BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-05
Company: CITIBANK, N.A.
State: VT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My husband has died and I am filing bankruptcy because of all his bills and other bills. 
Under the guidance of my bankruptcy lawyer i was told to just continue along with the mortgage payments and keep them all paid! As I have done! The finance company NEVER sent billings about 7mo after he died, i just kept paying them on the account number i had on the billings, even after billings stopped! I never received ANY mailings from them WHAT SO EVER! In the mean time I have signed the bankruptcy papers but NOT gone to court yet. Then I take it upon my self in good faith to call the finance co to see where the account stands, only to be told the account is now behind 3 months! And because I am not authorized with out being the Executor on the account they cant talk to me! So now not only do I have XXXX payments missing on their end now it will cost me {$260.00} to file for executor. They told me they cant even talk to my lawyer! And XXXX XXXX XXXX day after TRYING to get somewhere with them I RECEIVE ( XXXX ) mailings form them ALL saying the account is in default and NOW THEY want their money OR I WILL be OUT! I WANT to find out where my PAYMENTS went to! My bank verified the checks HAVE been cashed each month on the finance company 's end!!!! I have paid for yEARS to this ACCOUNT number,, but they HAVE another number I should of paid to! BUT NO NOTICES of this change ever came!! I am out my XXXX payments of over {$800.00} PLUS now court cost AND lawyer referral charges to try to get help, plus a stop payment on my next payment i WILL NOT send because they LOST the last XXXX!! And NOW I KNOW they WILL hit me with late and penalty charges and who knows what else! I live on a {$810.00} per month SS check! I find what they ARE doing IS HARASSMENT plan and simple! they have forwarded this loan unto a collection division!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Other

Complaint:
On approximately XXXX XXXX, 2015 I purchased a computer from Best Buy for {$1000.00} and opened a best buy credit card at the same time. They told me that there would be NO interest for 12 months so I thought this was a good idea. I set up automatic withdrawals from my bank account. I have not checked my statements or anything until today when I see that my balance is ABOVE {$1000.00} more than a year later! After doing a bit of digging, I found out that they deferred my interest for the course of the year. So it accrued to be a lump sum of over {$300.00} which was then charged to my account! This is outrageous! Maybe there was fine print that I completely missed, but that 's not how this was pitched to me when I was sold on the credit card. Their fraudlent misrepresentations during the sales process have now caused this situation to manifest itself and I need to find a remedy.

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 2016-06-15
Company: CITIBANK, N.A.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a citigold checking account with promotion code XXXX. I received a secure message verifying that I qualified for the account and had used the code to open the account. Later I received another secure message stating that I had fulfilled all the requirements for the promotion and would receive the promotional XXXX thank you points by XXXX XXXX, 2016. I have now been told by Citibank that I would not be receiving the points even though they have taken {$90.00} in monthly service fees from my account. I 'm not sure how to get my points as they keep pretending that we did n't have an agreement and that I fulfilled my part of the agreement.

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 2016-08-31
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I tried to make an electronic payment from my bank account and the credit card company declined the payment saying it was an incorrect bank account number. I tried making the payment again electronically and again the credit card company would not accept the payment for the same reason. The bank account number is correct and there is more than adequate funds in my bank account to make the payment. Then the company charged me twice for a returned check fee. I tried to get that credited back to me, but they are not doing that. I should n't be punished because of their mistakes. I made a payment by money order and they refuse to process the payment. The only answer I have gotten from the company is that the payment is on hold. No one knows why. I have tried numerous times to rectify these problems via live online chat. The customer service representatives say they ca n't help me. I have spent the last 3 days trying to get help on the phone and numerous customer service representatives and supervisors say they ca n't help me. At the least, this company has a customer service problem. I have wasted 3 days and countless hours talking to people who refuse to help me. I have explained many times that i need to be able to have my credit card available for XXXX XXXX when my school is going to make a scheduled charge to my credit card. They still ca n't help me. Can you?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: CITIBANK, N.A.
State: RI
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Fraud or scam

Complaint:
I switched from my XXXX postpaid to prepaid. XXXX reimbursed me for overpaid fees by sending me a Citibank prepaid card preloaded with these fees ( roughly {$27.00} ). To access the funds I needed to " register '' the card on a website operated by Citibank. This was necessary to have the funds wired to my bank account as I did not want to use the debit card. However, the Citibank website XXXX logs me out every time I either try to have the funds wired or being sent to me as a check. After having tried with different browsers I gave up and started using the card to pay for purchases in order to make some use of the funds. However, to do this, " activation '' of the card is necessary as well and the activation leads to additional costs, depending on card usage etc. Trying to cancel the card is not possible as the website is broken beyond repair for weeks now and the phone number provided only is a robot that is not helpful. 

So XXXX forwarded the money they owe me to Citibank, which provided me with 3 ways of accessing these funds ( transfer to bank account, send check, use card for purchases ), all of them forcing me into an agreement with Citibank which produces additional costs, two of them not working at all due to website errors, and no working way of cancelling the card.

