BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-25
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I lost my Earnest Money deposit due to the Lender company ( Loandepot ) backed out on the closing day after ready to close. 

I have signed a contract to buy a property on XX/XX/2021 and worked with Loandepot lending officer XXXX XXXX ( XXXX # XXXX ) on getting the loan. 
I have submitted all my documents requested by XXXX ( lending officer ) including the litigation document related to the purchase property. 
All the documents were submitted for underwriter approval and we got the approval on XX/XX/2021 ( Loan # : XXXX ). 
As the loan contingency removal was due on XX/XX/2021, I took the confirmation from XXXX and removed the loan contingency on XX/XX/2021. 
On the closing date XX/XX/2021, I was informed that the loan can not be funded for that property due to some reason ( I did not receive any official email/mail stating the reason till today ). 
XXXX informed me on the phone that there's an issue with the property and they can not fund it and her assistant XXXX XXXX informed the sellers agent. 
Seller 's agent issued me a demand to close and gave me 3 days to respond with a clause that I'll be loosing my deposit ( {$19000.00} ) if I don't close the transaction. 

As it was clearly a miss from the Loandepot, I asked XXXX about the options to get my earnest money deposit ( {$19000.00} ). 
She mentioned that she is going to work with her manager and initiate the process to refund my EMD amount {$19000.00} from Loandepot. 
After continuous follow ups, I only received a reply over the phone saying its still in process. 
XXXX promised me to get my deposit back saying it was completely their fault so I started looking for other properties and was working with her again. 
But recently I received a call from XXXX and her manager XXXX XXXX to discuss on the XXXX refund. 
XXXX XXXX ( XXXX # XXXX ) spoke to me and mentioned that he can not do anything about my deposit and asked me stop following up on this matter. 
He was a bit rude and was not ready hear anything that I have to ask or say. 

It was so devastating and I don't know what to do. 
Its a huge amount for me and please help me with this issue in getting my money {$19000.00} back. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: CITIBANK, N.A.
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account with Citibank on XXXX XXXX, XXXX. I entered the promo code " XXXX '', which was for a XXXX AAdvantage Miles bonus. I completed all the requirements of the offer : one bill pay in two consecutive months and spend at least {$1000.00} in debit card purchases with their respective debit card. I made the qualifying bill pays in XXXX and XXXX and completed the {$1000.00} spend in XXXX. I contacted Citi via online chat session on XXXX XXXX after I finished all the requirements needed and chatted with XXXX who checked my account and told me I correctly completed the requirements and should receive the bonus miles no later than XXXX XXXX, XXXX. I contacted Citi again in XXXX to see why I had n't received the promotion. They sent me an email a week later saying I was never targeted for this promotion and I wo n't be given the promotion. I 've looked through my files and emails, but have n't found the letter or email that had the original promo code on it. How can they take away the promotion after I 've met the qualifications? If I was never targeted for this bonus, why did they let me open the account, give me a promotional disclosure with the rules, tell me I would receive it over their online chat session, charge me a $ XXXX monthly fee for the account ( {$90.00} deducted total so far ), meet the rules and wait all this time before finally telling me, after I had to contact them numerous times, that they are n't giving it out?

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 2016-04-04
Company: National Credit Adjusters, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX, I began having financial difficulties, so I turned to online loans in an attempt to make ends meet. I had received a mailed solicitation from XXXX, so I went to the website given on the card ( XXXX ) and took out a loan of {$2600.00} on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, XXXX took the first of a series of automatic deductions from my bank account. XXXX took the following amounts, on the dates shown : XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) These deductions are documented ( red underline ) on the bank statement copies attached. Note that on the last statement, XXXX took XXXX additional deductions that were returned unpaid, as my account was out of money by that time. Only the payments to XXXX that actually went through, are underlined. 

Therefore, I still owe XXXX {$380.00} plus a reasonable rate of interest. 

XX/XX/XXXX, after my financial situation had stabilized, I set about resolving my online and payday loans, of which I had taken out a total of XXXX. It was ( and is ) my intention to repay each lender what they loaned me, plus a reasonable rate of interest. While a number of the lenders worked with me to settle my loan under these terms, XXXX unfortunately refuses to do so. 

On XXXX XXXX, XXXX, I called National Credit Adjusters, which had purchased my loan from XXXX ( account # XXXX ; NCA reference # XXXX ). I spoke with XXXX XXXX, and offered to settle my loan for {$400.00} ( balance plus XXXX % ). He refused, so I offered a maximum of {$500.00} ; XXXX XXXX replied that " that is not an option '' and he then accused me of " pressuring '' him. He countered that he would settle my loan for {$1200.00}. This amounts to an interest rate of 35 %, and is therefore unacceptable to me. 

