BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-18
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
After an initially delightful and responsive initial period, Citibank reneged on their written promises and confirmations. I will never get a loan from Citibank nor would I ever recommend getting a mortgage loan from them. 

Earlier this year, we found a condo that we fell in love with and made an offer. After getting our mortgage shopping done, we chose Citibank because they offered us an initial rate of 3.375 %, which was fantastical and better than the rate we could get at our own bank. 

Signing a contract for 90 days after getting our pre-approval, we were ready to close and move in. From the moment underwriting began, it became a nightmare. The amount of documentation required kept ballooning again and again with each time the lender assuring us that we were complete. 

After weeks of this, Citibank 's attorneys then caused even more delays, which my attorney fixed in fifteen minutes of writing an indemnification letter. At this point, our purchase agreement had long since expired, and it was only by the kindness of the sellers that we were able to keep our considerable escrow deposit. I had multiple written assurances from the bank that the rate would be locked in at 3.375 %. 

With underwriting complete, we set a close date. Just a week and a half before the close of the property, we received an email from Citibank -- a day after they had confirmed our original interest rate -- that they were going to hike the interest up to 3.5 %. They did this because they had to pull my credit report again causing my score to drop. This hard inquiry was completed WITHOUT my permission and WITHOUT notice. 

After several days of protestations, I spoke with the VP of lending at the bank, who said there was nothing he could do. I could either pay XXXX more dollars in discount points or risk losing my XXXX of dollars in escrow by going to another lender. This was simply extortion. I was left with literally no acceptable options. 

We reluctantly agreed to pay the discount points and closed just days later, but I will never get a loan or recommend Citibank for another mortgage. They do NOT keep their written word or deal in good faith.

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 2019-05-10
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Over draft fees due to fraudulent charges. Submitted a claim with Regions Bank. This has happened to me numerous times with Regions and they are theft out of my account. Regions has never returned stolen money. My question is why is the FDIC insuring the customers money when they dont follow that law?? 
Every other big bank in the US does a much better job at protecting and replacing stolen money. Apparently Regions Bank gets away with this protocol and the US Government does nothing. How many Class Actions suits are against Regions? I am sure I am not the only one. Please contact me at+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 explanation
Consumer complaint received 2015-11-17
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Other

Complaint:
I recently took extensive efforts to clean up my credit report in the intent of needing to apply for a loan to build a home. I used my free annual credit check. I recently received free credit monitoring provide by the XXXX as my name was involved in the XXXX XXXX. I had a XXXX Credit Card issued by Citibank, Acct XXXX. My credit was sold and transferred to XXXX, XXXX XXXX XXXX XXXX, several months ago. Both XXXX and XXXX both showed I had XXXX accounts open Citibank and XXXX. The transferred account was never closed or transfered. Although not of significant impact to my FICO, it was counter productive to all the work I just did to get my report correct. I did not participate in the negotiations involved in change banks to support my borrowing/credit needs however the consumer should not be impacted negatively when XXXX banks get together and your information/business is sold. The CFPB should actively monitor who should have done what to whom in this case so consumers are not negatively impacted by financial transactions when their information is sold and when the consumer is not personally involved in the transfer. Who is accountable to make sure all three reporting agencies are aware the credit was transferred??? It is too scary that this activity can occur without repercussions or analysis on the frequency of occurrence. All XXXX would say is that you have to fix this. They are " XXXX party '' in this transaction. Actually I am XXXX party in the deal to buy my credit! Why are financial institutions not accountable for not reporting the transaction??? This same thing just occurred when my mortgage was sold. This latency issue has significantly affected my credit score. It has been three months since the transfer of my mortgage and XXXX still shows I have XXXX mortgages on my home, XXXX with XXXX and another on with XXXX. Who should be accountable???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Around the XXXX of XXXX XXXX I contacted Bloomingdale 's Credit Card Services ( XXXX ) to verify my account limit. After inputting my card number and other identifying information I was advised that my credit limit was {$2000.00}. I actually thought that my limit was much higher than that. About 5 days later I received a letter from Bloomingdale 's dated XXXX XXXX XXXX stating : " Why we 're writing you It 's been a pleasure to have you as Bloomingdale 's Credit Card customer and to serve your credit needs. We are sorry to hear that you no longer wish to keep your account. As you requested, we have closed your Bloomingdale 's Credit Card account. '' After reading the letter I immediately called Bloomingdale 's at XXXX on XXXX XXXX XXXX to advise that I never requested to have my account closed. The Bloomingdale 's representative indicated that my account was closed in XXXX XXXX which was a surprise to me because around XXXX XXXX XXXX I was informed I had a {$2000.00} credit limit! 
I requested that my account be re-opened because their letter falsely accuses me of requesting a closure of my account. The representative then transferred me to her supervisor. I then re-iterated my concerns to the supervisor at Bloomingdale 's Credit Card Services again stating that I never requested to have my account closed and just a week earlier I was informed that I had a {$2000.00} limit. I also indicated that the Fair Credit Reporting Act and the Fair Debt Collection Practices Act affords me the right to receive an " adverse action '' letter from a creditor if they took an adverse action against me. I did not receive such a letter in XXXX XXXX stating my account would be closed and I did not request to have my account closed in XXXX XXXX. I then requested that the supervisor re-instate my account and she advised that she would have to transfer me to yet another department that could handle that request. I was placed on hold and then a gentleman came on the line, I greeted him and after several " Hellos '' he did not respond anymore so I disconnected the call. 
I am very concerned about my credit reports and my credit scores being adversely affected by the closure of a 7 year old account with Bloomingdale 's which was in perfect standing and for no reason of my own. Also, it seem peculiar that the gentleman in the Bloomingdale 's credit department would not respond after coming on the line and has not called me back to discuss the matter.

