BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-28
Company: CITIBANK, N.A.
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I switched my service over XXXX with the understanding that they would pay my cancellation fees XXXX. I cancelled XXXX and payed the cancellation fees and XXXX sent a prepaid card for {$240.00} to cover the cancellations fee. My problem is that the card expired last month, XXXX. I called to request a new card from Citi Bank and they told me they could n't give me a new XXXX as it had expired and I lost my all my funds. 

I called XXXX back and explained what happened and the agent told me to call XXXX and speak to Citi at this number. She said it should n't be problem and that I should be able to get a new card. So I called that number and spoke with the supervisor XXXX who explained that he could n't do anything and that the funds were gone. He stated that he could not do anything and that the card had expired and I lost my money. I explained that I read on XXXX that even if the card had expired I should be able to get my money. It states " If you have a prepaid debit card and the card expires while you still have money on it, you can request a replacement card to access the funds. '' It 's still my money at the end of the day. I paid {$240.00} to switch XXXX with the understanding they would pay for it. So I 'm still owed that money. XXXX then informed me that he could not do anything and that I 'm not entitled to a new card. 

According to the CFPB " The funds on a gift card will be good for at least five years, even if the physical card expires at an earlier time. If your card expires and there are unspent funds on it that have not expired, the issuer may give you a replacement card or give you the money by another means, such as a check. Either way, they may not charge you a fee. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Capio Partners is illegally reporting a fraudulent account on my credit report. I have never created an account with them or any of their third party affiliates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I recently filed a complaint about US Bank. They held the second mortgage to a home i owned, and I tried and tried to get them to modify my loan, but they never even said yes or no at the time. I ended up losing that home. 
US Bank sent me something in the mail. They sent me a copy of a note I signed, stating and agreeing that I wold NOT take the XXXX dollars I could have got from their line of credit. They call this their " loan modification ''. 
WHAT A JOKE! ... ... .... I have been a realtor for over 20 years, i know a little more than the average person. 
- In reponce, I called US bank up last Friday, XX/XX/XXXX. I had to talk to XXXX people in XXXX different departments, i kept getting tossed from one rep to another rep.. etc. 
Finally, one rep said.. " oh. im reading here that we kept asking you and asking you for documents, and we never got them ''. so your loan modification was denied ''. 
NOW I remember what happened. i was completely eligible for a loan mod. the investor was XXXX! i had a TRUE hardship ... I became XXXX to work! ... .. I emailed US bank most every day, the rep was okay. 
but- now they say I did not get a loan mod was because they didnt get the paperwork? - I faxed them ALL paperwork. Then they said they didnt get the fax and faxes. I had to XXXX with proof of service directly to their physical office.. I still have this paperwork, and proof that I XXXX it to them. 
i really miss my house. If they had only done a loan mod, like most banks were doing, maybe I could still be happy there. I am a XXXX year old woman.. i was planning to retire there. US BANK was unethical and illegally denied me a loan modification.

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: The Phoenix Recovery Group
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from Phoenix Recovery Group They keep calling asking for {$4000.00} they say I cosines for an apartment for my Daughter. I told them that I signed only the first lease but that she stayed after the lease was over and I did not consigned the second lease. They just keep calling and have reported it to the credit beaurow. I am 100 % VA XXXX and this is making me very disturbed. I have a copy of the second lease showing I am not on it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have XXXX mortgages being reported as unpaid from XXXX it 's been paid in full enclosed is a email from XXXX attorneys

