BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-19
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Syndicated Office Systems d/b/a Central Finance Control has placed a collection on my credit report. This was placed on my credit report in XXXX 2016. I have not once received a phone call, notice, statement or any other information from this collection agency. I have called them countless time, mailed letters and send fax to this collection agency. Five months later I still do not and have not received anything about this debt that is on my credit report. 
I have without fail contacted this agency, my attorney has contacted them and neither of us can obtain any information on this debt they have placed on my credit report. 
The amount of this debt placed on my credit report is {$88.00}. I have faxes from myself and my attorney on this matter, letters mailed that were returned to me. Their customer Service Reps. will not speak with me nor with they comply with any request to mail me record of this debt.

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 2015-12-14
Company: CITIBANK, N.A.
State: VI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Citibank has seemingly had a major breach in their security system. I received a fraud alert call about a new card ( that had never been activated ) about a charge made from another country. I received the new card 3 days ago, after receiving a notice from Citibank 2-3 weeks ago that they would send me a new card due to a possible data breach. If the new card, which I had never used and had not activated, was used fraudulently, then there has to a breach either at the Citicard level or a vendor that they use. I am very concerned about this level of a breach. My account was closed but in my mind the integrity of Citicard 's security system is in question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I recently attempted to cancel warranties for several watches purchased at my local Zales store back on or around XXXX of 2014, there are XXXX warranties in total. The watches were sold and no longer in my possession, prorated refunds should be issued. However, Zales reps refuse and state refunds are issued only when item is returned. The items could not be returned as they were purchased a year ago, they were sold and are no longer in my possession. I spoke with a XXXX at their corporate office today, he refused to issue refund and offered a XXXX dollar gift card in exchange, this does not begin to cover what was paid for warranties and was refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Have tried to get a loan modification from Wells Fargo to not avail, even though they have a XXXX and XXXX XXXX on our only property. 
They keep coming back denying the modification, because all their calculations are based upon the income and payment on the XXXX XXXX, without considering our XXXX XXXX payment and my wife ( she 's XXXX years old ) Student Loan payments that amounts to over $ XXXX/month. 
She did receive her XXXX XXXX XXXX in XXXX and XXXX at age XXXX. 
Now helping the XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. 
working for XXXX XXXX as a XXXX XXXX XXXX I 'm XXXX years old, XXXX from XXXX We want to keep our only property. 
A NOD has been already filed, even though we were in the middle of a Loan Modification process.

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 2015-12-16
Company: CITIBANK, N.A.
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
According to documents that were sent to me prior to the approval of the refinance of my mortgage, there were some services related to the title of my property that I could shop for. I called a local title company and found that they had slightly better rates than had been quoted by the mortgage company, so I got their information to share with the mortgage company when the time came. When I was notified that my loan had been approved and I indicated that I wanted to use the title company I had identified, I was told that my loan had already been assigned to another company and that if I wanted to use the company I had identified, it would result in a two-week delay in the closing of the loan, pushing the closing past the lock-in date for the interest rate. I chose not to pursue the closer that I had found and went with the service the mortgage company had chosen. The person who came to my house for the closing on the loan was ill-prepared, so that she had to examine every document to see if my signature was required and where it would go. There were some documents that applied to her, but I had to sit while she read them to determine what needed my signature.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was assessed an overdraft fee by Bank of America in the amount of {$35.00}, even though I deposited funds to cover the potential overdraft. These types of fees are completely unnecessary and exploitative. Big banks like Bank of America, which earn XXXX dollars in revenue each year on the back of their hard-working customers, routinely exploit working people by charging unnecessary fees.

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 2016-06-25
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a bank account with Citibank and was promised XXXX XXXX XXXX miles after meeting criteria. I have e-mail confirmation that I met my criteria but they have still not credited me the miles. I have e-mailed them and spoken to them at least 5 times about this issue and have not received what I was promised or an actual response.

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 2016-06-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I was sent an email from XXXX XXXX/Citibank for a new credit card with XXXX bous miles after spending {$3000.00} in three months. I exceeded the spending threshold but did not receive the miles. I spoke with Citibank - they claimed that they had no evidence that I signed up for this promotion and refused to grant the miles. They asked for documentation that I was offered this promotion, but I have long since thrown away the envelope. I am frustrated with what seems like fraudulent advertising.

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 2015-05-10
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Advertising and marketing

Complaint:
Dispute of Charges -- Offer of {$100.00} credit for applying for Citi credit card account on XXXX XXXX website is not being honored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Reference # XXXX Report XXXX To Dear XXXX, I applied for a Home Depot card over the internet on XX/XX/2017 
I was advised that I needed to call XXXX to complete my application. I did. 