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 2015-08-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My credit card was used to make a purchase at Macy 's store number # XXXX. The initial attempt of $ XXXX was declined. The XXXX attempt of {$80.00} was approved. My bank alerted me of this and canceled my card. My fiance 's debit card was also compromised and she 's handling this with her bank. The only location we used our cards in the same place was in the XXXX XXXX in XXXX, GA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I APPLIED FOR A BEST BUY CREDIT CARD WITH A LIMIT OF {$4000.00}. I WAS THEN GIVEN PAYMENT TERM OF 48 MNTS WITH 11.9 % APR OR 24 MNTS WITH 0 %. A BEST BUY REPRESENTATIVE ASSISTED ME AND ACCIDENTALLY SIGNED ME UP WITH THE 48 MNT PAYMENT TERM WHERE I WILL BE PAYING 11.9 % INTEREST ON PAYMENTS WHICH I WAS UNAWARE OF. I SPECIFICALLY ASKED THE INDIVIDUAL FOR THE 24 MNT PAYMENT TERM. ALL OF MY PAYMENTS ARE CONSISTENT WITH A PAYMENT TERM OF 24 MNTS OR LESS. I WILL THEREFORE BE PAYING INTEREST IN EXCESS OF {$500.00}. I HAVE BEEN GOING INTO BEST BUY AND ASKING THEM TO CHANGE MY TERM AND THEY ARE SAYING THAT THEY CAN NOT DO IT. I ASKED CITI BANK TO DO THE SAME AND THEY ARE SAYING THAT THEY ARE UNABLE TO CHANGE THAT INFORMATION. I AM NOW OUT OF OPTIONS

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 2016-06-07
Company: CITIBANK, N.A.
State: RI
Product: Credit card
Issue: Other

Complaint:
We received a letter from Macys regarding a purchase on our credit card that neither one of us made. Good news is Macy 's declined the purchase so account was not charged. Instructions indicated to call Macy 's which I did and spoke to XXXX who could not or would not provide details about the purchase other than the attempt was made on XX/XX/XXXX but could not be completed. I asked if our account was hacked and the response was yes. I asked if there was an announcement about the hacking and response was no. Thought all hacks had to be reported. Account was closed at my request.

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 2015-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax reinserted a comment on my XXXX account " Dispute resolved ; reported by grantor ''. I DO NOT DISPUTE - PLEASE REMOVE VERBIAGE AGAIN. I sent two certified letters to have this removed, only to have it reinserted,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have made numerous contacts, ( copies will be attached., ) with Ditech , ( my mortgage servicer ), requesting to initiate procedures to eliminate my PMI charge of $ XXXX per month. They have taken more than four months to schedule an apprasil which as yet is not scheduled. It took XXXX XXXX XXXX to XXXX XXXX XXXX, 72 days and XXXX phone calls to be told that I have to authoize an apprasil in writing. I sent this auuthoriztion by email on XXXX XXXX with a copy by XXXX mail. I was told by email from Ditech on XXXX XXXX that an apprasial had been ordered. On XXXX XXXX, they told me by phone they could not tell me who the apprasier was that they only had an ID number and I should be contated by the apprasier within a week. I was contacted on XXXX XXXX by a person to schedule an appointment. During that appointment I learned the this person was not an appraiser and she had received an ordfer three days eariler to provide Ditech with a Professional price opinion. Obviously, rather than send an appraiser on XXXX XXXX, as promised, they sent a person to do a " professional price opinion '' which they have and will not furnish to me. I requested the opinion the same day it was availabel to them. 
I am fully aware of the procedure for eliminating PMI and do no believe their Procrastinating techniques in order to collect more PMI premiums ar within the law and obviously costing me money unecessarilyCan you 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 2016-05-21
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I responded to a communication from CitiBank involving a CitiGold Bank Account bonus ( XXXX Thank you points ) for signing up and meeting certain criteria. I opened the account online which informed me of the bonus points and stipulations to which I agreed. I then met my requirements for the bonus, and began using CitiBank as my main checking account ( bill pay, direct deposit, etc ). However, when contacting CitiBank they instead told me there was no bonus associated. 

I feel like I have been tricked by a company to which I have provided even more business.

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 2015-05-20
Company: TCF NATIONAL BANK
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This debt continues to show on my credit report. It is over XXXX years old. I contacted Gateway 1 ( Gateway one ) to explain the debt issue in XX/XX/XXXX, which is I signed for a vehicle for a family which after three months decided not to pay I gave them all of their information Social security numbers addresses and phone numbers.. Prior to that I contacted Gateway to find out what I should do, and was advised to turn the car into the nearest XXXX Dealership which I did in XX/XX/XXXX. The debt continues to show on my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-12-22
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Key Bank closes branch. When I go to open a new account at another bank, I learn they had another account under my name I knew nothing about or authorized. They listed it as Account Abuse on XXXX, Consequently I can not open an account anywhere else. They listed my address on this account as my neighbors so I never got any calls or correspondence. I did business at this bank for 20 years and never had any idea they were doing this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I started the modification process with roundpoint, they are giving me the run run around for the longest time first they give me a one year trial after making my fith payment they disqualified me because the allegedly did not received one of my payments know every week they send a missing items letter with something different every time. I really need resolution my wife is going through XXXX and I 'm sick XXXX. Please help me! My name is XXXX XXXX loan # 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 2016-08-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Contacted original debtor and was advised that the two accounts in question were charged off back in XXXX and XXXX. Disputed with the credit bureaus and the investigation results came back as " verified '' valid by the collection agency.

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 2022-06-03
Company: Michael Wayne Investment
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had a Company closed my account in XXXX with a {$0.00} balance. Now in XXXX i received a garnishment XXXX my payroll with {$400.00} to {$600.00} being taken out every two weeks without warning. They said they notified me but when i called the clerk of court, it was sent to an address that i haven't lived at in over XXXXyears. It almost cost me my home multiply times my family was almost evicted which caused me hardships and stress at work. In XXXX the debt limitations for auto loans are 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: KEYCORP
State: OH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
For weeks now I have been having trouble getting a satisfactory answer from Keybank. I have talked to many representatives both overseas and here. The web of phone lines I have had to go through to get a person to help me is amazing and not in a good way. Here is a brief synopsis of what I have been going through. 

On XXXX XXXX we bought a car for XXXX I wanted to charge it so we would get our points but the seller did n't take credit cards I remembered convenience checks from years ago and I remembered them being free. They were just sent to me without asking. 

On XXXX XXXX I called Keybank with questions and got an overseas representative, XXXX I asked her if there were any fees and if I could get my reward points She was very quick to get my information and send me the checks but I kept asking the questions. She answered in an accent that was hard to understand so I asked many times. 
She kept going and asking her supervisor I was not following her very well but thought I was asking the right questions ... over and over again I do remember saying So this is like using my card ... and So do I still get my reward points ... 
she would quickly answer me in broken English ... 

Then I get the checks in the mail ... I look it over and do NOT see anything that says Convenient check fee so we use the check Then I look up my online account and see {$150.00} charge for Convenient check fee and I received no points ... 

Looking over the Letter again I see on the back last line that no reward points will be given. 

Since I have talked to many representatives all saying they can not waive the fee because the representative I talked to, no matter how bad her english was or how fast she talked, DID tell me it was a XXXX % fee or XXXX. They all agreed the original phone call I made to get answers about the convenience checks ( and got an XXXX representative who spoke fast and broken english, and clearly reading things out of a book or checking with her supervisor ) did sound like I was confused and not understanding but the fact that the representative did tell me XXXX % fee covered their butts legally so they will not waive the fee. 

This fee was worded on the letter but as a " Balance Transfer Fee '' and not a Convenience Check Fee. How was I to know that? 

We have been good customers of Keybank for over 30 years and yes this was a mistake on my part for not hearing her say the checks have a 4 % fee which in my case is {$150.00}. But in my defense IF I would have had an english speaking representative help me this whole thing would have never happened. 

The original representative was XXXX and my case # is # XXXX I can not seem to get to speak with a person that COULD make the decision, in my city, who represents KeyBank. 
I have talked to XXXX XXXX XXXX XXXX and a few other overseas operator/representatives whose names I did n't write down Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen loan servicing did not response to my qualified written request for verification of debt over the past year or so I sent countless letters asking for proof of Debt that I indeed Ocwen and should be paying Ocwen loan I loan was with XXXX then Litton loan in XXXX the loan was paid as agreed and then Ocwen out of the blue sent a coupon statement asking me to start paying them. I never got and letter stating the transfer or what happen to my last lender. I ask Ocwen to provide proof of debt and if they did n't have proof to cease collection but if Ocwen had proof I would continue to pay. On XXXX/XXXX/XXXX Ocwen sent me a letter stating they would opt to stop collecting instead of showing me proof. XXXX XXXX I sent another letter asking them to stop reporting to the credit angency Ocwen removed the loan from Transunion but reported to XXXX and XXXX that forclouse processing have started Ocwen is not the note holder and has no right to collect. They also never respond to my letters. They have no legel right to forclouse on my property the loan was already paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Arbor Residential Mortgage LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have tried several times to get Seneca Mortgage XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX to do a home modification. They gave me the run around and customer service was rude. After submitting all the documents they requested they had already set a foreclose date on property. This was while I working with XXXX and they still did not help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed