BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My credit card information was stolen and my credit card was used without my knowledge in XXXX 2015. I notified XXXX XXXX XXXX about the fraud. Credit card company agreed to waive my payment for unauthorized purchases in XXXX 2015. 
On XXXX XXXX, the company sent me letters and charged me total of {$430.00} without any explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had XXXX for my lender and then everything was sold to Navient. After I consolidated my loans over 1 year ago, Navient was supposed to update my credit report showing the reflected changes, they failed to do so. I called and the rep there told me that I had to send a request letter for them to update the bureaus all XXXX I did send the letter and then I called a few days ago and they said I also had to include a copy of my credit report. I am uncomfortable sending them this information and asked why they can not just report the correct information as it is showing I owe more than I actually do and it is financially hurting me. The rep hung up on me. I also asked if they can remove the XXXX loans as they closed XX/XX/2008 and she said they had no affiliation with XXXX, but when I call the number to XXXX listed on my credit report it goes to Navient. All I am asking is that they do as they are supposed to and update the credit reporting agencys with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
i found a 30 day late on my credit report on a line of credit account and the 30 days late apparently happened in XXXX of 2009 and contacted the bank for an explanation, apparently the bank does n't have or could not locate the events at the time, they know that the account probably was acquired from countrywide financial and maybe it happened during the transfer of accounts to their bank ... i was told that the XXXX payment was never collected and thats a proof that maybe the payment went to countrywide and they collected the money from them. i ask to be removed from 30 day late and they advice me to file a complaint to get this resolved. i know its only 30 days but if it was not my mistake removing this late payment will be helpful in my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016 we had our checking account hacked by someone named XXXX. USAA Federal Saving Bank then says it was our fault because it looks like we gave this person our token, which it takes to get into this account. 
I guess they think their tokens are beyond breaking into. We do n't know any of the XXXX people that were indicated in our checking account fraud. They have found us guilty without even letting us prove we did n't do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2016, I spoke with XXXX XXXX, a representative for LoanDepotXXXX, LLC, XXXX, CA XXXX. He asked several questions and request I send supporting documents to him via email. Also on XXXX XXXX, 2016, I paid from my credit card, {$290.00} for an appraisal which he says was a discount price from {$500.00} fee they normally charge. ( See receipt attached ). From that date till today, XXXX XXXX, 2016 they have asked for several documents including tax returns and I have not received my appraisal, follow up calls nor have they finalized the refinancing loan. They also took the liberty to call my homeowners insurance to inform them of an upcoming change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: CITIBANK, N.A.
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
To whom it concerns, I would like to file a formal complaint against Citi Prepaid Services, regarding an outbound manual money transfer made on XX/XX/2016. 

The transfer was never delivered to my partners XXXX account with XXXX, and also was n't delivered to the intermediary bank, XXXX XXXX. 

We have been told by Citi Prepaid that the transfer left our account and should have been received on XX/XX/2016. Over a month ago Citi Prepaid informed us it was being elevated to their own personal investigations department and that we would hear from them regarding the status of our investigation. 

During this time frame we have heard nothing aside from that it is being investigated. We have been given zero updates with no regard for any questions we have risen concerning the status of this ongoing investigation. 

This is highly concerning as now we are worried that the money is lost or stolen and we have no support from Citi Prepaid Services in tracking the missing transfer. Their costumer services supervisor, XXXX, Informed us they can not give us a tracking number or any information, which seems unbelievable and suspicious. 

The effects of this situation go beyond just our missing money. My partner and I are damaging our credit ratings by the day, and due to a total lack of confidence in Citi Prepaid 's transfer system we are afraid to move more money into our personal accounts. 

I request that you respond to this compliant urgently. 

Yours Sincerely,

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 2016-09-10
Company: CITIBANK, N.A.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I am a XXXX Veteran and XX/XX/XXXX, had to abandon my NC home, due to unsafe/unhealthy mold. The house was uninhabitable and was way to expensive to repair. I could not do it, nor could I afford to pay someone. 

I had to file Chapter XXXX BK, in hoping to release my name from Deed, due to CitiMortgage surrendering house back to XXXX XXXX. I was NOT made aware that Citi did this and all sorts of back taxes and City of XXXX XXXX " Maintenance '' fees were accruing. 

When a law firm discovered my address, from the last water bill paid, they sent me letters stating that they would foreclose, due to these fees. I panicked and filed Chapter XXXX. 

I thought Citi had control of the mortgage and were going to sell the property. They sneakily surrendered it back to XXXX XXXX. Citi paid XX/XX/XXXX taxes, put a tarp on roof, changed locks and placed anti freeze in pipes. 
( I found this out by neighbor ). 
Citi was also made aware of my abandoning said property via phone call AND mail. XXXX XXXX confirmed this fact. 

One lady at XXXX County tax office, told me that I am not responsible for the taxes, yet the same county office filed a claim against me, including City of XXXX maint. fees., atty. fees, etc.. 

