BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-18
Company: CITIBANK, N.A.
State: WV
Product: Credit card
Issue: Payoff process

Complaint:
XX/XX/XXXX I purchased a TV on a credit promo from Best Buy. This XX/XX/XXXX it was due to expire. I called someone at the credit center and asked them why the balance was higher than I thought and did my payments go to any of the promo balance. They checked and said some payments went to the regular balance which was a low amt. I asked her if she could allocate any amount to the promo balance. She checked and she said she could with 2 pmts of {$25.00}. ea a total of {$50.00}. My promo balance at the time was {$350.00} and with that credit it would be now {$300.00}. So I said are you sure it would be fixed and she assured me it would. On XX/XX/XXXX I called the payment center to make a payment instead of making it online as I always do. I talked to someone named XXXX and I told her the story and wanted to make sure the promo was correct so I made a payment of {$300.00}. When I received my statement for this month they charged me {$380.00} for interest charges accrued on the account because I did not pay it in full. I called the credit center today XX/XX/XXXX and they said they can not fix it. They said in their notes they could not fix those 2 payments so my balance was {$350.00}. I told them that I had no idea that it was not corrected and nobody called and told me otherwise. I asked to talk to a manager and she precedes to tell me the same thing that I did not make the full payment so I owe the finance charges. I then asked to talk to someone higher and they said they would have to send it to be reviewed and see the conversation and will contact me at a later time about it. I am sending a written formal complaint to the company but I am afraid that they are not going to do anything because they do not act like they did anything wrong. I would have paid the amount in full if I thought for any reason that it was not adjusted. Why would I pay the {$300.00} on time? If I did not care about the finance charges I could have saved myself some money and just pay the minimum. I do not know what else to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-15
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold Checking account using a promotion code for XXXX XXXX XXXX miles. I confirmed with Citibank the terms of my promotion via secure messaging on their website. I met the terms of the promotion and contacted Citibank because the points promised in the promotion had n't posted to my account. They responded that I was not eligible for the promotion and they were not honoring the terms of the promotion. 
I have attached copies of all correspondence with Citibank and my statements showing the promotional requirements were met. 
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 non-monetary relief
Consumer complaint received 2015-07-10
Company: Mitchell Rubenstein & Associates, P.C.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A judgement was filed against me. I spoke with the attorney to settle. I wrote up our agreement and sent him a check marked XXXX satisfaction in full. After that one was cashed, I sent him the other XXXX amount, which he cashed. He is now saying I ow him interest and filing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
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 requested that Citibank close my checking account # XXXX. On XXXX/XXXX/XXXX I was charged a {$12.00} low balance fee. The next day, XXXX/XXXX/2016, I was charged a {$34.00} overdraft fee leaving my closed account {$46.00} overdrawn. This is not the first time Citibank has charged me excessive fees on a closed account ( see case # XXXX ) and this indicates a pattern of charging excessive fees. I want Citibank to refund all fees a close this account.

