BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-28
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is with Loancare, XXXX, VA. I made my payment using XXXX 's Auto Bill Pay, so it was an electronic funds transfer and XXXX has verified that Loancare received my payment before the deadline of the grace period. But Loancare sat on my payment for 2 days before they posted it and they are now trying to charge me a late fee. 
So I called Loancare about the delinquent notice they sent because it was dated the day after XXXX 's proof of payment date. I had to verify my identity on Loancare 's automated attendant/phone system, and it retrieved my payment information stating that my payment was processed on the XXXX, which is the last day of the grace period so I should n't have received a late fee at all but the delinquent notice is dated the XXXX. So I transferred to a customer support person who told me my payment was processed on the XXXX. They ca n't even get their dates straight ; the delinquent notice, automated phone system, and customer support all have different dates. I asked to speak with a manager and they refused saying I 'd need to submit my complaint in writing. So they do n't even want to work with me on this issue - they are the worst!

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 2016-08-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
Home Depot offers 0 % interprets rate payments for 24 months for new credit card members who make purchase of more than {$1900.00} in the store. The sale person who helped me opened home depot credit card as well as assisted me with purchase transaction said I was qualified for the promotion and he said it was a great deal. 

I applied for the home depot credit card on that same day which is XXXX XXXX, XXXX and made a XXXX purchase transaction at the store for about {$4000.00}. 

Today, XXXX XXXX, XXXX, I checked my home depot account online and discovered that the 0 % interest promotion under my account is actually 6 months ; not 24 months. I chatted with a representative online who told me that the promotion has ended in XXXX XXXX, XXXX when a 24 months promotion will actually ends next month ( XXXX XXXX ). He also stated that the interested has been charged to my account since XXXX XXXX, XXXX. 

I have only made XXXX purchase transaction on my home depot credit card and this is already my second dispute with Home Depot 's sales tactics with its credit card promotions and offers. Home depot 's practice have been, somewhat, misleading to consumers. I think regulators should seriously look into this issue. The number of complaints of home depot credit card practice to regulators - and that is probably why regulators are not taking a look at home depot 's practice - may be low, but the issue or problem here is legitimate and poses immediate risk to consumers. Home depot should also take my case as a learning experience for them because the way currently home depot does business, specifically in its credit card offering, will hurt their business in a long run. 

Note : my previous compliant to home depot in this transaction also related to their sale 's tactics and it 's new credit car offer program. Home depot said they guarantee their lowest price against other competitors, but they failed to honor their price when best buy actually offers lower price because i have already got some discount on the washer and dryer that I purchased from home depot. As a result, I bought washer and dryer at a higher price when comparing to best buy. I should have gone to best buy instead.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-01
Company: U.S. BANCORP
State: WI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been added to a credit card account that I did not request to be added to nor did the person whose account it was request I be added to. I am now a joint owner of another persons credit card account when all I did was apply for new credit. I spoke with US Bank Manager XXXX XXXX Employee # XXXX and he said there is nothing he could do to resolve the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a business checking account with U S Bank for more than 10 years.The bank CHARGES EXCESSIVE FEES at the expense of the struggling, hardship and misery of a small businessman like me..I ask them to help me to process credit card transaction on my place of business last XXXX XXXX. After 9 weeks of no activity, people are not buying or spending anything and no transactions on credit card machine, I inform the bank that I can not continue to operate at loss every week, told them I will be GOING OUT OF BUSINESS. The bank told me FOR THE FIRST TIME after 9 weeks, that the credit card machine contract is NON-CANCELLABLE..The bank should have told me that from beginning. Deceiving and un-ethical. The bank told me I have to continue paying the LEASE @ {$43.00} a month even though I am going out of business and no means of income from my business..The bank know from the beginning, I keep them inform every week for 8 weeks, that I am losing money ... It is deception on their part, unfair and un ethical. I bank with them for more than 10 years..Please help me to stop them charging me {$43.00} /month, and cancelled the lease. I also tried to talk to the manager of the branch, but the manager refuse to help me resolve the problems.. Thank you. 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 2015-12-31
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I attempted to file a graduation application during " no fee '' period but XXXX computer system did not work, would not allow me to file. XXXX charged me {$50.00} for graduation fee, but then acknowledged in writing that I was not at fault because their computer system did n't work. Merchant now refuses refund. I disputed charge with card issuer First Bankcard, submitting copy of XXXX fee schedule showing no fee due and the email acknowledging I was not at fault. The credit card person apparently either did n't read my letter or did n't understand simple XXXX, and arbitrarily disallowed my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-23
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX I had put in for a remodification application with my bank ( then it was CITIMORTGAGE ). I had done everything they asked me to do. Almost a year and a half later I got a foreclosure letter. I immediately went to a financial institution and payed to do the remodification through them. After about 11 months I got a bad remodification. I was paying 6.375 % rate on my regular loan ( originally {$380000.00} ) which I had a balance of {$360000.00} left. After remodification, I was given a 5 % rate and they had tacked on {$44000.00} to the back of the loan ( so at this point my loan is {$400000.00} ) and made it a 40 year mortgage. A year later CitiMortgage sold my loan to another company. In XX/XX/XXXX I was looking to refinance my mortgage and my broker found a discrepancy in the balance from CitiMortgage. In the remodification, they had added {$10000.00} for " attorney fees for foreclosure ''! I never went through the foreclosure process. I had gotten in touch with CitiMortgage and got bounced around for a while and no one could answer my question on getting my money back or how I got such a bad deal on the remodification. The remodification had put a big strain on me financially and mentally and I felt like I had no other choice but to accept what I was given. I am tired of getting screwed by big companies and feeling like I just have to sit there and take it. I would like to get my money back from CitiMortgage with the interest I have been paying on it since the remodification!!! I have all the documents from my remodification process and refinance. Please help me, I do n't know where else or whom else to turn to!

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 2016-12-08
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX and my property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX was wrongfully foreclosed on XXXX/XXXX/2016 while I was in the middle of working out a modification with US Bank. I do believe the lender violated my homeowner bills of rights by engaging in dual tracking and never been able to speak to my single point of contact at the lender, now i am homeless with no where to go and are currently been evicted.

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 2015-09-25
Company: U.S. BANCORP
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
At some point before XXXX/XXXX/2015 someone stole my credit card information and created a new duplicate card. While I was at work on XXXX someone went into a XXXX XXXX store and charged {$1000.00} onto my credit card. I found out while monitoring my checking account on XXXX and immediately called my bank. They had even shut off my card because the thieves tried to take even more money. I filed a claim. They bank told me they would refund the fraud charges in 7-10 business days. I filed a police report and received a new card. Despite multiple calls ( XXXX ) and assurances from US Bank that the funds would be credited to my account, it is now the 11th business day, and no refund. Also, they reported a balance to my credit bureau which I NEVER maintain. Upon contacting the Bank this morning they admitted my dispute was NEVER EVEN ASSIGNED to anyone for review despite repeatedly telling me it was under review and the refund was pending. Now when I call them again they 're telling me another ten days. They never even asked for the Police report or Fraud Case numbers which I have, yet they advertise that you 're not liable for fraudulent charges on their XXXX advertisements. On my phone call on XXXX/XXXX/2015 the Customer Service agent REPEATEDLY assured me that the funds were pending a refund and WOULD BE CREDITED TO MY ACCOUNT on XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-18
Company: U.S. BANCORP
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This is a follow-up to Case Number XXXX. US Bank acknowledge in their response that they misplaced a check and once a new check is issued and paid they will resolve the outstanding loan and ensure the " credit bureau is corrected effective the total loss date. '' On XXXX XXXX, the insurance company sent a mailed a check replacing the check US Bank lost. I immediately went to the bank to sign the check over and to being the stets to resolve this issue. To date, I have not received a release of the lien. Instead, I received a " Notice of Intent '' demanding {$5600.00} considerably more than the {$3200.00} balance noted in the XXXX XXXX letter mailed to be in regards to my previous complaint. Furthermore, US Bank has failed to pay back the {$180.00} overpayment ; stating it was recouped to pay for fees. I advised US Bank that I was unaware of being charged any fees. I inquired as to what the fees were pertaining to and again advised that if they were related to charged that would not have been incurred if the original check had not been misplaced. The bank representative ( XXXX ) could not advised. I did inform US Bank that without being informed of any charges and their ability not to justify retaining the {$180.00}, is nothing more than theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Late fee

Complaint:
Missed a payment on a credit card due to mishap with bill pay at my bank. Paid in full 10 days late. Called credit card company to settle the issue and see if anything could be done, they said no, the XXXX $ late fee would remain. I stated I would close the account. They offered some bs but I was n't interested. I asked what the current balance was so I could pay in full. She told me the balance but said it would change as every day the LATE FEE would accrue interest

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 2015-04-03
Company: U.S. BANCORP
State: DC
Product: Credit card
Issue: Advertising and marketing

Complaint:
USBankcorp issues the XXXX card, which part of the benefits they provide for the varying Annual Fee is a Bonus Award Night on any award stay of 2 nights or more. Today, XXXX XXXX, USBank and XXXX XXXX have removed that benefit effective XXXX XXXX, though their XXXX website is still showing this as a benefit of the card. 

I recently applied for the card and was approved on XXXX XXXX, I applied specifically because of this benefit and will not actually be able to receive the benefit that was offered as it takes USBank and XXXX 4-8 weeks from the time of the account opening to give the initial bonus points on sign-up and consumers are given 90 days to earn the additional bonus points, this is beyond the less than 2 months notice provided by the card of the change. 

I contacted USBank to ask them if they were waiving the Annual Fee or pro-rating the Annual fee due to this significant change to the product ; I was told that they will not. 

This amounts to bait & switch, both companies advertised a product with specific benefits to get me to sign up for this credit card ( a product they are still advertising with no notice the benefit will end on XXXX XXXX, which shows intent to defraud customers while continuing to gain new applications ), have a Credit Report pulled ( which stays on my credit for 2 years ) and then shortly there after, removed the advertised benefit while still expecting me to pay for the new lesser product which I am not interested in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I had misplaced/lost my citi credit card and promptly reported this ( online to block the account ) and called the customer service on XXXX XXXX, 2015. I was informed that I would be receiving a new card in XXXX days. In addition, was given some bull about the card, which I know for a fact to be untrue. On pressing for additional details, the agent clammed up. 
I called back on XXXX XXXX to inquire about the status. The rep ordered an additional card ( which I did not ask for, all I wanted to know was the status ). 
Been 14 days since the XXXX report ( call ) and 7 days since the XXXX and no card yet. Called again today, XXXX XXXX and was asked by the rep if I would like to close my account. 
Been a citibank customer for over 7 years and this is the XXXX time that I 've faced such an issue with the card not being sent out and jerked around by the call center reps. 
It 's getting increasingly difficult to deal with call center employees who do not understand/care, do not give a straightforward answer and cause additional hassle, after getting through the IVR and waiting on queue to speak to a human being with the expectation that the problem will be solved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I signed up for XXXX Costco card. Around XXXX XXXX, 2016 I received a bill from Citi informing me I was late on a payment. I never signed any customer agreement with Citi, and now they are charging me late fees for a renewal charge I never authorized.

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 2016-01-19
Company: CITIBANK, N.A.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Citibank breaches information. 
Since XXXX of 2016, when I preview my statement online, I see other customers information and not mine. I have been following up with Citibank but I am getting no where. 
My big concern is : does any Citibank customers see my information like I do theirs???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX on my behalf XXXX XXXX XXXX mailed a check for {$5600.00} to the address Citibank gave to them : Citibank Express Payments XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX. The tracking # was XXXX XXXX. Shows delivered on XX/XX/XXXX at XXXX, receiver signed as " XXXX ''. I have the cancelled check, which cleared XXXX on XX/XX/XXXX. Since XX/XX/XXXX I have been in contact with customer service at Citibank via the phone number on the back of my XXXX XXXX AAdvantage Mastercard- XXXX to inquire why this check has not been posted to my account, multiple time over the last 2 1/2 months. I have record of who I talked to each time, and what they told me, if you need that information. I have faxed a copy of the cancelled check at least 6 times, to 4 different fax numbers. I have mailed my documentation to the PO Box I was given ; tracked it ; it was at the PO box on XXXX. ( XXXX XXXX XXXX XXXX XXXX SD XXXX ). This most recent interaction I talked with a " supervisor '' by the name of XXXX XXXX from Missouri. Each time I have been told that a person will call me back- they NEVER call me back. This has happened with at least 3 different " Supervisors '' including one from Payment Investigations. I have been paying Citibank and XXXX BOTH for this money and paying interest to both. I am completely frustrated as to WHY Citibank continues to tell me that I do not have enough documentation for my claim ( which they send via letter ). Can anyone help me with this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold from XXXX XXXX to Carrington Mortgage. First off Carrington imposed their own insurance when I already had mortgage insurance with XXXX XXXX, had for years. All documentation was sent to Carrington as proof of insurance. The imposed insurance created a shortage in escrow. When Carrington added my insurance they added it twice thus charging me twice for coverage and increasing my monthly payment by {$340.00}. Have called many times and try to resolve the issue. They have accepted they made a mistake when adding the insurance to escrow account, however, they refuse to run a new escrow analysis to adjust the payment. They said they would spread the amount over 36 months to bring my monthly payment down, money I have to pay for their error, they failed to do that as well. I have called 7 different times to resolve this issue and there is no resolution. Once the customer service representative just said you have a good day and ended the call. I do not know what else to do or if and what rights do I have, is my only option to loose my house or keep paying the raised amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: LoanCare, LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company " Loancare '' was sent my mortgage payment XXXX, 2017 and has yet to apply the funds to my loan account. I have sent them the required documents showing that my check was cashed by there bank, however ; they still have n't resolved the issue. My bank as well as myself have contacted them multiple times with no results and its now 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 explanation
Consumer complaint received 2017-02-16
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage loan was transferred to LoanCare in XX/XX/XXXX. During that time they failed to pay our Taxes on time, in fact they paid them a year late after a penalty had all ready been added. Here we are once again in the same situation. When they finally paid the XX/XX/XXXX taxes they next day they drafted our escrow account and took out the XX/XX/XXXX taxes so that was on XX/XX/XXXX. Here we are XX/XX/XXXX and the Tax Assessor has not received payment. I have notified the company since XX/XX/XXXX of this and still not able to resolve this issue, and now a penalty has been added. Our payment has gone up about {$400.00} due to the fact they are not calculating the escrow correctly. I have been in contact with the Tax Assessor we live in a small town and everyone is very familiar with one another and they have not received any calls from Loancare concerning this issue. Every time we call we get the run around. It does not take 3 months to locate a missing payment and reissue a check. I do n't know what else to do I am grasping for straws. I have asked to speak with a manager and I do n't get any where all they say is that they will escalate the issue. I have yet to receive a call back from them but I continue to call them weekly.

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