BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We initiated an application to refinance our mortgage with NewRez, the holder of our current mortgage, on XXXX XX/XX/2020. Nearly six months later our application has not been approved. We receive repeated requests to submit information we have submitted multiple times before and that NewRez has acknowledged receiving. So our application drags on month after month, and we pay interest that we would not have had to pay if our application had been approved in a timely manner. Our loan officer s have frequently not responded to phone calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I walked into the Citibank branch on XXXX XXXX XXXX in XXXX to update the security level of my card before traveling. I was told that my type of credit card does not qualify for extra security protection with a Microchip on my card, like all other banking institutions. so, the associate offered me an " upgraded option to my current credit card, which DOES have that security, along with mileage rewards etc. 
I agreed to have the new upgrade with the additional benefits. After almost an hour at the bank waiting, the application for a NEW card was processed, and I was given a denial of the credit application for a NEW credit card, which I never asked for, nor wanted. Now this report will have a negative impact on my credit report and score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Issue: Billing disputes

Complaint:
In XX/XX/XXXX I found a charge on my credit card that could not have been mine ( to XXXX XXXX ) but there was a credit to go along with the charge a week or so later so I thought it was a billing error and dismissed it. On XXXX XXXX, 2016 I saw a charge for {$130.00} to XXXX XXXX in XXXX ( I live in XXXX and have not been to XXXX since XX/XX/XXXX ). I called the number to XXXX and the recording said if I had a billing issue to send an email with my personal information and last XXXX digits of my credit card number. I decided to call the credit card company ( Citibank ) and have them remove the charge from what seemed like a bogus company. They said I needed to submit a dispute online, so I did and they issued a conditional credit for the {$130.00}. Over the next day or so I started thinking about it and realized that someone had my card and the representative at Citi did n't shut my card off. I called back and asked if they were sending me a new card and they said they could if I wanted them to but they do n't do that without request. I explained that my card was used on the other side of the United States for chicken and waffles, since I did not make this purchase someone has my card number I want it cancelled. They seemed surprised by this but sent out another card. On XXXX XXXX I received a response from Citbank with a copy of chargeback evidence from XXXX saying that a XXXX XXXX with an address in XXXX and an email address of XXXXXXXXXXXX ( not even close to my email or address ) ordered this and paid with my credit card number ( no signature, no actual card ) and I am responsible for this charge. I am livid at the customer service from this credit card company. I had to call them to dispute it again, sign a form and mail it ( using my stamp ) but they still have the charge on my card. I received a response yesterday saying that they have sent my response to XXXX and they will get back to me by XX/XX/XXXX!! My bill is due in XX/XX/XXXX, I will not pay for a stolen credit card charge when I alerted them the day of the charge. This is a platinum card that is supposed to have protection on it but it has n't protected me at all. I want the {$130.00} taken off of my card without me having to jump through hoops. This is the most ridiculous thing I have ever heard of and I will not pay this nor will I pay for any interest charges that occur due to this bogus charge.

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 2015-09-10
Company: Federated Capital Corporation
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XX/XX/XXXX I opened : " XXXX '' I used a credit card issued TO MY XXXX from " XXXX '' bank out of XXXX to purchase inventory. XXXX XXXX went BANKRUPT in XX/XX/XXXX-XX/XX/XXXX. My XXXX was unable to pay its debts and through court action was taken from me. " FEDERATED CAPITOL '' acquired all the toxic debt of XXXX XXXX, including that of " XXXX. '' Federated has repeatedly called, sent letters & issued summons to court three times. Once in XXXX, once in XXXX XXXX XXXX, XXXX, XXXX and recently XX/XX/XXXX ) attempted to place a LIEN against me through XXXX County Court, XXXX, XXXX. I have written Federated, spoken to them, hired a lawyer who contacted them. They refuse to drop the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-11
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have a XXXX XXXX loan with SLS and have been trying to modify for almost a year. They keep telling us everything is in and under review, we then receive a letter saying paperwork did n't get in on time or something else is needed. We constantly get contradicting information. 

The loan was handed off to an attorney for foreclosure ; however, the file was not moving forward. I would check weekly and continue to feed information over and over again to SLS. 

A man showed up at my door to buy my property. I was shocked, so he handed me the paper and my property was listed to be foreclosed on XXXX XXXX, 2016. I had received no notices of this. I immediately called the lawyer and was told that notifying me slipped through the cracks. 

I received a certified letter four days after calling the attorney 's office. 

We qualify for a modification according to my research and we have the money to make the payments since my husband is now employed back in his field. 

We cant even get reviewed for alterantives, SLS just wants to take our property which has about {$900000.00} in equity. 

This is our lifes work, we are in our XXXX and this is our XXXX. 

I do n't know who to trust.

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 2015-11-06
Company: Medical Business Bureau
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/15 I requested XXXX provide validation for {$500.00} debt being reported to credit bureaus. On XXXX/XXXX/15 XXXX responded, but did not provide sufficient evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Comerica
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Comerica has to be one of the WORST banks out here. I just checked my balance today and BOTH my accounts are overdrawn ... ( that has never happened to me since I have had an account ( s ) with them ) I have had complaints sent to XXXX and CFPB in the past about them. Yet ... they STILL get their way. 

I am charged an excess fee of some sort in my savings account. I do n't know how I have excessively done anything ... when I learned that the branch where I opened up my account has been transferring funds to and from the accounts? They claim it is to avoid an overdraft. 

They allowed XXXX dollars to be approved XXXX XXXX ... they have never in history of my account approved this transaction unless the funds were fully available. I am tired of them getting over me and accusing me of not having funds in enough time or whatever excuses/reasons they come up with. They need to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: BB&T CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
ON XX/XX/2015 I purchased a XXXX XXXX. The price was {$20000.00}. Now that I reviewing the price because I can't afford it i realize that I owe {$28000.00}. I don't understand why I am paying interest and principle in advance. The numbers are way off. The place I purchased from is XXXX XXXX XXXX dealership in XXXX CT. My ARP is 14.95 percent I think I am being cheated. 

The reason I mentioned this, is why do i have to pay principle and interest on a car that I want to sell back to them for the total amount that includes principle and interest for the next several years? 

Is this legal?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have requested FedLoan Servicing to provide a history of all payments made on my student loans : including the date, amount due, amount paid and the date that each payment was credited. I have requested this information on 5 different occasions, but have never received it. I am enrolled in the Public Service Loan Forgiveness Program, so the accuracy of their records vs my records is very important. I have been in this program since XXXX/XXXX/2009. According to their calculations I have only made 68 payments that qualify. I, on the other-hand, have calculated 80 payments. I want to research this discrepancy by checking their payment history vs my records and they will not provide that information to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 called to inform the credit bureaus about inaccurate inquiries as a result of I never I authorized them. This was in XXXX and I also sent my last letter on XX/XX/2020. Someone had to use my name so I reported them to the burueas ( Transunion, XXXX, and XXXX  ) .I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy Also, this was reported on my account and its still showing on my report. This has not been taken seriously and I contacted the original creditor and I contacted all 3 burueas on multiple occasions through phone and letters. The original creditor sent notices to all 3 burueas about this should be removed from my report because I never authorized this and but it still remains on the report. This matter is serious but i am being taking advantage of and my consumer rights are being violated.

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 2016-09-01
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I originally submitted a complain against CitiBank on XXXX/XXXX/16. The case number is XXXX. CitiBank responded to the claim by stating they were sending a check for {$400.00}, the cash equivalent of the points I was owed for a promotion. However, the check never arrived. No one at the CitiBank phone support team was able to help me as they are unaware of the issue. Additionally, the PDF CitiBank attached listed my first name incorrectly as " XXXX '', leading me to believe that if I were to even receive the check, it would possibly be addressed to the wrong person. 

I have still not received the promised compensation as of this new filing.

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 2018-05-27
Company: Netspend Corporation
State: AL
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/2018 a netspend rep informed me that my account was eligible for the XXXX fee plan and provided a credit to my account on the XXXX that was charged. Netspend has continued to charge me a XXXX fee for XXXX and XXXX. A netspend manager acknowledged I was told the fee would be XXXX but has refused to rectify.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

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 2016-08-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
We made a payment to payoff our credit card after obtaining a mortgage on our home. We called the credit card company several times in an effort to find out if they received the check as it was not cashed. We were told, after waiting for over an hour on 2 occasions, that we sent it to the wrong address, which we advised them was the address on their website. Finally, we were advised that they had received the check, however, there is a credit of over {$500.00} which we were requesting be returned to us by check. However, after calling again at XXXX on a Thursday afternoon and holding on for almost another hour, I was advised by the call center that they were closed and to call back another time. 
Additionally, we received a letter that as the payment was late, this would affect my credit in a negative way. There is no way to speak to anyone and I thereafter wrote a letter to the credit card company. I also went to Citibank to try to get this taken care of, only to be advised that they could not help me. We were also charged a late fee, which I would like returned as they held our check for almost one month before our check was cashed.XXXX To date, some three weeks later, I am submitting this complaint.

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 2016-04-26
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Starting in XXXX XXXX I ask for help with CITI BANK to do a modification our repayment plan, I had XXXX BANK Representatives each told me they could resolve My situation IN 90 DAYS, here it is a year latter XXXX XXXX no one seem to care I also had XXXX a housing Counselor Help me and the day today XXXX XXXX XXXX the day before an auction then they said to file a complaint with you, I had anything but a run around from everybody and now CITI BANK wants {$19000.00} for lawyer and bank fee when this loan should been resolve XX/XX/XXXX before it even got in to FORECLOSURE, I did not know it was in foreclosure till XXXX XXXX when I again ask for help when I got Layoff from my job, I Have a New Job and the BANK does not WANT to work with me or XXXX I have all paper work And e-mail I an tired of all the run around I have gone through to get know were, so I ask you for help to see if we can get this resolve, because you are my last resort HELP me as soon as YOU can because I did nothing wrong all I did was ask for help now I owe 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 2015-07-11
Company: John C. Bonewicz, P.C.
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX I received a letter from the law firm of John Bonewicz for demand of a XXXX account that I never opened. 
I wrote them a letter explaining that this debt was not mine and requested verification of the debt and more information about the account in which I never received. 
XX/XX/XXXX I started receiving harassing phone calls from this debt collector on my cell phone ( which to this day I have no idea how they got that number for I never gave it to them ). 
On XX/XX/XXXX I received a letter ( notice to cure ) from the law office of John C. Bonewicz stating that I failed to make the agreed payments and was in default. First off, I never agreed to anything or entered into any type of contract with the law office of John C. Bonewicz or their client XXXX XXXX or the cited original creditor of XXXX. Secondly their citing the date of the last payment was about 4 1/2 years ago and I have never paid anything on this debt. They sent me XXXX different letters XXXX demanding a payment of {$4600.00} and another letter demanding payment of {$1500.00} ( XXXX letters arrived on the same day ). 
I am on XXXX and food stamps and own nothing so even if these debts were mine ( which their not ) I could never come up with that kind of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I retained this attorney 's office for a mortgage foreclosure. My income changed and I wasn't able to make the required payments. I was told that they would represent me in this action and ask me how much I can pay monthly. I gave them a sum of {$300.00} and it has been ongoing from XX/XX/XXXX to XX/XX/XXXX. I've paid approx. {$10000.00} for attorney representation. 

Through the attorney 's office, I wasn't offered any programs to save my home. I asked for programs to save my home, none was offered to me. When I would call periodically, I was told they were handling it. Now foreclosure judgement has come, and my house was sold XX/XX/XXXX. My  attorney stated that he put in a appeal that was denied. 

I want to make a complaint on this law firm who took my money for three years, which is around {$10000.00} and provided me with no 'options ' in saving my home. I am a single parent with XXXX twins. My mother lives with me. She is also XXXX. I need my home. 

I'm asking you to investigate this case, to find out if there was any wrong doing on behalf of this law firm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a jointly held Checking Account online with Citibank. I had thought I could apply online and fund in person the same day, which this bank is apparently unable to do. Due to this, my husband had to open a second, sole owned, account in person at the branch. We opened the account in order to receive a credit on closing costs for a mortgage loan. Two weeks later, I called Citibank to close the jointly held account. I placed my call shortly after XXXX PT, while unpacking our new home. I was informed that the account can not be closed by the customer service line, apparently some 'new account ' department had flagged the account and would n't allow anyone but them to close it. I insisted upon an escalation and was told an after-hours form was being submitted to close the account. Three weeks later I received checks in the mail for this supposedly closed account. I called a second time and was told again that a hold was placed on my account by a 'new account ' division and it was preventing anyone from assisting me during the hours I am able to call. Again the representative claimed a form was being submitted and the account would be closed. The next day I went into the branch, during normal business hours, closed the joint account with a {$1500.00} balance, yet STILL could not close the {$0.00} balanced account. The store managed then informed me that a fraud department had flagged the account and even they were unable to override it. How can it be legal to hold a customer hostage like this? I am trying to ensure that no monthly service fees are charged, thus causing an overdraft on an account I do not want or need. How could TWO different customer service reps give false information that they are closing an account, the second representative claimed I would receive a confirmation email of the account closure that never 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 2015-05-08
Company: Synovus Bank
State: AL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
The information from my credit card was somehow obtained and used to create another bogus credit card where over {$1500.00} was charged to my account. I had stayed at a motel while in the XXXX area and was issued a magnetic key which I turned in when I checked out. Not sure if the information was obtained from the magnetic key or not ; however, I only used my card in XXXX places during the time I was in the XXXX area.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation