BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-25
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Back in 2015 ( XXXX XXXX ) we had contacted XXXX and citimortage to tell them we needed to do a loan modification. We were denied twice. We tried our best to make payments the best we could. After that we had put the condo on the market to try and sell it. We received a offer for a short sale one back declined or one accepted. We then got a second offer and it was still declined. We filed for a deed in lieu and of course that 's was denied. We have tried to be honest good people and ca n't seem to get rid of this property we can not afford. More fees are being adddd on to thibgs this issue has been dragging on for awhile. We need help these lenders are not willing to work with us. I have had sch appointments with my account manager at XXXX and then after taking the time to behome for them the account manager is to busy. The citi mortgage account manager she never replies to my emails. What are we to do?

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 2015-11-25
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off a loan over three years ago with Citibank, they are reporting me late every month for the last 3 years since been paid off and filing a satisfaction. I have called there and submitted documentation numerous times all of which gets " lost '' : I was provided a confirmation number of XXXX and was told that they would get back to me. This has been going on for over a month and I have been hung up on and given numerous wrong telephone numbers to departments that all claim they are not handling the issue. All i ever asked for is a letter to simply state that I was not late on my mortgage. I am paying a late fee everyday on a purchase contract that I am unable to close on while i wait for them to complete their investigation for an account this states its paid in full when you call them, I have sent them the satisfaction they filed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Late fee

Complaint:
Charged XXXX late fee on multiple credit card accounts after setting up all payments online. They say payments were never setup I know they were setup as they are every month when they are received. They are paid in full and rarely is a balance kept on any of our cards. Here is the problem, you go in pay all your bills and then never get your email confirmation. You think they must be having a slow server or software problems. If they are they will not admit it and blame you for the late payment. You do receive an email saying your account is past due and your payment never posted. This is a scam and they know it. The electronic banking system is flawed and they know how to take advantage of online bill paying. So no email confirmation means they are collecting late fees from people who are actually making their payments on time and all they have to say is no email confirmation was sent. So they made their XXXX but lost us as Citibank customers ( XXXX of credit line ) for life. So beware of this practice. Which, if you charge a XXXX people with a XXXX illegal late fee you just made XXXX XXXX illegally and got away with it. Most people wo n't persue it but with a family of lawyers we may file a class action suit. XXXX is not the issue it is an issue to not take responsibility for your poor banking practices.

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 2017-03-26
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX / XXXX / Now AFNI : I never received a Collection Notice from either of these Agencies.. I had disputed this issue with XXXX, XXXX Deleted from my report back in XX/XX/XXXX. Now recently AFNI reported this to XXXX and has it on my report, causing it to reduce my Credit Score. This is Not Mine, I am totally unaware of where this came from. I 've had XXXX as my Cell Phone provider since the XXXX 's, Never had issues with them. Always Paid my bill and keeping my account up to date. Why would XXXX keep me as a Customer, owing an outstanding debt for over two years?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Early Warning Services, LLC
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Early Warning Service has refused to send me the report that they have on me. On XXXX XX/XX/XXXX I called and requested a consumer Report and the representative on the phone stated that I had to fill out another form and send back. Which I have and I have yet to receive my consumer report as stated. The representative told me that I am reported to them by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank. I stated that I wanted to dispute those because two were open using my identifiers without my consent. ID Fraud and I had previously back in XX/XX/XXXX talked to XXXX XXXX XXXX and XXXX about this and told them to close the accounts because I did n't open them. So these reportings are wrong and they should n't be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: REGIONS FINANCIAL CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went in to Region Bank XXXX XXXX in XXXX NC and made a deposited of 2200.00 and was advised by the teller XXXX XXXX that a XXXX XXXX hold would be placed on 2000.00 until XXXX/XXXX/2015. I agreed to that, but the problem occurred is when I check my account on XXXX/XXXX/2015 my account was XXXX in the negative. I called customer service, because the branch was closed and spoke with several represents and they was not helpful or concern. I then reach a rep ( XXXX ) that was great and tried her best to assist me, but explain that it could only be handle at the branch. I very upset that I had to go 2 day in the weekend with no available funds in my account, because before I made the deposit it was funds available in my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Harmon Law Offices, P.C.
State: MA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX of Harmon Law debt collection stated in letter dated XXXX XXXX, 2016 that if within 30 days, I dispute the debt, submit debt validation, or request info on the debt, that by law he is obligated to cease collections. Harmon Law signed certified return receipt XXXX XXXX, 2016 and failed to respond to debt validation, QWR, Dispute of charges. Rather than answer by law per his own letter citing the law, XXXX XXXX has gone to Commonwealth of Massachusetts Division of Banks with unclean hands, decieving the court indicating he has complied with the law conducting all procedure prior to advancing foreclosure, has illegaly obtained signature from the XXXX, on the Soldiers Relief Act, which allowed him to serve " Order of Notice '' to advance his illegal foreclosure. It is imperative that his behavior be investigated and stopped. He obviously KNOWS the law, because he had it in his letter to me, which is how I based my comminications with a 30 day window. I wrote to him immediately and he signed for my QWR Dispute Debt Validation within 48 hours! This ilegal aggressive attempt to take my property without regard for my rights is directly violating federal debt collection practices. He must be stopped. Please assist me on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Suttell, Hammer & White, P.S
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
I received a summons for a lawsuit after I disputed the debt. I had my attorney send a letter stating that I did not owe the debt and why and they responding directly to me, not my attorney. They proceeded in filing a lawsuit directly against me instead of my attorney. They also refused to provide a physical address so they could be served.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: MOHELA
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
It 's been years of trying get a  XXXX  forgiveness and they just kept forbearancing and telling me I did not qualify. And rude person telling me I could at least afford  XXXX  $ /a month. I made even less a month and had  XXXX  when this originally started. I finish the semester with straight A 's, but my mother had passed and missed to many days. I knew this and submitted her death certificate. But they would n't except that or my  XXXX . Now it 's in collections and ca n't get any credit or loans. And I do not control acts of  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called the company commonwhealth they report it a collection on my credit report and when i called to know who was it and what for was the debt they did not find any information on me and could not find anything all so i ask them why are you reporting false information if you dont know who em i so i ask to remove that collection and they said no until they find out what happend

