BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-27
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm stating this because I find it absurd that the limitation for debt forgiveness is under {$750000.00}. I 'm a widow whose late husband refinanced against my wishes and now I 'm responsible for debt over {$900000.00}. In negotiations with OneWest/IndyMac for a mortage restructuring, they received a desktop evaluation that my house is worth less than {$500000.00}. For that reason, I refused the terms of their modification contract. In said contract, they asked me to sign the statement " If, at any time, I can not afford to repay the entire amount of the loan, I agree OneWest/IndyMac can put a lien on any and all of my other assets. '' I refused to agree to that, and also can not accept a modification that 's equivalent to a sub-prime where the interest rate starts out low but increases every few years. I am now facing foreclosure so I would like to see if I can get an extension to the foreclosure date, which is now less than XXXX months, to give me time to find a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed the collections that LVNV Funding LLC had reported on my credit report. As a result they were removed by LVNV, but less than 48 hours after they were removed from my credit report, LVNV placed them back on my credit report. LVNV reported this as NEW Collections. It is not new collections it is the same that was placed on my credit report before.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: MRS BPO, LLC
State: IN
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:
I received a letter XXXX XXXX, 2014 from a collection agency XX/XX/2014 to which I responded with a dispute, I did not hear anything then I received another letter for same collection from a different collection agency XXXX XXXX, 2014 to which I disputed and nothing back-

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Atlanticus Services Corporation
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX is more than 7 years old and was supposed to be removed from my credit report. someone must have shared or bought some information because that debt should have been removed and it was not.

Company response to consumer: Closed
Consumer complaint received 2015-05-16
Company: Concord Resolution Inc (Closed)
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have recieived many ( about XXXX in the last two months..sometimes from a listed phone number, sometimes from a non listed number ) threatning phone calls from " Concord Resolution Debt collection Agency '' In Attempt to collect a debt I do not owe. I have been treatened that I will be arrested, I will have my wages garnished, and I could loose my job. I have called this company several times at the number listed below and spoke with XXXX. I told her to stop calling me and to take me off the call list. 
The phone numbers is XXXX XXXX XXXX my " reference number '' is XXXX Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I currently do not have any outstanding accounts. The debt collector 's name is XXXX XXXX XXXX XXXX XXXX XXXX. The only information provided about the creditor is : LVNV Funding LLC and the original creditor is XXXX ( XXXX ), XXXX XXXX. I have never had any creditor named like neither XXXX. When I called they said I should call XXXX XXXX or XXXX because it is an old account. I do not have any outstanding accounts with them either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-16
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Previous case number is XXXX. 

Blackhawk Network Holdings Inc owes me {$5700.00}. I submitted all necessary information on XXXX XXXX, XXXX to receive the refund owed to me and I have the email to prove it. They claimed to have sent me a check on XXXX XXXX, XXXX which I have not received. After filing a complaint with the CFPB, on XXXX XXXX, XXXX, they stated they will reissue a check and I should receive it in 7-10 business days. I have not received it. Furthermore, I called today ( XXXX XXXX, XXXX ) and confirmed that the last time they issued a check was on XXXX XXXX, XXXX and that the case has been closed. This leads me to believe Blackhawk has been deliberate in not sending me the funds owed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-18
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015, I was making a purchase at Macy 's ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and was offered an additional discount if I " opened an account. '' I was under the impression that it was a loyalty account, but was told after entering personal information that it was for an application for a credit card. I was misled because the term credit was not used in the pitch. I made an immediate request to the store clerk to withdraw my application since I did not want my credit to be checked. 

The store clerk phoned Macy 's customer support, XXXX ( # XXXX ), and was escalated to XXXX ( # XXXX ), and was further referred to Macy 's Real Time Credit Card division, who I spoke with XXXX ( # XXXX ). I was told that my application was pending and that I would receive more information in the mail. Again, I requested to withdraw my application since my application was pending. 

My complaint was escalated to XXXX ( # XXXX ), who later retorted that my application was pending, and another request to withdrawal my application since the status was pending. It was then escalated to XXXX ( # XXXX ) who revealed that my application was an automated hard credit check and was declined. 

I had no intention of applying for a credit card and was misled into thinking that:1 ) the application was not for credit or a credit related product and2 ) that my application was pending, so the application could be withdrawn. 

These predatory lending tactics ( i.e. bait & hook at the point of sale, undisclosed verbiage, automated hard credit checks ) is misleading and is detrimental to my credit rating. 

I want the application for credit withdrawn and stricken from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX place a collection account on my experian credit report this collection account is identity theft my police report number is 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 non-monetary relief
Consumer complaint received 2015-09-21
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Billing statement

Complaint:
Received a monthly statement from Macy 's in XXXX 2015 with a balance of {$610.00}. I paid the bill in full by check, which was cashed by XXXX on XXXX XXXX, 2015. My XXXX statement from Macy 's showed no payment received, so I called my bank and got a copy of the cancelled check. I have called Macy 's American Express Customer Service at least 6 times, emailed from the Macy 's website, faxed a letter and copy of the check to Macy 's Credit Reporting XXXX times, and written XXXX separate letters to Macy 's credit agencies in XXXX XXXX, IA and XXXX OH. I am still receiving calls from Macy 's that I am overdue on my account and would I pay my minimum payment over the phone. I have heard nothing else from Macy 's, Macy 's Credit Reporting, or Department Stores National Bank ( they service the Macy 's American Express Credit Card ). This is not the first problem I have had with Macy 's payments, and I still have a blemish on my credit report from a 30-day late payment from years ago .. tried to get that removed with no success. Every time I call XXXX of the Macy 's Customer Service numbers I get an offshore agent that can not help me, and I usually get disconnected from the call, and each call is usually XXXX hour to XXXX minutes at least. I am not sure what else I can do in this matter. I paid my bill in full, in advance of the due date, and the interest and fees are adding up when I check my account online. Additionally, I have notified Macy 's in writing and heard nothing back from them. What do I do now? By the way, I will NEVER shop at Macy 's again, and will cancel this card once I get this resolved. What a hideous experience!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14
Company: CITIBANK, N.A.
State: GU
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I re mortgaged our home with Citibank in XXXX. After I came home from my third XXXX my wife said she wanted a divorce, this was XXXX. That 's when my financial problems started maybe XXXX MIXED WITH DIVORCE I DONT KNOW. I found my self behind in my payments it is my fault my responsibility. Any way forward to XXXX still in financial problems, now with my Citibank Mortgage I saved my home first time in XXXX XXXX. Divorce finalized same year I was trying to save marriage and home, could n't save my marriage and home was in arrears again she did not want to help pay for home or at least aportion of it. I turned a hardship request to Citibank for mortgage assistance around XXXX XXXX. Request was accepted and I started to turn in all required documents they needed, after turning in documents I was told all foreclosure proceedings would be stopped, but a local firm on XXXX sent me a letter stating house would be sold at auction first time XXXX XXXX, XXXX. Due to foreclosure all the while the loan modification was still in progress. Two more times the sale of my home was set and changed, finally the date was set for XXXX XXXX, XXXX. I was told via e- mail on the XXXX of XXXX that I needed to turn in a few more documents this just 5 days out from sale of my home. I called trying in to speak to my assigned mortgage specialist several times an appointment was even made for him to call me back once. XXXX is a day ahead of the STATES and about 8 hours ahead of XXXX. I was told that on that same day XXXX XXXX that a letter was sent to me via postal services that my loan modification request was denied. It the letter still has n't arrived on XXXX yet today is the XXXX of XXXX my home goes on sale at auction at XXXX XXXX XXXX. After roughly five months of waiting for assistance from Citibank I did not get any help and was told that if I had turned the request in earlier I probably would of had a better chance.

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 2015-08-30
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XX/XX/XXXX, I applied to my mortgage holder Citimortgage to refinance my 15 year mortgage loan to take advantage of a lower interest rate. I was approved for the loan, however, at the time of closing in XX/XX/XXXX I was between jobs and was not allowed to close on the loan although I had bought my home back in XX/XX/XXXX and had never had any problems with my monthly payments, more importantly I continued to make my payments as required even during this time between jobs. Additionally, the required appraisal which caused me over {$350.00} showed that my home value to loan meant that a PMI was not required, Citi has continued to bill me for PMI cost and have advise that it will automatically end in XX/XX/XXXX. My potential mortgage savings were about {$500.00} per month and savings related to removal of the PMI would have been {$170.00}. As for the record, I have been an Accountant for over 26 years and have not been unemployed/underemployed for no longer than 3 months over the past 19 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18
Company: CITIBANK, N.A.
State: CA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fees

Complaint:
Front of sheet accompanying prepaid card indicates " valid thru : XX/XX/XXXX ''. I was n't able to activate the card using my zip code as requested and was finally able to get through to a live agent. Upon activation, agent informed me that the balance remaining on the card was {$13.00} ( instead of {$16.00} ). He had to explain that there was a schedule of fees located on the back bottom of the sheet, essentially fine-print that is not user friendly and seems very shady to me as a customer, since I did not request this prepaid card and it was issued to me by XXXX through Citi.

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 2016-04-12
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I placed a fraud alert on my credit at the XXXX credit bureaus about 1 1/2 months ago. I continue to receive unsolicited credit card offers from Citi Bank. I have received at least XXXX offers within the last week. I contacted Citi Bank to request that I no longer receive credit card offers by mail. I was told that I would be placed on a " do not mail '' list, however, the representative told me that she was unable to tell me how long the request would be effective. I requested a copy of Citi Banks privacy terms and conditions and do not mail policy be mailed to my home. I was bounced around to several different people and ultimately my call was disconnected. 

When I called back, the representative told me that Citi Bank had a policy not to mail privacy terms or the terms of the do not mail list to anyone who is not a Citi Bank customer. I am not a Citi Bank customer. The representative then told me that I could visit a Citi Bank branch to obtain this information. Despite repeated requests, Citi refuses to send me a copy of its privacy terms or the terms of its " do not mail '' list.

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 2020-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Fraud on checking account occurred in XX/XX/XXXX through a merchant we have used before in the fall of XXXX. I contacted Bank Of America to advise of fraudulent charges while they were pending and was advised that they would contact the merchant for proof of fraud in XX/XX/XXXX. The advised me to allow charges to clear for claim processing in which fees would be waived. Card was canceled and replacement was issued. Now months later in XXXX, claim was denied and not paid because Ive used this merchant before. I did ask for the proof from the merchant that this transaction was unauthorized and Bank Of America confirmed they will not require proof of fraud from merchant and make decisions solely on timing of reporting and if Ive used this merchant before. No contact was made with merchant to prove the fraud nor after multiple disputes through management on XX/XX/XXXX and XX/XX/XXXX would their be attempts to contact to the merchant to find out how these items were fraudulent. Solely on the confirmation that I have used this merchant before qualifies Bank of America to not do due diligence to protect their customers and prove that items were in fact fraud. This is not only predatory behavior, but also a concern for a consumer who has been with this company for over 15 years.

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 2016-09-11
Company: CURO Intermediate Holdings
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out an installment loan with Rapid cash. I had problems paying back the installment loan and immediately called Rapid Cash to inform them and make lower payment arrangements. Rapid Cash allowed me to make bi weekly payments in the amount of {$50.00} and I paid the loan and interest from {$2500.00} down to {$1600.00}. Each time I went to a rapid Cash store I was told repeatedly I could make the payments over the phone or internet instead of coming in the stores bi-weekly. On XXXX XXXX, XXXX I took the advice of employees at Rapid Cash and went to the Rapid Cash website and entered my husbands visa check card to make the usual {$50.00} payment. The website did n't allow me to enter a payment amount, did n't show me a balance due, it requested the card number only. At this point I called Rapid Cash to ask for help with the website but they said the account was paid in full. Around this same time my husband called to say the checking so accounty was emptied. I alone with an employee from our credit union XXXX XXXX called Rapid Cash and asked them to reverse the {$1600.00} charge. They refused and told me the only thing I could do was return to rapid cash and take out another loan. With no other way to prevent my mortgage payment from a NSF and no way to feed my family for two more weeks I took the advice from the Rapid Cash employee. I asked them to waive any interest because they unlawfully removed monies from our account and they refused. I now re owe rapid cash {$2500.00} from the {$1500.00} loan I was forced to take out. I make a few payments for {$100.00} and now payments of {$50.00} bi weekly again but all the my payments for over 1 year has gone to interest, none to principal. I will pay them until XX/XX/XXXX for the installment loan. I have copies of the installment loan, bank information, receipts, phone numbers employees wrote on receipts suggesting I call in payments, and letters of attempting to resolve this matter with Rapid Cash. My letters and request have been ignored. Any help will be appreciated because I feel things are n't completely legal with the circumstances. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
To Whom It May Concern : I saw the news articles regarding the lawsuit again Navient. The issues outlined in the article are my exact experiences. 
-My payments were mis-allocated. I final caught on and now send a paper check and write which loan to put the payment on. I then have to check to make sure this actually happened correctly. It often does not. 
- I have tried to overpay several times and have been told I ca n't. They told me another payment is not due until next month. I have had to argue to overpay on my loans. 
- At one point, some of the loans were in deferment per my request. I was told there would be no penalty. I later found out that they were reporting the loans as missed payments which showed up on my credit, thus hurting my credit score. To this day, this issue affects the interest rate on my home mortgage. 

This company is infuriating, difficult to work with, and deceitful. I have all of my documentation at home. If there is a way to get involved, I would love to be included. I want to see some repercussions. For most of us coming out of college, we have never dealt with debt to this amount. It is a scary process. Being lied to has resulted in negative consequences that now affect me years later. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I got an alert that my balance went up on all my loans .... ( Navient ) An alert came to my credit report about increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Monthly maintenance fees are excessive for type of account. The Health Savings Account managed by Bank of America charges {$3.00} per month for our plan and up to {$4.00} per month non employer sponsored plans. There are few transactions processed and the balances in the accounts may be very low.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Incorrect negative credit claims have been included on my credit report form Experian. The claims are from XXXX XXXX in the amount of over {$6000.00}. 
The negative credit claims do not belong to me.

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 2023-02-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022

Company response to consumer: Closed with explanation