BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-24
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have sent CFPB a complain early this year, case number XXXX and XXXX, regarding my mortgage modification with XXXX XXXX XXXX and Seterus. XXXX gave me a modification on XXXX XXXX, but then the loan servicer transferred to Seterus after that. I have paid all the XXXX required payment to make the offer final. However. Seterus starting to return my payment from XXXX XXXX, I was not able to get a solution, which forced me to contact CFPB. Now, after a whole year of struggle, I have got a Seterus offer, however there are substantial difference which I want answer but not get yet. 
I have talked to XXXX XXXX ( loan owner ) and Setetus, but was told that I had better to sign the contract otherwise it will be void and I will have to go through the whole process again. 
The new offer did not even give me a full account of how the total amount of the loan is calculated, why there are substantial difference between the terms and conditions of the XX/XX/XXXX and XX/XX/XXXX one. This loan is going to be with me for 40 years. How can I be expected to sign something that is not clear to me? I have got a letter recently from Seterus, in the letter Seterus admitted that there are errors in calculate the loan amount. How can I be expected to sign it when the offerer already knew something is wrong in the offer, and not yet correct it? 
My concern is that the deadline of this offer is XXXX/XXXX/XXXX, which is 7 days later. Although I have a written question list sent to Seterus, I have not get any answer yet. Although Seterus admitted that its offer has errors, it has not corrected it. My XXXX payment to the offer is been returned by Seterus, just as my XXXX payments to Seterus. All these evidence signaled me that Seterus did not really want to give me an offer as the one XXXX gave me. Seterus just wanted to appear that they gave me an offer! All they want is to have me to start the whole process again and force me to pay a lot more than what I have been offered now!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016 I found out that CITI bank illegally charged me {$280.00} from my personal savings plus acct. I had already filed a complaint against CITI bank per my previous complaint for total XXXX different issues including fraud, unsafe deposit, fail to pay promotional bonus {$900.00} and thank you points XXXX, illegally put XXXX charges each for {$64.00} to my savings plus acct which never occured any monthly fee before. Plus a {$25.00} fee due to theft and unsafe deposit happened transfer fee. 
I can not stand CITI bank illegally charged me another {$280.00}. This bank never brought me any benefits but all losses, harassment, extremely unpleasant bank experience. I am asking this bank to return my money {$280.00} immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-06
Company: Advance America, Cash Advance Centers, Inc.
State: WI
Product: Payday loan
Issue: Can't contact lender

Complaint:
i called and talked to someone there and told them i am taking care of my XXXX year old grandma with XXXX from XXXX everyday right now. i JUST found out my XXXX year old brother has XXXX XXXX XXXX and will be in a XXXX within a month, and i am a victim of identity theft for a 2nd time per the feds since XX/XX/XXXX i also explained this to someone there. no matter what i tell them its " I GOT TA HAVE IT NOW, NOW, NOW!!!!!!! '' I JUST NEED THEM TO STOP CALLING ME MULTIPLE TIMES A DAY AND COMING TO HOME AND CALLING MY FAMILY. this a VERY difficult time right now. and per my doctors orders NO PHONE CALLS until i see him next. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2016, I was prompted to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. XXXX Citi ThankYou points equals {$400.00} in gift cards as stated in the terms and conditions I received when opening this account. 
After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 
On XXXX XXXX, 2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. On XXXX XXXX, 2016, I did not receive my bonus points as promised. 
On XXXX XXXX, 2016, I initiated an online chat via the Citibank website with XXXX and explained that I did not receive my points. XXXX said I should have already received my points. An internal investigation was opened. Case number XXXX. 
On XXXX XXXX, 2016, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a ThankYou Points promotion offered in conjunction with the opening of your account. '' On XXXX XXXX, 2016, I appealed this denial, citing written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 
On XXXX XXXX, 2016 XXXX at a Citi customer service center informed me that the offer in question requires the original bonus mail insert, which would have been sent out 6-8 months ago. 
It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. I disposed of this mailer after opening my account, and it is unreasonable to expect customers to keep old advertisements for over 6 months. 
On XXXX XXXX, 2016, My appeal was denied. I appealed again. 
On XXXX XXXX, 2016, XXXX at the Citigold customer service department acknowledged my appeals and attempted to submit my case to the Escalations Unit. She apologized for my experiences and said that many other clients are in the same situation. 




