BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-19
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Citimortgage approved me for a re financing of our home. They instructed us to make 3 payments at the new lower payment which we did. They also said soon you will receive a package with instructions on how to proceed. When it did n't come I spent entire days, many hours trying to get answers and was often hung up on. Eventually I started taking notes of who I spoke with, the date and time. Eventually a representative instructed me until further notice to stop making any payments so I did against my better judgment. I assumed that because they advised this they acknowledged how messed up their own system was. I eventually found myself in default on my mortgage and nothing but run around tactics from Citimortgage per usual. I hired a lawyer that showed me multiple areas they conducted illegal actions against me and assured me I could not lose my home.I was stressed all the time and wound up developing a XXXX XXXX! I wound up having XXXX and woke up XXXX. Fighting for my life was now my priority. I ended up losing my home and am furious that Citimortgage and their false instruction put me in this situation. I want them to be held responsible for their lies. It caused my family their home! I did n't know about being able to complain or where until now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Brock & Scott, PLLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt occurred from identity theft and the collection company didnt even verify and filed a lawsuit on me. 

Brock and Scott

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Funding has called me several times a day on both my cell and home phone. They have also has placed several accounts on my credit report for debts that I allegedly owe to them, however I HAVE NEVER DONE BUSINESS WITH THIS COMPANY!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Navient Solutions, LLC.
State: MS
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have tried contacting everyone from my loan servicer, Navient, to the XXXX XXXX XXXX Ombudsman ... I have written documentation along with return receipts from my numerous attempts to apply for financial hardship. I only took out {$7500.00} in student loans with XXXX XXXX. I paid that much back in full. There is no way i couldv'e taken out over $ {$15000.00} in student loans in less than a calendar year ( plus I still had to buy textbooks out of pocket ). I attended the XXXX XXXX XXXX XXXX XXXX -- enough said. Even art institute will not reply. My credit is ruined because not only in navient loan on there, but every time they turn it over to someone else, its a new negative mark on my credit. I have begged for debt verification. No one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2015 I ordered a Washer, Dryer and accessories from BestBuy store in XXXX, Ohio XXXX. I was delivered on XXXX XXXX. The washer was defective and was returned to BestBuy on XXXX XXXX. Return authorization number XXXX. Since that date BestBuy/Citi Bank continue to refuse to credit my account pending their internal processing which they state will take 45 days!! Within 3 weeks, I ordered, received and returned their defective product. Now BestBuy states it will take another 6 weeks to research and resolve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-27
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company ( Macy 's ) calls XXXX 5 times a day. I 've answered and told them I 'll give them their money, but the calls keep coming to the point where it 's interrupting my day. When they say they 'll stop calling, they call me from a different number from a different state. I 've already had to block XXXX different numbers from them. Its getting out of hand.

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 2015-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I wrote an incorrect check to an assisted care facility XX/XX/XXXX to cover charges for my mother 's care. The figure written was {$2000.00}, however, I mistakenly wrote XXXX Dollars and XXXX cents. The check was presented to Bank of America, who without questions accepted it for the written face value.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX XXXX {$110.00}, XXXX XXXX XXXX XXXX {$6200.00}, XXXX XXXX XXXX XXXX {$8500.00}, XXXX XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$0.00}. Each of these accounts are on my credit report. I have not applied for any of these accounts listed on this statement. I have spoke with an creditor for each of these accounts. Nothing has been done, I also have another unauthorized account on my report, the creditor name is unknown XXXX XXXX {$5900.00}. I have never used any of these accounts.I have never applied for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I had to short sell our home in XXXX 2010 due to financial reasons. I had XXXX mortgages on the home and Citi Financial was a XXXX Lien as a HELOC. Upon closing, they provided me with a settlement letter that they would report to my credit report as a {$0.00} balance with a {$0.00} monthly payment. It 's been over 5 years and they 're still reporting both a balance and a monthly payment. I have been calling their credit dispute department for several months to no avail. I have documented evidence that I 've sent the requested information several times and they have not complied. The requested documentation was ; a full copy of my tri-merge credit report showing the Citi Financial loan with the balance and monthly payment, a copy of the satisfaction letter and a copy of the completed and executed HUD from the closing on the home showing CitiFinancial being paid. This information has been faxed to them on several different occasions. I confirmed this afternoon that it was received by their Credit Dispute Department and their Recovery Department and they have done nothing to help me. My wife and I are now back on our feet and have not missed a mortgage payment in over 5 years. We 're trying to qualify for a new home and this item is preventing me from doing so. I have had countless conversations and have lost count of how many hours I 've spent trying to get this resolved and every time I call they tell me that it 's not the correct department and have me send the same information over and over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Someone presented my Idenity at Bank of America and withdrew my money. 
-Total {$10000.00}. {$5000.00} from checking on XXXX occasion, and {$5000.00} from savings on another occasion. 
XXXX separate Branch banks. XXXX in XXXX, NJ, and XXXX, XXXX XXXX, NJ. 
XXXX separate occasions. XXXX, checking on XXXX/XXXX/15, and XXXX, savings XXXX/XXXX/15. 
-I was told that the signatures did not match. 
-I do not live in the above state. 
-These withdraws are completely inconsistent with my financial record and habits. 
It is clear to me from the above information that Bank did not do its job to protect me or my money. There are many red flags. On XXXX separate occasions, a person withdrew large amounts of money w/o a signature match in a state that I do not live. This is neglligence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Ability Recovery Services, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), this Notice of DIrect Dispute includes : Identification of the specific information being disputed : " most provided a signed contract between me and the creditor to validate this account '' an itemized statement does not validate any account, so dont provided, third party is hear say, my be a signed contract, NOTICE GIVEN PRIOR  TO FILING SUIT IN XXXX XXXXXXXX, OK

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 2016-08-31
Company: Oracle Financial Group LLC.
State: NM
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:
Would not send me any paperwork through mail. Only emailed me a form stating what I agreed to pay back. Did not say anything about where my debt was from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-17
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was give a XXXX month reduced payment plan by Navient representative of direct payment from my checking account. XXXX XXXX payments where deducted from my account when I called Navient rep to inquire why XXXX payment was not deducted I was told the original rep had made a mistake and that I needed to start making full payments I asked why I was not notified and only to be told they where sorry. I feel that because they agreed to reduced payments and deducted XXXX months of payments that not honoring the remaining XXXX months is a breach of contract and would like to know if legal action can be a course of action?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citigold XXXX XXXX XXXX Promotion and I was told by a number of citi employees that I was confirmed to be eligible for the bonus. I have even payed fees associated with the account in anticipation that I would be receiving the bonus. I have attached here proof representative stating that I would be receiving the bonus once I met the minimum requirements which I did meet. Also a in branch representative, XXXX XXXX XXXX, at Citibank , N.A . XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, assured me in person and by voicemail that I would be receiving the XXXX Miles. The representative was very kind and thoughtful. However, I still have not received my XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2015-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I want to report Bank of America for its ethics. I have had accounts with them for a long time. In XXXX of this year I transferred a high balance account from XXXX dept. store for a lower interest rate. When I investigated why my balance never seemed to change, the woman at the bank told me my interest rate was 24.99 %. This is higher than the balance transfer from the department store than I transferred from. After many calls and chats with the bank, they told me that 4 years ago I had an XXXX XXXX card and charged {$3000.00}. with that interest 24.99 %, I have no recognition of that. I never had a card to use all these years with that number. It could be true, but I sincerely do n't remember. 

He said they have XXXX interest payments for different transactions on my account. They have been charging this interest rate for 4 years. When I applied for the loan to pay off XXXX dept. store, they broke it up in XXXX accounts. The highest balance was put on the 24.99 % loan. After 4 years, I still owe {$4600.00}. at that rate, I was paying back about {$1.00} a month. I called them several times and, since I have XXXX loans with them, the XXXX loan has an interest rate of 9.9 %, the other is 0 % interest until, I think, XXXX of 2016. I begged them to lower the interest rate to 9.9 % since they have never contacted me to let me know of any promotions to lower the interest. I was too stupid to monitor it until I realized that the amount was never going down and the XXXX interest was less then BOA is charging me. At this rate it will take me 20 years to pay it off paying the minimum. 

I will be XXXX years old in three months. I live on SS and XXXX small pensions They refuse to lower the interest. Are banks regulated? They charge what they want to charge and have XXXX way system of charging you interest. They never tell you that. If you are late, they charge you a {$35.00}. late fee. If you can not pay on time or have no money, what makes them think that adding {$35.00}. will help the person. They refuse to help me unless I was homeless. I have spoken to several people at the bank. I made a partial payment last month in protest of the high interest that I never knew was that high, and paid my other XXXX. Now my credit score is impacted with this and all the other debt I am in. I wish SS would increase our money 24.99 % but they do n't. I think someone should look into the dishonest practices of Bank of America. These banks are under-handed and take advantage of senior citizens. They are cold and unresponsive. They have had it too good for all these years. Is there any way you can help me? I would appreciate anything you can do to help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX we purchased a home with a FHA Mortgage Loan. 
in XXXX XXXX we filed chapter XXXX Bankruptcy because we could no longer afford the home due to employment loss/ employer reduction. 
we were discharged on XXXX XXXX, XXXX. 
the home of XXXX XXXX tx XXXX later went info foreclosure on XXXX XXXX, XXXX. 
we are being given the run around by mortgage lenders and bank of america customer service. 
we cant pass caivrs during underwriting for a new home loan whether it is conventional or FHA. 

