BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-04
Company: CITIBANK, N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
XXXXMY HUSBAND AND I HAVE BANKED AT CITIBANK FOR AT LEAST 25 YEARS AND WE HAVE NEVER BOOUNCED A CHECK. SINCE XXXX 2016, WE 'VE RUN OUT OF FUNDS FROM ONE MONTH TO THE NEXT. FROM XXXX to XXXX 2016, MONEY HAS BEEN MISSING and IN XXXX SEVERAL CHECKS HAVE BOUNCED. ON XXXX OCCASIONS, A TELLER WOULD GIVE ME MONEY BACK FROM ME CASHING A CHECK ( HANDING ME THE MONEY WITHOUT COUNTING IT IN MY PRESENCE AND ON XXXX OCCASIONS, WITHOUT LEAVING THE WINDOW, I COUNTED THE MONEY IN HER PRESENCE AND EACH TIME {$10.00} WAS MISSING AND I TOLD HER THAT {$10.00} WAS MISSING AND SHE ACTED AS IF SHE WAS LOOKING AROUND HER AS TO WHERE IT MIGHT BE AND IT WAS UNDER SOME PAPERS AT HER DESK. I HAVE REFUSED TO GO TO HER WINDOW FOR HELP. THE LAST TIME THAT I CONFRONTED HER SHE BECAME BELIIGERENT AND TOLD ME THAT IF I DID N'T GET OUT OF THE BANK, SHE WOULD HAVE SECURITY TO ESCORT ME OUT. AS I SAID PREVIOUSLY, I HAVE BANKED AT CITIBANK OVER 25 YEARS AND HAVE N'T HAD A MOMENT OF BANKING PROBLEM WITH OUR MONEY, NEVER HAD A CHECK BOUNCED. AS SOON AS I CORRECTED THE PROBLEM BY PUTTING MORE MONEY IN THE ACCOUNT, THE MONEY WAS GONE AND OUR ACCOUNT WAS IN THE RED AGAIN. IN MY HOME, I AM THE ONE THAT HANDLES " ALL '' OF MONEY TRANSACTIONS, INCLUDING DEPOSITS, CHECK CASHING and ANY WITHDRAWALS. MY HUSBAND HAS " NEVER '' HANDLED ANY OF THESE SERVICES BECAUSE ALL OF IT ( SINCE MARRIAGE ) HAS AND IS HANDLED BY ME. HE HAS NEVER WITHDRAWN ANY MONEY. I BROUGHT THIS MATTER TO THE ATTENTION OF THE MANAGER OF THE BRANCH WHERE I BANK. THE MANAGER SAID THAT CITIBANK WOULD BE INVESTIGATING THIS SITUATION ALSO. HE SAID THAT HE HAS RESTORED A COUPLE OF FEES THAT I HAVE RECEIVED. I AM UNABLE TO POINT OUT ALL OF THE RETURNED FEES THAT I WAS TOLD HAD BEEN RETURNED. PRIOR TO BANKING AT CITIBANK, I BANKED WITH " XXXX XXXX BANK '' AT LEAST 15 YEARS AND THERE WAS " NEVER '' A PROBLEM WITH ANY MONEY CONSIDERED MISSING OR THE INABILITY TO KNOW WHERE THE MONEY WENT. AT XXXX, ALSO, THERE WAS " NEVER '' A TIME THAT A CHECK BOUNCED. I HAD MONEY IN SAVINGS ACCOUNTS THAT HAD BEEN THERE FOR YEARS THAT I HAD TO USE AS WELL AS MONEY THAT I HAD RECEIVED FROM MY DECEASED MOTHER OVER XXXX ( XXXX ) YEARS AGO THAT I HAD TO USE TO COVER MY CHECKING ACCOUNT WHERE THERE WAS SUPPOSE TO BE MONEY. I HAVE DEPLETED ALL OF MY ACCOUNTS AND MONIES THAT I HAD AS " SAFEGUARDS '' or " EMERGENCIES '' THAT I NEVER HAD TO USE. NOW, AS I THINK ABOUT IT, I BELIEVE MONEY HAS BEEN MISSING OVER QUITE A PERIOD OF TIME, BUT I USED WHERE NECESSARY AT ANY TIME, BECAUSE THERE WAS ALWAYS A SURPLUS AFTER PAYING BILLS, ETC. I AM GRATEFUL FOR ALL OF YOUR HELP TO GET TO THE BOTTOM OF WHAT HAS BEEN HAPPENING TO OUR MONEY. PLEASE CONTACT ME IF MORE INFORMATION IS NEEDED.

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 2016-07-27
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My credit card account was closed without me receiving notice. Each month I have been receiving my statement via email from Sears. On XXXX XXXX I received my annual privacy notice which brought to mind I have not used the card. On XXXX XXXX I tried using the card and it was declined. Upon call on XXXX XXXX I was informed my account had been closed. I asked for a copy of the required notice that I never received and they said they could not send it. I never received the supposed mailed notice.

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 2020-06-21
Company: SYNCHRONY FINANCIAL
State: DC
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 regards to the erroneously reported items/incorrect items that should not be on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2016-07-20
Company: CITIBANK, N.A.
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We fell behind on our house payment due to me getting sick with XXXX and having to have XXXX and XXXX treatments. I was out of work for over a year. They started foreclosure activity. we tried to do deferments of the loan or modification of the loan, with no luck due to not enough income, and said we were not eligeable for deferment of house payments due to unemployment. We were also told that we could not appeal the decision which the letter from the bank stated we had 30 days to appeal and we tried to appeal 3 days after the letter. We resubmitted our request for modification and was told that when they were reviewing the modification request that all foreclosure activity would stop until they had an answer. 3 days later XXXX XXXX called and said that they were going to proceed with the foreclosure and the sale of the house even while they were making a decision on the modification while it was in review. We still continued to receive letters stating that they would have an answer on the modification by XXXX XXXX. The house had already gone up on forclosure and has been listed on auctions.com I called the lawyer that represent citi XXXX XXXX XXXX and was told that citi has so many different departments and they do not communicate with each other, that our house was on hold for the forclosure sale. Still being listed on XXXX for auction.

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 2016-11-25
Company: Freedom Mortgage Company
State: MT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. I have a loan through Freedom Mortgage that is 3 years old. In XXXX I put XXXX on my loan balance which took the debt ratio below 63 %. When I originally secured my loan I was told that when my balance/ debt ration was below 78 % the PMI would automatically be dropped from my loan payments. I contacted Freedom mortgage and they told me I had to have an appraisal done through THEIR company. When I I received the appraisal estimate it was {$780.00}! I paid {$500.00} for my original appraisal when securing my loan three years ago!!! I asked if I could contact the original appraisal company and get the original one updated they denied my request. This has been dragging on since XXXX. It is extremely difficult to EVER TALK to a Person who make decisions if you are lucky enough to get a real person. In their phone system they initially identify me by my phone number linked to my loan number but am required to re-enter them both in XXXX more times before talking to someone!!! Then they open a ticket and send you a letter in 10 days. This has happened twice and two other times I was promised a call deadline to discuss the situation but never received al call!!! 
This has drug out for 4 months of additional {$99.00} PMI payments!! {$400.00}!!! 
I have NEVER been late for a payment and have a very HIGH credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a request for loss mitigation options on XXXX/XXXX/XX/XX/2015 My authorized 3rd party left several messages for follow up to confirm documents received and the authorized agent XXXX XXXX would not return calls. Finally when he was reached on XXXX/XXXX/XX/XX/2015 on a recorded line he stated that they refused to review the documents because it was received XXXX days prior to a sale date. He refused to send anything in writing stating this. Please help. I was never notified of the last day for loss mitigation options in writing nor verbal. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Amazon Rewards Chase VISA card. I have the " auto pay minimum balance '' feature turned on for the account so the minimum payment is made in case I can't pay off the current balance. 

On XX/XX/XXXX, I used my smart phone app to schedule a payment to pay off the current balance of {$630.00}. I selected the amount to pay ( {$630.00} ), I scheduled the payment for that day, I authorized the payment. I then closed the app. 

