BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
In XXXX, I applied for and was approved for a Citi XXXX XXXX Credit Card. On XXXX XXXX, 2016, I received an email reminder because I had n't yet activated my card which ended in XXXX. On XXXX XXXX, 2016 I received a second email from Citi saying they received the credit card back in the mail as returned. I own a single family house on a major road. It is XXXX XXXX XXXX. I called Citi on XXXX XXXX, 2016 and informed them of the email and that I had n't received my card. The representative told me he would send me a new card. Just to be safe for security, he would close my account and send me one with a new number, ending in XXXX. On XXXX XXXX, 2016 I called Citi as I still had not received a credit card. They told me I had permanently closed my account on the XXXX of XXXX and would not be getting any credit card. Over the course of 2 hours and 15 minutes I was transferred to 7 different representatives as they tried to reopen the account or issue a new credit card. I refused a credit check since one had just been performed in XXXX, the account was permanently closed by a Citi representative inadvertently, and it hurts my score every time a check is performed. I was unable to speak to a supervisor. Reasons given included it was outside their working hours ( no working hours listed when I asked if I could call back ), all on the phone and unable to hold for them, there are n't any supervisors, they do n't have phones. By the end of the call I was told my account would be reopen within 24-48 hours of my XXXX XXXX call. On XXXX XXXX I called in to check the status. There was no update. Again I requested to speak to a supervisor - no dice. 
On the afternoon of XXXX XXXX I received a bill in the mail for the second credit card that was never shipped for {$0.00}. I called in again and was informed that there was no status update after 9 days in regards to the account being reopened but that a supervisor had indeed reached out and called me earlier in the day. I did in fact have a missed call from an unlisted number from XXXX XXXX, no message was left, and the number does not allow call backs. The representative stated only a supervisor could reopen the account and they were doing everything they could. The representative could not place me on hold for a supervisor and could only put in a request for a supervisor to try again in a few days. How is one call without leaving any message or way to contact them back over 2 months doing everything they can?

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 2017-01-31
Company: CITIBANK, N.A.
State: SD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX, I live in XXXX XXXX, SD and have a mortgage with Citi bank/Approximately 5 years ago citi bank informed me, they were willing to refinance my first mortgage and reduce my interest rate and the payment on the first mortgage, I have a second mortgage as well with an interest rate of 8.5 % so I have paid well over {$500.00} per month than I needed to, since then on the second mortgage. This totals over {$6000.00} in excess interest and even though I have called them many many times, asking for them to lower the interest rate on my second mortgage with them -- -- nothing!!!!! I have spent more time on the phone, begging for someone to take care of this, all I get is out on hold and no one does anything! I have made many appointment for a loan officer to call me, I wait at the designated time after waiting and no call from citi-today I asked for the pay off on the second mortgage and got that amount almost imediately, so I will have to borrow the money some where else and pay them off-is seem obvious I mean nothing to them, I have never missed any payments. I am XXXX years old and I wonder how can a bank as large as Citi Bank get away with such horrible service and treatment to it 's customers, are all the regulators asleep or just on permanent vacation? How could a bank get away with stealing over {$6000.00} from me when interest rate have been at record lows for so long? Is it any wonder that Donald Trump has become president, maybe he will bring back good old common sense, ,My cell phone number is XXXX, any one who wishes may contact me 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 2016-07-04
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2016, I applied for Citigold account using a targeted promotional code ( XXXX ) that offers XXXX XXXX XXXX miles after completing all requirements. After completing all the requirements and told to wait at least 5 months by a representative at a local branch in XXXX, CA, I am now being told that I did not qualify for the promotional offer. If I had been told that I would not qualify for the promotional offer initially, I would never have applied for the account in the first place. At this point, Citibank has already charged me {$60.00} in fees to my account as I waited for the promotional miles to be placed on my account until I recently followed up and was told that I did not qualify for the offer.

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 2016-05-22
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi XXXX points in exchange for opening a CitiGold account and scheduling XXXX bill payments from the newly opened account. 

XXXX Citi XXXX points equals {$800.00} in travel on XXXX XXXX when used with the XXXX credit card. And I opened XXXX CitiGold checking account, which XXXX Citi XXXX points equals {$1600.00}. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I confirmed with Citi in private messages and XXXX that XXXX of my accounts are linked for the offer of XXXX XXXX points after I fulfilled the requirement. Which is within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

And after I meet the XXXX requirements, my account will be credited with the XXXX XXXX points within 90 days from the last date of the statement cycle in which I meet the requirements. 

On XXXX XXXX, XXXX, I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 

Between XXXX XXXX, XXXX to XXXX XXXX, XXXX, I have made several internal chats with Citi representatives to confirm my bonus with be posted within 90 days from the last date of the statement cycle in which I meet the requirements. 

On XXXX XXXX, XXXX, I did not receive my bonus points as promised. 

On XXXX XXXX, XXXX, I went on chat with XXXX and explained that I did not receive my points. An internal investigation was opened. 

On XXXX XXXX, XXXX, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a XXXX Points promotion offered in conjunction with the opening of your account. '' On XXXX XXXX, XXXX, 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. 


-- -- Even though 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. 




THE NEW JERSEY CONSUMER FRAUD ACT : If a jury or a court determines that a party has committed an act of consumer fraud, then that party must pay three times ( 3X ) the amount of damages awarded to the other party. ( XXXX. XXXX XXXX California and Federal Consumer Laws : Legal Guide XXXX FRAUD - XXXX XXXX et seq., XXXX et seq.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent several letters with exact information and mailed certified mail so I know they were received by transunion. After I sent the dispute including incorrect information I received one response with an automated " verified ''. I have sent XXXX additional requests for reinvestigation ( certified mail ) and have received no more information or responses. I believe my rights are being violated and completely ignored. This is a source of great distress. Transunion needs to delete XXXX XXXX XXXX XXXX XXXX XXXX I disputed the incorrect items and waited the regulated time 3 times over and then some. Transunion needs to delete these items permanently right away.

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 2016-02-18
Company: CITIBANK, N.A.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX in XXXX and finally received copies of statements from XXXX after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$810.00}, I requested XXXX to provide details on how the alleged amount of {$1100.00} was calculated, XXXX has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the XXXX is not authorized to collect interest unless it is authorized, I request XXXX to provide a contract from original creditor stating that XXXX is authorized to collect interest on this account.As per evidence presented above XXXX has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
1 ) I ordered TV service from XXXX XXXX in XX/XX/XXXX and switched to XXXX on XX/XX/XXXX. I never signed a contract with XXXX stating I must stay with them for two years. Their service man came, installed the equipment and I signed a paper to attest that I received the equipment. I returned all the equipment according to their request. XXXX XXXX started to send me invoice wanting me to pay them a termination fee of {$250.00} for the following one year and I refused to pay. They eventually turned it over to the collection agency ( XXXX XXXX XXXXXXXX XXXX ) 2 ) My family and I rented a XXXX BR apartment when we first returned to the US from XXXX in XX/XX/XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX ( XXXX ), XXXX XXXX, MO. It was a 35 year old bldg. We bought a house and moved out XX/XX/XXXX. During our stay, the refrigerator door needed fixing, the kitchen sink backed up and blooding the kitchen and finally the ceiling over the bath tub fell down ( XXXX ) because the bath rm above us leaked water which collected on top of our collapsed ceiling. Our family consisted of me, my wife and an XXXX year old daughter. We did not have any pet and we we are very considerate professionals. When we moved out, the property management did not return our deposit of {$250.00}. Not only that, a month later, sent us a bill of {$800.00} for replacement of the carpet which had normal wear and tear. They never showed me any pictures of the carpet or asked me if I would pay for it. Six months later, I started getting letters from the collection agency ( Consumer Collection, MN 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 2016-01-26
Company: LD Holdings Group, LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I inquired about a refinance with Loan Depot, XXXX, CA. XXXX. inquiring about a refinance. however, I really did n't want to pay appraisal fees, or closing costs, so I told them I was n't interested. They ended up sending me about XXXX pages of paperwork, consisting of an Addendum to Loan Application, Loan Estimate, Closing Cost Details, written list of service providers, Borrower 's Certificate and Authorization, an Attorney Preference checklist, Applicant Information stating the Loan Originator and ( me ) as Borrower, my credit information, South Carolina Regulatory Agency Disclosure, Itemization of amount Financed for Truth-In-Lending, Disclosure Notice, and several other documents. This looks to me like a REAL CONTRACT. I live in a townhome that I bought 2 years ago, and my lender was XXXX XXXX, which has switched over to XXXX I NEVER TOLD THE LOAN DEPOT THAT I WANTED A LOAN. I AM COMPLAINING AS I DO N'T OR NEVER DID WANT THIS LOAN, and have no intention of signing any of these documents. How can this company spend all this time and paperwork and postage on an inquiry??? They have wasted their time and now my time. How do people find out about a refinance if they do n't call and inquire. I thought it might save me money as interest rates had dropped, but it does n't so of course, I am not interested. I finally found their phone number, which is XXXX. XXXX XXXX, AKA XXXX XXXX which is the name this loan is under. They also have a loan number which is XXXX, my email is XXXXXXXXXXXX or you can call me at XXXX, as I did not apply for this loan, what is going on?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am having serious problems with my mortgage and escrow account with CitiMortgage/Citibank. 