The BK Trustee handling my case, was made aware of this fact and decided to still penalize me, forcing me to pay, despite me making mention of this. I even disclosed the womans name and phone number!? 

One person tells me I do n't owe and another says I owe, even though I walked away from the house due to health/safety circumstances. 

I just finished spending an entire year living in EXTREME poverty, yet ineligible for any social programs, unless I sell all my possessions, which is n't considered as squat! 
I drive a XXXX Dodge Dakota, which is in less than fair shape. 

I am totally disgusted with how things have turned out over the last 10 or so years and I 'm not surprised that many other Veterans in my position XXXX! 
Yet these same people always exclaim : " THANK YOU for your service to our country! "? 

The whole reason behind this financial mess of mine, is primarily due to the Dept. of Veterans Affairs and their " Delay, Deny and Hope that I Die! '' mentality. My claim is over 14 years old. 

XXXX XXXX refuses to release the lean, even though I 'm involved in a Bankruptcy proceeding, unless I pay them {$1000.00}! 
My name remains on the deed until I do so, which as you know I am responsible, if the house is set on fire or someone is injured on the property. 
XXXX 

I also have a separate claim, that I would like to file against XXXX XXXX, but will do so separately.

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 2017-03-19
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I routinely pay my myBestBuy credit card through Citibank in full. Occasionally, I try to make payments in advance of the next billing cycle. This is the only credit card I have ever had that refuses to let me do so, telling me that I 'm not allowed to make any more payments at this time. The ability to send a payment is literally blocked. I just was just charged interest on purchases on XX/XX/XXXX, despite not having financed anything, as far I can tell. It is suspicious that the system keeps clients from making payments. I ca n't even tell if I am going to be subject to finance charges. I want this charge refunded.

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 2015-12-20
Company: CITIBANK, N.A.
State: ME
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
We have had a Citi Master Card for many years and are Charter Members. However we have had our credit card used fraudulently on 3 separate occasions. Each time it appears that the data was obtained via hacking of data of business that had our info. What gripes me most is in trying to deal with the customer service people you are always connected with off shore calling centers with foreign speaking representatives. As XXXX it is very difficult to understand these dialects and nearly impossible tro communicate with them. I even wrote to Citi and complained about it and asked if they could not flag our names or numbers to connect with American speaking representatives. I was contacted by a XXXX manager who admitted they use off shore customer service for cost only and they were not going to make it easier for customers such as we. I would really like to determine a credit card company that still gives great fraud protection and English speaking customer service. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have lived in my home for over 13 years and have had a mortgage with CitiMortgage. I have gone through XXXX financial situations when I divorced and when I changed employers. The most recent issue came when I changed employers. When I changed employers my income went from {$1500.00} bi-weekly to $ 1500 monthly. I informed my mortgage company and asked for a hardship/modification. My current payments were {$1000.00}. which I had been unable to make but at the time I applied my mortgage was up to date. I was contacted by my mortgage company yesterday XXXX who informed me that I was approved and my new mortgage would be {$710.00} which was great because my take home pay is {$880.00} and I could pay a mortgage payment from XXXX check. After about 5 minutes I received another call from the mortgage company who told me that the information provided previously was an error and my payment would be {$1000.00} and I said that 's what I pay now how is that a modification? My issue is that I received a modification from this company before and my mortgage amount was almost exactly the same but I felt like I was compelled to accept it because I did n't want to lose my home because I have children. I am feeling that I am in a corner because I do n't understand why if I told them my pay has been cut in half and I need a hardship they believe its okay to give me the same payment and call it a modification. I believe that something shady is going on and I do n't know what I need to do to get to the bottom of the situation. I need a modification that will work for me and that I can afford. I want to keep my home but they really are n't giving me any options.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was born XXXX XXXX XXXX  at would need Ashmer Collection Services XXXX Agency to properly and thoroughly reinvestigate, thoroughly read and understand my dispute and believe in my personal logical and knowledgeable reasons why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I had a XXXX through their partnership with XXXX XXXX. XX/XX/2016, they mailed me saying they were ending their partnership with XXXX XXXX. I had no desire to continue my XXXX and since they no longer had a credit card to charge I assumed that would be the end of it. 
However, in XX/XX/2016, I received a billing statement from a Citi Visa card I had never signed up for or activated. The statement was for a {$110.00} membership renewal fee on XXXX. Costco had taken out a card in my name, without my consent and charged me for another year 's membership on it. Unfortunately, my wife saw the bill and paid it before checking if I had ever signed up for the card. 
I called Citi Visa to ask them to reverse the fee and they refused, claiming the account was valid even though I had never given consent to create the line of credit. They also stated that this was a transfer of an existing debt, even though the statement lists it as a purchase and I had no existing debt. When I asked for the address to send a formal letter to request the charge be reversed, they first refused and then disconnected the call when I insisted. After redialing, I was able to get the address and issued a written request to have the charge reversed on XX/XX/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 non-monetary relief
Consumer complaint received 2016-07-01
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Hello, Summary - XXXX Citigroup Inc.customer representatives assured me {$650.00} credit which I never received as of today ( more than 2 months ). Multiple follow-ups have been done with the Bank. 
XXXX Sequence of events : 1 ) I opened an AT & T Citi Access Credit Card Account 2 ) I made a purchase of more than {$2000.00} in the first 2 months itself. 3 ) I called their customer support service to understand how I can avail the credit of {$650.00} which was part of the discount scheme if I spend {$2000.00} in first 3 months after opening the account. Customer representative confirmed me over the call that I can buy the phone from ANY store using AT & T Citi card and I will get the credit against the phone purchase. 4 ) Based on this confirmation I purchased a phone on XXXX XXXX 2016 from a BestBuy store. 5 ) Citi did not give me the credit so 6 ) On XXXX XXXX I called them again. This time Citi customer representative was reluctant to give me the credit but after talking to his manager he confirmed me that I will be getting the credit once I fax Best Buy phone purchase receipt and my account details to XXXX. I faxed the receipt and details after couple of days. 7 ) Till today I have not received the credit of {$650.00}. IF support representative had completely denied me the credit on XXXX XXXX I had an option to return the phone back to Best Buy store. 8 ) I sent 2 more messages ( from my online bank account ) to Citi asking for the credit. 9 ) On XXXX XXXX I called Citi customer service again. I was told call is being routed to Manager, XXXX representative said same thing that call is being routed to Manager, I will be getting a call from Manager etc. I am very upset and frustrated with the Bank as they misled me multiple times. On top of it then applied late payment charges on my account. 

