BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-25
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
CitiMortgage approved a loan modification XX/XX/XXXX, XX/XX/XXXX learned that they had not approved it after my trustee paying my mortgage payments on time. Went to try and do a loan modification with my lawyer, CitiMortgage lawyer, the employees from CitiMortgage never showed up. They caused me to lose a day of work , drive 2 hours to XXXX to try and do a settlement with them. Had to pay for a third party who never showed up except on the phone to be a mediator. I am on chapter XXXX, previous to filing I have never been behind on my mortgage payment. From XX/XX/XXXX to now the trustee stopped paying my mortgage. Still trying to do a loan modification. CitiMortgage constantly stated my papers were not sent when I have a bankruptcy lawyer doing all of my paperwork and submitting it. Finally I was going to surrender my home tired of the whole process. I received from my lawyer information about a possible loan modification the letter was dated XX/XX/XXXX XXXX, XXXX, he advised me to possibly consider this. I decided to go ahead and go through with their offer. Payment due on XX/XX/XXXX XXXX, XXXX was sent on XX/XX/XXXX XXXX. So on XX/XX/XXXX XXXX I have received a letter that the CitiMortgage went to court to remove my automatic stay. Such inconsistencies. Then I received an email stating that my mortgage has been sold. They have caused me undue stress and at this time I do not know what is exactly happening with my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I had a credit card with citi. In XXXX 2014 I become XXXX and went of family leave through my job. Since then I have been completely XXXX as determined under ssdi as having a permanent XXXX. I paid each and every month a fee for credit insurance if I lost my job, or became XXXX. Well both situations have inhibited myself from laying my bills. Citibank has since reported various delinquencies and have taken legal action against me and have not honored their insurance protection insurance policy that was charged on my credit card statement each and every month. I am now asking that this agency step in and help me force the bank to remove all these negative reports on my various credit reports and have the safeguard credit insurance policy do as it was advertised and the terms and conditions state is is supposed to do and finally put an end to this harassment!

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 2015-08-15
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Citibank has been callingfor almost XXXX weeks..at firsti thought it could have been a wrong numnber.When i would pick up then the phone would hangup.I get the calls first thing inthe mornings, during the day and pplthe evenings. I contacted a XXXX number and told the person what was happening and they said i should not get any more calls and i just received another from XXXX the same number. 
I have toneved had anaccount with Citibank and when it call it never asks to speak to someone. The number that is calling me is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-06
Company: CITIBANK, N.A.
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
In the last few days ( XX/XX/XXXX through XX/XX/XXXX ) we have gotten 5 calls from a number identified on the caller id as citibank:XXXX. The caller asks to speak to my father, an elserly gentleman. When pressed as to what the call regards we are told he owes {$500.00}, or the caller hangs up. He owes no such amount nor does he have an account with citibank. I am reporting this because the calls are a nuisance and harassing. We wish to report this phone number as a scam. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was denied credit as a co-signer for my son 's student loan due to CitiMortgage 's error in process/posting a paid-in-full check from my house closing. In addition, the law firm hired by Citi, XXXX, XXXX, XXXX XXXX XXXX ( XXXX ) also exhibited servicing abuse in regards to this transaction. 
Timing in life is everything. I sold my house on XXXX XXXX, 2010. See attached closing statement. On that same day I received a letter from the law firm acknowledging this transaction so both lender and law firm were cognizant of the closing. I was unaware that the credit bureaus were going to receive inaccurate information that I have forclosed. I was never informed of this error AFTER the closing or allowed to remedy this situation CitiMortgage should have released the law firm the day of the closing. No one acted on good faith and it is a cruel act of servicing abuse where there should have been a PAUSE in the foreclosure process. This is just sloppy and fraudulent practice on their part. I ( and I 'm sure others ) were NEVER given a chance to restructure. 
Unfortunately, the lenders have a history of deficient practices that must stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hi, I applied for a promotion for XXXX XXXX miles after opening a checking account and following a couple of terms and conditions. They confirmed on XXXX that I met the offer and fulfilled all the terms and conditions and would get the miles by XXXX. Now they are stating for the past one month that they are investigating this. I have spoken to several people and have confirmed will get the miles, but they do n't show up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender has agreed to review the clients file through loss mitigation options and is refusing to hold/postpone the sale date set for XXXX/XXXX/16 to allow time for the review, which they state will take up to 30 days.. They are in direct violation of regulation X by Dual tracking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo cost me {$2300.00} and kept home ( double wide mobile home on block foundation ) my off of market for 2 1/2 months ( was under contract ) As seller of home i jumped through all hoops for the HUD loan fro Wells Fargo. They wanted a septic inspection and structural inspection well after due dilligence period was over, 1 1/2 months after being under contract. I had to use one of their septic people to be certified.The septic inspection buyer paid for initial {$400.00} which was dig up lid and pump out, when there XXXX XXXX told me i needen new baffle tee and filed lines pumped out. A new baffle tee was installed 2 years ago and tank was pumped then, house has been vacant for 1 1/2 years. XXXX told me it would cost extra {$500.00}, i told him i did not see the need, he said then it would fail inspection i.e. NO SELL! So i paid the {$500.00} ( can you say SCAM! ). Then 1 week after that the structural engineer said that mobile home did not have enough tie downs ( home was up to county and state code ) and he just happened to know an engineer who has designed a new tie down system that would solve my problem that would be certified just like XXXX was on my septic. The sysytem cost {$1800.00} keep in mind that if i did not use this sysytem it would fail inspection also! Now all work down to be certified, found out yesterday 3 weeks after all work completed that buyer does not qualify for loan!!! NOW I AM OUT {$2300.00}. Why was buyer portion not done first??? Can i sue wells fargo?? Buyer put down XXXX earnest which helps a little ....