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 2016-09-25
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Transaction issue

Complaint:
This is a complaint regarding the credit sales practices of Macy 's department stores. When I was checking out to purchase an item a few weeks ago, I was convinced by the sales agent to purchase the " Thanks for Sharing '' promotion. The agent told me that I would receive 10 % of the purchase price as a statement credit in exchange for paying the enrollment fee of {$25.00}. She confirmed that the 10 % off would directly reduce my statement balance. As a result of agent 's statements, I purchased enrollment in the program and also purchased a more expensive item. 
I received my XXXX/XXXX/2016 statement and there was no statement credit for 10 % of the purchases. I called the customer service line listed on the statement. I explained the situation to the telephone customer service representative who told me that the sales agent told me false information. The representative told me that the 10 % does not come as a statement credit but rather as a rewards credit and later on, I would get a gift card. I am not in a Macy 's rewards program and my credit card account statement does not have any information stating rewards were accrued to me. I asked for a 10 % credit to be applied to my account ( what I was promised when I purchased enrollment ) and that request was denied by the representative. I asked for the terms of the program to be sent to me and to have someone call me back regarding my complaint about the program. The representative told me she would have the program terms sent to me but expressed doubt as to whether anyone would contact me regarding the program. 
The deceptive statement by sales agent resulted in me purchasing a temporary add-on credit card product that will not provide the benefits promised. From what I was told by the customer service agent, my lack of enrollment in the rewards program precludes my accrual of benefits in an alternative, inferior, method of benefits. Macy 's should not have sold me an enrollment in XXXX program that requires membership in a second program when it knows that I am not a member in the second program. 
I would like a 10 % statement credit to be provided. Additionally, Macy 's should provide comprehensive training to its sales employees and implement a system of controls to manage the risk of making deceptive claims in sales.

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 2016-04-17
Company: CITIBANK, N.A.
State: KY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2014, I unexpectedly lost my job and my wife was battling serious medical issues. We proactively contacted Citi mortgage and requested assistance with a home refinance or modification. The Citi representative informed us that we were not eligible for any home assistance because we had never missed a loan payment in ten years. The Citi representative told us the only way we could get assistance was to get behind in mortgage payments. In 2014, my credit score was XXXX. It took me ten months to secure out of state employment again and during that time we did fall behind on our home mortgage payments as we informed Citi would happen without assistance. We followed Citi 's advice and have been trying to get approved for a mortgage loan modification for almost two years. 
In XXXX, Citi wrote off the {$69000.00} second mortgage as bad debt because we were {$5000.00} behind in payments. We had been making some payments on the loan but stopped when a Citi representative told us it was n't necessary while the case was under review. We have been given inconsistent direction from Citi representatives throughout the entire process ( very frustrating ). I have been making payments on the first loan as best we could to show good faith, but have been waiting since XXXX for a decision on our loan modification request. 
We feel Citi is intentionally trying to foreclose on our home by preventing us from completing the loan modification process. We have provided them with all requested documentation numerous times only to be told something has n't been received or was n't completed properly. Each time we submit information, it takes several weeks to get a response and then they request us to submit the same information again. The current loan specialist assigned to our case is supposed to call weekly and has not called in the past two weeks. She has hung up on us during previous conversations when we press for explanations and does not respond to email requests for information. Trying to complete this loan modification process is causing XXXX and XXXX on us. We feel we have been unfairly treated by Citi, despite our good faith efforts to provide them with all required documentation. We are no closer to completing the loan modification after two years of effort. We want to keep our home but we need assistance 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 explanation
Consumer complaint received 2021-01-08
Company: Chime Financial Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
chime closed my account with my deposit of {$7600.00} still in it from unemployment XXXX say I can't get a refund never used my card I also have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I submitted a complaint against Scottrade Bank, regarding a dispute about unauthorized transfers within my Scottrade Bank and XXXX XXXX Account. Scottrade Bank did not respond to my complaint after three weeks. I then sent a certified letter to Scottrade Bank asking about their dispute resolution procedures and have still not received a response months later. I submitted a final complaint asking about if there was an arbitration contract and how I could initiate a XXXX party dispute resolution process. Scottrade Bank did not respond. 

I am writing to the CFPB, in hopes that a cooperative resolution resolution can be reached where Scottrade Bank and their affiliates provide appropriate responses to my inquiries. Based on the behavior of Scottrade Bank and their employees, I am worried that Scottrade Bank is attempting to " bury '' this issue because investigation into the matter may reveal corporate or employee fraud and wrongdoing. 

I have attached a draft document outlining some of the actions by Scottrade Bank and intend to follow up until this matter is resolved.

Company response to consumer: Closed
Consumer complaint received 2015-11-12
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I was a customer of Scottrade. Scottrade was hacked over two years ago and has done absolutely nothing to help. The identity theft insurance provided by Scottrade does n't work ( the phone number and sign up page will not access my information ) and even if it did work it is only for 1 year and is not retroactive. 
Scottrade was hacked over two years ago and Scottrade thinks it is appropriate to provide 1 year of NON-RETROACTIVE identity theft insurance that leaves a two year gap, where customer are uninsured and have potentially dealt with very serious cases of identity theft.

Company response to consumer: Closed
Consumer complaint received 2015-07-06
Company: Delray Capital, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Received an automated phone call at XXXX EST today. The message referenced a " recent transaction involving your bank account '' and then a case number was provided. After researching the number online, I found that it was yet another scammer ; they seem to love me. I 'm thinking they might be trying to collect on the same debt as the company in my previous complaint were.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Account Brokers Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was ordered to pay on a judgement for Account Brokers of XXXX County. I was garnished and they took {$2000.00} for a {$1200.00} work of debt. I pulled a credit report and show an {$18.00} collection for interest. I was not contacted by them and do n't have any accounts with them anymore or with XXXX XXXX XXXX XXXX or XXXX physicians which were the original medical collections. They have reported this to all XXXX credit bureaus as well. They have also refused to update the credit bureaus showing that I have paid off their collection accounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
Continue case # XXXX. CHASE has failed to answer my statement that I phoned CHASE on XX/XX/2015 to block all charges from XXXX, and CHASE had promised me. But on XX/XX/2015 CHASE accepted a charge of {$360.00} from XXXX, and have me to pay for it. I denied this charge because XXXX had failed to provide good services to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: SQUARETWO FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I received a credit card from XXXX. I was XXXX in the space of five years and could not pay what I owed them. Anyway the debt of {$9100.00} went to CACV of Colorado - a collection agency. In the meantime, XXXX XXXX XXXX bought out the original company. A judgment was issued in XXXX against me for this debt by CACV. My medical bills totaled around XXXX dollars so I had no choice but to file bankruptcy. It went through in XXXX of XXXX. My husband died in XXXX XXXX and as a result, I may have to refinance the house. To my utter shock, the judgment was listed against the house which was financed in my husband 's name alone. And the total is some {$320000.00}! I believed the debt to be discharged by the bankruptcy especially since both the original creditor XXXX XXXX XXXX XXXX XXXX and CACV were listed on it. I never heard anything else from XXXX XXXX XXXX but CACV insists that I owe this money - an exorbitant amount considering that the original was far less. I never received any notice whatsoever about any of this - only for the original amount in a letter in XXXX. I never heard from them again.

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 2016-10-26
Company: SQUARETWO FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I 'm trying to refinance my home and I was told I have a judgement against the property. No idea., I have lost so much since the housing meltdown. My business and property and lost my job. 
Finally have a job underpay. I have so much going on., now this cach LLC sue me claim they serve me., which is not true. 
Now XXXX told me they ca n't continue till the judgment is clear. I do n't know What to do., they file the judgment XX/XX/XXXX. I believe it was charge off by XXXX XX/XX/XXXX/XX/XX/XXXX Please help 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 explanation
Consumer complaint received 2015-06-20
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not know this company and never done business with them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: SQUARETWO FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
CACH LLC has default judgment against me for a XXXX XXXX Credit Card debt. I was XXXX served or notified I had been sued and a lawauit pendingpending. Had I received notice I would have responded! I would have disputed the debt, /collection practices, business accounting errors and amount owed and refusal to credit payments and/or requested mediation. Would have done anything to prevent a default judgment against me!? It was a debt incurred only by dental work I needed. My dentist promoted and signed me up for XXXX XXXX XXXX I had no dental ins or any other way to pay for dential necessities such as XXXX etc. Dentist required payment in full at time services were rendered! I had no other way to receive dental care! this acct was opened in XXXX! Over the years XXXX reported me as late or a payment not received ( in error ) which affected the cc agreement, terms and int rate. They changed terms of agmt during a hardship agreement and XXXX int and more, late fees, penalties for making min amount payment due. They agreed to in hardship agmt..Acct closed XXXX and last payment I made was XXXX XXXX. Charged off different amount. lawsuit amounts were exceedingly more and did n't notify me at all of judgment which just learned of through aa recent notice of appt of receiver to garnish my accounts which can remain in place forever. This was 7 years ago and I really do n't have anything to garnish. I have kept good financial records.

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 2015-06-25
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently working through the process of getting my home out of foreclosure. I am working with a Housing Counselor that is helping me mediate a loan modification with my mortgage company, Flagstar Bank. I was instructed to begin dialogue with XXXX point of contact person at Flagstar Bank. A letter was sent to me XX/XX/XXXX, notifying me whom my contact person would be, XXXX XXXX. Since that time, over three months now, I have been unable to reach XXXX XXXX. I am often directed to an automated message or an associate who is unfamiliar with my loan circumstances. I have been given incorrect information from other agents, and even reprimanded for requesting to speak to XXXX singular point of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
COLLECTOR UNLAWFULLY PULLED MY XXXX CREDIT PROFILE ON XXXX/XXXX/2016, FAILED TO VALIDATE DEBT IN VIOLATION OF FCRA! ALSO, CALLED CELL, WORK AND OTHERS SKIP TRACING A DEBT I DO NOT OWE. I AM DEALING WITH ORIGINAL CREDITORS ON ALL DEBT. ( ATTACHED PLEASE FIND CELL AND OTHER DICOVERY )

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