BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-11
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/XXXX I opened a Brandsource credit card from Citibank, XXXX with 0 % APR for the first 12- month period and paid the balance in full on XXXX/XXXX/XXXX before the 12- month period expiration date of XXXX/XXXX/XXXX. I made total payments of {$1200.00} for an actual purchase amount of {$1000.00}. I have all copies of the paid checks and statements from the company. 
Unfortunately, I was shocked to receive a a bill for {$530.00} from a collection agency Named XXXX XXXX XXXX, XXXX. 
I have complained to both the creditor and the collection agency and have not received a response from neither XXXX. 
Copies of all documents, paid checks and statements were sent for both the creditor and the collection agency for verification of full payment of the account. 
I would like to file a complaint with your department.

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 2016-06-17
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please note that I have done everything humanly possible to SAVE MYHOME! The last straw happened today XX/XX/2016. I feel as if my case could 've been finished sooner if the bank would 've communicated internally to find my checks. I CALLED AND PROVIDED PLENTY OF INFORMATION REGARDING CHECK NUMBERS, CHECK AMOUNTS AND THE ADDRESS THE CHECK WAS SENT TO AND I WAS INFORMED THAT MY CHECKS WOULD LIKELY BE SHREDDED AND IT WOULD TAKE LESS TIME TO PLACE A HOLD ON THE CHECKS AND RESUBMIT!! I did as I was instructed and they will not check for the location of the checks or take my payment of {$250.00}. This has ruled me out of a modification. Here is what happened. I had XXXX checks sent to Citimortgage XXXX in the amount of {$5000.00} and another in the amount of {$470.00} the check numbers were as follows {$5000.00} and XXXX in the amount of XXXX both checks were mailed on Saturday XXXX XXXX. On Monday I contacted Citimortgage to see if they received the check and they did n't so I called everyday and I provided them with the check numbers and the address it was sent to I was not informed that my checks would be scanned and shredded if they arrived at the corresponding address XXXX XXXX XXXX until after I spoke to my Counselor for our scheduled conversation on XX/XX/2016. I was under the impression that it would be simple for Citimortgage to communicate with the correspondence unit about my check information and then process the checks. Once I spoke to XXXX XXXX I was told that it would not be a simple process and it could take up to 2 weeks if the documents were not shredded. As per her directive I had the checks cancelled and reissued again. The new check numbers are as follows XXXX in the amount of {$5000.00} and XXXX {$440.00}. I also called to inform Citimortgage that the checks we 're mailed out and that I used the new address that a rep and counselor gave me. I thought they could trace the checks to tell me exactly were they were. But no, I was told that they did n't get the check and they would contact the advocate department. Also no customer service rep would take my debit payment of {$250.00} dollars until they processed the missing checks. This is terrible and I have been taken advantage of once again. These XXXX checks will make my trial payments total to close to over {$16000.00} Although it 's clear that I have accurate info they will note contact staff members with the check numbers to process documentation. I am XXXX afraid of what will happen to my home. To make matters worse I was not given an appointment to speak to my counselor until after my deadline. This means XXXX checks were sent and an outside trace shows the first set of checks being delivered to the post office. PLEASE HELP ME!! These checks that have been sent and have traceable I information are about to make ME HOMELESS!!

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 2017-02-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
For the second time now, I paid my Macy 's credit card in full and had a {$1.00} balance the following month. After the first time, I called and they said that this was interest from when I paid the payment to when the payment was due. This second time, I specifically called them and verified that the balance that I was paying was the absolute total that I owe. They confirmed on the phone. I then receive a {$1.00} bill the next month for supposed interest.

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 2016-09-20
Company: CITIBANK, N.A.
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX ( serviced by XXXX XXXX XXXX ) purchased a debt that originated with Citibank South Dakota. Citibank South Dakota was merged with Citibank NA as of XXXX/XXXX/XXXX - coincidently the same time period that the debt shows as being charged off ( XXXX/XXXX/XXXX ). My XXXX report dated XXXX/XXXX/XXXX shows the account being reported with XXXX will fall off on XXXX and XXXX XXXX it shows it will be on my report until XXXX. This debt had a 1st delinquency date in early XXXX, with a charge off date with Citibank South Dakota much earlier than when reported by Citibank NA. I disagreed with the balance that XXXX is reporting, in addition to the dates provided on the reports. I have disputed this debt with all three credit bureaus XXXX, XXXX and XXXX XXXX, not once but twice, with the credit bureaus responding that the debt has been researched and no changes to the report. Then on XXXX/XXXX/XXXX, a new merged credit report was pulled showing all XXXX credit bureaus - the XXXX debt is now reflecting a last delinquent date of XXXX, a last payment date of XXXX, and a last activity as of XXXX. This is completely different information that was being previously reported and/or what is reflected on their letter they provided to me. It appears that they are trying to re-set the date - or at the very most change the time period of how long it will continue to be reported on my credit bureaus. I have attached copies of all documents mentioned in this complaint. I would like XXXX to report correct information to all XXXX credit bureaus, or remove the debt from immediately from all XXXX reports. Thank you for your assistance

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 2016-03-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I am writing to dispute a billing error in the amount of {$0.00} dollars on my account. The amount is inaccurate because, I returned a dress and Macys did n't credit my account. I was charged late fees because according to them I had a balance. When I called them they did n't help me. I was unemployed at the time due to the fact that I was fired during my maternity leave. Due to my post partum situation my doctor said not to deal with that because it was too much stress. Macys violated my rights by ignoring my request to correct the accounting error, and refunding the item on my Macys Credit Card. This would have made my account at a XXXX Balance and not resulting in any payment due. Now Macy 's continue to report negative errors to the Credit Bureau 's. I have tried to call them meny times they have poor customer service. If they would the actually time and look at their bill statement they would see the error.

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 2015-08-02
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
None of the loan servicers/mortgage owners have produced one stitch of documentation, original or otherwise, regarding my mortgage. Currently, I am being bombarded by Ocwen Loan Servicing. They send me notices about everything in the world, except some acceptable resolution. Now that the real estate market has improved, they simply want the property for purely their own benefit. I was caught in a downward spiral as a result of the financial crisis. I have recovered somewhat, but these people refuse to even enter into a dialogue. Any assistance you are able to extend, would be welcome. I am XXXX years old, and find it difficult to fight a large financial institution, by myself. My E-mail address is : XXXXXXXXXXXX. Thank you in advance!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My transfer has not been available as promised according to my receipt since the XXXX of this month. I filed a complaint with money gram today since the receiver could not again pickup the transfer and XXXX XXXX from money gram wrote stating it was placed on hold without my consent. Online reference number XXXX. So I filed another complaint Online reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I contacted them to work on a resolution, and at that time advised them the only number to reach me at was my personal number, which they had, and asked them to remove a XXXX party 's phone number, which they verified was removed. The following day they called that same number they said they would n't..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-02
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To Whom It May Concern : These people, the IMC Credit Collection Agency refuse to work with me to clear up a debt. I can only afford XXXX per month because I am a senior citizen on a fixed income. They then threatened to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XX/XX/2016 I used Moneygram to send {$300.00} to receiver XXXX XXXX, who was to pick up the {$300.00}. When XXXX tried to pick up money, Moneygram refused to give to him. I dont know why. Something about his I.D . They wanted him to come back to Moneygram. But when I told XXXX this he refused to go back. So I called Moneygram, on XX/XX/2016 and said to cancel transaction and refund my {$300.00}. They refused. They said they need to see XXXX. I told them he refuses to come back. I have written letters to Moneygram refund dept. called many times, only to be told they are still investiggating it. 
It has been 5 months. They transfer me from dept. to dept. and I get same thing, they are still investiating it. I just want {$300.00}. refunded. They can investigate until Kingdom come, but my {$300.00}. is not helping anyone investigate XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: M&T BANK CORPORATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was bought out by M & T Bank XXXX XXXX XXXX XXXX, NY XXXX. I pay my payment through bill pay and it is set up to be delivered to M & T Bank by a certain date. If it arrives XX/XX/XXXX or after they will charge me a late fee according to their statement. They have gotten my payment before XX/XX/XXXX and charged me a late fee on several occasions. I brought this to their attention and they have failed to refund the fees for all of the times they have charged me a late fee when it was n't late, according to their terms. It happens often that they charge the fee regardless. I usually pay my payment between XX/XX/XXXX and XX/XX/XXXX the first years they had the contract, but now since they have been charging me a late fee regardless, and I ca n't get them to stop, I just pay it reluctantly with the late fee as part of my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Atlantic Credit & Finance, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX/XXXX/16 at approximately XXXX a debt collector representing Atlantic Credit and Finance calls a third party ( my brother ) and shares confidential information regarding credit card debt that I allegedly owe to the company. The debt collector asked for contact information regarding me and my place of employment as well as a personal cell phone number. After he received my personal information the debt collector calls me without identifying himself.

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 2015-07-19
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have been asking for assistance from Specialized Loan Servicing for three years now, due to financial hardship. They stopped taking any payments from me since XX/XX/XXXX and have denied me help three times. Last month they started foreclosure proceedings, yet still suggesting I fill out the RMA ( Request for Mortgage Assistance ) a fourth time. A friend gifted me a decent sum of money to bring my HELOC current and start anew. The amount at the time was about {$8900.00}. One month later, last Mon, XX/XX/XXXX, I was given a payoff in the amount of {$9500.00} and change. When I called Wed because $ $ had cleared so that I could pay, I was told that I know owe over {$11000.00}, which of course I do n't have. In one month, SLS increased what they wanted from me by almost {$3000.00}, saying the person ( XXXX, Relationship Mgr ) should n't have given me the figure she did over the phone. I was told there are " other fees '' involved, like escrow fees and fees they paid to start foreclosure. First, my loan is already escrowed with my XXXX, and XXXX, it was their decision to start foreclosure proceedings instead of work with me, so why should I pay for their cruelty when I have been doing nothing but try to work out something with them?! It 's ludicrous what these lenders are allowed to get away with. 
I have a mediator from XXXX County of Consumer and Business Affairs helping me, as I have been struggling with SLS for four years now. I first went to them XX/XX/XXXX when they were going to increase my payments as the draw period ended, as I knew increasing monthly payments would be a hardship. Had they helped me then, when payments were {$200.00} a month, I would not be in this position now. 
Earlier this year, they sent me an offer with higher payments than the $ 300-plus they had increased my payment to, plus had respond dates that were two months past! I was told to send a letter, after a Relationship Counselor agreed that the offer had errors, so that they could rework it. That never happened. They sent me a letter saying they were starting foreclosure proceedings. 
A letter received by XXXX County Consumer & Business Affairs acting on my behalf now says that a letter SLS has sent off to me as a result of a request made to them last week has given me the sum of {$11000.00} to reinstate my loan and stop all foreclosure activity. As days go by, I 'm certain SLS will not hesitate to keep tacking on an exorbitant amount of unnecessary fees, just because they can. It seems they are n't regulated much and the consumer has no recourse, yet if a lawyer got involved, which I can not afford, those fees would be eliminated. In my experience since my loan was sold to SLS, they 're are only in the practice of making as much money off their customers as they can, instead of helping homeowners stay in the homes we worked hard for and deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Specialized Loan Servicing ( SLS ) recently wrote to inform me that I did not provide them with all the documents needed to complete my modification application. This is untrue and follows the pattern of months of having to resend documents multiple times. In fact XXXX of their agents informed me today that the document first thought missing was actually sent by me on XXXX XXXX. As a result of not acknowledging or accessing all available documents for their review, I was informed by an agent today that I have to restart the modification application process. I first started this process with SLS on XXXX XXXX, 2016.

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 2016-04-19
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have submitted a complete short sale file to SLS now multiple times and can not get anyone to work the transaction. The negotiator this file was assigned to dropped the ball multiple time before she left on " leave '' and SLS did n't bother to reassign the transaction to anyone. I have emailed and left a voice message for the CEO trying to escalate my concern with no return correspondence. the first lien was approved and has been closed out twice now because of SLS delays ( they are the XXXX lien holder ). SLS 's phone system does n't allow you to get through to a live body instead it requires you schedule a call back from them. In return they never call you back.

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 2015-04-29
Company: Gold Star Finance, Inc.
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am writing a complaint against Gold Star Finance in XXXX XXXX, TX. I recently sent them a certified Cease and Desist letter with the help of my financial counselor after a hardship I am experiencing that has caused me to default on a loan. I can no longer pay them as I only have {$800.00} a month in Social Security to live off of. This morning I was harassed over the phone from Gold Star Finance & gt ; They stated they were sending someone over to my house. Also when my home health provider tried talking to them over the phone to let them know it was not necessary they threaten to call XXXX on her because they claim I am being abused by her. I am afraid for my safety. My Financial counselor and I made a police report over the phone and this evening an officer will be coming by my home to take the rest of my report against Gold Star. I know I owe them the money however I can not afford to pay them. I was paying them up until last month however because I paid them I fell behind my utilities and had to get assistance through community resources to keep my electricity from being cut off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
There is a serious communication problem on understanding our request for answers. So in attempt for simple answers this is an easy YES OR NO selection to the following questions : DO YOU -- -- -SPECIALIZED LOAN SERVICING FOR BANK XXXX HAVE THE REAL ORIGINAL LOAN AGREEMENT ( NO COPY )? YES OR NO? IS THERE A LOCATION TO WHERE WE CAN GO TO SEE THE ORIGINAL LOAN AGREEMENT IN PERSON? YES OR NO? This is very simple to answer can anyone at Specialize Loan Servicing understand these requests? YES OR NO?

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 2015-07-23
Company: Northstar Location Services, LLC
State: PA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The debt collector called my mother 's best friend asking for myself or my mother XXXX the co-signer ) and identified that she was calling to collect a debt. The same debt collector left a voice mail on my mother in law 's phone ( she had no previous knowledge of my debt as the loans were taken out before I was married ). This voice mail said the name of the collection agency as well as that it was " an attempt to collect a debt ''. She also called my stepmother and told her the same thing- that she was calling to collect on my student loan debt, that she also was not aware of.

Company response to consumer: Closed
Consumer complaint received 2015-10-26
Company: CarMax, Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was sold a lemon. Battery keeps getting killed off. XXXX will not fix the issue claiming I do not drive the car enough. There is a more serious problem going on. This in addition to fuel system pressure issues caused by faulty design of gas flapper. Even carmax corporate is giving me XXXX and refuses to deal with the situation. Not to mention the car to loan value is XXXX. USED cars are being sold for more than they are worth, and multiple tv ads all seem to claim that this process is normal and that this is a average car price. BlueBook clearly indicates that this is fraud.Consumers are not made aware of blue book prices on these vehicles when making purchase.Additionally I am being consequented for being on XXXX and getting paid around the XXXX, not when they want to get paid.This is also common practice with XXXX and XXXX. Lender complains when they get paid after I do, and not before when funds are simply not available.

Company response to consumer: Closed with explanation