I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2021-03-20
Company: Phoenix Financial Services LLC
State: IL
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 contacted the creditor that was listed on my credit report to inform the company that this account doesn't belong me, nor have I authorized anyone to use my information for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
complaint against Citimortgage , Inc who refused to give me a fair appeal process after loan modification denial. Citimortgage sent notification to me on XXXX/XXXX/16 stating all foreclosure activity would be stopped until determination was made on my loan modification request. Short Sale was scheduled for XXXX/XXXX/16. No call nor notification was received from Citimortgage, nor my Citi mortgage rep, Nor Citi 's lawyer to state the short sale was stopped. My personal rep kept calling Citimortgage for 3 days with no avail ; finally, on XXXX/XXXX/16 after calling Citi for XXXX hours she finally spoke to a manager to ask about the stop of the short sale, noone could give and answer. I had to take a day off from work to personally go to the sheriff dept to adjourn the short sale on XXXX/XXXX/16. Later, my rep got another manager who said the loan modification was denied. My personal rep requested the denial letter and the terms for the appeal process. She was told the denial was not generated from the system as yet and noone know what the letter states. We had to wait for the denial letter. She made an appointment to speak with the Citi rep handling my file who took 2 days to have a phone conversation in regards to a sensitive matter. On XXXX/XXXX/16 my personal rep spoke to my citi rep who would not give a reason for the denial, since the denial letter had not been received. She also request the appeal process guideline requirements and questioned Citi as to why the short sale wasnt stopped during the review process. She was simple told the Citi will not stop the sale. The same evening of XXXX/XXXX/16 my Citi mortgage assistant rep XXXX XXXX sent me an email ( after normal business hours ) requesting additional documentation, pay stubs, etc, to be submitted to the underwriters because of the impending sale date. I was asked to upload all requested documents to my file by XXXX/XXXX/16. Giving only a few hours to turn in documents for a appeal. The original denial letter was now received on XXXX/XXXX/16 which states my income wasnt enough to modify. However, the income stated as documented was only XXXX of my actual income and my rental income was n't considered.. On XXXX/XXXX/16 I received a letter dated XXXX/XXXX/16 saying all my documents are in review. I 'm not sure if the letter is based on the new documents requested in the unfair appeal timeline or an generically generated letter. This has been an extremely extremely stressful process with Citimortgage and their process that cause undue stress on me and my family..

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 2015-09-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX I received a notice from Macy 's American Express that my account was overdrawn. Knowing that I had not used the card since the original purchases I made when I opened the account more than a year ago, I contacted them and reported the fraudulent charges. It was a frustrating phone call and process - which took about 45 minutes. When I received the fraud packet in the mail a few weeks later, I completed and faxed all requested information back to the company as directed, two weeks prior to the deadline. For the last 4 weeks, I have been unable to successfully speak with the fraud department or anyone on behalf of Macy 's American Express to determine where they are in the investigation. Every time I call, it says that the office is now closed ( I have tried through out the day, up to 10 times or more a day ) or I am rerouted to someone in collections and it takes a long time to explain that I am not delinquent on the account or going to make a payment on it because I am not responsible for the charges. I am getting harassing collections calls daily. I have explained that the charges were fraudulent and the I have filed a claim but the calls have not stopped and the callers do n't listen to what I am saying but instead ask me to make a payment. I am very clear in explaining why I 'm not making a payment. Finally, after long wait times and having to insist several times that I need to speak with the fraud department, I was transferred to a woman in fraud prevention ( note prevention, not investigation ) who explained that they recently converted to a new phone and computer system and she could n't see any record of my filing the complaint, but said not to worry because it was probably part of a 4 week back log in the department. I asked her what I could do about the collections calls because I am concerned about my credit. I said that it would seem that the system they use does not " share '' information in a way that would prevent the harassing phone calls while a fraud claim was under investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I am writing due to a misunderstanding regarding payment resulting in late fees and interest. The new balance of {$18.00} with a payment due date of XXXX/XXXX/16 was originally handled via ACH in a phone conversation with Citicards representative in XXXX. My wife and I always pay our bills in full and on-time, as attested to by our credit history and rating. 

The next statement ( payment due XXXX ), arriving less than two weeks after the original payment-due date, indicates a balance due of {$55.00} and the Citicard phone representative XXXX told me that it was actually {$74.00} due to additional late fees. 

I believe that an error in understanding, or otherwise, is behind the " missing '' payment of {$18.00} ( due XXXX ). 

I am asking that the late fees be removed this time. If so, we would continue as customers. 

On XXXX/XXXX/16 I paid {$36.00}, what I was told was the full amount due from XXXX identical monthly automatic transactions of {$18.00} each. This was to be payment-in-full for all monies owed to Citicard. Yet now ( XXXX/XXXX/16 ) Citicard tells me another automatic transaction of {$18.00} was charged on XXXX. However, again, I was told on XXXX that we only owed for XXXX transactions of {$18.00} each and my payment of {$36.00} that day covered all owed except for the interest charges. There should be no balance except the " interest charges ''. 

Additionally, the late fees appear to amount to well over 100 % on an annualized basis. Perhaps it is a calculation error but it does not seem reasonable or lawful. 

I sent, on XXXX, a XXXX letter to Citicard Customer service explaining all this and only received a general form letter reply that did not acknowledge any of the facts of this case. 

We always pay our credit card bills in full and on time. If Citibank is willing to calculate the interest charge on the original {$18.00} ( on the statement with payment due date of XXXX ) for one month, we would consider paying that to finally conclude this matter in a fair manner, especially when considering the considerable time I 've taken to resolve it and the rudeness of some Citicard representatives. 

Most recently, I spoke today with a Citicard supervisor, " XXXX '', ( employe id # XXXX ) who was rude and in need of retraining in communicating with customers.

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 2016-10-03
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, XXXX I was forced to relocate from XXXX to XXXX for my work. I was a single mother at the time and was purchasing a beautiful new townhome for my daughter and I in XXXX. I used the funds from my divorce settlement to purchase the home in XXXX. Before I moved out of state, I secured good tenants whose rents more than paid the mortgage on this home in XXXX. The mortgage was with XXXX XXXX XXXX. 
After my relocation to XXXX, the economy deteriorated rapidly and I was left with no choice but to file a Ch. XXXX XXXX in XXXX. As part of this filing, I surrendered my home XXXX and asked my tenants to move out. 
XXXX XXXX XXXX SOLD the mortgage to Ocwen who then SAT on the house until XXXX! In the meantime, I was sent to collections over and over again for past due XXXX XXXX dues for a property that I could NOT RENT and the bank WOULD NOT sell! 
When the foreclosure was FINALLY completed in XXXX, I was so relieved to be finished with YEARS of harassment and damaged credit that I had been trying to repair. 
I checked the XXXX XXXX XXXX 's office earlier this year and the bank did sell my home to another person in XXXX, XXXX. 
So imagine my surprise when I received a letter dated XXXX XXXX, XXXX from a collections agency for the XXXX XXXX stating that they had obtained a BANK LIEN against me in the amount of {$2300.00}. I was never even served! They do know that I live XXXX and could not have travelled to XXXX to defend myself. 
I have now been forced to retain an attorney XXXX to look into this matter. If I could sue XXXX XXXX XXXX and Ocwen for what they have put me through, I would do so. However, I know I would never win. This situation HAS to be illegal. How can I be pursued YEARS after paying a 5 year Ch. XXXX in full and losing my home in the process?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: ID Analytics, Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I applied for a XXXX XXXX XXXX XXXX Credit card and was denied. I received a letter dtd XXXX/XXXX/2016 stating the reasons for my denial was based on deliberate and egregiously inaccurate information provided by XXXX XXXX/XXXX. First they claimed by credit score was XXXX which is a complete fabrication, as my Credit score is actually XXXX from both XXXX and XXXX. Inadditon they provided Misleading information on my length of stay at my current home address, along with the fact that I had insufficient number of credit references and had limited deposits on file with XXXX XXXX XXXX. All information they deliberated fabricated was completely false, misleading, not even remotely accurate. It has cost me a significant saving on the purchase I was making at the time along with expenses of sending certified letters to the XXXX, the Credit Card agency and XXXX. As a reporting agency they failed to validate the information before denial or sending it to the bank.