we filed for bankruptcy because of a situation that was out of our control. we qualified for bankruptcy because of that same reason. the bankruptcy included the home in XXXX XXXX, TX. the discharge clearly states we were not responsible for the mortgage loan any farther and to not make any payments towards it. no clear dates have been given regarding why it took the bank over a year to foreclosure. OR why we are responsible for the foreclosure if it happened after the discharge. please provide dates and why we are being penalize by this foreclosure. our credit shows the bankruptcy only and other than that our credit is in great standing. we are unable to get a home and there needs to be a clear explanation why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
During the process of obtaining a mortgage, Bank of America sent my personal information to an individual that is unknown to me. My loan processor said in an email that my closing documents, which include sensitive personal information, was sent to an individual that I do not know. I did not agree to let that individual to possess my personal information. My identity could be stolen as a result and I expect Bank of America to be able to protect and prevent that from happening. However, Bank of America was unable to do so and knowingly sent my personal information to an individual that has no prior connection to me. Once again, I did not agree to have my personal information to be sent to that particular individual. I have to emphasize that I do not know the person that my personal information was sent to. That should not have happened, and I 'm extremely frustrated and disappointed in Bank of America 's action.

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 2016-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Bank of America is not offering a fair solution to resolve my loan issues. They are re-requesting the entire information I have sent several times, plus adding additional information for me to submit. Bank of America made me wait over 1 year and 3 months to deny me at the first level. This is costing me thousands of dollars in increased loan payments. 

Bank of America is now wanting me to go through this entire process again. My property managers haves suffered as well as far as having to submit and re-submit documentation showing rent. Now they are threatening to quit as this Bank continues to put me though XXXX and back. This agency needs to do something to keep this bank in check.

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 2018-05-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I graduated inXX/XX/2010 and have been repaying on this ( approximately {$50000.00} ) loan faithfully for over five years now. My balance is **still** {$47000.00}. This is criminal! These dirty student loans were deliberately designed never to be repaid. I am incredibly angry. How can this behavior be allowed to continue? Why is this not illegal? 

Total Payment Amount : {$18000.00} Applied to principal : {$3600.00} ( really?! ) Applied to interest : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: CITIBANK, N.A.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have just completed paying off a mortgage with CitiBank, I had automatic withdrawal for my payments with the last payment due XX/XX/XXXX and I owed a final, partial payment of {$430.00}. Instead, they withdrew the full {$980.00} minimum payment as well as the {$50.00} extra I had been paying monthly. I called them the XX/XX/XXXX and they claimed the refund was in the works. I called again XX/XX/XXXX and was told that that direct deposit to my XXXX XXXX checking account was not possible but they would expedite the check and it be created by XX/XX/XXXX. I was also told that it was routine for the entire last payment to be withdrawn 'in full ' even if less was actually owed. I have received formal notice that my account has been satisfied and a refund is due me. 
Since this is their normal procedure and the refunds are typically delayed a month, this seems like a nice money maker for CitiBank - they can use my money free-of-charge. I would go so far to say that this appears to be a calculated scam - taking more than is owed and then repaying the overage ( without interest ) with much foot-dragging.

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 2016-12-16
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
The Costco and XXXX XXXX arrangement ended in XXXX 2016. Costco and XXXX XXXX agreed to automatically enroll customers into the Citi-Bank Visa program without customer consent. I terminated my XXXX XXXX card 3 months prior to the transition between XXXX XXXX and Citi-bank, yet, I received a Citibank Visa Card. I cancelled the card shortly after realizing I had been fraudently signed up for the Citibank card. It 's now XXXX 2016. I find out through the Costco Warehouse account that the card I cancelled was n't cancelled and that Costco fraudulently charged my renewal membership to the card without my authorization. I again have tried to cancel the Citibank card to find out I need the entire card number to cancel it. I never received any mailed statements or literature from Citibank on the card. I again requested a written statement from Citibank that the card was cancelled. I was told I could only cancel the Citibank card once I have the full statement and account number available to cancel the card. This is fraud on both Costco and Citibank.

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