The representative advised me to go into a store and show my identification along with another form of ID like a bank card etc. I went to Home Depot located at XXXX the next day on Friday XXXX. The lady in customer service called customer service over the phone and the person she spoke with told her I needed to have a credit card on my person with at least a year history. I did n't have any credit cards on me at the time only a back card. 

Be advised, I was not told this previously when I called over the phone if so i would have been better prepared and I waited in line to be helped for an hour and barely made it to work on time. 

I went back to the store today Saturday XXXX and met with the same lady in customer service who tried to help me previously. I brought my XXXX card with me that I have had for more than a year ... XXXX she called customer service over the phone and was told the XXXX card does not appear on my credit!!! 

I find this process to be immensely frustrating!! I am a hard working man and I have not done anything wrong but try to apply for a card from what I thought was XXXX of the best appliance companies around, and I am being treated unfairly or treated as if I am a criminal. I am very frugal and do n't have a lot of credit because I mostly made purchases with cash, but my work load has increased from secondary job and buying things flat out can be a little pricey .... besides I noticed they offer a lot of benefits by having a Home Depot charge card. 

I 'm just appalled that I have been treated this way. I also just got home and saw that the XXXX Card is in fact showing on my XXXX Credit Report. I am speechless!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
Have a citi bank master card credit car. I had a balance on the card of {$170.00}. On XX/XX/XXXX, I paid the balance. I had a late fee on the card because I had moved. On the phone they agreed to waive the late fee. On the phone I asked to pay my balance which ( after they waived the late fee ) came down to {$140.00}. Recently I have been receiving late charges because the Citi bank customer service represented did not waive the late fee. I made sure that I did not have a balance on the card before getting off the phone. As of today, they are saying I owe over {$120.00} in late fees. After talking with numerous representatives they are now saying that the XXXX did not waive the fee in XX/XX/XXXX and as a result additional late fees were added on the account form XX/XX/XXXX. They offered to take off XXXX of the late fees off and {$10.00} since the erroneous accrual from XX/XX/XXXX but have said their system will not let them take off any other late fees. They have acknowledged they failed to take off the late fee and their systems inability to correct my account but they are demanding that I pay what is left on the card. I should not have to pay- 1. I paid off the balance of the card ; 2. have not used the card, 3. they admitted they failed to take off the late fee in XX/XX/XXXX ; 4. admitted they could not correct the issue because its a system issue.

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 2015-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of identity theft and someone stole my identity and personal information to open up a Visa credit card account with Bank of America. The following Bank of America Visa credit card account do not belong to me : XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: CITIBANK, N.A.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was denied assistance for mortgage relief when I attempted to apply. Citifinancial does not participate in the mortgage relief program that was sponsored by the federal government. My state received funds for mortgage relief through the S.C. help program. I was denied help because citifinancial does not participate. I was also denied adequate deferment. Citifancial was also very rude to me, unprofessional, and uncaring. Other individuals have experienced the same difficulties that I have. Citifinacial wanted to foreclose on me and others for a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I file a complaint with the XXXX credit Bureaus Agencies regarding a Collection Debt from Resurgent Capital Services, they Wrote me a letter on XX/XX/XXXX with an Payment statement advising me that such account was mine, I wrote them back and told them that I found inconsistencies along with the information they sent. as Date Account was open, the Balance of the account is incorrect, Last payment there were No payments made since XX/XX/XXXX they altered the account open date, because how do you explain that if it was open on XX/XX/XXXX according to their outdate info why the account would be removed until XX/XX/XXXX is n't it true that will remain 7 years minimum if the account was open XX/XX/XXXX to XX/XX/XXXX is 4 years, there is many discrepancies that are not accurate at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX. I XXXX XXXX, a ( XXXX ) page letter from Bank of XXXX XXXX XXXX, XXXX, NY XXXX. Informed my savings account. XXXX XXXX XXXX. Case number landlord tenant XXXX XXXX. The XXXX page stated that {$4200.00} is being restrain by law to debit and restrict to account ending XXXX. But {$8500.00} is being attached and held in total plus {$100.00} processing fee. - BUT no safe deposit Box Number to locate where the money is being held. the XXXX page is restraining notice from a third party debt collector signed by an attorney BUT no a judge XXXX PAGE is an exemption notice not signed the XXXX and XXXX pages are Exemption forms Not sign. BUT The NOTICE of JUDGMENT signs by a Judge was NOT included. Which is required by federal and state LAW before. On XXXX XXXX, I spoke to XXXX XXXX at Bank of America XXXX XXXX, XXXX NY she told called Bank of America legal order Process and sole to XXXX XXXX and replied that the do n't have an judgement order for the {$8500.00}. Further that they do n't require Creditors to prove that they is a judgement. I involved my constitution right to face the evidence and to validate the debt of {$8500.00}. Plus {$100.00} processing fee. Furthermore I also since the was proof notice of the judgement. Bank of America legal department illegally Froze my account improperly with the correct and just due process. Last I did n't get any notice from XXXX XXXX from XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX tell XXXX. I pray that an injunction be place on the freeze against my account and the proper and through investigation intimated on Bank of America failure to comply with the proper due process. To reintegrate the creator did n't provide PROOF a copy of the judgment amount claim of {$4200.00} ( + {$4200.00} ) second no proof of letter showing prior notice of garnishment. Which must be a produce along with notice of garnishment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
There were XXXX home equity loans that I had taken out in XXXX ( for US {$100000.00} and US {$30000.00} ) from Citibank. They were satisfied when we took out a XXXX home equity loan from Citibank for a larger amount ( US {$250000.00} ) that involved satisfying the first XXXX home equity loans. The XXXX home equity loan was fully paid off in XXXX and the lien has been removed from the title. However, the lien for the first XXXX home equity loans was never released and recorded with the county ( XXXX ) as was to have been done. I am in the process of selling the house, and the first XXXX home equity loans ( for US {$100000.00} and US {$30000.00} ) are showing up as liens on the house ( see attached ). I have contacted Citibank several times and have not been successful at finding someone who can help me as they are now showing any active mortgage or home equity loans. I have been transferred repeatedly and have also faxed information, but am unable to resolve the issue. I would appreciate it if you could provide assistance in having them send me the paperwork showing that the XXXX home equity loans have been satisfied as soon as possible as this is delaying the closing of my house. 

