BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a Macy 's credit card issued through CitiBank. There were XXXX fraudulent purchases made on it. XXXX was made on XXXX XXXX for {$160.00}, and the other was on XXXX XXXX for {$150.00}. I talked to Macy 's fraud department, and they said they would investigate. They temporarily removed the charges and late fees from my account, however they have reinstated the charges to my account. They are reporting my account as derogatory to the credit reporting agencies. Finally, they have been harassing me via phone. They have called me at least 31 times this month, including 7 times on XX/XX/XXXX and 4 times on XX/XX/XXXX. I tried calling back several times, however I got a busy signal and was never able to reach them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-19
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
My credit card company ( Mastercard through Citibank ) is claiming I owe them {$1900.00}. This seemed high, since I usually pay at least the full account balance. I downloaded their statement balances through Excel and discovered my total debit comes to {$42000.00}. My total credit comes to {$40000.00}. I should only owe {$1400.00}, a difference of {$510.00}. That 's information using the numbers they 've provided for me. They refuse to acknowledge the discrepancy.

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 2015-11-03
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX I took a personal loan of {$10000.00} from One Mian Financial Services - also doing busines as CITI FINANCIAL. I paid for the insurance in case of illness. XX/XX/XXXX I was diagnosed with XXXX. The insurance paid, however, in XX/XX/XXXX and XX/XX/XXXX the payments were late. CITI sent my account to XXXX XXXX XXXX - their internal collection dept. My insurance paid the account bringing it current in XXXX XXXX. XXXX refused to take the account back and I continued to pay XXXX XXXX XXXX as agreed until the account was paid in full in XXXX XXXX. XXXX / One Main Financial has refused to report this. Instead, they are continuously reporting my payment as late and despite multiple disputes via XXXX and XXXX and talking to One Main directly, they have refused to update my credit report showing the account paid if full. My FICO score has now dropped form XXXX to XXXX - all because this shows I am now 120 days late with a balance of over {$5000.00}. I want this resolved as soon as possible. All late payments should be removed. The balance should show XXXX and the account listed as paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Rewards

Complaint:
I would like to redeem my cash back of XXXX on my Citi card. However, I was told be an operator that I ca n't redeem something I 've earned. 
I was n't aware of a level that has to obtained before I can use them. 
I was n't told that verbally when I signed up for the card. 
My XXXX, XXXX XXXX and XXXX cards do n't have minimal cash back thresholds!

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 2016-09-27
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I, XXXX XXXX XXXX, have applied for a loan modification with Citi Mortgage and after 60 days I still have no decision nor do I feel like my application is even being looked at. Today I called in to check the status of my modification and a supervisor in the mortgage assistance unit by the name of XXXX XXXX ID # XXXX told me that there is no time frame for a loan modification review which baffled my mind because to my knowledge they have 30 days after receiving a complete loan modification package to render a decision. I 've been told before by other reps at Citi Mortgage that it takes 30 days and we 're approaching the 30 days and to be patient that there would be a decision. On the Citi Mortgage website specifically on this page https : //www.citimortgage.com/Mortgage/displayHomeOwnerAssistance.do? page=troublepayment it says that a review takes 30 days after a complete package is received. I submitted a complete package on XXXX/XXXX/2016 and confirmed it was received and a review was opened on XXXX/XXXX/2016 by XXXX XXXX at XXXX : XXXX. She is also the assigned specialist on my file. I 'm very upset that a SUPERVISOR would tell me today XXXX/XXXX/2016 after having my complete file for almost 60 days now that there is NO time frame for a loan modification review which seems false to me according to citi mortgage 's own website! This is unacceptable! I 'm falling further and further behind while my file is just sitting on someone 's desk not being looked at, I also do n't appreciate the fact that XXXX XXXX XXXX ID # XXXX who claimed to be a supervisor after I asked to be transferred to a supervisor and got XXXX XXXX on the phone that there is NO time frame for a loan modification review. This has shocked me and caused an incredible amount of distress. They say they 're here to help then treat struggling homeowners in desperate need for help like XXXX XXXX XXXX did to me. This is extremely unacceptable and I would like to get the honest truth about if my file is really with an underwriter or not and if so, I would like to be treated fairly and have Citi Mortgage comply as I have with their requests and to give me a decision in a timely manor which they 've failed to do and not only that, they 've added distress to my already difficult situation.