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 2021-06-17
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Targeted EIDL Advance was deposited into my personal checking account. Chase Bank froze all of the funds and would not tell me why. I supplied them with an EIN and my SSN ( which I used to get the loan approved ). This is a very bad business practice and should not be allowed. It was more than just about the money for me. It was that Chase did not believe I even deserved an explanation. I hope this helps someone in the future. Best advice is to not do business with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Selene Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage has been with XXXX  XXXX XXXX. During Covid ( my now estranged husband ) placed forbearances on our mortgage because his work is primarily commission-based. There have been multiple forbearances and while his understanding was that they would move to the end of the mortgage, a lump sum was expected to bring the loan current. He was allowed to begin the forbearance process even though we are both on the deed. This was for mortgage and HELOC. All ended in XXXX of XXXX. I brought the HELOC current myself, by making all of the past-due payments. I was not able to do this for the mortgage, given the amounts. I live in the home with my XXXX children and my youngest is in a special program at XXXX XXXX XXXX. I hoped to stay in the house just until the kids finished XXXX. We did not receive child support for a year, then $ XXXX, until we finally got a judge in our case- we now receive support, though no other help. I have the kids 100 % of the time, I work full-time as an Assistant XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX My estranged husband lives for free in multiple-family homes ( no mortgage in his name, no cost ), and I have worked diligently with the bank to stay in good standing. The judge in our divorce case determined it would be detrimental for my kids to move and that my husband had to cooperate with the loan modification process. I worked hard on this, and while in the mod process, XXXX allowed me to keep making monthly payments. My credit score is in the XXXX and my only other debt is a monthly car payment ( {$370.00} ). In XXXX of XXXX, XXXX  XXXX XXXX sold our loan to Selene Finance, a predatory company that said they offer modification plans too, to keep people in their homes, that they had all of XXXX 's info, and that I would have to start the mod process again with them I did all as told, submitted everything, but they would not allow me to make monthly payments during the mod review, making me even more behind in payments, and increasing the amount owed up from to {$63000.00} ( including penalties? ). They denied my modification saying I don't have enough income, then saying we made too much to qualify?? I XXXX XXXX an appeal letter on XXXX to be received on XXXX, yet they told me they denied my appeal on XXXX! They are destroying my ability to pay, stay in good standing with the bank and credit agencies, and will force me and kids from my home, and if my credit is ruined, I won't be able to get anything. I an terrified and angry at these allowed, yet clearly predatory practices that set people up to fail. Look them up on XXXX. I need help addressing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Lobel Financial assessed a mandatory insurance policy on a vehicle financed through them even though the proper and required proof of insurance was provided to their legal and insurance departments on several occasions by myself and by my insurance agents. 

The policy premiums for the coverage assessed on the vehicle were prorated on a monthly basis and added to the monthly payment on the vehicle. Despite repeated phone calls and faxes by my insurance agents the assessment went in for a period of approximately 30 months. Additional attempts to provide proof of coverage were to no avail. Lobel Financial was informed the account should have been credited for the accrued mandatory insurance premiums by XX/XX/2016 else legal action would be brought. 

Company representatives provided assurances that the insurance issue would be taken care of and that the amount credited back to the loan balance would be used to offset future payments due. On XX/XX/XXXX the company proceded to repossess the vehicle on grounds of missed payments on the account. On XX/XX/XXXX upon contacting the company to cure the loan to recuperate the vehicle the company representatives stated that the only available venue to get the car back would be to pay the remaining balance in full. 

Their excuse for proceeding in such manner was the allegation that the vehicle was being used to commute back and forth from XXXX contrary to the loan terms. Upon review of the loan documents said clause is obscure and unclear and therefore subject to many interpretations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: MIDFIRST BANK
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reported to you XXXX XXXX for incorrect information on my credit report. They fixed it on my XXXX and XXXX but not my XXXX. XXXX sent me a letter saying they fixed the issue and I have that letter but its not fixed on my XXXX 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 explanation
Consumer complaint received 2015-07-15
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We have been pressured by Webster to go along with their requirements in our short sale although we were able to show hardship thru divorce and loss of income. Despite our attempts to work with them, they would not budge. They told us if we did n't make a decision in 24 hours they would take us to court. Although it would strain us, we agreed from fear. Once we agreed, we sent them a money order immediately and signed the agreement. It has now been a month and they have not fulfilled their obligation. Our short sale is in danger of falling thru and we would be forced into bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC is the company that sent the collection notice, dated XX/XX/2022. 

My family does have a XXXX account but we pay it as family and each of our phones are under my husband 's name. 

The bill is for {$340.00}. I called the collection company on XX/XX/2022, and let ERC know this is not me and I am not going to pay it. The customer service gentleman said okay I will update the records. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX    XXXX  ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ca  XXXX   XXXX  had had inputted an inquiry on my credit report without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Advanced Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: ECMC GROUP, INC.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
a collection agency named premiere credit tapped in freeze my bank account they never send me any letters in mail they were sneaky freeze my bank account until they are paid i try talk to those idiots and collection agency they are very rude they caused me emotional stress

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 2022-11-09
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I went up to XXXX Bank XX/XX/2022 to pay off a XXXX loan and while there was talked into taking all my saving of XXXX and putting it in a C.D at XXXX XXXX intrest since my savings was only making XXXX XXXX ..i was told of no penalties or stipulations other than it was for 17 months.When i returned home i went on line and saw that XXXX 's were going at closer to XXXX XXXX and called them back to cancel my CD since it had been less than XXXX..I called the CD dept and was told it hadn't processed yet so to call the bank..i called the bank and was told it wasn't there dept and that if i close it i would be penalized 3.0 % on the XXXXeven though if i left it in it would only make XXXX XXXX ... this to me is nothing but loansharking... I called up U.S Bank investment bankers who I had spoken to before and he said he could get me a but better rate if i could get the funds back into my savings ... he said he would look into it but the later said that since its under XXXX his department couldn't help.I called customer service who said thats not the way they do buisness and she would have someone contact me... as of now a week later no one has. Again I was never told of these penalties, if i had been told they would changed me more to close it than i would make to keep it I would have passed ... Also i was told by their investment banker earlier last year that generally early withdraws loose 3 months of prior intrest... so to loose XXXX XXXX on a XXXX XXXX CD seems criminal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I was granted a Credit line of XXXX from Bank of America XX/XX/XXXX. XX/XX/XXXX the 10 year borrowing period expired so I applied for a new line. After almost 3 months on XXXX/XXXX/XXXX my application was denied for a debt to loan ratio of 58 %. ( 54 % ) is the cutoff. I inquired as to where they got their figures and was told the monthly draws from my IRA accounts were based on the quarterly statement I had sent them. They added up the draws and divided by XXXX. In formed them I do n't draw every month and why did n't they use the annual draw from the XXXX 's ( XXXX ) I sent them ( XXXXand XXXX ). My credit score was XXXX out of XXXX. The existing mortgage is XXXX on a house appraised at XXXX. My social security is XXXX/mo. I usually draw XXXX from my Ira when needed. The balance of my Ira today is XXXX. If I ca n't get a loan with these figures, who can? I suspect age discrimination since I 'll be XXXX in XXXX. I do not want this denial to affect my excellent credit score.Thanks for any help you can provide

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 2015-11-24
Company: SLM CORPORATION
State: NY
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:
I have XXXX loans that I make auto-payments on every month from Sallie Mae. I was told my account was " delinquent '' due to non-payment for four months. This was not true because there was money deducted every month from my checking account along with updated payment history on SallieMae.com. Interestingly enough, the person that was " handling '' my account admitted it to being Sallie Mae 's mistake. She also said she 'd make sure that the mistake would not be reported on my credit report. Fast forward to two months later and the issue was placed on my credit. I have gone through so much with this company ; I have never been more stressed in my life. I thought that this was a loan company that would let me look forward to a great college education but I ca n't when I 'm being backed against a wall for their mistakes. They are not loyal to their customers and they certainly have no remorse for their wrong doings.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is now the second complaint I am filing against this company. This company stated in the last response they sent validation many times to addresses that are NOT known to me and spoke with me which I NEVER re call ever speaking with ANYONE. I am requesting FULL VALDATION, signed authorization be sent to me through the CFPB portal which can be uploaded so I can review the information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was robo signed into foreclosure by XXXX because of the robo foreclosure they aggreed to settle the account for no more than the balance before I missed a payment I attempted to get a loan modification over many months where I was told first I made to much money, then not enough to allow a modification. 
through out this ordeal my arears kept fluctuating, 1 month it was XXXX then the next month it was XXXX. 
I ask for an accounting and never received it My attorney filled for arbitration on the modification and we had a hearing with the arbitrator. 
One week before meeting with the arbitrator I was layed off so the bank told the arbitrator it was a mute point to continue, which I agreed to but made sure I ask for an accounting of arrears for the record and the banks counsel said we would have it in a week.4 years later I am still waiting on it. 
Soon after that XXXX went into bankrupcy and were aquired by Green Tree Capitol. 
Again I started the process of a loan modification and trying to get an accounting of the arrears For 6 months I supplied the information they requested in their time frame only to be told they need something different before they could approve it. 
Durring this time I had a date for sherifs sale of XXXX XXXX 2013 and dozens of letters from Greentree stating they would not pursue any foreclosure/sale action as long as there was an active modification in process. 
In XXXX and XXXX I called Greentree 2 to 3 times a week asking if they needed anything to process the modification and also talk to them about canceling the sherifs sale per their own written policy that it would not be pursued, and was always told do not worry about the sale it would be canceled I met with an attorney in early XXXX, showed him the letters stating Greentree would not purse action while in the modification and he told me that was their XXXX XXXX and they would proceed regardless of what the letters said going into XXXX weekly I submitted more paperwork followed by a phone call asking if they had everything and asked when they would cancel the sale, which they assureed me they would and had plenty of time and then they would send a letter asking for something different. This went on untill a week before the sale with my last conversation was they would cancel the sale. 
The week of the sale I called 5 to 10 times a day and no one would talk to me about my modification and when they would be canceling the sale. 
Finally at XXXX the afternoon before the XXXX sale someone picked up my call and told me they changed their mind the sale was going through and i should not have gotten behind I then called the Ohio XXXX office and someone reached out to them with no avail. 
The result of the sale was @ loan balance {$280000.00} sale price {$500000.00} and needing to move out at XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation