BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-29
Company: JPMORGAN CHASE & CO.
State: DE
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Back in 2009 I noticed after being denied of an auto loan that I was a victim of identity theft. This was brought to my attention when a received a copy of my credit report and noticed that XXXX home loans were completed and issued under my name and social security number. Metlife Home Loans LLC is one of the banks that are currently still holding this account under may name and have refused to remove it even after I have provided them with all of the necessary information to remove this from my name and my credit report. I sent them an affidavit, copies of my XXXX, as well as photo copies of my drivers licence, social security card, and a police report that listed all of the mortgage loans and the fact that they were a direct result of identity theft. It has now been several years that have passed yet I am still dealing with these issues which have made my financial life a very hard one to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: CITIBANK, N.A.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home is in foreclosure from Citi Financial. We want to keep our home but they are not willing to coraperate.They said we can not modify our loan we applied for hardship they said no didnt receive all required information, but i sent it by mail with a receipt of it being mailed.Everytime we call about our loan they have to search for it cuz they cant find it.we have been paying on mortgage for 15 yrs and owe more now than when we took out the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
In XX/XX/XXXX my wife lost her job and we applied for a HAMP modification for our XXXX loan with Citi Mortgage. After a long and painful process, where documents were continually " lost '' by Citi, we were told to start making lower, " trial '' payments on our home loan. After successfully completing the trial payment series, we were denied a HAMP modification due to our income and/or assets. We had to repay the entire amount due resulting from the trial payments. 

We continued to communicate with Citi Mortgage on this matter for the next two years. We received denial after denial and suggestions that we should submit to foreclosure. Even though we were in much better financial shape, Citi finally agreed to modify our loan after another successful series of " trial '' payments in XX/XX/XXXX. The modification extended the term of the loan from 30 to 40 years and reset the interest rate to the then current market rate for mortgage loans. There was no forgiveness of principal. 

However, unlike with the HAMP application two years earlier, our credit report began to show " missed payments '' corresponding to the required " trial payment '' schedule. We are now completely recovered financially and our credit scores range from XXXX to XXXX. We would like to refinance our mortgage to a 15 year term and take advantage of still low current rates. But despite our high credit scores, those " missed payments '' still appear on the report. Based on the negative credit, lenders will not allow us to refinance. 

This whole mess started in XX/XX/XXXX. If we could get the credit hit moved back to XX/XX/XXXX, they would come off our credit report next year. As it is, it will be XX/XX/XXXX before we can refinance. We only did what Citi told us to do. We made payments in the amounts and on the time frame they required. I have contacted the credit bureaus and they refuse to help. 

Is there any way we can get our credit report to more accurately reflect what really happened with Citi Mortgage?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Other

Complaint:
Applied for a loan to pay off my credit cards. The bank approved the loan. When the bank paid off the credit cards, I found there was an unknown credit card, I never applied for this card in my name. I ask the bank not to pay it that I did not know anything about it. The bank paid it and since I had signed the paper there was nothing they could do at that point. I contacted Citibank and confirmed that it was a fraudulent account. See letter dated XX/XX/XXXX. I hired a lawyer who contacted Citibank on XX/XX/XXXX and again on XX/XX/XXXX by letter ( see attached ) and have not received any response. 
Please help me get my {$17000.00} paid back to me for a credit card opened and had been active without my knowledge or approval.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account and spending {$1000.00} on the CitiGold Debit Card attached to the promotion. 

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

On XXXX XXXX, 2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I provided them my XXXX XXXX number so that the bonus points would be deposited at the expected date. 

On XXXX XXXX, 2016, I did not receive my bonus points as promised. 

I was out of the country in XXXX, but after arriving back, I sent a message inquiring about the status of my bonus points on XXXX XXXX, 2016. 

I received a message back on XXXX XXXX, 2016, in which Citi denied me the promotional bonus points. 

Even though I have been assured by Citi representatives that I met the requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. I find this highly suspect that Citi representatives confirmed the promotion to me, yet will not hold their end of the agreement. I would demand that Citi credit my account immediately.

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 2021-03-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony bank closed of 2 of my Perfect history accounts ... XXXX MasterCard and Paypal MasterCard with absolutely NO warning and perfect payment history with them ... ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015 Citibank processed a charge against an expired debit card on my account for XXXX of {$47.00}. 
While the charge was shown as pending I called and notified Citibank and spoke w/ a representative named XXXX and a supervisor named XXXX XXXX 
Although I notified them that the transaction was unauthorized and made against an expired credit card the Citibank representatives said that since the transaction was done by an automatic payment system all the Merchant needed was the card number and that Citibank did not require an expiration date for the card nor a security number. 
All that Citibank would do in response to my complaint would be to issue me a new debit card and process a dispute. The charge would remain against my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
In reference to the investigation XXXX. On XXXX XXXX, 2016 at about XXXX. I went into the CITIBANK XXXX on XXXX XXXX to pay {$1500.00} towards the installment loan # XXXX. XXXX XXXX employee of CITIBANK directed me to the ATM machine to help with the payment. I gave him {$1500.00} towards the payment and I also wanted to open a bank account to deposit money I had with me. He assisted me at both the ATM and the teller window and advised I needed to withdraw to open the account. I did not realize until after I came home that he did put the {$1500.00} towards the payment instead only {$840.00}. I would like CITI to investigate what was done with the money. I came in with CASH. There has to be video of the transaction where you can confirm what was done while I was in the branch on that day. If in fact something was done in error then I would like the money to be placed back towards my loan. I am requesting a re-evaluation of the transaction and have this employee questioned. I am providing proof of my transactions as I always keep a record of my deposits and keep the same patterns. I did not understand why he insisted I go to the ATM machine and not do this transaction with the Teller directly.

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 2015-08-17
Company: CITIBANK, N.A.
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have mortgage through XXXX. I was served foreclose papers and I called them hoping to resolve the issue. I can not refinance my credit is poor due to divorce. Their real estate support team put ne on on program. They said fee was {$1600.00} I paid {$2000.00} THE balance to go to mortgage pmt of XXXX in XXXX of 2015 I pai in XXXX XXXX in XXXX they are calling me telling me I am 3 months behind tried to explain but it 's just a call center and no one knows anything. I simply want this cleared up. My health is suffering

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Around XX/XX/XXXX, I had called Citi to find out ways to settle my HELOC account. The account was past due for quite some time. The mortgage unit had told me a specific person would help me with my situation. XXXX of CitiMortgage had suggested a file a hardship application so they could assess my settlement offer/situation. I was denied around XX/XX/XXXX. I noticed they pulled my credit in XX/XX/XXXX, I consented to this request. No issue here. 

Very recently I noticed they pulled my credit twice in XX/XX/XXXX. That 's almost a year later after my hardship request had been denied. I never agreed to these hard pulls without my consent. I started paying Citi back and recently I paid the loan off. Throughout the whole time I was paying the account, I kept getting letters that someone in the hardship team was going to review my account. Once I was denied, I never filed another hardship request. The Citi team was a bit disorganized. I understand things fall through the cracks, but this was a bit annoying. Literally XXXX letters of the same information. What a waste of paper! I would like this account and credit pulls to be removed from my credit report. I never consented to these pulls! 

Appreciate the help! 

Thank you

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 2016-03-04
Company: ENCORE CAPITAL GROUP INC.
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Funding is in violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Under FTC v. XXXX XXXX XXXX ( XX/XX/XXXX ), a Federal Trade Commission lawsuit against a licensed or registered collection agency, whereas the collection agency paid millions in fines and penalties, a criteria was established on the collection of debt where interpretation of laws were established. That criteria is as follows : 1 ) The debt must be within legal timeline limits that it can be collected through a summary judgment process in the state of the consumer 's residency. In this case, both accounts started with XXXX Bank, went into default in XXXX, and then taken over by XXXX XXXX in XX/XX/XXXX. Both accounts are long past any redeeming collection period. 
2 ) The consumer must be given a 30-day notice that the collection will be posted on credit, and shown proof that the collection item has been assigned or purchased, or both. 
3 ) The consumer must be given his rights to dispute under the Fair Debt Collection Practices Act. In this case I was never notified by XXXX XXXX or Midland Funding LLC. 
Both accounts have been re-aged, show no previous ownership as stipulated under the Fair Credit Reporting Act, and there is no payment trade line. The original owner, XXXX Bank is off credit completely as the legal timeline limit has come and gone. Midland Funding LLC is in direct violation of FTC mandates on this type of illegal collection process. The Consumer Financial Protection Bureau needs to step in to sanction Midland Funding LLC for these continued FCRA and FDCPA violations. Both accounts must be deleted on my XXXX credit report immediately and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
Macy 's is charging me a { {$2.00} } " Minimum Interest Charge '' fee on a XXXX balance credit card account. My Balance was XXXX on my XX/XX/2017 Statement. I pad the balance in full on XX/XX/2017 way before the end of the billing cycle. On XX/XX/2017 I was charged a {$2.00} fee. This has happened to me several times in the last few years. I want Macys to respond to this and let us know what is being done to fix it. How many other customers just pay the fee? When I called macy 's, they told me it was not an issue and I will always be charged this fee unless I pay the balance in full every month. We should not have to make a phone call and wait on hold everytime this happens. They need to fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-25
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX used unscrupulous and deceptive practices to try to collect a debt. 
1. Unending calls even after I advised them to stop calling. One call came while I was in hospital being treated for a XXXX illness and the collector would not get off the phone. 
2. Debt collector fail to provide details and proof of debt even after being ordered to do so by the court. 
3. The collector intentionally shared misinformation about a continued court date, which I relied on and they showed up to court and secured summary judgement. 
4. Debt collector failed to negotiate in good faith. We made an offer, under duress, in the hospital just to make them go away. And they responded affirmatively with a letter that quoted an offer which was three times the amount that I actually offered. 
5. Debt collector continued to pursue action even though they were advised that the debt was not mine and further that I had retained counsel for the purpose of bankruptcy in XX/XX/XXXX and they refused to contact her. 
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 2016-06-14
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am complaining about my experience at the Citibank branch on XXXX XXXX in XXXX. I visited the branch with my mom to check our checking and saving accounts, but we were told that my mom 's checking and saving accounts were closed due to inactivity. To even more of a shock, we found that her account was deducted monthly service fees for years while she was abroad until the point that Citibank decided to close her account and report unclaimed property to the State of California. 

I acknowledge that it is her fault not updating her address, but there is a contact number and email on file. If Citibank did exert a minimal level of due diligence, they could have easily reached her without having to resort to this action. 

As we met with XXXX XXXX XXXX, the Branch Manager, not only did he act like he was not able to help but also show contempts towards us! He said : " when your mom went back to XXXX, she should update her address. We have so many international clients, and we can mail her statements internationally. '' First of all, we are not from XXXX - he judged us based on our races/appearance. Second, we already acknowledged that we did not update the address, so what is the point of repeatedly mentioning this without really addressing the problem. He then went on to say " we only have your mailing address on file, so that is the only way we can contact her, '' but he later found out that a phone number and email address were clearly listed in the profile. He was not actively trying to resolve our problem, and instead just beat around the bush to ridicule us. He did not show empathy to what has happened to us, and made jokes about there are people like us too by saying " there customers who thought they have their vacation money, but only to find out their money is gone. ( laugh from the manager ) '' I think XXXX XXXX XXXX was not behaving in the manner that I would expect from a customer service perspective. He was demeaning and showed contempts to customers. 

I hope you can seriously address this issue, because I am now very upset about Citibank 's lack of due diligence in verifying accounts of inactivity, deducting service charges without notifications, closing accounts without verification, and also the unprofessional demeanors of XXXX XXXX XXXX. Thank you for your attention.

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 2016-08-22
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
When Costco terminated their relationship with XXXX XXXX, I advised Costco that I did not want another XXXX card with Citibank. Costco personnel advised me not to activate the card when I received it. I did not activate the credit card that Citibank sent to me. I subsequently received a bill from Citibank for the {$55.00} annual membership fee that was billed to the account that I never activated. I have called Citibank twice. They have informed me that the account is closed, however, I needed to have Costco back out the {$55.00} membership fee. When I went into Costco, they said they could not back out the fee without the credit card, which I shredded when I received it. I am still receiving voice mail messages from Citibank about my " account '' which they have twice informed me was closed, even though I never opened the account. I am disturbed that a vendor was able to charge an item to an account that I never activated, and am now getting the run around from both Costco and Citibank. Citibank just wants me to pay the {$55.00}. I do not want to pay on an account I never opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
fraudulent charges were made to my macys credit card. Someone obtained by my information and made charges to my account. Macys sent correspondence to the wrong address. I never lived at the fake address that Macys sent letters to. I filed a claim on XXXX XXXX, 2015. They claimed to have proccessed it on XX/XX/XXXX. Since then they have been investigatin without any indication of whether the charges were fraudulent or not. Now recently, under threat of litigation, there was some progress. The company stated that they were going to clear the charges and report it to the credit bureaus. I asked for a letter detailing the investigation was indeed over but a few days later, I get another call stating that the charges are clear but they are still investigating. They denied the request for letter given.

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 2016-03-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
The Home Depot/CBNA account # XXXX is showing a negative 30 day mark on my credit report for XXXX. I have called them to dispute this multiple times as I was not aware that a payment had not processed. As previously stated to them, this was set up on auto pay with my XXXX account, NOT home depo, and for whatever reason did not get to them. When I was notified, I immediately paid the account and it is even paid in full/off. Home Depo had very good customer service and understood what happened, they refunded all the fees and late fees associated with the error. I appreciate that, however I do not feel this should have been reported on my credit report. I have talked to multiple representatives after, and they all advised that once reported they cant remove. They again proceed to say we updated everything on there end and credit me any fees, however I am disputing the 30 day late reporting on my credit report. I kindly ask you please remove or advise what next step I need to take as I strongly feel this was incorrectly reported. 

*note you have removed ALL fees, therefore based on this you acknowledged this was an error, please move 30 day late as well.

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