BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-02
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX I received an offer from Citi Mortgage advising me that my mortgage was owned by XXXX and that I qualified for a Trial Modification Program under the HAMP starting XX/XX/XXXX. I sent the proposal to my attorney, XXXX XXXX XXXX for review. He contacted counsel for Citi Mortgage and was told that as soon as I made my first mortgage payment under the trial program, they would not foreclose on my property. I made the first payment in XX/XX/XXXX in accordance with the agreement. XX/XX/XXXX I received letter from Citi mortgage assigning me a special processor that would work with me throughout the trial period. That XX/XX/XXXX, my attorney was advised that my house was foreclosed on by Citi mortgage. I attempted to communicate with Citi verbally and through email and they would n't communicate with me. I sent I the XX/XX/XXXX and XX/XX/XXXX payments to Citi in accordance with the Modification agreement ( payments sent certified mail with return receipts to support payments made on time, my checks were cashed within 1-3 weeks of receipts ). I asked Citi to advise me when I would receive the permanent modification agreement documents in accordance with The HAMP and received no correspondence from them regarding this request. 

My foreclosure XX/XX/XXXX may have been vacated so I was advised that Citi Mortgage was once again going to foreclose on my house in XX/XX/XXXX. The last Monday XX/XX/XXXX I received a call from XXXX, representing XXXX advising me that I might qualify for another HAMP. Yesterday I spoke with a certified counselor at XXXX XXXX and she advised me to file this complaint and also start the modification program again with XXXX. 

I am in a position financially where I can afford to make the payments on my mortgage under the original trial modification program that I entered into with Citi XX/XX/XXXX. The counselor that I spoke with ( XXXX XXXX, XXXX ) yesterday said I would be receiving an application package from XXXX within 48 hours to see if I qualify for another HAMP program. It is my desire to have my mortgage modified under the HAMP program. 

I believe that Citi Mortgage violated the original terms of the HAMP program that I entered XX/XX/XXXX and I am asking for your help to make sure that Citi mortgage does not foreclose on my house and allows me to enter into another trial modification program under the HAMP program. 

Respectfully, XXXX XXXX XXXX XXXX XXXX, Ohio XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016 I opened the Citibank account online under promotion of {$400.00} cash bonus. The promotion stated that within 30 days from the date I opened the new checking account, deposit {$15000.00} or more in new-to-Citibank funds into your new checking account then I can get {$400.00} cash bonus after 90 days. 
The Offer code was XXXX As of today, it 's been over 90 days period and I still have not received my cash bonus as promised by Citibank

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 2016-02-06
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Billing disputes

Complaint:
# XXXX We have a 0 interest card with Citi. I made XXXX payments in XXXX after the XXXX intended to be paid towards XXXX XXXX due date. {$100.00} cleared XXXX XXXX ( the due date is the XXXX monthly ). Citi applied that {$100.00} to XXXX rather than XXXX so I got a notice I had n't made a payment on time. The second check for {$45.00} was correctly applied to payment due XXXX XXXX. It cleared XXXX XXXX. Because the {$100.00} was applied incorrectly my XXXX XXXX payment was short. I talked to XXXX people in customer service and sorry, they could n't back the {$100.00} out and reapply to amount due XXXX XXXX. We are self employed and credit is very important buying real estate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a new Citi Checking account in XXXX 2016 with a promotion code to get {$400.00} bonus if I deposit {$15000.00} into the account and maintain it for 30 days. This was promotion code XXXX. 

As can be seen by the secure messages sent from representatives of Citi, I was qualified for the promotion and it was on my account. After waiting many weeks for replies, I was told that I was denied for the bonus. All qualifications for this account were met, and Citi is trying to deceive their customers by bait and switch.

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 2016-05-03
Company: CITIBANK, N.A.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a XXXX checking account under a bonus point deal for XXXX ThankYou points if I made two bill payments in two consecutive months. I 've completed the bill payments and waited the 90 days + 30 and counting. I 've also confirmed with customer service that I am due to receive the points but still nothing.

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 2016-02-16
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citigold card in XX/XX/XXXX. Citibank said that they would give me a {$400.00} for signing up. I satisfied all the terms. Yet I have n't received the bonus. I 've complained to the brank about this over 15 times. They keep " investigating '' but no bonus for me. This is fraudulent and deceptive. I am XXXX years old. This is deceptive to seniors!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA 's. On XX/XX/2019, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: Ray Klein, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt that on the report is not mine. They report the wrong person.

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
Consumer complaint received 2016-02-03
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested verification and validation of debt from this agency several times to this day they have not provided. I do not know what this is and I am disputing the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
TO WHO IT MAY CONCERN-I HAVE NUMEROUS ACCOUNTS THAT ARE REPORTING AS OPEN AND PAST DUE THAT WERE INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-07-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have a private student loan that I initially opened with Chase student loan. They sold it to XXXX Last year my family had several health issues that caused us to fall behind on many bills including our mortgage. All other creditors including our mortgage company worked with us in helping us get caught up. XXXX turned my account over to XXXX XXXX XXXX when it defaulted. I have asked them for a loan Rehabilitation, but they will not do anything but take a large deposit and large monthly payments or a large settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Platinum Holdings Group, LLC
State: FL
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 was never contacted about this debt on my own personal phone, they contacted my brother, mother and sister in law, and spoke to them all about why they were calling, all gave them my cell phone number to call, instead they called my work and talked with my boss about what they claim they are going to take me to court for if I do not and stated that they were going to fax my boss over some documentation that I would need to fill out and send back to them. Never once speaking to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Nelnet, Inc.
State: CA
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:
My payment on the loan is due tomorrow. I called to simply ask whether if I paid tomorrow, would it go through in time? Or whether I should make a payment today? The service rep did n't know so put me on hold to talk to her supervisor. She then told me that a late payment wo n't go on my credit report for 90 days so I could wait 90 days to pay. This is not at all what I asked ( which I told her ) but she encouraged me to pay late on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: JPMORGAN CHASE & CO.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Chase Bank USA continues to try and collect an unverified debt that, per their own records, they are no longer attempting to collect. In XXXX, Chase Bank won a judgement against me in the amount of {$38000.00}. This is after I sent debt validation letters and received no response until I happen to check Virginia 's circuit court case information on my own. This violated the Fair Debt Collection Practices Act as they never verified or validated this debt during the 30 day window, improbably served me court papers, and the only response after my debt validation letters were court papers -- no facts, just underhanded schemes and fiction. 
Years go by, it 's been a struggle, financial life ruined, credit destroyed, and I still have this unverified default judgement on my report. As a result of the judgement appearing on my credit report I 'm sure I lost out on numerous job opportunities once potential employers saw such a massive amount of debt. Then in XXXX, Chase sends me XXXX for the bogus debt. They explain that they are no longer attempting to collect the debt but the total amount on the XXXX sent, {$39000.00}, does not match default judgement which further proves that they never verified this debt and just pulled numbers out of thin air. On XXXX of the XXXX, I have never idea which account they are even referring to -- it 's probably not my account. It does n't even appear on my credit report or in the bogus default judgement. In the letter it states, they are only reporting principle balances and not interest and fees, but this is still inaccurate based on the numbers from the default judgement. They also stated that they will still report to the XXXX credit reporting bureaus any account information. This furthers harms my credit because of the difference between the judgement and what Chase Bank discharged, the principle and interest that continues to be reported, and the default judgement amount and credit balances appear separately so it looks like I owe Chase Bank a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
When attempting to make an advance payment to reduce debt more quickly than required, NelNet applies the overpayment to all of my loans proportionally, rather than providing me an option of which loan to apply the payment to or automatically applying the payment to my highest interest rate loans. The net result is that I am unable to pay down the balance of specific ( higher interest ) balances and NelNet then charges me a higher, blended effective rate. Since this is a function of their portal, they 've clearly specifically designed their tool to deny consumers the ability to pay higher interest rate loans off faster than their lower interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
By way of this notice, I want to provide my complaints about Chase Bank USA , N.A . and JPMorgan Chase Bank , N.A . ( collectively, " Chase '' ). 
Chase hires and routinely deals with unscrupulous appraisers that are providing low ball appraisal figures on consumers homes in order to benefit themselves. Specifically, they used XXXX XXXX, XXXX who appears to have subcontracted XXXX. The consumer spoke to XXXX XXXX XXXX. His appraiser I.D . is XXXX. He holds the opinion that Chase would not send him any work unless he provided the most conservative figures when appraising homes. Chase also delayed in its process to close on my refinance deal after its appraiser was placed on the watch list. During the period of delays Chase unjustly enriched themselves by charging the consumer higher rates of interest with respect to a line of credit that turned into an arm. Chase came up with various excuses for delaying the refinance deal ranging from not being able to IRS transcripts on time, appraisal expired, and finally now the truth which is that Chase could not get their investors to accept its hired appraisers ' work. XXXX XXXX XXXX ( Chase Processor ) and XXXX XXXX XXXX ( Chase Supervisor ) repeatedly failed to answer phone calls and emails, and left this consumer in the dark. We repeatedly spoke to XXXX XXXX XXXX and learned that XXXX XXXX XXXX was mis-informing us. In fact, it was quite normal for XXXX Chase employee to routinely contradict what the other was saying.During the past several months while in this process Chase has been unjustly enriched itself by delaying the approval of my refinance loan while profiting off the additional interests its charging on the existing line of credit while failing to approve our refinance deal. We have hundreds of emails and Chase statements to confirm the abovementioned. The only Chase employee who has remained truthful during this entire process is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
It appears JPMorgan Chase Bank N.A cancelled a student loan debt of {$7600.00} but failed to mailed a XXXX. I was notified by the IRS that the amount stated above was reported for the tax year of 2013 ; however, I never received a XXXX from Chase to report the amount as income. I called to Chase and advised I did n't receive the XXXX form and requested a copy of the dated letter thatn included the form that was sent. Chase stated they only could send me a copy of the form but could n't send a copy of the actual letter with the date the form was sent. Also, their records didnt ' provide an actual date/time the form was sent. Customer Service was very rude and condescending. It 's clear Chase never provided a XXXX as they could n't provide any proof it was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
In XXXX XXXX, Chase bank via bill pay forwarded the XXXX XXXX car payment to XXXX XXXX with the wrong address. Despite the wrong address, XXXX XXXX received the XXXX XXXX payment with the wrong address and endorsed it. Chase management approved the XXXX XXXX check that was mailed out with the wrong address. Chase employee put the wrong address on the check. I was never notified that the XXXX XXXX had a wrong address. In XXXX and XXXX XXXX, Chase failed to pay XXXX XXXX their XXXX car payments even though they refused the money from my bank account giving the appearance that the XXXX and XXXX payments were made. After 60 days of being delinquent, XXXX XXXX forwarded me a re-procession letter. After contacting Chase, the money was immediately placed back into my bank account and both car payments were made. Upon requesting electronic copies of cancelled bank checks, Chase informed me that their records were destroyed. This was a lie. I am requesting the front and back copies of the XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX electronic cancelled bank checks made out to XXXX XXXX. Chase bank and XXXX XXXX XXXX engaged in deceptive trade practices and fraud which adversely damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
At the end of 2015 I had chase ink, sapphire and freedom cards opened. I decided that I did not need the ink and sapphire cards open anymore so I decided to close them. After speaking to a chase representative I was told that as long as I keep my freedom card open I would be able to retain the rewards points from the ink and sapphire cards. I saw the rewards points still in my account a few months ago, but I just checked again and they are no longer there. I read online that I was really supposed to transfer the points to the freedom card as opposed to just keeping them in my account. I was never told this by the chase representative when I closed my account. We are talking about XXXX points which I have lost and would like to do whatever I can to recover those points.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I filed a complain against Chase Mortgage on XX/XX/XXXX. Before I filed the complain I contacted them approximately one week before. I began getting disturbing letter from them. Attached are some of the letters. I feel that they are harrassing me because of the complaint. I have never gotten any letters like this before from Chase Mortgage before. I did not ask them to sell my house I never asked them for a loan. I do not know anything about a short sale. I did not call them in regards to anything remoting pertaining to that. I was called by XXXX XXXX XXXX XX/XX/XXXX the evening of my complaint and she asked me questions about the situation and I responded to them she told me that she will get back with me on XX/XX/XXXX but she did not call me back. I received a call from her XX/XX/XXXX, she told me that she found documentation to show that chase paid off a {$19000.00} credit card loan for me in XX/XX/XXXX. I told her that did not happen and I have never ran up a credit card for that amount of money in my life and that I only have XXXX credit card. She said that I may have forgotten that I did and I may want to pull my credit report because it shows that on my credit report. She told me to call my bank the XXXX XXXX credit union because my credit report shows the pay off. I told her it was impossible and I have never put that much credit on my credit card in my life. She continued to insist that I did it and can not remember I felt that she was forcing me to admit to something that I did not do. I am not sure why she pulled my credit report because I did not give Chase permission or authorize them to do. I asked her to fax a copy of the documentation that she discovered but she refused to do so and told me that she had no way of faxing or e-mail ing this information to me and she would send it in the mail to consumer protection. I am very concerning about this kind of behavior especially having my mortgage loan with Chase. What type of people are they giving access to my information? She kept asking me if I had documentation for the loan and I kept telling her no otherwise I would not have called them. This harassment must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was preapproved on XXXX XXXX, 2016 for a mortgage by Chase. It was based on the credit bureau in hand and the information I gave on the credit application data being verified as well as an appraisal being performed. I was declined on XXXX XXXX, 2016 NOT because Chase could not verify data or because of a bad appraisal but based on credit bureau information in hand 80 days before denial. I put in a complaint and I was called by " Chase XXXX '' in XXXX, OH. They could not find me in the system ...

Company response to consumer: Closed with explanation