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 2016-01-27
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
To Whom it may concern : Consumer Collection Management lists on my credit report me owing to XXXX XXXX. I own XXXX XXXX nothing. When I asked for proof of debt this winter they sent me nothing showing that I owed XXXX XXXX anything. Since the information they are reporting is false I would like it removed from my credit report asap. I have included my request for debt validation, what they submitted and my response pointing out that they did not submit anything showing that I owed XXXX XXXX XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an escrow account and Rushmore loan services is the debt collector, since late XX/XX/XXXX. I have paid extra within XX/XX/XXXX and the new year on principle. I called XX/XX/XXXX to inquire why Rushmore had not received my monthly payment and why escrow was increasing. I was told that my home owners insurance was increased. I contacted my home owners insurance company ( XXXX ) XX/XX/XXXX and was told that I no longer have a home owners insurance with them due to failure to pay XXXX dollars in XX/XX/XXXX. I was told that they had notified me as well as my servicer that the amount was outstanding. ( I had contacted my insurance company to increase my insurance due to neighbor having dead tree leaning towards my property in XX/XX/XXXX. Neighbor cut tree down and I called the insurance company XXXX back in XX/XX/XXXX and they agreed to reduce policy to what is was before ). I spoke to a XXXX manager called XXXX and informed her that I was not notified of termination of homeowners insurance and that I would have paid the XXXX dollars had I known. I asked XXXX to reinstate my homeowners insurance that was terminated due to lack of payment of XXXX dollars. I was told I needed to do a new contract and this contract is XXXX dollars more a year than my old contract. 
My mortgage company appeared not to have been notified of termination of my home owners insurance or else they would have paid!? XXXX told me that Rushmore does not need to pay it is up to me to pay. I would like to get out of the escrow account and pay my own taxes and insurance or have a responsible debt collector who will not forget payments while increasing my escrow amount. I am a first time home owner who has been taken advantage of before and is in need of assistance. 
Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Citicards has been mailing me offers for XXXX bonus miles if I open a new credit card and spend {$3000.00} in first 3 months every 1-2 weeks for past few months. I finally applied for the card, was approved and spent over {$3000.00} in the time period specified. However they did not honor the bonus miles offer. I called and talked to an agent that told me I was n't eligible since I closed a Citicard 18 months ago. BUT if I am not eligible, why did they send offers to my house almost every week?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: CITIBANK, N.A.
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My XXXX mortgage with XXXX XXXX XXXX increased {$200.00} last year and now {$500.00} this year. My husband is ill and has been for XXXX years. We have been struggling since this time because he has been unable to work. He does now get social security, however, the medical bills and the mortgage increase has made it impossible for us to keep up. I have been trying to get a loan modification with XXXX and CitiMortgage and the time it takes is ridiculous and having to keep sending the same documents is not right. We are XXXX payments behind with Citi but XXXX payments behind with XXXX now. Please help us keep our home. I work for a mortgage servicing company and we help people all the time no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I have submitted a bona-fide, duly recorded Deed/Title to your division contained in my complaint packet, but your agents continue to perjure themselves by saying they have not received it. I can prove the mail arrived at your XXXX, Iowa location, with the correct address ; but, you refuse to acknowledge the mailing, and therefore have committed mail fraud. Tampering with the mail is a federal offense, punishable by fine and imprisonment. The US Postal Service has confirmed that my letter of complaint reached your mail room. You are shielding criminals, and therefore acting as their messenger ( s ). Your Director, XXXX XXXX, will answer to his Senate Critics for this. Your Bureau is shallow, shady, and needs not only to clean up its act, but to be disassembled and reassembled. I will not rest until the world knows that your Director is in bed with XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX and partner in crime XXXX XXXX, XXXX XXXX of XXXX Bank and XXXX XXXX of Ocwen Loans. All of your are guilty of suborning perjury, obstruction of justice, and violation of the Dodd-Frank Wall Street Act. This will all blow wide open, and I hope all of you end up in prison!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This debt was never mine. I did not open an HSBC account in XXXX 2014. I have continuously disputed and XXXX has not sent any type of verification. It has been over XXXX days I want it deleted from ALL XXXX CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PHH Mortgage XXXX has engaged in a pattern of action that has prevented me from submitting a complete modification package. PHH actions have included : Refusal to access or acknowledge previously documented instructions and communications by PHH personnel to me with respect to steps to avoid default Case Managers/single point of contacts have stated " I do n't have access to your file or any records of previous conversations '' ... '' it 's not my job to find out what anyone in another PHH department told you '' Threats including threats for me to not communicate in writing Repeated loss of documents and accusations of non-submittal despite my file being submitted by XXXX HUD Counseling Agencies and ( NACA and XXXX XXXX XXXX XXXX XXXX Misrepresentations, false statements from the beginning of my hardship to the present that caused me harm and prevented me from avoiding damage to my credit standing Instructions by PHH representatives that were misleading, faulty and harmful that caused me to lose options that were available to me prior to my home going into default Repeated refusal to provide accurate information on whom was the investor and/or the means by which the Investor could be contacted Refusal to answer questions or requests for informationListing my home for Trustee sale at the same time a review for modification was stated as being in process

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Advertising and marketing

Complaint:
For quite some time, I have been on the opt-out list for receiving credit card and insurance mail solicitations. Today, American Express mailed me a solicitation for their " Premier Rewards '' credit card. Surely, this established company has access to opt-out lists and can see that I 'm on it. People are tired of this XXXX. Please have American Express stop sending me their unwelcome solicitations or promotions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please help stop this debt collector Midland Funding LLC. from reporting this debt on my credit report. The debt is past statue of limitations XX/XX/2012. I am a single Mom, trying to get on my feet put a roof over mine and my daughter 's head, and no one will rent or lease to me, Thank you in advance for all your help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
The debt was from XXXX regarding equipment allegedly not returned. I spoke with XXXX directly and they do not show any debt with them. 
My collection account keeps getting sold from XXXX collection company to the next.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
contract cancelled with XXXX yet they kept billing. when they did not receive payment on what was not owed them, they had a collection agency try to collect. this agency TRANSWORLD SYSTEMS was notified XXXX in writing that this was not money owed and they continue to sent these harassing notices to an XXXX year lady.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We owned a property in XXXX Florida. 
We have had problems dealing with the Mortgage Company ( in-consistent, transferred servicing/ change of attorneys etc ) and their non-conformance to a US Bankruptcy Court XXXX XXXX XXXX Court Order, Confirming our Chapter XXXX Plan, in which all parties agreed to " surrender of Property, in XXXX XXXX. 
My attorney was involved and also unsuccessful. 
Unfortunately the Mortgage company proceeded with Foreclosure rather than " Deed in lieu of ''. 
Keys were sent to a representative/agent of the Mortgage company in XXXX. 
We received in XXXX, a Florida Court document " Stipulation to consent to entry of Final Judgement ''. Clause advised that with signing the document we would receive {$1000.00} ( ( which we did in XXXX ) and another payment of {$2000.00} within 10 days of the sale. 
We have received a copy of the Certificate of Sale for auction on XXXX XXXX, XXXX. We complied with all the requirements and have still not received our {$2000.00}. 
In addition because of the delay and non compliance to the XXXX Bankruptcy Plan, we have lost rental income of {$7500.00} per year for XXXX, XXXX & XXXX. 
We welcome your help to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have had a Home Depot Credit Card for three years now. It had a low $ 500limit which I did not mind since I do not frequent Home Depot as there are otheroptions closer. The credit limit was recently increased to {$1500.00} which I did notrequest nor was I notified of. 
I received a letter in XXXX stating that if I do not use the card byXX/XX/XXXX XXXX 2015 they would close my card. Two days after I received the letterthey closed it. I called the same day and spoke to a rep on the phone whosaid they would reopen the card since it was closed early and for me to make apurchase to keep it open. She stated it would take two business days for thecard to reopen. Today, XXXX/XXXX/2015, I tried to make a purchase at the store andmy card was declined. After calling in, they refused to reopen the card. Therewas no notification of the card being closed after I spoke with the rep who saidit would be reopened and she would escalate the issue to her manager. 
Another rep today informed me a manager never saw the issue and they wentahead with the closure any way. 
The embarrassment and wasted time of going in there to shop and get to theregister to have the card declined with no warning. I have other cards that mylimits have been increased, but Home Depot givesme {$500.00} and says that is too much of a " risk ''. Please. I have never been lateon any payments, and I was planning on paying this in full any way. In orderto get a new card, they want me to reapply, which means another hit on mycredit. Not to mention they closed the account so that will hurt my credit aswell. I have had no bad payment history with them and I am not a risk. Theyshould not be able to arbitrarily close some ones account without at telling, or do it prior to the time frame they disclosed. They lied and are deceitful withtheir lending practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Oracle Financial Group LLC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
There is a company named Oracle Financial LLC that continues to call me and threaten me with a law suit. They will not provide a validation notice and have made threats of lawsuits, coming to my place of employment to serve me, and stating that they will find me through my family. They have personal information about me such as my social and address and it concerns me. They offer a settlement over the phone and say I need to pay them through credit card immediately. This feels fraudulent and I am concerned they may be trying to commit identity fraud or collect debt that is not real.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX I received a Chapter XXXX discharge of all my debts, and in XX/XX/XXXX, Central Morgage Company XXXX, a mortgage servicer, gave me a mortgage modification agreement in which they created an escrow account to pay all my taxes and insurance as is customary. In XXXX of this year, the tax collector XXXX came to my door with a letter saying I had 30 days to pay off over $! XXXX in back property taxes with penalties and interest for the tax year XXXX. Perhaps I thought the taxes had been discharged in the bankruptcy or that Central mortgage had included them in the escrow because I did not pay thoses taxes, nor did the XXXX XXXX tax Collector inform me that this debt was accruing. It turns out that in small print of their annual tax statement, there is a small note, amost too small to notice, that back taxes were outstanding. the terms they offered for paying these taxes were unreasonably harsh, so I submitted this bill to Central Mortgage which they forthwith paid in full to protect their own interest in the property. Now they want me to repay this tax bill at the rate of {$1100.00} per month on top of my {$2600.00} a month mortagage payment for a total of {$3700.00} per month. I told them that I could not afford this payment and asked them to either remodify my mortgage or to spread the tax bill out over a longer period of time to make my payment more reasonable. They took over a month to ponder my request and have just refused to take any steps to make myi payment more reasonable. I find this to be very unreasonable and woud like help in resolving this matter more to my favor lest I lose my home. Also, I would like to know if I have any legal recourse with resepect to this usorious and totally outrageous tax bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The CFPB, F.B.I., OCC.HUD, making HOME ADORABLE AND MY CONGRESSMAN US D.O.J. NEED TO REOPEN A CRIMINAL INVESTIGATION AGAIN AGAINST CHOICE LEGAL GROUP IS A COLLECTION AGENCY AND THE LAW NEEDS TO BE AUDIT THE AUDIT WILL REVEAL ALL THE FRAUDULENT DOCUMENTS ACTIVITY GOING ST THIS FORECLOSURE MILL 'S ALL IS FRAUDULENT POA, XXXX ENDORMENTS, NON ORIGINAL PROMESORY NOTE LOOK CASE # XXXX AT XXXX FRAUDULENT DOCUMENTS TO OBTAIN A FAVORABLE ILLEGAL JUDGMENT FOR ALMOST {$140000.00}, THIS FRAUDULENT ACTIVITY

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