BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-14
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage with CitiMortgage. They went up on my mortgage to the point that it was almost impossible to pay. I asked for a loan modification and they asked me to stop making my payments for 90 days. I did everything that they asked me to do. while I was doing what they asked they were behind my back the whole while trying to foreclose on my home. This has been going on for a while. They continued to ask me to send them the same papers over and over again. I send them the papers and the process just goes on and on with the same results. This is a conspiracy. PLEASE HLEP ME!! They are stealing my home from me. Many of my payments were not reported and Escrow money was stolen

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
My credit card last month stopped earning it 's promised XXXX earning bonus on restaurants. I filed a complaint with Citi about it and was told 'a notice came telling you it was changing '. The fact is, that is not true. I was never notified of any changes to my card. In fact, I just looked online And there are no notices on any statements or records of other documents sent to me.

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 2016-12-29
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ever since XX/XX/XXXX I have been in a malicious dispute with Citimortgage with this alleged mortgage account # XXXX. I must reiterate I SHOULD HAVE NEVER RECEIVED A HAMP LOAN MODIFICATION. Citimortgage has refused to listen to me over these several years, when I have told them my adult daughter who is currently receiving XXXX for her XXXX is not fully capable to understand the documents she is signing. Example loan modifications etc. Citimortgage has continued ignored me and has informed if she does not sign I will be denied. This is not right but I am forced to do so regardless of the circumstances. I even said they can have a property for which they are not entitled to if I have to continually be at odds with Citimortgage to understand my adult daughters XXXX. 

Citimortgages Fraud Department said in a letter addressed to me that I " Reaffirmed '' this alleged mortgage in my chapter 7 bankruptcy in XXXX I would like to know WHAT REAFFIRMATION AGREEMENT did I allegedly sign in XXXX and WHERE did they obtain this information about this " Reaffirmation ''. 
Now they have accused me for filing a fraudulent claim of forgery this is not true. If I do not know anything else ..the one thing I do know is how to spell my name. Citimortgage has accused me of falsely filing claims against Them in an " attempt to eliminate a debt '' but they can not even address the Pennsylvania State Attorney Generals letters to them in an effort to address this matter. ( case file XXXX ). They would rather send an ACT 91 notice than to address or ascertain if there was any issues. In XX/XX/XXXX I received a letter of being transferred yet again to XXXX, it appears Citimortgage is " attempting to eliminate answering questions based upon their actions. 
Citimortgage has misconstrued my intentions in trying to obtain the best possible outcome for all concerned parties. FANNIE MAE, This writer and Citimortgage

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 2017-03-09
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX claimed they sent service to my former address and there was no service to said address in the area at that time. I never received any products or services from XXXX, what so ever!!! Now a collection agency is blocking my credit with this unauthorized and incorrect charges of {$2600.00}, which I have been denying for several years to no avail. NOBODY RESPONDS. the charges are still on my credit reports and must be removed by Jefferson Capital Systems collection # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I believe Synchrony Financial responded to my complaint with fraudulent information. The table they created has a glaring discrepancy including a blacking out of vital information. Why is this complaint closed when such a situation exists and no one questioned it? Although I do find it difficult to make sense of what Synchrony Financial has devised to confuse and frustrate, a simple cross-referencing of the actual statements with this table they submitted will clarify things much better than anything I can say. A good look at the table will reveal that it all just doesn't add up. This is not right. Please have someone take a good look at what Synchony Financial has submitted. Thank you. 
Sincerely, XXXX XXXX CFPB Case XXXX Amazon.com Store Card Account Number Ending in 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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 
I am a victim of identity theft and did not make nor authorized these changes. I ask that the items be deleted to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please remove these inquiries to correct my report as soon as possible. 
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 non-monetary relief
Consumer complaint received 2020-10-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We have a commercial loan with Wells Fargo. Loan # XXXX with a maturity of over {$900000.00} on XX/XX/2020. We were told by Wells Fargo that they would not refi and they would not extend the loan under any circumstances. We secured financing and began requesting a payoff on XX/XX/2020. It is XX/XX/XXXX and there is no response. We have a person named XXXX XXXX who admits knows nothing about the process. She referred us to her leader, XXXX. XXXX said she would escalate but now does not answer her calls. When we last spoke to them last Friday XX/XX/XXXX they did not know who the Title Company and Escrow officer was which leads us to believe there is no payoff in the works. We are now in jeopardy of losing our financing.