I tried calling XXXX XXXX again on XXXX XXXX, XXXX, and got the same result. XXXX XXXX has also called me several times, but in each case he insisted on {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
While traveling overseas, I was given a drink that was XXXX for several hours. During this time my wallet was stolen, a merchant initiated fraudulent transactions totaling over {$20000.00} across every credit card in my wallet, then after I had awoken ( and not realized I was XXXX ) my wallet was returned to me as " found ''. I did not realize these charges were made until I saw fraud alerts on my phone the next morning. 

I have attempted to resolve the issue with Chase multiple times and they have rejected my case and declared " You notified us that this transaction is valid '' This is false. 

The charge in question was to a merchant I never visited nor can I identify. An internet search of the merchant yields no results and does not appear to exist. It was XXXX of the XXXX merchants that initiated charges on my cards that night. 

I have tried to contact them multiple times and have been told someone will contact me within 24-48 hours and no one ever does.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: CITIBANK, N.A.
State: PR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Credit card account with Sears issued by Citibank was wrongly reported as a charge off to the credit bureaus after being closed by Citibank. Account received monthly payments as required but reported after due date and without notifying any late payment, past due balance or any contact for orientation account was closed affecting my credit. After closing account the balance was paid in full in XX/XX/XXXX, in my XXXX credit report is reporting as it was closed on that date XX/XX/XXXX affecting more my credit score because the account was closed on XX/XX/XXXX. Account was opened on XX/XX/XXXX and closed in XX/XX/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 2016-03-09
Company: Esser, James & Associates
State: CA
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:
On XXXX XXXX, 2016, XXXX XXXX from Esser James & Associates called my brother 's home and spoke with my sister-in-law. He told her that legal action would be commenced against me and that my social security was going to be investigated. He also told her it was a time sensitive matter and threatened legal action if I did not accept his " help. '' I have no idea what this is in regard to and have no record of him attempting to contact me directly. He shared my information with a third party, but never identified himself as a debt collector nor did he ever advise that the telephone conversation would be monitored or recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Hello I applies for this Citi XXXX Credit card because, I saw it being beneficial for my job as I travel about every week and so does my son. While being out on a business trip they blocked my card and I called several times telling them I did n't not have any funds to go back to my home. They told they did not care and I asked about their travel insurance that they had and they did not even care to help me. It has been approximately 3 months and I have sent my social security copy, Driver license, Mortage statement, Water utility Bill, Faith of loan of my house to verify address. Regardless of all this they refuse to unblock my account and I am tired of having to deal with calling and waiting for hours to try to resolve this issue. They have impacted my job and have wasted over XXXX Hours of my time with this issue. I told them that my son has an extra line and that is what I use along with my company cell phone number and regardless they refuse to help me. I am tired frustrated and simply had enough with them. They already charged my annual fee of XXXX dollars and sent the statement but, yet they refuse to activate my card. I have lost time, money, and have went through emotional issues because, of being left stranded in another city for work and not being able to rely on them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: DriveTime
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a XXXX Buick Lacrosse CX from Drive Time in XXXX KS. I only had the car for about 3 weeks and only drove it about XXXX miles and a rod started knocking. I was without the car for 2 weeks. Got it back on XX/XX/XXXX and 5 days later the muffler fell of in the middle. The very next day the car started leaking gas. They said when I bought the car that it was inspected which I believe is not the case as what has happened.

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 2015-12-17
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
( XXXX ) XXXX is the number that calls and last contact person said his name was XXXX XXXX with National Credit XXXX. Caller starts off by saying his name then immediately asks for me to confirm my DOB, he does n't state he 's attempting to collect a debt. Before confirming any questions asked I again ask for his name and company info, which causes him to go into a rage saying he 's spoken to me before, that I owe money and he will not help me unless I confirm my DOB. He proceeds to tell me I 'm a dead beat and that the next call he will make will be to my employer. He has also called my parents house as well demanding my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I tried calling the lender 2 times and those representatives were rude. I tried to explain that my husband is sick and in the process of filling for XXXX with the help of his doctors. I am working XXXX jobs and am not able to make the current payments to the lender so I called to find out about forbearance or deferment or possibly reducing the payments until I can get more money to pay. The representatives refused to help and suggested other parties pay the loan, this is uncalled for because it is my loan to pay. The XXXX gentlemen I talked to was polite and able to help a little. If the company is unwilling to work with me to reduce payments or help with deferment or forbearance, I am going to need to look into loan forgiveness or possibly filling bankruptcy with my husband once his XXXX is approved. The company is in the practice of predatory lending and has been under investigation for such things, this is a perfect example of this conduct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Liberty Home Equity Solutions, Inc.
State: MO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We obtained a reverse mortgage thru liberty home solutions. For the mortgage the lien was to include our home and XXXX acres. We also have XXXX acres that is ajacent to our home. When the lien was recorded it was placed on our home and the XXXX acres. The co.has admitted the error and told us the would rectify the problem, It would take no more than 6 weeks. We started this process XXXX. We were in contact with XXXX XXXX XXXX at XXXX XXXX XXXX she was the only person that could handle our account XXXX she said 6 weeks total time to finish. We called here every week to check on progress and all she would say is it is on somones desk and she can not call them as she has no phone number for the co.only an email address. after 8 weeks she refused to talk to us. We were able to contact XXXX XXXX at annother office and she was able to put us in contact with XXXX XXXX who told us he could take care of the problem that was three weeks ago.The first week he called and said he needed the legal descrlption of the property. He the called and said he had someone, a title company to fix the error. A couple cays later we called him and he said that they would not fix it.Last friday XXXX he called and said he had a new title co.that was going to fix the error. He said he would call us on monday XXXX but as usual he did not call us and will not call us back. We had our properyt the XXXX acres sold and they were supposed to close on XXXX the buyer is doing a XXXX land exchange and stands to be penalized XXXX if this sale is not completed by a certain date on XXXX. We are now at a standstill no one will talk to us they wont return our calls or take their phone when we call. We leave messages but they dont call us back. We need them to release the lien on our XXXX acres and have the lien on our home and XXXX acres as it was supposed to be. The company is now named XXXX XXXX XXXX XXXX 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 2016-07-13
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, I have signed up for a Citibank promotion to recieve XXXX XXXX miles for opening a Citigold account and fulfill their requirements. After doing so and receiving confirmation twice from Citibank, they refused to honor their promotion and I have not received my promotional miles. This is false advertising and dishonorable practice to the consumer who legally fulfilled everything they asked. I have documentation of everything.

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 2016-09-30
Company: CITIBANK, N.A.
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citibank checking account and deposited {$15000.00} on XXXX/XXXX/16. I signed up for a bonus that would earn me {$400.00} if I kept the {$15000.00} in the account for 30 days. The bonus code is XXXX. I did leave my deposit in the account, and Citibank accidentally closed my account on XXXX/XXXX/16 with no notice. The only notice I received was the {$15000.00} check with a letter saying account was closed on XXXX/XXXX/16. I feel that I should receive the {$400.00} bonus because I did n't close the account, Citibank did for no reason, and I kept my side of the bargain when I deposited my money, and it was in the account for at least 38 days.

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 2016-11-28
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
Received a Statement saying Account is 1 Month Past due. Minimum Payment of {$210.00} due XXXX/XXXX/XXXX. Called the Customer service which recorded and Gentleman said no Error on account and that there was no late payments and the Balance was no what stated and No changes have been made. He said he would make a note that there was issue with Account. Then I received a letter after discussing such issue the Company had cut my account to where my Credit Limit was below what Balance of card was. When talked to Company today XXXX/XXXX/XXXX XXXX pm the customer service said I had to late payments when I provided the on time payments with reference number. Stating only XXXX. I was 4 days late but paid first late payment. They said that the credit was reduced due to my Credit Score. Which is in question because when I questioned the Customer service why they doubled my Minimum payment that same day the Reduced my Credit Limit to new Balance. I have documents. When asked talk to a Supervisor over issue the said no one could help and would have call me back. With a long time history with on time payment with just few past couple days have had No past due accounts not paid. Question why they tried to double my payment when we pay more than the minimum each month. Also why did sudden change happen after such conversation of why citi asking for more than the Minimum. Two documents show usual payment of {$81.00} to {$200.00} in one month when payment ontime. And they cut my credit limit due to asking this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I recently received a mailing of a new agreement from Citi for my Citi Dividend account informing me of my right to request to opt out of arbitration. I mailed a notice to opt out to the designated Citi XXXX XXXX . Today I received XXXX envelopes from Citi. The letter from XXXX envelope states : " As you requested, effective immediately, your Citi Dividend account is no longer subject to the arbitration provision of your Card Agreement. '' The letter in the other envelope states : " Your Citi Dividend account is still subject to our arbitration provision because your account is n't eligible to opt out of the provision. '' Both letters show my name and address as well as the correct endings for XXXX card numbers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank put a hold on the bank account without notice and said that the address on file was a Post Office or Post Office Box. This is not true. Citibank has returned items and the account has over {$12000.00} in it. No one is helping release the hold. The account has been opened for XXXX years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other

Complaint:
XX/XX/XXXX, I sent my payment by mail to Citi Health Card. I sent my {$580.00} XXXX XXXX money order to Citi Health Card, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX. This address was obtained on their website XXXX. Citi lists this as an address to send payments to. Since then, Citi has not applied this payment, and they can not confirm nor deny that they have received this money. I have spoken to at least XXXX different representatives at different locations, to include XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX, all of whom can not give me a clear answer as to what has happened to this payment and why it has not yet been applied. I did not write my account number on the money, as I did not have that information at the time. I did however write the following " SSN XXXX '', my actual Social Security number, as well as my printed name and signature. This payment was well above the minimum. Please help me to have this money applied to my account.

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 2016-10-11
Company: CITIBANK, N.A.
State: UT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Citi Bank is showing that I have an account open totaling more than {$3000.00} and I 'm an not on that account. I would like it removed from my XXXX and XXXX 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