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 2016-08-19
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have a credit card with Home Depot. Home Depot cards are issued by/through Citibank. I have a Citibank HD credit card. For quite some time, my credit limit was {$1000.00}. I have never gone over the limit, and I have never paid late. Recently, I have been trying to pay my credit cards off/down to increase my XXXX score. On or about XXXX XXXX, I paid the {$800.00} balance on my home depot card down to {$500.00}, which would be 50 % of the {$1000.00} limit. Immediately after crediting the payment, without notice or justification, Citibank lowered my credit limit from {$1000.00} to {$700.00}. This action immediately changed my credit utilization from 50 % to over 80 %. It is a well known verifiable fact that credit balances over 50 % have an negative impact on credit scores. CITIBANK CLAIMS THAT A RECENT REVIEW SHOWS CERTAIN ITEMS -- those items have been on my credit report for several years, even prior to when I opened my Citibank/HD card. Citibank knew of these credit items before even opening my account. Citibank gives a fake reason, claiming credit issues that it already knew about, that already existed when they opened the account and now claims that suddenly, now they matter. Citibank, and other credit cards, intentionally lower credit limits for the express malicious purpose of keeping lower income/credit persons from improving/increasing their credit score. Even if this is not the express purpose, it has the same impact. Credit companies should be expressly prohibited from lowering a credit limit that has never been late and never gone over the credit limit unless certain stringent standards are applied. Otherwise, credit companies can continue to maliciously manipulate credit scrores, thereby continuing to limit credit opportunities to high cost, low credit cards. The federal policy has been to LOOSEN credit available to consumers. Allowing credit companies to maliciously lower credit limits after a payoff allows credit companies to malicously manipulate credit scores. Why is this even legal?

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 2016-07-27
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
I am a Citibank Thank You Preferred Visa credit card holder in good standing ( and a Citigold Premium checking account holder ). In XX/XX/XXXX I received a balance transfer offer from Citi Bank with the following offer language : " Lower Rate '' : 0 % promo APR with a fee of {$5.00} or 4 % of the balance ; and " No Fee '' 4.99 % promo APR. I was confused because it says " No Fee '' but below reads " The standard balance transfer fee is {$5.00} or 3 % of the amount ... .. '' so I called Citi Customer service to get clarification. I was assured that the 4.99 % offer was indeed a " No Fee '' offer and that the language about fee was to show what the fee would have been if it were an offer with a fee. 
So I made a transfer of {$2500.00} with the XXXX 4.99 % check provided -- and, despite the stated " No Fee '' ( and the assurance from customer service that this is a " No Fee '' offer ), my account was charged a 3 % balance transfer fee ( {$75.00} ). 
I have written four times to Citi customer service via their website, by fax, and by U.S. mail asking that the {$75.00} fee be refunded but have not received a response of any kind.

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 2015-10-22
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I discovered the Assignment of Mortgage executed on XXXX XXXX, XXXX and recorded/filed XXXX XXXX, XXXX on our loan was robo-signed by robo-signer XXXX XXXX. Please see enclosed Assignment of Mortgage. XXXX XXXX XXXX was not an employee ( Assistant Secretary ) of XXXX ( XXXX ) on the date of XXXX XXXX, XXXX. XXXX is a shell corporation with [ n ] o employees and XXXX did [ n ] ot exist on XXXX XXXX, XXXX. In fact, XXXX, has been publicly out of business since XXXX. Please see enclosed document for verification and confirmation from the Federal Deposit Insurance Corporation. Robo-signing is illegal and has been outlawed in the State of New York. It appears the attached Assignment of Mortgage, was manufactured and prepared by the XXXX, the enclosed Assignment of Mortgage shows a XXXX Trust - and a fraudulent assignment in XXXX - 9 years AFTER the Trust had CLOSED! 
Trust documents are explicit in setting forth a method and date for the transfer of the mortgage loans to the trust and in insisting that no party involved in the trust take steps that would endanger the trust 's XXXX status, if the original transfers did not comply with the method and timing for transfer required by the trust documents, then such belated transfers to the trust would be void. The Trust itself can not hold ownership of the note because of its tax-preferred XXXX status. 
New York 's XXXX has erected an impenetrable legal barrier that prevents the Bank 's trust from acquiring a purported note and mortgage after the Trust 's closing date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern- I received a letter from SLS indicating that they are the new servicer for my mortgage, however I did not receive a letter from XXXX XXXX Loans, the current servicer. I have been going back and forth with XXXX in getting a loan modification. They have been giving us the run around and now this. How can I get some assistance. XXXX did not even have the original note and now this new servicer does not have the note. 

Thank you. 
XXXX and XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: NH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a bill from a collection agency ( Wakefield and Associates, in TN. ) stating that I owe a bill from a doctor ( XXXX ) that I have never seen or heard of. I went to the hospital in question ( XXXX, XXXX NH. XXXX ) They have never heard of this doctor and certainly this dr. is not on staff there. In fact there are no doctors notes after checking with their medical records, as well with the the billing dept. They in fact have never had me in collections, and DO NOT USE THE COMPANY Wakefield and Associates for their collections. I have contacted Wakefield and Associates which still insists I owe this money and my credit is in jeopardy. I told them there is no XXXX, at XXXX in XXXX, NH, nor is there any records/notes of me seeing such a provider. I also told them to call the billing dept. at XXXX XXXX 's because I have never been in collections as well as the hospital does not use Wakefield and Assoc. for collections. I am sure this is a scam to collect monies that I do not owe.

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 2016-04-26
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Whom it may concern, My mortgage loan is servicing by Ocwen Bank. They sent me a letter with the notice my interest rate changing to 3.125 % ( old rate 2.875 % ) and payment will go up to {$2300.00} My current payment is XXXX and it 's increase by XXXX %, when interest went up only .XXXX %. 
So how is can be? Well it could be, if the loan is going in the full payment. I would like to get explanation, why do they do against the contract? As per contact that could be happening only after XXXX payments were made. The loan starts on XXXX XXXX XXXX, so it should happen only in the XXXX XXXX. All documents are attached. 
The second is interest rate : My most recent statement said ( also attached ) 2.875 % is good until XXXX XXXX XXXX. So it 's meaning the new 3.125 % is wrong? 
These people do n't know what they are doing? How many customer are same situation or just do n't pay attention what is said on their statements. 
Please take action and somebody got to be pay for the mistakes? I would like a get fix rate, that 's all I want. They are refusing me to do a loan modification for 5 straight years. ( including IndyMac ). 