On XX/XX/XXXX, I used my pc to log into my credit card account. I saw that the balance was not yet paid, and then I logged out of the account by closing my browser. 

On XX/XX/XXXX, I checked my account balance, it showed a credit of {$630.00}. I looked at the payment history, and it showed ( 2 ) payments of {$630.00} from my checking account. 

I have to add that the auto pay is not scheduled to pay the minimum until the 7th of the month. 

I called the credit card customer service department, they said the activity time stamps show that I made the XXXX payments on XX/XX/XXXX and XX/XX/XXXX. 

I REPEATEDLY TOLD THEM I DID NOT GO THROUGH THE PROCESS OF PAYING THE CARD BALANCE ON XX/XX/XXXX. 

They would not listen to me and refused to immediately refund the {$630.00} credit back into my checking account. The only recourse I had was to elect to receive a reimbursement check that would take 2 weeks to receive. I would not be allowed to use the credit card during this time. This recourse makes no sense to me. 

This is not the first time this has happened. This same sequence of events also occurred the previous billing period. 2 payments of {$200.00} were made on XXXX & XX/XX/XXXX, and I ended up with a credit. At the time, I couldn't remember going through the process of making the 2nd payment, but chalked it up to my making the mistake. I didn't report this to Chase at this time.

So, I have 2 payment situations that I believe are caused by some software glitch in their system. Even though their data contradicts it, I KNOW that I didn't make the second payment of {$630.00} on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We paid off our mortgage. A refund check around {$1500.00} was mailed on XX/XX/XXXX. We were not contacted until letter dated XX/XX/XXXX that it had not been cashed. After calling them on XX/XX/XXXX, they assured us that a stop payment would be issued and a new check mailed. After not yet receiving the check today, XX/XX/XXXX, we called to check on the status and were told they would check on it and get a call back by next Tuesday, XX/XX/XXXX. Unacceptable that a company would retain someone else 's money for an indefinite amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I was approached though repeated phone calls for almost a year to refinance my home from Fifth Third Bank. I was initially offered a " special '' refinance product that would quickly and easily drop a percentage point from our present loan with them. After collecting information I was presented with a " better '' option to refinance both my primary and secondary mortgage with substantial savings. I did pursue this option. After signing " loan lock-in '' forms, the time expired. There was no delay in the process on my part, but on the part of Fifth Third bank. I was sent another " loan lock-in '' form post expiration of the initial forms. This new agreement had percentage points and other costs added, which would have amounted to thousands of dollars of added costs for the loan. The interest rate had not changed though and no contact or explanation was given as to the added costs. I believe that most people would not have noticed the added costs seemingly hidden or buried in the paperwork. My opinion is that Fifth Third bank preys on unsuspecting borrowers using tactics such as " bait and switch '' and " shell game '' tactics to entice borrowers, then increasing loan points and costs to the borrower without explanation. This seems to me a dishonest business practice. My wife and I have walked away from borrowing from Fifth Third for the reasons stated. I feel their practice may prey on less educated and other at risk borrowers. The public should be protected from such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2015-09-17
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a phone call on XXXX XXXX 2015 from XXXX @ XXXX with caller ID as 'UNAVAILABLE ' Left an automated voice message stating " This message is for XXXX '' XXXX Immediately, I recognized the caller had the 'wrong number ' because no XXXX resides here ) and continued to state, "... this call is not a sales/marketing call. Hunter Warfield is a Debt Collection Agency and advised to call XXXX between M-F ( EST ) XXXX - XXXX When calling refer to number ID : XXXX. '' A return call to the toll-free and local number, each call was answered with the name Hunter Warfield in the greeting. Apparently, they are a debt collection agency. Area code for XXXX is XXXX, Florida. http : //ww2.hunterwarfield.com/ Mailing address for : Hunter Warfield XXXX XXXX XXXX XXXX. XXXX, FL XXXX / XXXX : XXXX XXXX : XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an interest only loan held by XXXX, after many servicers the loan ended up with Ocwen servicing. For years there was no escrow set up so I paid the real estate taxes directly. Its a condo so there was no insurance escrow. In XXXX 2014, I made a partial payment of the taxes. Ocwen, then paid the remainder and then notified me that my payment now must include XXXX months of an escrow payment. The escrow payment they demanded each month would total {$10000.00} per year. However, the taxes were only {$600000.00} per year. Thereafter, I continued to make the tax payments. However, the bank continued to allege that I owed these prior escrow payments. I wrote numerous letters to try and resolve the matter. However, they continued to return my payments, and now put the loan in default and are filling foreclosure. Their reinstatement figure includes escrows which are not due. They call numerous times and each time the new caller has no information regarding the last explanation. My credit has not been irreparably harmed.

Company response to consumer: Closed
Consumer complaint received 2016-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contacted this company 2 times in writing requesting written proof of my signature showing that I owe this debt. I have waited over 60 days and have heard nothing from them proving this debt is mine. They are violating my rights by not being able to furnish proof of signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is my second claim against JP Morgan Chase due to your continuation of lies and deceiving this is about a claim of {$24000.00} that shes allowed me to open not informing me of any time limitations or amount limitations the claim was open on the XX/XX/2018 which chase claims that was way past they have 45 days limit to file claim but weeks and weeks and weeks of me calling and calling the claim was still processing and I was informed that would take up to 90 days to be completed their investigation in my case it took 45 days lots of phone calls for Chase to deny my claim saying that was over their timeframe I found my first claim here and Chase did the same thing delay two weeks and then denied the claim again saying that I never called you dont have any records of my calls here are the records of my calls and documents. Chase actually refuses to follow up with my claim or even to investigate my claim due to the fact that since this incident happened I have not deposit the single XXXX my account and Chase has overdrawn my account for over {$2700.00} and now they want me to make a deposit to bring my account current I think thats why Chase doesnt want investigate my claim. I have attached my phone log with all the phone calls that I made it to Chase to prove that I have called and called and that they lied and lied saying that they have no record of me calling

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: LEXISNEXIS
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 mailed Lexis Nexis a second letter on XX/XX/2022 via certified letter from the US Postal Service. This was my second requesting asking for validation on an alleged bankruptcy they are reporting. The first time, inever recieved a response from Lexis Nexis, which is why I sent the second request certified mail. According the the US Postal Service, my request was receieved on XXXX XXXX, 2022. As it stands today, I still have not reeieved any updates, and it is pass the 30 days they have to complete an investigation, per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have contacted XXXX, XXXX ( Portfolio Recovery Associates ) and XXXX XXXX XXXX ( XXXX Bank ) to report that I am a victim of Identity Theft. 

I completed all neccessary paperwork and proof. The companies have billing statements for me going to an address in a different state that I never lived in. The companies has not give me any kind of documents proving I am responsible for the these debts. 

All I want is the debt that I am not resposible for and did not authorize anyone else to use to be cleared from my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Fifth third will not work with me on catching up an auto loan payment that was in default due to me being out of work. They would not supply me with any information regarding an outstanding balance. Furthermore, they told me to surrender the vehicle or pay XXXX to keep it. I be level the bad press they are receiving regarding the discriminatory practices with borrower percentage rates, is why they chose to treat me this way. As an XXXX borrower, I believe it 's easier to rid the loan before paying out if es for their deceptive practices. I am fully willing to pay the default payments, but I was told I ca n't and I should rid myself of the vehicle, or face them embarrassing me with friends and family. I was told this per a call to the bank and being transferred to collections on Friday, XXXX XXXX, 2016. I should not be threatened or intimidated for trying to do the right thing. These practices should not be allowed in addition to a discriminatory practice of auto markup. It 's ridiculous that they pay restitution, but find other ways to be discriminatory. Threatening embarassment and refusing to provide information, as potentially required by reposession laws, is not only disgusting, but surely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.

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 2022-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated call with no information from a company called Portfolio Recovery which I believe is a debt agency. Calls are from numbers which appear to local as they use our local area code. Always a different number. No identification info is given and no info re the debt. Constant calling.

Company response to consumer: Closed with non-monetary relief