BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-01
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, XXXXVIA CERTIFIED MAILCitiMortgage, Inc. 
XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXXCitibank, N.A. 
c/o CitiMortgage , Inc . 
XXXX XXXX XXXX XXXX, SD XXXXXXXXCitigroup Mortgage Loan Trust Inc. 
XXXX XXXX XXXX, XXXX, New York XXXXCitigroup Global Markets Realty Corp. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX MI XXXXXXXX, Trustee for Citigroup Mortgage Loan Trust , Inc. 
XXXX, MA XXXXATTENTION : XXXX : CitiMortgage , Inc., Loan # XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXXFIRST NOTICE AND DEMAND TO CEASE AND DESIST ; NOTICE OF RESCISSIONTo Whom It May Concern : I reserve all my rights regarding this matter and hereby rescind the above referenced alleged " loan ''. 
This letter is to demand that all of the above addressed entities Cease and Desist all foreclosure proceedings against the referenced property. I have previously requested documentation that any of the above listed respondents have standing to non-judicially foreclose this Note and Deed of Trust and proof that I owe anything to any of these entities. 
I paid monthly payments on this alleged " loan '' for 5 years ( XX/XX/XXXX to XX/XX/XXXX ) including PMI insurance because I was led to believe that I received a loan. Now, I believe there is a large scale scheme to defraud me, who in good faith signed alleged " loan documents '', without, inter alia, disclosure of the intent by the above listed entities to securitize the Note, thereby allowing many if not all of the above entities to more than XXXX the amount stated on the Note, and demanding monthly payments from me, the misled " borrower. " I am therefore demanding the following:1. Cancellation of the posted Trustee Sale ( noted above ) ; 2. An accounting of all charges and fees associated with the figures quoted in the Notice of Default and Notice of Sale ; 3. Proof that any of the above referenced entities has the right to non-judicially foreclose on behalf of a legitimate loan holder as established by CHBR XXXX ( XXXX ) ; and4. Proof that I actually owe any money to CitiMortgage, Inc. or any other entity. 
Govern yourselves accordingly. 
Sincerely, CC : Consumer Financial Protection BureauXXXXXXXX, Iowa XXXXVia Fax : XXXXXXXXOffice of the Comptroller of CurrencyOCC Customer Assistance GroupXXXXXXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: M&T BANK CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The XXXX XXXX  XXXX bank claims That I opened a personal checking account this year and used their credit line. They claim I owe {$600.00}. I never opened this account and in fact closed my joint account with my father this year after paying off the balance. This is a fraudulent collection attempt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The debt is on my credit report as Portfolio. I have noticed calls on my caller ID from Portfolio but never once is there a message left. How can I know who this is and what they are calling about if they do not leave a message so I can contact them?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Issue: APR or interest rate

Complaint:
I recently received a notice from Chase Bank informing me that the cash advance APR on my credit card would be raised from 19.24 % to 25.24 % on XXXX/XXXX/16. The notice stated that I could reject this change. I called the company to do so, and they informed me that if I rejected the change, it would automatically close my account. In essence, they told me that I had to accept these new terms, or my account would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Nelnet, Inc.
State: GA
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:
I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a car, furniture, credit at the dentist and credit card. Did not get approved and have many hard inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-05-04
Company: NETWORK CAPITAL FUNDING CORP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I Refi 'd XXXX loans XXXXVA, XXXXFHA with Network Capital Funding after closing the funds ststed in the signed DOCs the funds were not distributed as Pre closing docs.. I was told they adjusted the fees and other Items after signing that was not in the closing DOCuments. Se Attachment for details. 
In addition rate discount fees were added from the original GFE, which at the time I did not catch at signing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-21
Company: Diversified Consultants, Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX was paid a final payment of XXXX in XXXX 2016 and they acknowledge it on their end, but diversified consultants keep reporting it to the credit bureau as unpaid. 
It seems as though they could contact each other to straighten this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Convergent Resources, Inc.
State: MD
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:
From XXXX to XXXX I had XXXX. I also had one other person added to my account because they claimed they needed a phone. The person decided they would not pay their bill so I brought my phone up to date and switched to XXXX in XXXX. Prior to that, XXXX charged exuberant prices to which they could not allocate the reason for the costs and wrote them off as hidden fees. XXXX is a very bad company. Fast forward to XXXX, I am receiving letters stating I owe $ $ on a device that is not in my possession nor do I own. The person on my account attempted to send the phone back to XXXX, XXXX claimed they could not take the phone. XXXX has messed up my credit significantly and has set me back 5 years. Without any investigation, XXXX allowed an account under my name to remain open and charged. Now that theyre no longer a company, theyve insistently harassed me over a year for a charge that does not belong to me and subsequently, ruined my credit.

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 2015-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a joint checking account with my mom. I keep it open because it allows me to have free checking on my individual bank account. I went to Bank of America in person with my original marriage license in order to change my name on my accounts. They will not allow me to change my name on the joint account unless the other person is at the bank with me, yet they will allow the other person to close the account and take the funds without my knowledge. As a joint holder I should have XXXX access and be able to change my name with the proper legal documentation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: FL
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:
My personal belongings were stolen from me some time ago when my vehicle was broken into. I never was aware of credit so upon checking my credit report recently and trying to get things in order I noticed some accounts were opened without my consent or knowledge. I tried contacting the companies on different occasions I can recall the dates with several failed attempts to remove this information from my credit report. I submitted a FTC report on XX/XX/XXXX and I sent it to Experian, XXXX and XXXX on XX/XX/XXXX, they received it on XX/XX/XXXX and they have not removed these accounts from my credit report even though the according to the FCRA they're suppose to remove them in 4 Business days. There are 3 accounts XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$10000.00}, XXXX $ XXXX. Included are the FTC report, my dispute letter and proof from the post office and fax document number that I sent these letters and the CRA 'S received 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 non-monetary relief
Consumer complaint received 2015-10-01
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
To follow is a pasted a copy of the letter that I sent to Citibank. 
CitiMortage Customer Research TeamXXXX XXXX, MD XXXXDear Madam/Sir, Our CitiMortgage payoff statement quoted per diem interest of {$84.00} per day. 
CitiMortgage charged at the per diem rate of $ XXXXCitiMortgage charged us interest at this rate through XX/XX/2015. 
The mortgage was paid in full electronically on XX/XX/2015. 
The total CitiMortgage per diem interest charge was $ XXXXThe correct charge is {$2300.00}. 
Please promptly refund the remaining {$200.00} due and mail it to our new address listed above. 

I doubt that this is the first time Citi has issued an incorrect payoff that yields them an extra {$200.00} that they have not earned. I worry that there may be thousands of citizens who have been taken advantage of in this way. Most consumers do not realize that banking in our current post XXXX means that every number and every fee must be checked. Please look into this and let me know how I can help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: AMERISAVE MORTGAGE CORPORATION
State: NM
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of 2021 I reached out to Ameri save to refinance my home. I informed the processor who was assisting in handling my account application that I was interested in getting my home refinanced through them to save money in order to pay for school. 

The processor was more than helpful and super friendly especially when I informed her that I was a law enforcement officer for the state of New Mexico. The friendly behavior continued up until I consented to her company drafting {$500.00} dollars out of my account to lock in a mortgage rate in order continue to the application process. 

During this time, I was task with following up after days and sometimes going weeks without hearing from the processor. At one point I was contacted by another processor who was attempting to get me to pay more money out of pocket. I immediately asked for both processors to contact me to figure out what was going on and why they were asking for more money. The original processor contacted me via telephone apologizing, however never correcting the issue with the miscommunication. 

On XX/XX/2021 I received an email from her informing requesting for me to contact her immediately while stating, all we need is a survey to close on your loan. I left work to get this done and sent the information over to her. I then went weeks without hearing from her. 

On XX/XX/2021 I was finally able to get into contact with her via telephone. She tells me that I was the not approved for the loan. I informed her that I no longer wished to continue with their services after expressing how this was just a waste of everyones time. I requested for my money to be refunded she informed me that my money would be refunded in the next 7 to 10 business days. Well 16 business days have pass and I have not received anything. 

I am not sure at this point if this would be considered fraud since at this point, I am not sure if this is a legit company or if this should be a Civil suit that is filed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Issue: Transaction issue

Complaint:
I used my Citi XXXX to order XXXX XXXX XXXX tickets from XXXX to XXXX XXXX ( {$190.00} each ) and XXXX tickets from XXXX to XXXX ( {$290.00} each ) on XXXX 2016. A few days later, after logging to my Citi online account management and seeing transactions with descriptions of " XXXX '' and " XXXX '', I mistakenly thought that they were fraud charges. I called Citi 's customer service XXXX XXXX XXXX, and asked to dispute these charges. 

During the same phone conversation, I realized that those were the transactions for my XXXX XXXX purchase, so I told the Citi representative to stop the dispute. The Citi representative said " Ok, although I had requested the disputes, I will reverse the disputes ''. Over the phone, the Citi representative said that he has completed the procedures to reverse the disputes and told me that everything has been taken care of. 

After a few days, I logged in to my Citi online account again to confirm the reversal of the disputes, and saw the XXXX original transactions for the airline ticket purchases, the XXXX disputes to dispute those charges, and the XXXX reversals for those disputes. All of these transactions ( XXXX line items ) were dated XXXX XXXX, 2016. 

On XXXX XXXX, we flew to XXXX from XXXX without any issues. However, on XXXX XXXX, when we arrived at XXXX airport, we were told by the airport staff that we did n't have any tickets to fly back to XXXX. So we called XXXX XXXX and they told us that Citi had canceled and refunded those XXXX airline tickets from XXXX to XXXX. Therefore, we had no choice but to purchase XXXX new tickets for total of {$1200.00}. 

When we came back home, we called Citi 's customer service ( XXXX ) numerous times, and every time, they tried to deny any wrongdoing. They claimed that it was XXXX XXXX who made the mistake. We called XXXX XXXX several times, and they told us that Citi requested cancellation of the XXXX tickets and the refund. They showed us the online record of the ticket refund ( however, the refund has never shown on my credit account ). 

In my last call to Citi 's customer service, they firmly told me that they have done nothing wrong and they will not honor my request to refund my original ticket purchasing cost ( {$580.00} ) and will not pay the extra cost occurred for our flights from XXXX to XXXX, which is {$670.00}. 

During my calls to Citi and XXXX XXXX, it is clear to me that Citi did request disputes on all XXXX tickets but only successfully reversed XXXX of the XXXX disputes. Therefore, it is 100 % of their mistake, and they should be responsible for all the consequences. However, Citi continues to deny any wrong doing and would not refund my original ticket purchasing cost ( {$580.00} ) nor pay the extra cost ( {$670.00} ) incurred with our new flights from XXXX to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On Wednesday, XX/XX/XXXX, I got a letter from Online Information Services stating I owe {$460.00} for a XXXX  XXXX  account. I called the company at XXXX and learned this was a utility account in XXXX, TX reported XX/XX/XXXX. I've never lived there and don't know anyone in XXXX. I reported to the company above that this is a fraudulent debt. I then reported this at identitytheft.gov. The woman I spoke to initially gave me a number to call XXXX XXXX, and I tried. It was a fax. I called back to get the right #, and the woman I spoke to said, " We don't give that information. You must have XXXX the #! '' I told her her coworker gave me the number ; she refused to correct it. I called back 1 minute later, got someone else and they gave the correct # for XXXX. I called, and they said, 1 ) " We have no record of account in XXXX for your SS #, '' and 2 ) that they DID send a debt in my name to this company. Yes, they don't have my SS # on an account, but they did send it to collections (??? ). I JUST got another call from Online Information. I said, ( to XXXX ) " I reported this is fraudulent and not my debt last week. Why am I still getting calls. '' She said, " Because that doesn't stop the calls. '' I hung up on her. I want the calls to stop. The debt is not mine, I never had an account of any kind in XXXX, TX, and XXXX says they don't even have an account there with my SS # ( which they also said they couldn't open WITHOUT having - this makes no sense ). Please help me stop harassing phone calls. I've already reported the debt as fraudulent to the company and identitytheft.gov, and they do not respect this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
Company: EQUIFAX, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I was homeless I just need everything dispute off my credit report. I cant get ahead in life with this old stuff on here. Help me please. Equifax, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Stenger & Stenger, P.C
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I recently received notice from a law firm, XXXX XXXX XXXX stating that a lawsuit was filed against me by XXXX XXXX XXXX XXXX. XXXX XXXX is first attempting to collect on a debt that was discharged in court because they failed to appear in court after I objected to the accused charges. Some time has passed and the debt that is claimed that I owe is now time barred. The statute of limitation to collect debt in Michigan is 6 years. I find it unreasonable for me to have to take off from work to file a counter suit against this collection agency when they are knowingly breaking the rules established by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: TX
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 am filing a compliant as my right under FCRA and fair credit and billing act have been violated. I have for several months trying to get the 3 bureaus to resolve this collection XXXX XXXX XXXX Account number XXXX. I have no knowledge of this collection and have requested by certified letter to all XXXX bureaus to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been part of a scam and have contracted my bank ( XXXX ) and am not being taken seriously to stop the scam. I need your help. 







I have received several credits to my checking account x XXXX claims that I did not initiate through Macy 's XXXX XXXX. So far, not bad since it 's a credit - the next step these scammers do is start wiping out your funds. 




The credit card is not mine, however the checking account is. As of yesterday XXXX of the XXXX credits were reversed. Again I did not initiate this either. I spent over 3 hours on the phone with XXXX last week and 1 hour speaking to a supervisor- XXXX from Tennessee ( they give you their location when you call XXXX last night. She said they did not initiate it but the merchant did. Last week I canceled my debit card and have received a new XXXX. I received XXXX letter from XXXX yesterday that said I could have a copy of the transaction and when I spoke to XXXX, she said no, because they do n't have it. 










I said let me get this straight. I did not and the bank did not do anything except follow the orders/transactions from Macy's- which I told you I did not do! Yet Macy 's is able to have access to debit or credit with my funds? 




It was explained that the merchants sometimes clean up their accounts and return funds for bookkeeping purposes. If they did that- they why turn around the next week and recoup x XXXX of the transactions? 




When you XXXX " MACY*S.COM # XXXX there are pages of information, yet XXXX does nothing to block Macy 's from my account. I have a Macy 's card. They certainly know how to bill me or credit me. I also believe that any funds they may have would have been escheated to the state. 




XXXX : XXXX https : XXXX http : XXXX MACY*S XXXX XXXX XXXX XXXX MACY*S XXXX # XXXX XXXX OH I provided Macy 's On Line with the new American Express XXXX card to pay for XXXX pieces of luggage. The total cost was {$480.00}. 




View on XXXXMacy XXXXmacyscomXXXX

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