My concerns are 1 ) I have not received the credit of {$650.00} and 2 ) Bank has applied late payment charges to me, this would not have occurred if they had applied credit to my account on time. 

I sincerely request you to look into this matter and help me resolve the issue. 

Thank You, XXXX XXXX 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 monetary relief
Consumer complaint received 2015-05-22
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call today from the General Revenue Corporation ( or at least that 's who they told me they were ). They left a rather official sounding message that they were a debt collection agency and that I needed to call them back about a debt. I called them immediately and then they asked me to verify, for security reasons, who I was. They asked for my address, which I gave them ( because it 's public record ) and then the last XXXX of my social security number, which is PII and I would not give them. I asked them to disclose to me what the call was about or any details of the debt, which they would not tell me. They kept saying that I needed to disclose the last XXXX of my SSN or the conversation would be over. That 's when I told them that it would be over because I would n't share it unless they told me what the call was about, which they would not do. She kept telling me that she already had my SSN but she needed me to verify it. When I asked her how she got my SSN, she could not answer me. I advised her that only my banking and credit card institutions had my SSN and that all of those debts are up to date. To date I have received no verbal, text, or written notice that I have any unpaid debts, so I was very suspicious as to what this might be about. I checked my credit report, which showed no inquiries and no late payments within the past XXXX years as well as no public record accounts named. I asked the technician if she could explain how I was supposed to ever find out what debt I have n't paid if she would n't tell me, and she could not answer. She asked for my information again, I told her no, and then she hung up. This instance may have actually been the company that they said it was or potentially a spear phishing scam ; I 'm not sure which. I contacted our lawyer immediately who also advised me to not give my PII over the phone. Again, I have still never received anything in writing from any company or any loan agency or credit card to date, so I find it suspicious and do not feel like I should have to share my information with this company for them to tell me why they are calling me. The number they wanted me to call was XXXX, they contacted me from XXXX, and the technician 's name was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Other

Complaint:
I reported to Macy 's that they were reporting inaccurate information on my XXXX credit bureaus. 
I am using my XXXX report as an example : On XX/XX/XXXX I received a letter from Macy 's stating that their reporting was accurate. The account was charged off XX/XX/XXXX since me asking for information on my account Macys has been adding additional Charge Off ratings on this closed account. 
XXXX reported on XX/XX/XXXX Charge off marks added by Macy 's for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then on XX/XX/XXXX XXXX reported additional negative recent CHARGE OFF reporting 's XX/XX/XXXX and XX/XX/XXXX. 
They continue to add negative information to each credit bureau that varies in accuracy. I believe this is violating my Fair Credit Report Act rights and are using deceptive debt collecting practices by continuing to report this inaccurate information on my files. 


This is causing me to be denied for my home loan and I would like this account removed immediately from my credit reports.

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 2021-02-19
Company: Mercedes Benz Financial Services
State: CA
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX and Mercedes Financial. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00}. The Account Opened is Mercedes Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I submitted a complaint to you ( case # XXXX ). The bank responded that I needed to send an original copy of a trust a agreement. I sent them the agreement. They have not responded and will not return my phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation