BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-05
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
My sister saw an article in XXXX magazine and recommended that I contact you in hope that you can resolve a financial issue with Sear 's credit card company, Citibank. 
Due to an illness, I fell behind in making my monthly payments on my Sears Card to Citibank. Citibank charged me monthly late fees, interest and high minimum payments due that I could not possibly pay. At which point, I stopped trying to make payments that I could not possibly afford and Citibank stopped sending me statements even though my address and phone number have not changed. I 've attached the statements and noticed that they consistently posted my payments 2 months late which I would think would affect the interest calculations. 
On XX/XX/XXXX, I received a letter from Citibank stating my Sears account had been closed. It also stated it was my responsibility for any balance left on my account which was {$2400.00} at that time. 
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX ( Collection Agency ) offering a reduced settlement. I was still not financially able to pay the offered amount. 
In XX/XX/XXXX, now being financially able to settle the debt ( with family help ), I contacted the collection agency on XXXX XXXX, who told me the account was no longer with them, that they had handed my account back to Citibank. They gave me the phone number ( XXXX ) for Citibank to contact. I attempted to do so XXXX ( on XXXX XXXX and XXXX ) but got the run around. No one there would assist me. 
After those unsuccessful calls, I contacted an attorney who advised me to write to them ( copy enclosed ) offering them a payoff. I offered {$1500.00}, the amount that the collection agency proposed previously. I sent the letter certified, return receipt requested on XX/XX/XXXX which was received by them on XX/XX/XXXX. To date, I have not received any response or further communication from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: CITIBANK, N.A.
State: NV
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
I received a deposit of {$50.00} from XXXX XXXX on XXXX/XXXX/2015. I spent a total of XXXX off the card on XXXX at XXXX. I go to the store to make a {$7.00} purchase and my card declined yet i still had a XXXX balance. I called them up they said it was a business/company error my money would be back on the card at XXXX. XXXX comes my money is not there, i call again at XXXX on XXXX/XXXX/2015 they then tell me its my fault and i have to wait 8 days to get my money back. I am so fed up with speaking to these people. How can they just take my money and get away with it. I spoke to a guy name XXXX he claim he was corporate, but there was nothing that he could do. I have to wait 8 days. That money was to be used for bus fare for me to get to work until i got paid I have not been able to go to work or eat because of this situation. It 's not fair. They should not be able to just take my money and not put it back on the card. I do n't understand that. They did the same thing with my girlfriends card but put her money back on the card at XXXX. Please help with this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: Netspend Corporation
State: VA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
IRS says my funds were released on XXXX/XXXX/16 to my Netspend account that I 've had for years. A couple days go by and I still do not have my funds. When I call customer service it 's always someone Foreign who I can never understand. They tell me I need to check with IRS about my money. I should n't have to check with them when my direct deposit is with Netspend!! So I get on Netspend page on XXXX and seems like everyone is having the same issue. People opting for the Netspend card when they filed their taxes and no money. Turns out that Netspend has rejected everyone 's tax refund and now IRS will be mailing out a check on XXXX/XXXX/16. I had plans to move my family on a certain date now I ca n't thanks to Netspend not giving me the money that I have earned. They keep lying on their page instead of telling people the real truth on where their money is. The customer service sucks and they do not care about their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We bought our house XX/XX/XXXX in benefit of our family. we have XXXX daughters and my older mother living with us. We purchased the home with a big down payment and using our savings to fix it. Due to the economy crisis I lost my job and my wife took over all responsibilities. I was sick and XXXX. XXXX owned my loan and we asked for help to modify my loan. I was approved for Loan Modification HAMP TPP TRIAL PROGRAM. XXXX TOLD ME TO CONTINUE MAKING MY PAYMENTS WITHOUT SKIPPING ANY PAYMENTS. I continued making my payments every month but they continue asking for the same documents over and over. every month I asked them when will I get my final approval the answer was they were waiting for another department to finalized the paperwork and they will send my final approval by mail. after a year XXXX TRANSFERRED OR SOLD MY LOAN TO PENNYMAC BANK without asking me or telling me anything. It was until maybe 2 months later when I received a letter from PENNYMAC BANK SAYING THAT THEY WERE MY NEW LENDER. 
THIS IS A BREACH OF CONTRACT. PENNYMAC BANK SAID THEY COULDNT PROCESS MY PAYMENTS AND I HAVE TO START ALL OVER AGAIN!!!. 
THEY SAID THEY COULD N'T HONOR MY PAYMENTS BECAUSE THEY DIDNT HAVE MY FILE. XXXX INTENTIONALLY SOLD THE LOAN TO PENNYMAC BANK AND NOW THEY DO N'T WANT TO PROCESS THE LOAN MODIFICATION. AFTER ALL We continue communicating with PENNYMAC BANK looking for more options to avoid losing our house. We tried asking for help and they were sending us misleading information by mail to apply for their programs but we were declined all the time, we tried XXXX program but PENNYMAC BANK did n't want to participate on their programs. it has been very stressful situation and severe emotional distress due to their actions and negligence on the law. These banks abuse the borrowers right as a Lenders and they do unfair business practices. 
PENNYMAC BANK MOVED IN TO A FORECLOSURE PROCEDURE without trying to honor a Loan Modification. they continue charging us late fees and legal fees on top the the NEGATIVE LOAN BALANCE THAT WE ALREADY HAVE ACCUMULATING IN TO MY LOAN AMOUNT. CITIMORTGAGE AS WELL PENNYMAC BANK ARE FULLY RESPONSIBLE OF THIS SITUATION DUE TO THE BAD AND ILLEGAL PRACTICES. PENNYMAC SHOULD KNOW THAT WE WERE ALREADY APPROVED FOR SEVERAL MONTHS BEFORE THEY ACQUIRED MY LOAN. 
On or about XX/XX/XXXX the filed an NOD they were supposed to contacted me as a borrower and explore options and avoid foreclosure but they did n't. I tried to avoid foreclosure all the time and I will continue fighting for my legal rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27
Company: Southern Management Systems Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, I asked Southern Management Systems to validate a debt I supposedly owe them, but they did not properly validate the debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act. As part of validating this debt, I asked for an agreement with your client that grants you the authority to collect on this alleged debt, agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor, any insurance claims been made by any creditor regarding this account, any Judgments obtained by any creditor regarding this account, name and address of alleged creditor, name on file of alleged debtor, alleged account number, address on file for alleged debtor, amount of alleged debt, date this alleged debt became payable, date of original charge off or delinquency, verification that this debt was assigned or sold to collector, complete accounting of alleged debt, commission for debt collector if collection efforts are successful. Southern Management Systems failed to provide me with these documents along with an agreement with my signature stating that I agree to pay them any money. Also, the letter I was sent has two different names and an unknown address on it making this debt invalidated and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Penny Mac consistently misapplies my payments. I generally pay more than the minimum. They apply it all to principal, add late fees, call me for payment, when the full amount+ is always sent in WAY before the due date. Then I have to spend too much time on the phone getting fees reversed and explaining to them how to apply the payment correctly. If it didn ; t cost me money, I would switch companies in a heartbeat.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for a loan modification but the loan servicer denial my request so I applied for a short sale and submitted a offer on XXXX/XXXX/XXXX and caliber would not accept the offer, so they order a BPO on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to determine the value and it was valued at {$330000.00}, so we submitted a offer cash of {$370000.00} which is much higher then its worth but now caliber is saying its too late to continue with the short sale and the sale is set for XXXX/XXXX/XXXX, this whole thing is crazy we give them a higher offer and this is the thanks that we get, caliber clearly wants to foreclose on my property and that is a fact, someone in your office needs to look into this matter, we have also filed a complaint with the attorney general office of CA .can someone please HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
I received an offer for a Balance transfer at no interest for 19 months with a 1 % upfront fee from Comenity Bank with which I had an existing account. 

I took them up on the offer and had {$1000.00} transferred two times to another card. For the third transfer ( to the same card as the prior XXXX transfers ) I arranged for a {$7000.00} balance transfer, Comenity accepted the transfer request, however they then refused to complete the transaction by only vaguely stating that there was a " processing error ''. 
I spoke with at least XXXX people at this bank including XXXX supervisors and asked that they clear up the " processing error '' and abide the agreement. 

They refuse to live up to a valid offer and acceptance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-04
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX my husband and I filed for Chapter XXXX Bankruptcy. We had a 5 year plan and paid our trustee on time, never late for 5 years. We were discharged XX/XX/XXXX While in the bankruptcy we filed for a loan modification with our lender XXXX. After several months we were approved for a lower payment XXXX XXXX to XXXX ) and our account was brought current. We had to get this modification approved by our trustee..which we did. XX/XX/XXXX our loan was transferred to Caliber Home loans, who recognized and accepted our new payment amount of XXXX. However, they failed to bring the account current, without our knowledge. Prior to our case being discharged, Caliber was sent a letter to notify the courts and trustee if there were any errors as we were due to be discharged. They did not respond. Our bankruptcy was discharged free and clear of any past due amounts. XX/XX/XXXX, Caliber contacted us and said we were XXXX behind and threatened to foreclose. They made us do a repayment plan to get caught us and NEVER HONORED OR RECOGNIZED THE modification to bring the account current, although we provided documentation. We have been struggling for11 months making double and triple payments on money that was not even due or owed. We want to keep our home and feel that Caliber did not honor what was approved by the courts and they failed to comply with the rules that a debtor needs to be notified prior to discharge of any discrepancy. We have suffered an enormous amount of stress and agony just to ensure we are back on track not to mention the house is over XXXX over the amount it is worth. In addition, Caliber has reported late payments the entire time we have been with them even in the bankruptcy which I thought was against the law

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
First I recieved a phone call from someone who said I was being sued over a debt I had and to call this phone number he gave me to talk tomsomeone regarding this debt. I called the number he gave me and spoke with a guy XXXX XXXX he said I was being sued for a bon ton credit card i had 15 years ago in the amount of around XXXX but i could settle this debt now and not be sued if I paid somewhere around XXXX dollars. I was freaking out I told him I did not have XXXX dollars, he told he if I gave him so much down and then i could give him the rest later. I had to give him a date I would b able to give him the rest. He said he sent me letter saying I was going to be sued but i never recieved them. Well when I looked at my bank statement the XXXX dollar payment was made to a company called XXXX in California. My wife did some research and found people online were being scammed in the same way I was being scammed. So I called XXXX and told him I was afraid I was being scammed and he said he would send me a statement, saying what I owed and other information, by email. I got the email and at the top it said his company name which is XXXX and XXXX. My wife immeadately looked them up online and nothing came up. So I called the bon ton they said they didnt have any record of my account and that the statue if limitations would have ran out on my credit card and that they couldnt come after me 17 years later for this debt. She said to look up my credit score and if there was something u owed it would b on there. So did that and there was nothing. I called XXXX back and asked him about the statue of limitations thing and he said well u made a payment on this acct a while back. I know for a fact that I have never made a payment on this card since the last one I made 15 years ago. I told him I was n't going to pay him anymore money. He said he was going to sue me. I was XXXX in my youth and made mistakes I 'm still paying, in bad credit, for, but these guys are taking advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
BACK IN XX/XX/XXXX I WENT TO XXXX XXXX AND WAS TOLD TO APPLY FOR XXXX TO COVER THE ER BILL I HAD A XXXX, I DID AND WHEN I GOT THE BILL I CALLED GAVE THEM THE XXXX NUMBER TO TAKE CARE OF THE BILL AND NEVER HEARD ANOTHER WORD THEN XXXX XXXX XXXX XXXX PA REPORTED TO THE CREDIT AGENCIES I DISPUTED IT AND IT CAME OFF AS WELL I CALLED AND THEY SAID THERE WAS AN ERROR THAT THEY DIDNT HAVE THE DEBT. THEY CLEARED THE COLLECTIONS OFF OF MY CREDIT, THEN ON XX/XX/XXXX AND AGAIN ON XX/XX/XXXX THE LAW OFFICES OF MITCHELL D STARTED REPORTING IT. I CALLED THEM AND EXPLAINED TO THEM EVERYTHING AND THEY SAID THERE WAS NOTHING THEY COULD DO AND HAD NO INFORMATION ON THE EVENT EXCEPT THAT I OWED XXXX. AND REFUSED TO LET ME TALK TO SOMEONE THAT COULD HELP REFFERRED ME TO THE PATIENT ADVOCATE DEPT WHICH I HAVE CALLED EVERYDAY SINCE I SPOKE TO THEM AND YET TO HAVE SOMEONE ANSWER THE NUMBER THEY PROVIDED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On or about XXXX XXXX of this year, I spoke with a " Service Representative '' at the 'Main Office ' at PNC Bank in XXXX , Pa . I had called because I saw a pending payment to XXXX XXXX XXXX Co . I requested a 'stop payment ' because no application should have been submitted to them. I was told that I would need to file a 'dispute. ' I asked if she would do it? She replied that she would. I, also, requested a stop payment on any request coming from " XXXX XXXX '' and, and, again she said yes. 
However, both requests were ignored and PNC paid both and, immediately, begin charging me overdraft fees which totaled over {$100.00} for the month of XXXX 2016. 
On XXXX XXXX, 2016, I asked the 'Representative to transferred {$900.00} from savings to checking to cover overdrafts and 'accounts payable. ' To my surprise, when I checked my balance that afternoon on the same day, my 'personal checking ' showed a negative balance of {$840.00}. The teller at the " XXXX XXXX '' located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD. corrected the and I had a balance of {$58.00}. But, on XXXX/XXXX/16, I, again, checked my balance and had a negative amount of {$110.00}. 
I want PNC Bank to return to me all the monies owed me for overdrafts and fees which should not have been charged My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , MD. XXXX. Home Phone is XXXX. My cell is XXXX My 'personal account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Aqua Finance, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
We went through a copy called XXXX XXXX XXXX for a pool loan. The total cost of the project was {$50000.00}. We did not have all of the funds and only needed a loan for {$15000.00}. When we started the process we were told it was unsecured and nothing will be attached to the property. 
XXXX sold the loan to Aqua Finance which is who I signed all of the loan papers with. I read the loan documents before I signed and nowhere did it say it they would file anything against my property via a lien or a XXXX filing. 
I am refinancing my home and was told they filed a XXXX on my whole property. I was concerned and called Aqua to see what was going on. I was told that 's what they do and have been doing that for ever. I asked them where in the contract I signed, it stated that they were filing a UCC on my property. They referred me to a section of the contract under Additional Provisions ( B. ) Security Interest. I read it and know where under that section did it say they were filing anything against the property. 
I spoke with XXXX XXXX Collection Manager for Aqua and he sent me the same document saying the same thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: SQUARETWO FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX sent a " dunning '' letter to consumer dated XX/XX/XXXX on law firm letterhead which violates the Fair Debt Collections Practices Act ( " FDCPA '' ) 15 U.S.C. 15 Section 1692e and 1692f. The law firm commits a number of violations in the letter. The XXXX XXXX notes that " dunning '' letters ( sent on law firm letterhead ) that contain offers to settle 'time-barred ' debt misleads unsophisticated consumers as to the legal status of the debt and violates the FDCPA. Consumer recognizes the debt XXXX XXXX XXXX is attempting to collect is over Nebraska 's 4 year statute-of-limitations ( SOL ) law for debt collection. Consumer does not wish continued communication with XXXX XXXX XXXX after this formal ( dispute ) complaint is lodged with the CFPB as the complaint will be tendered as evidence in a court proceeding if necessary. Consumer makes known that - if an agency ( or law firm ) incorporates the use of form collection demands on attorney letterhead the agency ( or law firm ) MUST incorporate " meaningful attorney involvement '' into its collection process ; 15 U.S.C. Section 1692e and XXXX vs Law Offices of XXXX XXXX XXXX XXXX XXXX, No. XXXX. XX/XX/XXXX - XXXX XXXX XXXX. If XXXX does not cease contact with Consumer by mail/phone/email consumer will file a state and federal lawsuit against the entity for violations of the FDCPA, FCRA and TCPA. Consumer thanks the Consumer Financial Protection Bureau ( CFPB ) for providing this venue as a viable avenue of documentation and mediation. It is greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12
Company: CITIBANK, N.A.
State: IL
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:
I sent a letter to MACYSDSNB letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and MACYSDSNB refuses to delete the fraudulent accounts from my credit report stating in a letter its verified MACYSDSNB provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

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