BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-18
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX, XXXX Consumer Financial Protection Bureau ( CFPB ) Dear Sir or Madam : Please see attached for the full details along with previous case/complaint number XXXX. 
As indicated in the initial dispute filed against XXXX in XXXX XXXX and in the subsequent letter in XXXX XXXX, this XXXX/XXXX account was requested to be closed in XXXX XXXX and a final bill was never issued although repeated attempts to obtain final bill were made. XXXX has been contacted via the telephone and in writing numerous times. XXXX/XXXX continues to be uncooperative. 
XXXX/XXXX admitted to sending personal, private, financial information to the wrong address and some unknown email address for over nine months. They also admit to allowing someone to gain access to this private account information online for over nine months. XXXX refused to provide the incorrect address or the incorrect email address without a court order ; however, their collection agency, XXXX, XXXX, and XXXX, XXXX provided the incorrect address. This incorrect address is now appearing on the customer 's credit report with all XXXX credit bureau agencies. While the incorrect email address is still unknown, the incorrect address is : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX refuses to issues invoices to the correct address and refuses to accept responsibility for their actions. They reported incorrect information to XXXX different credit reporting agencies which is still in the process of being resolved well over a year later. They have caused a lot of unnecessary delays and issues. They continue to harass us with various collection agencies, including the latest agency, XXXX XXXX XXXX. 
First, this account should not be in a collection status. Any and all issues are XXXX 's fault not ours. Secondly, we have called XXXX - many different departments within their organization - to no avail. We 're not calling them anymore. At this point, everything needs to be in writing.

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 2016-11-17
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: APR or interest rate

Complaint:
The Home Depot offers consumer credit cards which are serviced through Citibank ( citiretailservices ). They periodically offer extended terms offers of no interest for six, twelve, eighteen, or twenty-four months on purchases of various amounts. I find that the deferred interest charges are being accumulated in an amount that exceeds the rate that is in the account agreement and that appears on the monthly statement. 
On my XXXX/XXXX/2016 statement, the deferred interest charges increased by {$23.00} on the {$1100.00} promotional balance and by {$61.00} on the {$2400.00} promotional balance. When I calculate the 30 days interest at the published 25.99 % rate, I get {$22.00} and {$52.00}, respectively. 
I am attaching copies of the XXXX/XXXX/2016 and XXXX/XXXX/2016 statements.

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 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
They made it extremely difficult to be signed up for income driven repayment. Even though XXXX XXXX approved mine with the same documentation, Navient kept requesting more and more and trying to hold off on signing me up. I had to yhreaten to call the attorney general to get anything done!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
My credit card with Citi Bank Advantage was set up to automatically pay in full each month. This past month I moved, causing me to have more expenses than usual. I went online a few weeks prior to my payment due date and change the auto pay amount to {$500.00}. On XXXX/XXXX/16 Citi Bank took the full amount of {$4100.00}. I called on XX/XX/XXXX and was told that the monies would be deposited back in my checking account on XX/XX/XXXX or XX/XX/XXXX. It was not, I called again on XXXX and was told that it would be done on XX/XX/XXXX or XX/XX/XXXX. As of today the funds have not been refunded. Now they are telling me it should be done by the end of the week. So far I have incurred {$100.00} in overdraft protection fees. I really need this money to pay all my normal + moving expenses.

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 2016-08-29
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
First, I have XXXX mortgages, a XXXX with XXXX and a XXXX with CitiMortage. In XXXX, I requested a mortgage modification for both mortgages due to a fraudulent appraisal by XXXX XXXX in XXXX. In XXXX, XXXX Mortgage reduced our XXXX mortgage by {$220000.00} due to this over appraisal by XXXX. XXXX XXXX sent us a XXXX form XXXX, Cancellation of Debt in this same amount ( this form is available for review ). In XXXX, I contacted CitiMortgage to request the same percentage amount reduction of our XXXX mortgage for the same reason and never heard a word from CitiMortgage. CitiMortgae did reduce the interest on the loan. However, on XX/XX/XXXX, CitiMortgage wrote a letter outlining their increase in the interest from 1 % to 4.5 % and a payment increase from {$190.00} to {$270.00}. On XXXX XXXX, I sent CitiMortgage, by Certified Mail, a letter outlining that we are both retired and living of social security and a small state employee pension and would be unable to make this increase. I also attached a copy of the XXXX form XXXX, Cancellation of Debt from XXXX XXXX in the amount of {$220000.00} on the XXXX mortgage and requested the same percentage reduction of the CitiMortgage XXXX mortgage, due to XXXX 's over appraisal when the sold CitiMortgage the loan. In that letter, I ask CitiMortgage to please respond to our request within 10 days from the Certified Mail letter dated XXXX XXXX, XXXX. That letter is also available for review at any time, with Certified Mail Receipt. Here 's my complaint ; If XXXX Mortgage consented to reduce their XXXX mortgage by {$220000.00} due to the property being over appraised by XXXX XXXX, then CitiMortgage should be responsible to make the same percentage reduction for their XXXX mortgage. In the XXXX lawsuit against XXXX Mortgage, they were convicted for fraudulent appraisals and lending practices and our over appraised mortgage was sold to CitiMortgage. At XXXX years old and unable to work, we have listed the home to sale twice and real estate agents the home will not sell for the over appraised mortgage amount. Please advise and we look forward to your response. Thanks is advance for your consideration in this 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 2017-01-24
Company: CITIBANK, N.A.
State: TX
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:
THIS AMT OWED {$8800.00} WAS TO BE PAID UNDER XXXX INSURANCE, WHICH I PURCHASED AND WAS PAYING FOR, AT THE TIME I REQUESTED THE LOAN. XX/XX/XXXX, I WENT OUT ON PERMANENT XXXX AND HAVE BEEN RECEIVING BENEFITS FROM SOCIAL SECURITY SINCE XX/XX/XXXX. THE LOAN COMPANY WAS NOTIFIED OF MY XXXX AND THEY WERE SUPPOSED TO SUBMIT A CLAIM FOR THEIR MONIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: CITIBANK, N.A.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage terms require monthly payments as of the first of the month, but allows a grace period without penalty through the XXXX of the month. For 12 years I have generally made payments no later than the XXXX of the month. In the last 3 months, CitiMortgage has used auto dialers which call between XXXX times a day leaving empty voicemails every time starting on the XXXX of the month until 2 days after my payment has posted. The calls start at XXXX and continue until 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 2016-01-04
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Without Notice Citicard expired {$300000.00} worth of " Thank You '' points on my credit card account. I have paid my bill in full for over 20 years. 2012 I had over XXXX points and then come XXXX XXXX without notice they started expiring them. Since 2012 I continued to earn points racking up another {$200000.00} worth of points. I learned this pas Sunday that instead of the over XXXX points they owed me I had only XXXX points because that had expired XXXX points. Never on any credit card statement was I given notice the points were going to expire. Never was I sent a letter that the points were going to expire. Up to XXXX 2012 they never expired. But then they started taking them away. I have waited to reach enough points to take my family to XXXX and now that dream has been dashed by Citibank 's fraudulent methods. These were called " Thank You '' points. After being a customer over 20 years this is XXXX away to say Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is regarding a Costco AMEX card balance that was transferred to Costco CITI without my knowledge and consent. I did not asked for a new Costco CITI card and I did not applied for a Costco CITI card. I never got a written notice that this was going to happen automatically and have not received a Costco CITI card. As a result of this error in collection that was amounted to {$250.00}, my XXXX score dropped from 825 to 688 and continue going down. I had loss opportunities of seeking new credits such as mortgages, auto loans, or personal financing. Loss opportunity in getting jobs due to XXXX drop. Many others damages that is without end to name. I have tried to resolved this issue with CITI collection without any end resolved. Please help me correct this bank predatory behavior. Thank you ACH.

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 2016-10-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have had a Best Buy credit card for a number of years. I have only used it a few times over the course of several years. I have it set up on autopay and I do n't receive a paper statement so I do n't check the account regularly, as there is no need. Recently I logged into my account and was going to pay off the card when I noticed that despite my monthly payment, the balance has not changed that much. I began to look at my statements and noticed a charge every month for Debt protection. I called customer service to inquire about this charge and was told that it was added to my account in 2004. I informed the representative that I DID NOT authorize or sign up for this. They processed my request to cancel this from my account. I also requested a full refund of all the fees including interest that I have been charged over the course of the last 12 YEARS!!! I received a letter in the mail confirming that this debt protection had been cancelled and that they were crediting my account for 3 months of charges as a " courtesy ''. This is unacceptable. How can they get away with fraudulently signing consumers up for programs they did not authorize? I demand a full refund of the unauthorized fees and any interest charges that accumulated because of this.

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 2017-04-28
Company: Perfection Collection
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sign ed into a one year contract ( with my husband ) with a security system company knowing that I was moving in a year. I specifically told the sale sman that. After refusal to give me a copy of the contract and being told I would be emailed it I assumed all was alright.. After a year of having the service and letting the company know that I would be moving, thanking them for their service and that I would not be renewing my contract with them they told me that I had sig ned a 5 yr co ntract initially and that I needed to pay ove r 4,000 to  get out of the contract. They were rude and demanding. They told me to look at the contract and I told them I never received a contract. They then sent me the contract and I saw where the salesman had forged the contract and circled the 5 years part of the contract. I informed them that I never would 've ever signed anything that was over a year and that he forged it after he left the house which is why he did n't leave me a copy. She even said that the salesreps are known for that. The contract was signed on  XXXX / XXXX /  XXXX  . I was contacted  XXXX  that a collection company was trying to collect the  XXXX  and threatening me with a lawsuit and telling me that they would never stop trying to collect. I have tried to get the collection removed from the credit bureaus by disputing the item to no avail. It is keeping me from purchasing a home loan at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: CITIBANK, N.A.
State: NM
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
i opened a line of credit with them. they immedeatly froze my line of credit and never once allowed me to draw on my line. i have complained constantly to them 3-4 times a year for me to access my line. they continued to deny my access to my line of credit. they continued to stall me year after year and denied me access now they are saying my line is in the payback period and that i have to reapply

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 2022-10-18
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
The original creditor is XXXX XXXX XXXX, which sold the account to LVNV Funding. I was successfully sued by the creditor as the creditor filed a lawsuit in a jurisdiction where I do not live using an address where I do not reside. According to 15 U.S.C. 1692i, this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The buyers did an appraisal with XXXX XXXX. XXXX on XXXX/XXXX/2015 and the Opinion of value was at {$96000.00}. The Investor ( XXXX ) did an appraisal and stated that the home is worth {$110000.00}. How can the appraisal be a difference of {$17000.00}. Below is the note that I received from Fannie Mae : '' The current offer does not meet the requirements being demanded by the investor. The investor is demanding XXXX with a net requirement of {$99000.00} ( see attached hud line XXXX ). The buyer appraisal is only XXXX which the buyer is willing to pay and as reflected on the hud would require a cash contribution in amount of {$16000.00} from you, see line XXXX of the hud ''.

Company response to consumer: Closed
Consumer complaint received 2016-01-29
Company: Tri-State Adjustments, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My purchase of a XXXX machine and supplies in XXXX of XXXX, was billed as a rental by mistake. While waiting for the error to be corrected, I paid {$600.00} towards the bill as I knew I owed something, but I thought it was less than the amount I paid. I thought I would receive a refund. Even though the mistake was corrected to reflect a purchase, the company and the billing partners are still attempting to bill me for amounts I do not owe. In XXXX of XXXX, one of the billing partners refunded the {$600.00}. Then I paid {$69.00} for the XXXX machine and supplies. That should have ended the matter, but one of the billing partners sent the matter to collections. I do n't owe anything further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
between the months of XXXX XXXX and XXXX XXXX, my mortgage principle balance has gone up XXXX ... why? every month I see " other charges '' of anywhere between $ XXXX {$800.00} but never an explanation as to what these " other charges '' are. I 've also asked for a copy of the initial documents I signed detailing all the charges and particulars of my loan. I 'm told Seterus does not have them so oh well ... no documents for me and no way to know if what they are charging is within the detailed loan specifications or not. How can they just create charges with no type of explanation at all. Most of the loan agents are curtious but really know very little pertaining to your loan at all. Some of the agents are just straight up bullies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I already have submitted a complaint. I am writing further to inform you that the Franchise Tax Board, State of California, has recorded a Lien against my property. This means any sale, transfer or rental is illegal. Pass it on to the subject ( s ) of my complaint. I have no mortgage, nor have I had one ever with Ocwen Loans, or any of the other parties so connected. I am the registered, Deeded owner, and I have sent documents to illustrate this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Included my mortgage in bankruptcy chapter XXXX in XXXX of XX/XX/2008. Sent paperwork to Ocwen showing this was included. This was a joint account with my former husband. They are reporting my account late every month and XXXX days late. This should not be reported at all. It is due to come off my reports in XXXX but this has caused me hardship on my credit file. They have n't to my paperwork or acknowledge it since I sent it in to them. Please help me. This is against the stay of the bankruptcy courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm writing you to request some assistants and file a complaint on the referenced above loan. Ocwen closed out the short sale on XXXX/XXXX/16 and sent us a decline letter ( please see attached ). 

1 ) They never countered us to see if the buyer is willing to go up in their offer or advised us of the reason for the decline. Other than closing it out and email us a letter. As per short sale protocol you are supposed to contact us and let us know and give us at-least 24-48 HRS to respond back so we can counter the buyer. We were never advised or done. 

2 ) We ordered an Interior BPO on XXXX/XXXX/16 to be completed on the property. We never were contacted for access to get into the property. Which means it was never completed or done. 

3 ) The BPO they are going off of was only a drive by. ( which did not take into consideration that the property is mostly Wetland and the home needs to be torn down and rebuilt. NO ONE Should be living in this property. The seller is and is providing for XXXX kids and is unable to bring the account current or have the funding to relocate. 

4 ) Ocwen also denied the relocation incentive for the seller because they advised that the investor does n't pay for relocation assistants. The investor is XXXX XXXX XXXX Bank which is a lender that we work with all the time and they have always paid the relocation assistants. I have asked Ocwen several times for the investors phone number so I can confirm this and they still have given us the phone number to verify this. 

5 ) With the mentioned drive by BPO that was completed, it was never addressed or states the XXXX of the Acres on the property are wetland and are UN-build-able ( please see documents attached ) XXXX ) There is a foreclosure sale date set on the property for XXXX/XXXX/16 which is very concerning since we are trying to proceed with the short sale of the home. 

7 ) Buyers inspection, bids, comps are all attached too. 
With this being said the offer that we have on the property is a good offer since the home needs to be torn down and rebuilt, along with XXXX % of the property is UN-build-able and has to stay as wetland. 

Please help us postpone the foreclosure set on the property, along with reviewing the proof and documents attached. Please contact at your earliest convenience to talk about these issues that were addressed and assists us in a resolution to our concerns and complaint. We are in the office XXXX-XXXX PT. Thank you for your understand and assistants. We hope to hear from you soon!

Company response to consumer: Closed with explanation