Company response to consumer: Closed
Consumer complaint received 2015-08-11
Company: M&T BANK CORPORATION
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
M & T Bank allowed XXXX to charge my debit card in the amounts of XXXX on XXXX/XXXX/2015 ( XXXX late fee ) & XXXX on XX/XX/XXXX ( XXXX autopurchase ) I contacted the bank and advised these were unauthorized charges and disputed the charges. I was given a provisional credit for the charges only to have it reversed and M & T sending me a letter stating the charges were not in error. They also send me a invoice for a purchase my daughter had made on XXXX/XXXX/2015 for XXXX with her amozon account information and email address. Not my account nor did I made a purchase from amozon anytime this year. The book was purchased using my daughter account with amozon and other means as this was not a purchase with my debit card nor did I authorize the withdraws and still am disputing these charges. M & T Bank 's representatives stated many times because XXXX has my account information from a prior purchase they can withdrawn the funds from my account? How can they take money from my checking account and the bank allows this without my authorization just because they have my information. M & T sent me a invoice to show me the reason for the charges was a purchase on XXXX/XXXX/2015 using XXXX XXXX account at amozon in the amount of {$26.00} dated XXXX/XXXX/2015 and shipping slip for XXXX/XXXX/2015 and they reversed the credit for a book that my daughter must have bought with her debit card ( no charge on my account for a book on XX/XX/XXXX or XX/XX/XXXX for the initial rental. I do n't think because the company had my information they should take it out of my account because we have the same address and they assume I have a book? This is not my purchase. The bank should reverse the debit to my account from amozon and not allowed this to happen. I want my money taken from my account returned as they took it without authorization to do so just because they had my account information? That does not make it ok

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency is attempting to collect for XXXX XXXX XXXX. They are " balance billing '' after XXXX XXXX XXXX agreed and accepted payment in full from my insurance company for services. they have also contated my plae of emplymen and disclosed my debt to my coworkers who came to me and informed me that they did not think that was legal or right.

Company response to consumer: Closed
Consumer complaint received 2015-04-03
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
About a XXXX and a XXXX ago, My Lady had come up with some medical issues and we had some medical expenses that were unexpected, we fell behind on our mortgage payment and we tried to catch up for about XXXX months, So after all the XXXX and anguish, not being able to sleep, and My Lady crying thinking we were going lose the house. We were only XXXX month behind all this time. So we decided to ask for a payment plan to catch up. At this point they granted us XXXX, So after XXXX months we were finished with the plan to catchup, So when we went to make our regular payment after the payment plan they said that we were a month behind, and I had asked them how could that be we just got off a plan to catch up, and to this day they can not give Us a Liable Reason for being behind a month " Again ''. This has affected our credit score in a really bad way, in which they said that it would n't while they would be investigating the matter. We have tried to refi the property but the result of their lack of responsibility to resolve this problem has put our credit score to where nobody will even try to help us. this has been a on going problem with them going on XXXX months, I call them at least XXXX a month to see what or where they are with the issue and all they want is the full payment of XXXX months, and when I ask about the matter that is suppose to be investigating they transfer me from XXXX department to another with representative that do n't know what to tell me or have no knowledge of what I 'm talking about and transfer me again, All we want is to get our credit fixed from this and have a local mortgage company carry our loan from now on, we can not go on with this, it 's unbearable and XXXX, We are not the smartest people in the world ... But we do know when things are not right. Please Help Us!!

Company response to consumer: Closed with explanation