The address for the house is : XXXX, NY XXXX I have also attached the information showing the two liens from Citibank on the title.

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 2018-05-26
Company: Experian Information Solutions Inc.
State: WI
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: Investigation took more than 30 days

Complaint:
Sent : XX/XX/XXXX To : CFPB Subject : Having problems with XXXX XXXX XXXX My credit report is now ruined because of them! 




Dear Sir or Madam : I tried rectifying this situation over a year ago. Nothing was ever done about it. Now, this situation has caused late payments on my credit report! My credit is now ruined because of this. Because of XXXX XXXX XXXX, I can not get a refinance, and I can not buy any investment properties. I don't owe the amount shown on my the statements that I have been receiving. I really want to sue at this point. I would like for you to know that my escrow was never paid when I first got this mortgage, leaving an escrow balance that they have refused to resolve. They have continued to make false phone calls harassing me trying to get me to make extra payments that I don't owe. My loan should not be in default, although it shows late payments on my credit report. My insurance has never lapsed and they are saying that I am behind in payments and that I owe {$2200.00} as of XX/XX/XXXX. I have never missed one payment. The payment should be $ XXXX monthly. I have never missed a beat with it. 

Insurance binders have been faxed in to the company multiple times to show that there has been no lapse in insurance coverage. 

The company will not acknowledge their mistake and they won't fix it either. The money was never applied to my account when I first obtained the mortgage in XXXX. Through my own research, I found out that there were two account numbers in question. I tried explaining this to XXXX XXXX. I shouldn't have to keep reaching out to this company and they refuse to fix things. I am afraid of losing my home because of these errors on my credit report and these extra payments that they are saying that I owe. I DON'T OWE! 




Sincerely, 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 explanation
Consumer complaint received 2015-12-04
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
My Godson, XXXX on XX/XX/XXXX due too mortgage loan servicing abuse by XXXX XXXX and foreclosure abuse by Citibank. He was never served, the process server lied about service, and we have proof. He was only XXXX years old and XXXX in the house he built from his own savings. After his death, his father, an XXXX XXXX Veteran presented XXXX XXXX with his son 's death certificate, and asked XXXX XXXX if he could take over the mortgage because he wanted to keep the house in remembrance of his son. He also wanted to donate the house to a non-profit that house homeless Veterans with families. XXXX XXXX told the Father if he got probate then they would discuss the loan. The father a XXXX citizen Veteran paid {$2500.00} to a probate attorney and received probate, and when the father called the XXXX XXXX, they would not take the call, would not return the call and later the father found out that XXXX XXXX had went into court and had XXXX appearances in front of the court ( without serving the father ) asking to complete the foreclosure. We found a lawyer that told us she went to court and had the foreclosure reverse and that the bank must speak to the father. The problem with this we never found evidence of this hearing, and secondly XXXX XXXX hired another law firm to go back to court to get foreclosure again. Later we found out that the mortgage is really from Citibank. XXXX XXXX in XX/XX/XXXX, the father has had probate since XX/XX/XXXX but has not been able to speak to no one at either bank. Can you help? I read about the consent judgement and this case is a good candidate for settlement to at least XXXX 's Father. Thank you, XXXX at XXXXXXXXXXXX please in subject line put XXXX. We could n't find the loan/mortgage number because it was blacken out with black marker in the legal files. We are guessing its a FHA mortgage.

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