On XXXX XXXX, 2015 my private mortgage insurance ( PMI ) was released. I paid the XXXX statement as it was issued before the cancellation of the PMI. 

The XXXX mortgage statement came with no changes and I paid the amount due on the statement. I received a letter from CitiMortgage after I paid XXXX with a new monthly amount due. Then I received my monthly statement with a different amount due from their letter. I called CitiMortgage and they gave me yet another different amount due. 

In the meantime, they deducted money out of my escrow account but that money was not reflected in the new balances. I called and one customer service rep said that he did n't know where the money went and maybe they were issuing me a check but could not confirm that information, he just thought it. The money was taken out of my escrow account on XXXX XXXX, 2015. Nothing happened and I called again, and was told the money went somewhere but it was n't toward my principal and she could not determine where my money was. 

I emailed them and the respondent gave me the date of XXXX XXXX as the PMI cancellation date. I have the letter from CitiMortgage stating it was cancelled on XXXX XXXX, 2015. Information was also sent by the appraiser chosen by CitiMortgage that I paid for. Ugh. 

They recently took more money out of my escrow and I have no idea where that money is either. In addition, CA escrow laws are different and they do not acknowledge nor understand those laws. 

At this point I have to pay the amount on the statement which is more than I owe. Again, because it is an escrow discrepancy, the money will be removed from my escrow and not be refunded or credited that I know of. 

To summarize, I do n't know which of the monthly statement amounts they gave me is correct and I have no idea where the excess escrow payments are going. 

If you could provide me any assistance, even a phone number beyond the CitiMortgage customer service number that could escalate this, I would be sincerely grateful. 

Thank you so much for your time with this. 

All best wishes, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX ( cell ) XXXX ( work ) XXXX ( home )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-02
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently contacted our mortgage lender to initiate a loss mitigation application to see if our loan would qualify for a modification. As of XXXX XXXX, 2016 all requested documentation was uploaded to their document portal and they have informed me the request will be reviewed within 30 days. 

I received a letter, dated XXXX XXXX, 2016 that states Caliber Home Loans is transferring our mortgage to XXXX XXXX XXXX, effective XXXX XXXX, 2016. 

I just finished yet another telephone call, expressing my concerns for the loan being transferred while the loss mitigation/modification request are in the middle of review. 

I fear our loan is going to slip through the cracks. We do n't want to lose our home of 17 years because our voice was not spoken loud enough. I need this company to pay attention to the issues being addressed. Currently, I feel as though we are another loan being sold, another number on the books and we are at jeopardy of losing our home due to this companies oversight/negligence. 

At the beginning of this process, I did contact XXXX. They referred me back to the lender, stating if there is anything at all that could be done, any government program we would qualify for, Caliber Home Loans would know about it. 

After working with this company for the past few months and especially after receiving notice of the transfer, I do not feel as though they are trying to help whatsoever and just want to pass the buck to the next lender. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I mailed them a payment totaling XXXX, which was the balance of the statement dated XXXX. The mail was stolen out of the USPS system and someone fraudulently cashed the check. ( still working with XXXX Bank on this and it hasn't been easy ) This was not the fault of Synchrony however because the payment never made it I was subject to interest and late fee. These fees showed up on my statement dated XXXX. I called on XXXX and they reversed them and I paid the past due balance. 

The statement which would have been dated XXXX was either never sent to me or I didn't receive it through the USPS ( I didn't have an online account with them at the time ) so I had no way to know money was owed since I only use the account every so often. They texted me XXXX about a past due payment. I created an online account since their phone system is awful. I tried to pull the missed statement on their online portal but they don't post statements online ( only bank I have ever seen that doesn't give PDFs of statements ). I then called this morning to try and resolve the issue and they said they can't due anything and the account is now " an attempt to collect the debt ''. I have almost perfect credit and this company is not willing to work with me. They stated they can't waive the fee even though they didn't send me a statement and their own online portal doesn't allow anyone to pull a statement. They also said they can't waive the interest because the account is past due. She then asked when I would be making the past due payment and I advised I needed to see something in writing since they haven't sent me anything yet. 

I am reaching out to CFPB because this company failed to send me a statement to collect payment and is now blaming me. I understand the check theft isn't their fault and appreciate they worked with me then, but now that payment was not received because of them they are essentially blaming me. My next step once I receive something in writing from them is to push back in writing contesting everything since they have no proof a statement at the end of XXXX was ever issued. ( Since I can't pull it online and they didn't send one in the mail ). 

All I want is to close this account ( which they said I have done ) and pay off the balance for actual charges I made.

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