BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-23
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
As described in the previous complaint, which was against the CRA itself, it is impossible for me to have XXXX hard inquires waiting weeks apart earlier this year. As explained, Citibank XXXX XXXX, XXXX XXXX, SD XXXX ( XXXX ) XXXX was notified of this error in multiple letters and a phone call. Apparently, Citi thought that a letter or a phone call meant that I wanted another hard inquiry done, which I never gave them permission to do so. It is absurd to think that I would expect a different result within weeks, I merely sent a letter asking for application status, and phoned to also discuss the application and if they received my letter. Because of a possible language barrier, it appears that the citibank customer service agent simply would try to run another hard inquiry. It appears that during this time frame of only a few weeks, my credit score dropped XXXX points. Furthermore, until this is corrected, I can not apply for additional credit with anyone in fear that they will look at these XXXX erroneous requests as a desperate attempt to get credit, probably to be denied and to make the situation worse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PNC mortgage forced escrow due to malfunction on my insurance companies side and they mailing out saying all the companies accounts we delinquent due to glitch. Well they reinstated them. My mortgage company " did not '' reinstate my insurance. They continued to escrow and not apply my mortgage. All though one i called they said they had received my policy hence the forced escrow should have stopped. I have emails and fax confirmations for 4 months now that I have sent the info needed. The collections dept ca n't call the escrow dept because they have different work hours. If they are to provide a service to collect then they need to have all dept open at the convenience of the customer to resolve any issues at hand and not have gaps in time and systems info communicating to all dept related to an account not just tid bits related only to that department. They returned my money reported it as not paid. Now reporting that to the credit bureau affecting my credit history. An email and I would have sent payment asap to avoid credit reporting issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
PNC foreclosed our home in XXXX of 2012. PNC also owned the second which was a successive loan secured by a separate deed of trust on the same real property. PNC sold our debt to XXXX XXXX. This was a nonjudicial foreclosure. 
According to XXXX and XXXX PNC should have filed a deficiency judgment against us within 3 months of the foreclosure. 
PNC is now saying they did not have control over the second at time of foreclosure but we have emails that support the fact that they did have control over the second. 
We had a buyer for our short sale. The PNC the second agreed to settle the XXXX loan amount for $ XXXX. The XXXX agreed to the short sale amount. California XXXX stated that the XXXX had to be settled in escrow. That meant the XXXX had to agree to let this happen in escrow. PNC the XXXX would not agree to it. PNC the XXXX wanted all the money. Therefore PNC the XXXX foreclosed. This is all supported in the copy of the emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We have been trying to get our loan modified since the beginning of XXXX. We have had to send in multiple applications because Citibank closed our original one before it was completed. On XXXX XXXX, 2017 we were told our application was under review. They have since been requesting information we have already provided them. They have not returned emails or been available for scheduled phone appointments. I finally talked to a supervisor today who was incredibly unhelpful and would not advise me on what they needed as far as a profit and loss statement on letter head. She said I would need to talk to an accountant. I told her we would be filing a complaint and she stated it would n't matter and they would tell us we need to provide more information. We are feeling very much at a loss on how to move forward.

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 2015-12-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I suffered a job loss XX/XX/XXXX. I have been a loyal cardholder of Citi for 20 yrs and opted in for their Credit Protector program for XXXX credit cards with Citi and had been paying this for over 4 years. I submitted a monthly form to utililize their Job Loss benefit which covered just my monthly payment every month. In the current terms it stated after 24 months the company would cancel my balance if continued job loss occurred. When my 24 months passed, I got a letter indicating I do not qualify any more as their change in terms for the program upgraded XX/XX/XXXX so I will not be applied the benefit after 24 months. This was devastating as I clearly could not continue making the monthly payments as unemployed. This is complete fraud and a scam to those in need of the benefits they advertise and offer.I called several times to verify this and spoke with supervisors who were unhelpful and a total disregard of my situation. After being a loyal cardholder for 20 years, they offered no assistance or consideration. I did not know who to report this to of if it is even legal to remove services or change services and mislead you into believing the customer is at fault! I would like to report this as Im sure several other cardholders fell into this trap as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: CITIBANK, N.A.
State: VA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
This is a follow-up to a previous complain that I have filed. [ Case number : XXXX ] I have been working with my financial institution ( Citibank ) on this issue continuously since my previous complaint. 
Previously, Citibank advised, " On XXXX XXXX, 2016, we received notification from XXXX that on XXXX XXXX, 2016 your wire transfer was processed in accordance with your instructions and that the beneficiary 's account was credited. '' This is NOT Accurate. The funds were sent to a Different Account and in a Different Currency from my Instructions. I have attached documentation that demonstrates that my instructions were not followed. 
I directed the funds to be deposited into account # XXXX. However the funds were deposited into account # XXXX. This is inconsistent with my instructions and the Wrong Account. The last XXXX digits of the account specify the currency ( XXXX is a XXXX XXXX account and XXXX is a local currency account ). 
I have attached a copy of my Bank Wire Instruction with the designated account highlighted along with a copy of a statement showing that the funds were deposited into the incorrect account. 
I have provided the documentation to Citibank but they have failed to rectify the issue. 
I am seeking Citibank to comply with my instructions or refund my money.

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 2018-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX and Transunion are reporting my total credit history to be 14 and 15 months respectfully ; thus lowering my credit score unfairly. I'm XXXX years old and my credit history is actually well over 30 years. I went through a successful Chpt XXXX BR, paying off all my previous creditors three years ago. 

My correct length of credit history should reflect the overall history ; not just the last 15 months. Only showing my credit history as 15 months, but showing my public record of a Chpt XXXX BR, does not accurately reflect my PAYING OFF numerous creditors that go back much more than 15 months. This bias negatively reflects my credit history as being short, while at the same time shows only the negative aspect of my real credit history -- the Chpt XXXX. In fact, only about 5 % of persons filing Cht XXXX complete the payment plan. This is not a negative ; it should be reflected that way. 

I paid off many accounts more than three years ago. The public record SHOWS a Chpt XXXX discharge 3 years ago -- AFTER I paid off several accounts -- such as XXXX XXXX of XXXX County mortgages and many other accounts. 

How could my credit history only be 15 months? That is incorrect.

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 2016-08-12
Company: CITIBANK, N.A.
State: IL
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:
I currently have an outstanding student loan with Citibank. In XXXX 2014, I spent time reviewing my account online in search of a method to increase the auto-debit from the minimum payment to a higher amount, like banks allow you to for credit card payments. I could not find this functionality and so I called the customer service line to inquire how to do so. The customer service representative advised accountholders could not do that on their own, but the customer service representatives could at our request. Therefore, I requested the amount to be withdrawn each month be {$150.00} and the additional $ XXXX be applied to my principal. The representative had me wait on the line a couple of minutes as they executed the request, advising they could n't withdraw an even {$150.00}, but it would be a mere few cents over. Confused, I asked why and they advised it 's just how their system is. I advised that although weird, that it was fine as long as the extra was applied to principal. They then confirmed everything had been taken care of. However, now I have heard from some that many loan providers incorrectly modified the loan schedule for the higher payment, instead of keeping it the same and just adding the extra payment amount to principal - which could qualify as a UDAAP violation. Additionally, that the incorrect loan information ( including minimum payments ) is being provided to the credit bureaus - which is a FCRA violation. I called into Citibank last week to ask whether this was the case - changing the loan schedules vs. applying the extra amount to principal - and their people even confirmed it! They advised there is no way for them to increase the amount withdrawn each month except in doing this, but that I should have been advised. I asked how has this affected the interest I have paid, and they are claiming there is supposedly no impact, but that makes no sense. Please help!

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 2015-08-14
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Privacy

Complaint:
I presently have a credit card with Best Buy ( Citibank is now the lender for this card ). I am presently late with my payment due to a change of salary from my primary employment ( which is struggling ). The issue I encountered with the bank is this morning they contacted my parents home asking to speak to me regarding my credit card. My mom who just was released from the hospital after a month took the call. First of all I do not live at my parents home. My application DOES NOT have my parents number listed as a contact. I do know how they obtained this number. I have been a customer of Citibank for approximately 18 years - holding several checking accounts with them. This branch went into my personal banking files where I know I listed my parents as a reference. I understand a credit division has the right to contact me in this instance, but I DO NOT feel they have the right to " fish '' into my personal banking information and obtain a family members number. Is n't this against the Fair Debt Collection Practices Act? I would appreciate any investigation into this matter. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: TrueAccord Corp.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company continuously emails me telling me they are trying to collect a debt but I have n't received anything from the original company and the balance on my credit report states  XXXX  balance from the card company. I have attached the emails that I feel threatened by as well as they are going by 2 different company names. they are stating in email they are  True Accord b ut then comes and say they are  XXXX . I do n't have any contract with this company and they need to provide me with validation that I have an account with them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To Whom It May Concern, I recently signed up for a bank account with Citibank due to a promotion they were offering of XXXX XXXX XXXX miles upon successful completion of certain requirements. The promotion was confirmed to be attached to my account with an online chat representative and I completed the requirements. However, Citibank is now stating I am ineligible for the promotion and will not credit me the miles even after charging monthly maintenance fees on my bank account. Since there is not even a Citibank branch near my house or work, the bonus outweighed the lack of convenience and got me to deposit my funds with their bank. I believe it would be deceptive and bad practice to not honor this promotion since it was a strong factor in even choosing their bank.

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 2016-07-18
Company: Kross, Lieberman & Stone, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent Kross Lieberman & Stone on XXXX XXXX, 2016 to request validation under the Texas Financial Code. On XXXX XXXX, 2016 i received improper validation from the Kross Lieberman & Stone. On XXXX XXXX, 2016 I sent Kross Lieberman & Stone another letter informing them that they did not properly verify the debit under the Texas Financial Code and that they either need to verify or delete the debit. Kross Lieberman & Stone received that letter on XXXX XXXX, 2016 and i did n't get a response back from them. I sent them one final letter on XXXX XXXX, 2016 letting them that they never responded to my request and that since they are refusing to acknowledge the debit validation or send me what i am requesting under the Texas Financial Code and i ask that they delete the tradeline since they are properly giving me the validation i request in my first correspondence. Once they received that letter on XXXX XXXX, 2016 and I never recvied anything thing else from them and they are still showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: CITIBANK, N.A.
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
To Whom It May Concern : I had contacted a local Citibank about refinancing a mortgage that I hold on a home in XXXX XXXX to take cash out of the equity for use in purchasing another home. I held a meeting with a loan officer at Citibank, XXXX XXXX XXXX XXXX ( NMLS # XXXX ), to discuss their refinance services and asked if they could give me what I would need to purchase a second home : {$150000.00} cash-out from my existing property that is nearly paid off. I provided them with an estimate of the home 's value as well as my income from the last two years, based on my tax returns, as well as the debt that I owe on my cars. The loan officer was optimistic about obtaining the equity, and informed me that I would have to pay for appraisal and application fees upfront, which came out to the disputed amount of {$520.00}. 

I left the office and received the attached document titled, " First Loan Estimate, '' which listed the amount that I was seeking and an interest rate that XXXX and I previously discussed. However, a few weeks later, I received the Second Loan Estimate, which specified that the loan would drop from {$150000.00} to {$85000.00} while the interest rate would increase from 3.75 % to 4.375 %. I wrote the loan officer an email where I explained that this is not acceptable and if it can not be corrected back to what we discussed, I would like to withdraw the application and to refund me the application and appraisal fees. 
The loan officer called me a few days later and explained that he could possibly raise the amount of the loan again but to give him a few days to see what he could do. I agreed, and then received the document titled Third Loan Estimate, which was for {$110000.00} at 4.375 %. 

I explained that this is not acceptable and that I can not purchase a second home with such a small amount, especially considering the fees associated with the loan. The loan officer agreed to withdraw the application but when I asked him to also refund me my upfront fees he replied, " Hi XXXX, we wo n't be able to refund the fees. As we had discussed they are not refundable. '' He never stated that the fees were non-refundable prior to paying them ( see the attachment titled Emails ), nor did he ever warn me that the loan amount could drastically change like it did. I would like to ask that the fees I paid be refunded.

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 2015-12-31
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I, XXXX XXXX, was the owner of, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. I purchased the Property by obtaining a secured Deed of Trust from CITIMORTGAGE, INC. Loan No. XXXX. The Deed of Trust was secured by the bank, and provided for a foreclosure sale of the Property to satisfy the unpaid balance due on the Deed of Trust since I was alleged to be in breach of the agreement. I made monthly mortgage payments for the Property pursuant to the Deed of Trust for approximately five years, though eventually a balance accrued and the bank informed me of its intention to foreclose on the Property. On or about XXXX XXXX, 2015, the principal balance on that Deed of Trust was approximately {$100000.00}. The bank did foreclose on the Property, and the Property was sold on XXXX XXXX, 2015, for {$150000.00}. My understanding is that the bank received that full sales price from the purchaser of the Property. The sales price exceeded the balance on the Deed of Trust by approximately {$49000.00}. The bank has given none of the {$49000.00} excess proceeds from the sale of the Property to me, despite my requests for that amount. Rather, the bank informed me that they would provide that money to XXXX XXXX, a corporation that did not and does not have any lien on the Property. 
I was not notified that the bank was going to foreclose on the house until after the fact. The so called notice was sent to an address that is not mine upon inquiry. I also found out that the so called notice was sent only one week prior to the sale of the property. One would have expected adequate time and notice sent to the correct address before the foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Submission of documentation - additional issues related to complaint number is : # XXXX. I have had this issue before - while undergoing a loan modification, the constant resubmission of documents. I have a realtor, the house is on the market, and BoFA is stalling with questions already answered during the loan modification and are requesting documents that has been submitted XXXX to XXXX since XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I contacted XXXX XXXX to discuss my student loan. The payments they are requesting are unreasonable. I am unemployed and my mom has been supporting me for the last 90 days. The rep I spoke with XXXX became very rude with me and threatened to disconnect the call because I could n't not make my payment. She requested to speak with my consigned I advised her that she is not able to talk she then put her supervisor on the phone who claims he is the only manager in the department. He stated to me that it looks like we can pay because based on my moms credit it does not look like she is struggling. He then became very rude I asked him if I paid XXXX would my loan still default he said yes because I did n't make a payment of {$120.00}. Please help this is my XXXX CFPB complaint

Company response to consumer: Closed with explanation