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 2016-07-08
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I had XXXX credit cards with Pentagon Federal and they have reaged this account to make it appear longer on my credit report. This is a blatant violation.

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 2022-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Thank you for providing a copy of the NOTE. This copy is surely diffrenet from previous versions that I have ever received On the last page it has a blank endorsement from countrywide official. Unfortunately this is a rubber-stamped signatures of XXXXXXXX XXXX XXXX which were surrogate signed onto UNDATED endorsements, meaning signed outside the presence and control of the authorized signor XXXX XXXX XXXX  XXXX XXXX I am uploading a case against defendants XXXX XXXX XXXX XXXX, BANK OF AM ERICA, N .A., XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX ( Collectively referred to herein as the dkDefendants '' ) for their violations of the False Claims Act ( : kFCA '' ), 31 U.S.C. jj 3729 - 3733. this case was settled in favor of plaintiff as serious charges named XXXX and wrong doings were accepted by defendents. The foreclosure case against plaintiff was brought by XXXX but BOA accepted the flase claims of " robosigning '' of endorsing promiossory notes by XXXX XXXX XXXX. surrogates. Such is happening on my NOTE.

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 2015-10-05
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I purchased a home in XX/XX/XXXX with my then husband. We separated and divorced in XX/XX/XXXX. Our divorce was finalized and ex-husband remained in marital home. He was to refinance taking my name off mortgage, He did not do so. He subsequently remarried and has since completed XXXX remodifications with his now wife. They continue to remain in the house nd are currently in their XXXX round of foreclosure notices. I was served a foreclosure notice ... ..he is now letting the home go and has no intention of making any payments. I have never signed a remodification agreement and papers indicate I " inadvertently '' did n't sign. There is an amount of approx {$490000.00} showing on my credit report preventing me from ever moving forward at XXXX yrs old. How and what can I do to resolve this situation. Any assistance will be appreciated. Thank you for any assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2015-09-01
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I took XXXX money orders in the bank I received and specifically ask the clerk to check them to see if they are good. she came back and yes and deposit the money Into my acct. And said that the money was available immediately. I took out XXXX then 4 days later they said XXXX money orders came back bad .I went to bank with XXXX to pay for all the MoneyOrders. even thou the last one still was n't back. The banker took the balance of the XXXX money orders and put the rest into my acct. Knowing that the last money order was coming back as well. The next day I called to inquire about the last money order and was told that it came back and it was clear. So I used the money in my acct. And XXXX days later they called and said that the last money order came back bad. I was threaten that if I did n't pay for money orders it would come out of my ssi that 's direct deposited I refused to pay the last of the money order so they turned me into check systems. but I was removed and beat that. I was n't aware that the money orders were part of a scam. So I was a victim and then the back lousey excuse for there failure is more then impossible to believe. It still haunts me today. I tried to do the right thing and the bank made it worse then the scammer. They tried to deny that the bank told me the last money order was clear. It was a lie because when I was over drawn for the XXXX money orders they blocked my atm card until I paid the balance they activated it again well that bite it did n't work so that 's when I called the bank to see why and that 's when they told me that last money order was cleared. And apparently it was n't according to there statement. But the atm alloys me to take XXXX extra from it. Does n't make any since the atm will not do that. They were holding on to this last m money order until I spent the money. It does n't make " since if there was XXXX money orders only XXXX came back. No way ... this is how I came to be aware of the debit credit that they all of a sudden made up. There is no such thing and everybody who has one is being ripped off. If you look on most banks web sites they donot say anyhing about a bedit credit card.only is it a credit card is when you ca n't put your pin no. In for a transaction. Who new this?? Who new that when you pay your Bill 's at home or online that they are n't being paid for maybe XXXX days. That your money comes out of the bank and made a iou slip until the merchant comes picked it up. In the mean time use your card as debit and you can use the money you had for Bill 's. Then you become overdrawn and the bank charges you a fee. Its ironic how America waant aware of banks doing this to your card. I knowv citibank and XXXX XXXX XXXX does n't even mention this type of card. it 's either a debit card or a atm card. Wake up America the banks are stealing your money and living on your bank fees..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: Financial Accounts Service Team Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Was contacted by an employee of the Financial Account Services Team ( " FAST '' ) on behalf of debt owed to XXXX ( " Creditor '' ). Was told by the employee that unless the balance was paid in full immediately, a judgment would be filed. Told FAST the money being requested would not be able provided and would need to make payments on the account. 

Employee indicated " it was time to stop playing games and that FAST had tried calling many times to resolve the debt. '' Told employee was unaware of the collection efforts but agreed the debt was valid and would make payments if FAST agreed to such ( and not file a judgment ). Employee stated, " XXXX XXXX, payments will not be accepted and it is time to stop playing games and pay the balance in full, otherwise a judgment will be filed. Stop being ignorant. '' Told member such language would not be tolerated and hung up. 

Contacted the Creditor and explained the circumstances. Creditor indicated a call would be made to FAST to see if any arrangements could be made. Received a call from the Creditor indicating FAST had agreed to make payments. Creditor also apologized for the inappropriate actions of the employee of FAST. 

Immediately contacted the employee of FAST to schedule payments and was forwarded to another employee. Employee set up payments and apologized for the actions of the other employee. Told FAST that the initial employee was no longer allowed to call again. 

It is my understanding this type of language is a violation of section 806 of the Fair Debt Collection Practices Act, as it is inappropriate to call a consumer ignorant. Per the Federal Trade Commission Staff Commentary on the Fair Debt Collection Practices Act : Section 806 -- Harassment or Abuse Section 806 prohibits a debt collector from any conduct that would " Harass, oppress, or abuse any person in connection with the collection of a debt. '' It provides six examples of harassement or abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I called Chrysler Capital ( Santander ) and asked them how they was able to secure my vehicle when they could not legally or properly VIN my unit. They attempted to stated they do n't have to provide information but they can tell by the plate ... I then Saud they have to read it off the unit. They then ignored me and said it was done legally. I confirmed no they did n't and she then went into ignoring me again. She refused to explain how they could repo a unit with out following legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Santander Consumer USA Holdings Inc.
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
They keep calling me and upsetting me about payment on our car loan but they are not sending any statements out so we can pay them my lawyer told me that they are suppose to do that and they are not to charge us any late fees if they are no send any statements to pay them. we both have been sick and have not been able to work yet but we are XXXX and have rights like everyone else has to have respect from other people and they must not go to church to learn how to treat people. Can you please help I have had to block them off of my cell phone and disconnect my phone just because of them idiots. My lawyer said they are not to have any contact with me until they send me the right stuff to pay a payment and to erase all the days that it is late. they are to work with us on this I thought since we were XXXX XXXX years of age they would have more compassion and understanding and help us out my lawyer said if they keep doing what they are doing he will sign a court order to make them say that the car is paid in full and quit upsetting me and making me sick. we have had other bills and medical expenses come due so we had to cut something out and still so far behind but hopefully we will get caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Home Depot said it was my fault for not paying a bill in in XXXX 2015. I was reported 30 days late to my Credit Bureau for this issue. My account was paid in full for a long period of time and the account had no activity. Therefore, I did not receive paper statements. I had a credit on file for an overpayment that was used and it went four or six dollars pass the credit that caused for a payment to be made. The balance on the account was six dollars and XXXX with a credit limit of {$3500.00}. Home depot reported me as late because I did not make the {$6.00} payment. I received no Bill. Later on they dropped my credit limit to 3,200.00. I called in to dispute with Home Depot and XXXX credit reporting. Home Depot female representative was not helpful. I asked to speak to a supervisor and he said it was my fault and error and not theirs. The business practice of Home Depot with this consumer who has always paid the bill and never late with big or small ticket items is deplorable! I was not treated fairly and felt rejected as XXXX of their customers. I was amicable on the phone and the people infuriated me regarding this subject matter which left a bad taste in my mouth about their business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: ALLY FINANCIAL INC.
State: OK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I am an Veteran living on a fix income, I had a car loan with Ally Auto financial, I went to XXXX to sell the car and they was n't going to pay off the loan, I had to come up with the rest of the money. I contacted Ally Auto and ask for the pay off of the car loan, they told me how much to pay off the loan, BUT Ally added a " fee '' charge to the transfer!! I contact Ally after I sold the car and ask why they told me the pay off was this much and then tack on a " fee '' of {$20.00}?? The lady told me that there was an over balance in the old account and she will mail me {$17.00}, what 's with this " fee '' and why I ca n't get the full refund?

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