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 2016-03-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
Citibank has asked me to " verify my information '' in order to allow me access to my account online so that I can review my billing statements and pay my credit card bills. As I am enrolled in their paperless billing, I do not have an alternative to review and pay accounts. The information that is being demanded is information that does not exist : I do not have an ATM card, I do not have a Checking Account and I do not have a PIN number with Citibank. When I have called in to inquire about this issue, they asked me to wait on the line while they " deregistered '' my account and instructed me to re-register. When I attempted to do I received warning that my account was already registered and to apply for the replacement of my Password and Username. When I attempted to do so I was first greeted with a warning that my account was already registered and to change my password with a challenge question. When I entered that system to change my password and unlock my account, I was greeted with a warning that my account was NOT registered and then asked to register my account. Following those instructions ( again ) gave the same message that my account has already been registered and that I need to login ... which then promptly asked for the Account/PIN and Debit Card numbers which I do not have. 

In the mean time, interest, late fees, penalties and every other charge imaginable I 'm sure is racking up on my account and what 's more, I 'm certain that they are reporting negatively to the bureaus. I 'm attempting to pay my bills, but their call center and their website is preventing me from doing so! 

Given the history of this bank abandoning Texas and continually practicing negatively effecting business against me and others ( reducing credit limits to balances ( increasing balance ratios ) losing customer information ( leading to fraudulent accounts opened ) etc. I 'm not surprise, but certainly am at risk is decrease financial capability because of either technological incompetence on the part of this institution, or a concerted effort to hamper the financial well-being of customers in Texas 's Low-Income Census Tracts.

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 2016-05-05
Company: CITIBANK, N.A.
State: IA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
we had a modification with citi mortgage as they were starting a foreclosure on our propertie as our home was totally gutted out by the contract buyer, we had to show proof to citi mortgage that we were fixing the house back up to where it was XXXX to repair the home, as we wanted to sell it so that we would not have a foreclosure on our credit report. Well 2 weeks before we finished the repair on our house Citi mortgage sold the loan to lending tree. XX/XX/2014 we sold the house and paid lending tree, so satisfaction of this loan was paid in full. Now we see that citi Mortgage has put a foreclosure on our credit report and I have sent all required information to the XXXX different credit report companies to show that there was never a foreclosure. I have also contacted citi Mortgage and they will not remove this from our record as they stated they sold the loan to lending tree. I 'm pretty much exhausted all my angle 's

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended XXXX school between the years of XXXX through XXXX. During this time, I took out XXXX {$30000.00} private student loans - XXXX in XXXX and XXXX in XXXX - for a total loan amount of {$60000.00}. Upon graduating in XXXX, these XXXX loans were acquired by American Education Services ( " AES " ). 
I have been repaying these loans since then and as of today ( XX/XX/2017 ) I have repaid {$27000.00} in principal and {$42000.00} in interest -- for total repayment to AES in the amount of {$69000.00}. However, due to AES abusive lending practices, my outstanding balance still reflects an outstanding balance of {$55000.00}. This is abusive and excessive. I am asking for AES to dismiss this loan in good faith given that this loan has been repaid in good faith and the outstanding balance is a direct result of unfair practices. I am also requesting that the Consumer Financial Protection Bureau review AES 's student loan lending practices. 
Thank you Please refer to the attached supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Ocwen Financial Corporation
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ocwen Loan Servicing , LLC became the alleged loan servicer on my mortgage when the mortgage was in default, which qualifies Ocwen as a debt collector. I disputed the mortgage with the alleged lender and on XX/XX/XXXX the grantor notified XXXX that the dispute had been settled by the grantor, the account balance is zero and the account is closed. Ocwen stopped reporting information to the credit bureaus as a result of the grantors settlement of the debt on XX/XX/XXXX, however, Ocwen has continued its attempts to collect the debt. On XX/XX/XXXX, I sent XXXX XXXX, at Ocwen an email informing him that the balance is zero and that a satisfaction needs to be recorded in the XXXX County Register of Deeds to reflect that the mortgage has been satisfied/canceled. I asked for a reinstatement amount if any that Ocwen was claiming was owed that was different from the Zero balance reported by the grantor and XXXX XXXX XXXX replied through counsel representing Ocwen that the reinstatement amount exceeded XXXX. XXXX continued attempts to collect on this closed account violates FDCPA laws as Ocwen is misrepresenting the amount and status of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Torres Credit Services, Inc.
State: IL
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:
after checking my credit reports i noticed that torres was reporting incorrectly on multiple reports. I have not done business with this company, have no signed contract with them nor do i owe them any money.

Company response to consumer: Closed
Consumer complaint received 2016-02-23
Company: Credit Karma, LLC
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
My credit report shows I took out a mortgage loan in XXXX, but I did n't I have never applied for a mortgage loan and do not have one. Also it says I filed bankruptcy in XXXX when in fact it was XXXX. Please help.

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
Consumer complaint received 2017-02-24
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Contacted PEAA several times and requested to speak to a supervisor and no one will discuss or fix my account. I left school in XXXX and have been billed for student loans BEFORE my consolidation request has been completed starting in XXXX, violating my 6 month grace period provided under federal law. Additionally, the consolidation request was modified without my permission and I have requested several times for this to be resolved and it has yet to be corrected. Finally, the total balance is NOT matching my records of how much I 've borrowed and no one is available to explain the discrepancy to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: AES/PHEAA
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
American Education continues to contact me even though I no longer wish to deal with them, they have threatened wage garnishment against me even though I am not being sued, I checked with my local casenet and no pending lawsuits against me. They are a scam because their supervisors do not know anything, XXXX XXXX claimed to the Illinois Attorney General that I gave them my mother 's phone number as a way to contact me when that 's not true. A 3rd party company named XXXX changed the phone numbers because they admitted it to my attorney because a FDCPA case was settled with me. I would never given my mother 's phone number to contact me because that is not a way to contact me. I have advised them not to call me but they claim per my promissory note that I agreed to it, I do not have a written contract with then I can go online to make payments. Also, I need the credit mark removed from my credit because my bank did not pay the {$25.00} on XXXX/XXXX/16 due to a system glitch in the system therefore this is not my mom 's fault or mine for that matter. I have a letter from my bank explaining that information. American Education Services uses legal action to scare people but I will have an attorney as of Monday, therefore no more contact with me because it will be illegal to contact me since I will have an attorney on Monday. I will not make anymore contact with them. Now I recieved a letter from them claiming a name issue, I have not changed my name at all so I think this is a ploy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: SUNTRUST BANKS, INC.
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I took out my mortgage in XXXX 2009. At that time, P & I, homeowner 's insurance, and property taxes came out to approx. $ XXXX/mo. Since 2009, my mortgage has increased each year to where it now is $ XXXX/mo. During that time, my property taxes have gone from approx. $ XXXX/yr to $ XXXX/yr and my homeowner 's insurance has increased from approx. {$550.00} to {$630.00}. Based off of my calculations, since I put down over 20 % when I bought the house and do not need nor have PMI, I am being overcharged each and every month. I have called Suntrust Mortgage but have not yet received a call back from them explaining this discrepancy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I had submitted my request to renew my XXXX plan back in XXXX ( XXXX XXXX ish ) of this year. I had figured that my XXXX would be re-certified and everything would be okay. I received a phone call on XXXX XXXX when my payment is due on XXXX XXXX to alert me that now I owe {$1500.00} for XXXX and XXXX upcoming payment. My XXXX had been denied and they apparently sent me an email notification on XXXX XXXX. I checked my online account with them after the phone call and did see the message but no reason stating why it was denied just that " my '' request to deny the lower payments had been processed. Lol give me a break ... 

I had submitted my proof of income with my renewal ( a pay stub with frequency listed on it ) but apparently because I checked, No My Income Did Not Change they absolutely ABSOLUTELY needed a tax return from XXXX ... seriously? It 's almost XXXX Tax Season my Paystub is n't enough for you to use in the calculation? So it was denied because I sent in a Pay Stub instead of a Tax Return and they are just now calling on XXXX XXXX to tell my I am past due and in the hole of {$1500.00}. 

The absolute worst part of the call .... Having to agree to an Administrative Forbearance, have my interest capitalized and be penalized after literally 3+ years of following procedures and not having any issues. They could 've even offer me some type of hold for me to get the paper work in that did n't capitalize interest. So ... now I am RE Submitting my renewal with the XXXX XXXX tax return from XXXX. 

Student Loans are literally a death trap for recent graduates. Who can afford {$730.00} a month and still live comfortably? Seriously ... this whole thing sucks. I am about ready to stop paying all together and just let them go into default, drag out my forbearance time and then use up my deferment time. That way when I finally run out of holds I 'll be in my XXXX and wo n't give a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
On or about XXXX XXXX, 2016, I received a bill requesting payment to Fedloan Servicing. I contacted Fedloan Servicing, inquiring how they were able to consolidate without my signature or or me agreeing to loan terms. A representative from Fedloan Servicing, going by the name of " XXXX, '' ( no last name included ) responded, " We do not need a wet signature for these applications due to you agreeing to the terms online. '' She also told me that Fedloan Servicing sent me a letter giving me an opportunity to cancel the consolidation in 20 days, a letter that I did not receive. I had never received any phone call from Fedloan Servicing during this time. I did not agree to any terms of this nature online. 

I do not want any affiliation with Fedloan Servicing after reviewing them online. I believe this practice to be fraudulent and unlawful. I am in the process of sending them a XXXX demand letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I borrowed a little over {$25000.00} in student loans about 20 years ago. I was in deferment until last year. I understood that the interest was going to continue to accumulate during the deferment. My interest rate is 8.25 % and over 20 years that calculates out to {$52000.00}. The Department of Education is telling me that I owe {$110000.00}!!!! They are trying to collect {$93000.00} in interest alone! How can a single mother of XXXX survive when the government is trying to squeeze out my very last dollar so they can pay off their own debt?!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
MACYS STORE GAVE ME A STORE CREDIT CARD FROM CITY BANK, THE CREDIT LIMIT WAS XXXX DOLLARS, LATER I DECIDED NOT USE THE CARD AGAIN AND THEY REQUESTED FOR THE BALANCE AND I PAID THE BALANCE IN FULL TO THEM BUT THEY HAVE PUTTING THE AMOUNT ON MY CREDIT RECORD THAT I OWE THEM WHICH IS NOT BUT SOME MEANS TO TAKE ANOTHER MONEY FROM ME. 
I CALLED THEM AND THEY CONFIRMED THAT I DONT OWE THEM SO THEY WILL TAKE IT OFF BUT IS BEEN THREE MONTHS NOW AND IT IS STILL ON MY RECORDS.SO I WANT TO CHARGED THEM FOR FALSELY SPOILING MY CREDIT RECORD AND AGAIN MISLEADING ME THAT, THEY WILL TAKE IT BUT DID NOT. 
SO PLEASE HELP ME TO SOLVE THIS ISSUE, IT HAS DAMAGE MY CREDIT STORE FALSELY.

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 2017-03-03
Company: Riverwalk Financial Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2017 Deville MGMT reported a debt on my credit report in the amount of {$2400.00} and stating the original creditor was XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed