BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Booked several domestic flights for my trip to XXXX using my credit card rewards program, Citibank ThankYou Premier, using their own website that is advertised when accessing the Account. I was assured I 'll get protection from all parties : the agency providing the travel, the Rewards program and the credit card ( as it offer some travel benefits ). 
During the trip, I had an issue with XXXX flight, that was cancelled. 
I tried, for several times, to contact all of the above mentioned providers, using the phone numbers they provided. All numbers were blocked for collect call, contrary to what they advertised. I tried to place collect call through at least XXXX providers : XXXX, XXXX and a local phone operator. All of them informed all numbers were blocked, and I was unable to contact any of them. There was not option to contact them online. The Travel Operator did not reply my twitter message asking for help. 
The numbers provided and called are : Travel partner ( from their confirmation email ) : Outside the U.S., please call collect at XXXX Citibank ( printed in the credit card itself ) : INTL COLLECT : XXXX. 
I spent one hour trying to contact them, got very frustrated with this situation, and was already stressed by the flight cancellation. I returned to the airline counter and was informed I have to deal directly with the travel agency ( credit card/rewards ) since I booked from them. 
I was left without any assistance. 
I have to say I 'm lucky it did n't include a health issue. The credit card claims they provide this and other benefits. I 'm happy I did n't have to rely on them for anything else. 
Anyway, I absolutely regret using Citibank services, and next time I know I have to use my XXXX XXXX XXXX card for all travel related purchases. Citibank is an enormous failure. This is not the first time Citibank disappoints me. When I opened the account, I also had an issue having the card delivered and Citibank did nothing to remedy the situation. 
I need to be partially refunded for this lack of assistance and for the frustration and additional stress it caused. If I 'm not compensated to my satisfaction, I 'll obtain a extract of the call attempts and take it further.

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 2015-08-11
Company: SACOR FINANCIAL, INC
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, OR XXXX obtained a Writ of Garnishment against my IRA account at XXXX. Even after they were provided with conclusive evidence that this asset is exempt from garnishment under Oregon law ( ORS XXXX ), they failed to release the Writ, preventing me from buying or selling securities in the IRA account, resulting in actual and potential losses as a result of their illegal garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: CITIBANK, N.A.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for the Citigold Checkings account from Citibank on XX/XX/XXXX. I signed up for the account because they had an offer saying that if {$1000.00} of purchases and 1 bill payment were made within the first 3 months of opening the account, I would receive XXXX XXXX XXXX Reward miles. I have contacted Citibank various times through phone, secure messages and chat. In these ocassions, I 've been told that I had fulfilled the requirements and I would be getting my miles soon. It is now XX/XX/XXXX, and after contacting Citibank one more time they are telling me that I do n't qualify for the offer and that I wo n't be getting the reward miles.

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 2021-12-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a grant from a XXXX XXXX XXXX XXXX ( stay ) for six months of mortgage payments. mortgage assistance due to the corona virus pandemic. The mortgage service provider received the the payment in the amount of {$3300.00}. They cashed the check on XX/XX/XXXX th but have not posted the funds to my account as of this date. I had received a letter after a grueling ordeal that they needed 30 days to resolve the dispute. I just received another letter stating that they need another 30 days. The customer service representatives have not been kind or helpful ( especially the one I spoke with today ) I have been requested to send documentation proving the payment was received by SPS servicing and I have done so. I would like for my grant for my Six months of mortgage payments to be posted to my account. On top of this SPS has sent something to make my credit score drop XXXX points. I was told today to dispute it on the credit bureaus. I am under severe stress from all of this Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had OCWEN Mtg. We have fought them for years as they falsely claimed that we paid them late and even at XXXX point, they put a forced policy on our house for false reasons. I have them set on my banks autopay. They get wires before the due dates and they always have. I have written numerous agencies including the XXXX and hiring two attorneys. Our credit bureaus states today that OCWEN has reported us for not paying on time in XXXX, XXXX and XXXX of 2013. Before this, they had me paying late in a month 90 days late. I complained. The removed it, and then we had XXXX that said I was 120 days late instead. I complained. They removed it. On and on we go until today. We call, we refinanced out from under them, so we are not in their system any longer and therefore, there are no options to get a live person. We go through a LOT to get a person who refuses to get us a supervisor. Then we get XXXX who talks circles around us telling us that we ca n't dispute because we were late in XXXX AFTER we refinanced to a new bank. I think he was XXXX XXXX. We got the refinance BECAUSE we showed the new bank proof that they were on autopay and the proof from our bank. These people are malicious. They change information at XXXX with people who complaind. Nuking their company is not beyond the realm of reasonable for me at this point. They have cost us cash out of our refinance that we needed because my wife had XXXX and XXXX she was stopped picking up children in. We needed that money and it is no longer available to us after the new year because property values dropped. Our opportunity is lost. I want these people out of my life forever. I want them prevented from doing this to other people. Their people do n't seem to have a genuine grasp of the language and repeat things and go round and round until you want to take a bat to the phone! I have never dealt with a company that made me want to be violent towards them like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 290 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2015-08-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage Company, Ocwen Loan Servicing, has completed my escrow analysis based on erroneous Information. The analysis stated that I did not have flood insurance, when in fact I do, through XXXX XXXX XXXX XXXX XXXX ( as of XXXX XXXX, 2015 XXXX. I have provided proof of insurance via email/fax and have proof my mortgage company received the updated report. Ocwen is insisting I continue to pay the significantly increased mortgage escrow XX/XX/XXXX which I can not afford. I have explained the situation and shown proof of insurance, however, they insist I will go into foreclosure if I do not pay the amount they request. 

It seems to me they want me to go into foreclosure and are unwilling to assist. I will also note that my original loan was with XXXX and was subsequently sold ( unbeknownst to me XXXX to XXXX. 

I do not clearly understand how I can be charged for something I did n't request and already have from another carrier. This is theft in the worst way. I am a minority woman raising XXXX children on my own. I hold a full-time job and all of my children are in school - how is it possible that a mortgage lender can blackmail me in such a way?? 

Please help! 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently submitted a complaint against Ocwen ( my second complaint against them ) through the CFPB due to an Escrow/payment increase/notice issue. I realized today that after I submitted the complaint to the CFPB, Ocwen chose to reverse my previous XXXX loan payments. I called Ocwen to find out why these payments were reversed and they could n't tell me why. They did assure me that the payments were reapplied to the account. However according to the customer online payment history through the Ocwen website, it does not show the payments were ever reapplied. An escrow review should not require a multi-payment reversal. I feel as though Ocwen is retaliating against me for making complaints against them to the CFPB. 
I have never missed a payment and do not know why Ocwen continues to make things difficult for me to ensure my account is serviced correctly. I am XXXX and I am even having a difficult time figuring out what is occurring and why action is being taken on my account. In my professional experience, inaccuracies and misapplication of funds tend to increase with multiple reversals and reapplication of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were approved for a loan modification, but our XX/XX/XXXX statement does not reflect the terms of the loan modification. Statement amount shows a payment due of {$240000.00}, but according to the loan modification XXXX payment due is {$3200.00}. We mailed the loan modification agreement and emailed the documents to our relationship manager on XX/XX/XXXX, but Ocwen sent another set of loan modification documents to our home address on XX/XX/XXXX and requested to have the documents sent back by XX/XX/XXXX. I am unsure why the second set of documents were mailed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I paid off one of a two part disbursement in XX/XX/XXXX and had to discontinue autopay to prevent another payment from being withdrawn from my account. In attempt to do so, Sallie Mae advised that I need to unenroll from autopay completely and re-enroll once I saw the account that was paid off was at a {$0.00} balance. 

I did as requested, waited for the {$0.00} balance, and made payments manually to the remaining two accounts to ensure my payments were on time. After the XXXX due dates passed and I confirmed the {$0.00} balance on the account I paid, I returned to their website to re-enroll in autopay - well in advance of my XXXX due date. This meant that two accounts needed to be enrolled, which I did. As you'll see attached, the online portal shows that all accounts are enrolled. Despite this, only one of the two accounts were enrolled. A payment was withdrawn from the single disbursement account only. 

On XXXX, XX/XX/XXXX, I began to receive collection calls for a past due amount. I asked them to review my autopay and explain why the payment wasn't taken. They were unable to explain why that happened on the one account while the other went through. I asked to speak with a XXXX several times and the collections person continued to ask to take the payment over the phone. Finally the person agreed to transfer me. I've now been on hold waiting for a XXXX for 24 minutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
Some time in the beginning XX/XX/XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Ascendium Education Group
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:
FAIL TO PROVIDE HOW THEY VERIFIED DISPUTES WITHOUT PHYSICAL PROOF OF WET SIGNATURES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a Citigold bank account in response to an invitation from Citibank, offering me XXXX XXXX XXXX bonus miles within 90 days of completing XXXX banking activities within 60 days of account opening ( 1 bill payment for 2 months + spending {$1000.00} on the Citi debit card ). I completed the promotion terms in XX/XX/XXXX, and received confirmation from a Citi phone banking representatives that the bonus miles should post " shortly '', but maximum within 90 days, so maximum by XX/XX/XXXX. It is now XX/XX/XXXX, and I have called Citibank multiple times to enquire about the status, and I keep being told that it should come through " soon '' and that they are backed up on addressing such queries. At this point, Citibank is flat out in violation of the commitment they made to me in the offer, and have not made a reasonable effort to remedy the situation.

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 2016-03-29
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We got a call from Macy 's department store on XXXX XXXX, 2016 asking me to contact them immediately. I did and to my surprise they told me that I have a balance of {$150.00} which is two month delinquent. They also told me that they have informed all credit bureaus, which basically ruined my credit score. I have worked so hard to keep my credit clean for 20 years and is ruined now because of {$87.00} worth of purchase that I have never made. 

I used to have an a/c at XXXX 15 years back but never purchase anything from Macys. I told the Macy reps that it is a case of fraud and I did not use or authorize anyone to purchase on my behalf. They referred my cast to their fraud unit and she told me that I need to find a claim and she would send me claim form and I need to know my account number and the amount owe. I told her that I did not have an account and if she can send me the billing statement. She told me that the company policy does not allow that. After pressing she agreed to send me the billing statement through e-mail. During that discussion she told me that they have an old email ID that I do n't use anymore. She told me that the company acquired another company and the e-mail system got all messed up. 
During her discussion she asked to call her back again now with my wife to make sure that she did not make any purchase. I told her that this is my account it has got nothing to do with my wife. But, I wanted to settle this issue as soon as possible. 
We called back the same night and again went through the same procedure. The XXXX fraud unit specialist promised that she would send me claim form, billing statement, put stop request for collection or debt reporting. 
I have been getting 3 calls per day since then from Macy ' Debt collection and they just advanced another month of delinquency and thereby ruining my credit. I have worked so hard to keep my financial record clean and had an average score of XXXX. Now, it is ruined because of Macy 's. Please help.

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 2021-03-22
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XX/XX/2021 atXXXX XXXX, I received a text stating " The phone associated with your chime account has been updated to ( XXXX ) XXXX XXXX. Please contact XXXX XXXX at ( XXXX ) XXXX you did NOT request this change. '' I also received an email stating my email has been updated to XXXX. I immediately tried to log into my online banking app but was complete locked out. Someone else had complete control of my account! I called the Chime Member Services at ( XXXX ) XXXXand I spoke with a representative who told me that I needed to send a copy of my ID along with the last numbers of my social security number toXXXX. I sent the requirements in an email multiple times, I have fully cooperated every step of the way. I have received a series of emails that state my account was closed due to me going against internal policies. However I can assure I did not. Anything that went against the policy was from the person committing fraud against my account. Chime has been very unhelpful, they have closed my account, wont share any details with me, nor will they reimburse any of my money. I also filed a police reportat XXXX XXXXwith the XXXX Police Department and with the XXXX XXXX XXXX Police Department where the transactions took place. I had a total of XXXX in my checking and savings account, until someone was able to make a total of 3 transactions that I did NOT authorize. The transactions were {$1000.00} Thursday XXXX XX/XX/2021 at XXXX XXXX at XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX, VA, {$1200.00} Thursday XXXX XX/XX/2021 at XXXX XXXX at XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX, VA {$200.00}, and Thursday XXXX XX/XX/2021 XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA.This member was able to steal {$2400.00} from me AND still has access to my account. Chime also refuses to change my email and phone number back!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: First Associates Loan Servicing LLC
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX AL location from XXXX and took out a PEAKS private loan with the school as they made it seem that was my only option to receive financial clearance in addition to my federal student loans. The school electronically signed most of our financial aid documents without our knowledge. They would call us into the office and tell us everything was already filled out and to agree to terms etc. I am still struggling to pass my XXXX graduation nearly 2 years ago now. I never did trust the school with my financial aide because it was all so under the table and pre-filled out. At this point I am drowning in interest from all the loans I have had to take out to receive my education from XXXX and I do n't feel it is fair for a school that is known for its fraudulent techniques with money to continue to be able to make money from me long after they filed bankruptcy for fraudulent reasons and closed down.

Company response to consumer: Closed with explanation