Please help us we would like to keep our house, but it feels now, just would like a quit and wait for few years, and buy house with different bank. It 's sad when they have this " Helping Homeowners is What We Do! '' is complete opposite in the real life. 

Thank you XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Northstar Location Services, LLC
State: AL
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Northstar Companies is attempting to collect a deficiency balance from XXXX. A representative, XXXX XXXX, somehow got a phone number to my ex-wife. He contacted her and said I listed her down as a reference on a loan. He also told her what company he was representing. I never listed her as a reference, so he found her number through other means and she XXXX the company and realized it is a debt collection company. That is none of her business. XXXX had all my contact information. There was no need to dig up a number from a person I have been divorced to for six years.

Company response to consumer: Closed
Consumer complaint received 2015-08-19
Company: Fairway Independent Mortgage Corporation
State: ID
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
The original loan was approved for an exit out of a construction loan in XX/XX/XXXX. Going into the final re-finance of the loan, 5 months later, the appraisal based on plans was reduced by nearly {$80000.00} in a market that is increasing in value or at worst holding stable, but far from devaluing. The mortgage lender approved the loan using stated incomes and the associated documentation, as of closing 5 months later, the mortgage lender disallowed substantial portions of the income that were original approved without rational other than blaming the unseen/unknown " underwriter ''. Subsequently, the mortgage broker has been demanding that massive amounts of additional documentation be provided to get the loan closed, including financial statements from third parties to the loan as they were compelled to participate due to the ongoing changes perpetuated by the mortgage broker. The third party justifiably refuses to release personal financial information beyond certify they did gift the money and producing a receipt for the transaction of the gift funds. Further, this loan should have closed 45 days ago, but has been drug onward at some expense to continue to hold rate locks while the market is falling on rates ... effectively paying to hold a a more expensive rate versus current market rates. This loan has yet to close and near as I can tell will not close due to the delay and hassle of the mortgage broker and his representatives. 

This loan was approved in XX/XX/XXXX pending completion of construction based on the same documents provided 60 days ago and provided today. That information has not changed even if the ability to read XXXX and retirement statements compared with straight XXXX has miraculous been reinterpreted. Near as I can tell this out right fraud or bait and switch tactics that the law attempted to avoid with changes back in XX/XX/XXXX because its put me in the position of taking out a construction loan based on a guarantee/promise of a documented re-finance out, a promise now being broken. 

Agent : XXXX XXXX ManagerNMLS # XXXX : XXXX XXXX XXXX XXXX, XXXX, ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had my mortgage with OCWEN from XX/XX/XXXX until they informed me on XX/XX/XXXX they sold my mortgage to XXXX XXXX XXXX XXXX. I made XXXX last payments to OCWEN in XX/XX/XXXX. XXXX payment was received on XXXX XXXX for {$970.00} to covert the mortgage for the month of XXXX and the XXXX payment was received on XXXX XXXX for {$1000.00} to covert the XXXX mortgage of {$1000.00} and the {$56.00} change of new payment. OCWEN did not apply the payment to the XXXX mortgage. Instead they applied it to the principal. Now, XXXX XXXX is sending me to collections because they said I am late with my payments. I have contacted OCWEN and they said they will fix the problem but they did n't and now they are saying that the only thing they can do is to give me a statement showing what was paid but they will not forward the payment to XXXX XXXX. XXXX XXXX at the other hand will not do anything to get the payment from OCWEN. I ca n't pay XXXX for the XXXX Mortgage just because this XXXX companies ca n't seam to know what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/15 Ocwen Loan XXXX receipt of {$24000.00} for XXXX/XXXX/15 " contractual payment for {$8900.00}. " On XXXX/XXXX/15 the funds were presented to your banking institution for payment ''. " There was an instance were the XXXX for some reasons was not able to read the details off the check, which caused the check to result in a chargeback ''. Ocwen ACTS and ERRORS caused them to CHARGE ME A LATE FEE of {$440.00} and send a XXXX/XXXX/15 " URGENT DELINQUENCY NOTICE TO AVOID FORECLOSURE ''. ( Page # XXXX )

Company response to consumer: Closed with explanation