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: D2 Management LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a call from XXXX asking for my husband. When I advised her that this was not his phone number, she asked that I take a message. She stated 'we have his social security number on important legal documents in our office, and we need to talk to him immediately '. When asked what number he can call back on, she provided XXXX. 

I at this point asked what company she was with, she said 'why would I tell you that? your not who I need to talk to '. 
I advised her that he is my husband. She proceeded to yell at me, asking why I did n't tell her that in the XXXX place. She said, I made it clear this was urgent, so why did n't you tell me he was your husband? She was extremely rude and unprofessional. 

She verified she was with D2 Management and her name was XXXX XXXX with no extension. 

I told her that I would relay the message to my husband, and if he chooses to do so, he will follow up. 

She threatened us, and said ' well, he should call, we have his full social security number ' or something along those lines. I was extremely furious after he tone and behavior, I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been attempting a " Short Sale '' for my client 's property with Ditech Funding for over 1 year. We are working on our XXXX Buyer for the property. Every time we have a Buyer, Ditech stalls or asks for documents in unreasonable time frames. If we do not get the documents within the time frames, they cancel the file and make us start over. When we are able to get the documents within the time frame they always turn to value, which they have {$40000.00} over actual market value. Bottom line is they are unwilling to professionally work out a reasonable short sale for my client and I feel they have broken many laws and regulations in the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My servicer Ditech Mortgage put an impound account for property taxes on XX/XX/2016. I was behind in my taxes and i know that this is my responsibility. I made the XX/XX/XXXX payment as per my statement of {$1600.00} and added {$100.00} for the escrow account. XX/XX/2016 I leased a vehicle and discovered that there was a ( 30 ) day late payment on my credit report. I called Ditech and they insisted that the new payment of {$2300.00} was instituted with the XX/XX/XXXX payment, therefore creating a late payment, even though I paid the payment due for {$1600.00} as per the statement. I send letters to them the first time and they insisted that I was wrong. I tried a second time on XXXX to resolve this issue. I was told to make the payment for the XX/XX/XXXX due date, and add the {$690.00} that was not paid in XX/XX/XXXX and they would process the paper work to remove the late payment. I sent a check for {$3000.00} that cleared by bank on XXXX XXXX. When I went to make my payment for XX/XX/XXXX I discovered that Ditech put all of the {$3000.00} towards the escrow account and nothing for the principle and interest payment thus creating another late payment due for XXXX XXXX payment. DiTech has kept the XX/XX/XXXX payment in suspense and has not applied the payment to principle and interest. I find this to be deceitful and possibly illegal. The issues are the XX/XX/XXXX payment that is being held in suspense and the XXXX XXXX payment that was applied in full to the escrow account. I am attaching my communications with them and my cancelled checks and the communications that i have had with them. All payments from XX/XX/XXXX thru the XX/XX/XXXX payments were made on time before the XXXX of each month. not to mention that Ditech has been sending duplicate invoices monthly with conflicting information : I am attaching the XXXX invoices for the XX/XX/XXXX payment dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Note : Even though all of the statements show past due, all payments were made before the XXXX of each month Written responses from Ditech indicated that I would be assigned a representative, However when you call them, you can not get to talk to the person assigned and have to talk to a different person each time. It is important to note that Ditech admits that they had a computer glitch and that was the reason for the mandatory escrow account did not show sooner. Copies of this communication attached including the escrow account history shoiwng the XX/XX/XXXX payment credited to the escrow account and not the principle and interest. Your help with this matter is appreciated. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Solidus Group LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX Solutions called my sister on both her home phone number and her cell phone number, and proceeded to leave a lengthy message about their attempts to collect a debt in my name that was allegedly attached to XXXX Bank. I am not with XXXX Bank, and have not been with them for around XXXX years now. They also called my parent 's home phone, without leaving a message. The number left was XXXX. I have been harassed by multiple scam groups in the past year and have researched some of the laws involved and how they conducted themselves seemed illegitimate. I owe money to varying groups, and I am in contact with each and every group I do in fact owe, and have paid or am in the process of paying the debts that I owe. I have never XXXX dealt with a company called XXXX Solutions, or recieved any letters regarding any intent to collect a debt from said company. As I said, this is not the XXXX time I have been the victim of scam calls, and I am not foolish enough to speak to or give any information to these groups anymore. I will only ever deal with a legitimate business that conducts themselves as such. Every group I deal with contacts me via certified, confidential mail, not threatening voice mails on family phones. I have attempted to submit complaints on previous groups before, including Delaware Solutions, LLC, who still occasionally attempts to bother me as well, but this is the XXXX time I am following through with a complaint, because I am absolutely out of patience in being harassed like I am. It feels like extortion. It 's definitely harassment. 
I dislike that they obviously have personal information about me, as they are contacting my family, and it frightens me that these people may be criminals and may have more sensitive information that I would not know about. Like I said, I screen the calls, and have a call blocker, but I would very much like to see something done about scam groups like this, if not for people like myself, then for others who are tricked by these people into giving them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: CITIBANK, N.A.
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Hi, I signed up for the Citi Gold account and at the time of sign up used the sign up code I had been given for the XXXX XXXX XXXX promotion. I contacted Citi several times and asked them every time to confirm that I was registered with this promotion, they confirmed that I was. I have screenshots confirming this. 

When I fulfilled the requirements for the promotion, I confirmed with Citi, and they said I had done the required steps to receive the points. 

At no point did Citi tell me that I was not eligible or that the promotion was not tied to my account ( in fact, they told me the opposit ) Now, Citi is refusing to honor the points despite all this contradicting evidence. 

This problem is widespread, and it appears Citi is appearing to not honor this agreement to many people. ( See pages like this : 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 2017-01-30
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have an XXXX loan from cash-n-go. Every time, Cash-n-go process my payments through direct deposit, I was charged for additional 12-14 days of interest. The reason was waiting for the fund to clear from my bank. I went to see why their so much time delay for the bank to pay the loan but XXXX said no that 's not the case. The bank pays the next day after the business process it. Chas-N-Go had charged me XXXX times such extended interest for a reason not mine or my bank 's fault. Cash-n-go has lied to me by stating false information, and they charged me {$200.00} each for a total of {$1000.00}. I was rubbed in a daylight. 

If needed I can present my paper from the bank and Cash-n-go. 

thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: CITIBANK, N.A.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
1. at this time. home depot is paid in full. it was a washer. I closed the card because of the unprofessionalism of their customer service. therefore I did not want to do any business with them. 
2. Att. uverse. I sent them their receiver back and that has shown up. They are charging me for something that I am not using. 
3. I have no idea what XXXX or XXXX is. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-16
Company: Solidus Group LLC.
State: UT
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I wrote a complaint on XXXX/XXXX/2015 regarding the collection practices of Delaware Solutions LLC. Today, XX/XX/XXXX, XXXX XXXX from Delaware Solutions called me again and stated that I 'm being served papers today if I do not pay a past due amount on a payday loan taken out XX/XX/XXXX. I told XXXX that I know my rights under the FDCPA and that I 'm requesting debt validation in writing and I have the right to dispute the validity of the debt. XXXX stated that they have already proven that it is my debt just because they have my social security number and email address. I informed him that I have sent a cease and desist letter and he stated he will continue to call me everyday to get a payment regardless of the letter. He then called me a XXXX who sounded like an XXXX and did n't know the laws. He continued to call me stupid as a recited my rights as a consumer. He then told me that I was going to be arrested and will serve time in jail for the unpaid debt. I informed him that he was breaking the law by using abusive language and by threatening jail time and he stated he was not. I hung up the phone, he immediately called back yelling at me that I was going to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: Aspen National Financial, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was not working for almost XXXX years and was not able to pay my maintenance fees on a XXXX XXXX At XXXX XXXX timeshare that I completely paid - debt free. I offered to give the Timeshare to XXXX for FREE in exchange for not having the money to pay the maintenance fees. Instead, they kept billing and calling me and tacked on another year of maintenance fees. I am now getting calls on my cell phone and home phone from Aspen National Collections. XXXX is acting out of greed and are treating me like I defaulted on the mortgage! Get a clue, the mortgage is paid in full. Take the property, resell it and recoup the maintenance fees!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation