BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-28
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My deceased mother continue to recieve mail and correspondence From CitiMortgage , Inc in regards to an alleged Mortgage : Please se CFPB Case # 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 explanation
Consumer complaint received 2017-02-24
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am a Macy 's consumer store card holder and was recently reported to the credit bureau as XXXX days past due. The initial late payment dated back to XXXX however I continued to make payments before 30 day time periods to avoid the late reporting until I could get to financially stable to pay what was owed. I called Macy 's and asked for some sort of resolution and was advised the only option was to close the account, not other hardship arrangement could be made. I then emailed XXXX explain my situation and requested a one time courtesy to have the negative credit reporting removed. I then received a phone call from XXXX, I emailed her after numerous times trying to reach her by telphone but to no avail. Then, I received an email from XXXX stating they would not do anything differently than what has already been done and to contact her if I had any other concerns so I did. I have been trying to pay my recent " Special Event '' financing purchase off as well as catch up the past due balance and I can not get anyone on the phone that speaks reasonably clear XXXX. The individuals I am able to reach simply transfers the call as " protocol '' without offering any assistance for something as simple as making a payment. I have several questions that have gone unanswered and everyone seems to provide a generic email response, or I am speaking with " customer service/collections specialists '' that are telling me conflicting information. I was told yesterday that I needed to just make the payment totalling the past due amount plus the balance of the special event purchase then call back in 24-48 hours and tell them how to apply the funds. She also stated my monthly balance continues to increase because of the one missed payment, but they are not late fees. Late fees are added to the entire amount owed. How then is my balance {$280.00} now instead of the {$180.00} I was paying prior to missing XXXX payment? I emailed XXXX, XXXX, and XXXX in the executive office explaining my issue of communication with reps within their company and no one has contacted me to resolve the issue. Today I spoke with someone by the name ( s ) of XXXX, XXXX, and XXXX. XXXX advised me that if I pay the special event purchase off then that will take care of the past due balance also. My specific question was " How will that take care of a past due balance that is treated separately from this purchase? '' He could not answer me then claimed my phone was breaking up, yet I had no issue speaking and explaining the situation to two reps prior to being transferred to him. How can a company report someone late, and not offer a valid explanation of why the time frame of the late was reported the way it was and also the amount being reported? They have reversed late credit reportings, so why does my situation not qualify for that option?

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 2016-02-28
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
tired of doing this. i have been with ciri bank 25 years plus what banking does not do sometimes is get to know their customers. XXXX does XXXX XXXX and i use those cards for major purchases. not citi. since there is no loyalty since XXXX they have XXXX dollars of interest they refuse to refund all of a sudden when it was happening. i have medical debt that could if i so chose allow me to discharge all. i am not doing this though. 
i am very frustrated at the scripts and bureaucracy in the financial industry what a disappointment that you dont get loyalty for loyalty so i cant give it. onceciti refunds it wuthout throwing it in my face or scripting me. or telling me its valid i will add it to my list of preferred cards. this is for my card ending in 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 2016-07-25
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, My husband and I opened accounts with Citibank pursuant to a promotional offer to receive XXXX miles. When I first applied, I was assured via a written communication that I qualified for the promotion and needed only to meet certain requirements. After meeting those requirements I was assured that I would receive the miles - again by a written communication. 

Later, however, I received a third communication that informed me that I would not be receiving the promotion they had already promised me twice, but instead that I no longer qualified. I asked Citibank to look into this, and a month later received the same communication that I did not qualify. 

This is all despite the fact that I received written assurances that the promotion applied to my account and that it would be honored. Citibank lured me into opening an account with them only to have them take back their promotional offer without warning and only AFTER promising me miles. Completely unacceptable. There is another word for it as well ... Fraud.

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 2021-08-12
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I shopped around when trying to refinance. XXXX, XXXX XXXX, Amerisave, along with 2 others ... Amerisave had the best APR. So I started the process. {$500.00} application fee? Ok, figured I'd save that with the difference in interest easily. Loan originator told me " that's why I love my job, to beat the rates and compete with the big guys. '' In hindsight, they probably train them with that line. 2 months later, after they were terrible getting back with me via email or phone, they denied my loan due to DTI ( debt-to-income ) being " just off. '' I was refinancing to consolidate some debt. You would think that they may actually offer to adjust the numbers to make the loan work and have a new customer, but NOPE they just simply said " I'm sorry we couldn't make it work. '' Makes me think they are a scam company! Conservative figure of " processing '' XXXX applications a month at {$500.00} a pop ... XXXX XXXX XXXX that's a Mil right there. 

And I noticed that your Bureau fined them for the exact same thing back in 2014. They paid the fine and are continuing with the bait and switch fraud scam!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-09
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX the Florida XXXX issued me my backpay of {$3500.00} and it went to direct deposit to my PayPal account which they use XXXX XXXX at superstore you account and I have no problems ever getting direct deposit with them The account number and the routing number is correct everything is correct its just the money is not even showing up at all apparently to PayPal and they are not doing anything about it they said they cant do anything about it my money is just missing and now it is XX/XX/XXXX and still nothing have you looked it up online PayPal is notorious for missing peoples payments

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: CITIBANK, N.A.
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
We received a " virtual '' prepaid Citi Visa card containing {$250.00} XX/XX/XXXX. When we tried to use it XX/XX/XXXX we found that it expired XX/XX/XXXX. I subsequently learned that the federal CARD act requires prepaid Visa cards to not expire in less than 5 years. I contacted Citi, but they refuse to extend the expiration date. I have uploaded a file containing an email I sent to Citi requesting the extension, and their reply in which they claim their card is exempt from the legislation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-10
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX XXXX XXXX I received a phone call from XXXX XXXX indicating that unless I settled a debt with Citbank that day, I would be subject to legal action on behalf of the creditor. They specifically threatened to place a lien on my vehicle. They indicated that the last payment made on the debt was XXXX. I have no idea if this is a valid debt or not, but this well exceeds the statute of limitations in the state of Florida.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
I paid off a balance in XXXX, but because I had n't paid off the previous month 's balance I was charged {$13.00} in interest. I would have paid that - if I 'd known about it, but I never got a bill. I did n't get a bill in XXXX either, when they had XXXX the interest and slapped on a fee. I did n't know about the ever increasing fee until I got a call yesterday about my late payment and went online to see it was up to over {$50.00}. I was shocked. I called the call center and I tried to explain that I never got a bill. She tried to say they were sent electronically - nope, I signed up yesterday when I logged in. Then she said that they were mailed and asked if I moved. Nope - not that either. She did n't bother to validate my address just said it must be a post office issue. She knocked all but {$15.00} off but I explainted that I thought for sure this happend to me once before with them, so there is a pattern. I get all of my other bills, not sure why theirs are a problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Dealership fraudulently used my personal information to obtain an automobile loan. Vehicle failed Maryland safety inspection and repossessed against previous owner ( " 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 explanation
Consumer complaint received 2015-07-16
Company: UMB FINANCIAL CORPORATION
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
UMB Bank sent us an offer by mail of a {$75.00} gift card if we took a draw of at least {$7500.00} against our UltraEquity Line of Credit ( HELOC ) loan. After we did this within the terms of the offer, it has refused to honor the offer of the {$75.00} gift card. Each time that I have called about this matter, I receive a different excuse and no follow up. For example, when I called XX/XX/XXXX, I was told that it would be sent out XX/XX/XXXX. On XX/XX/XXXX, I was told that I received incorrect information and that I would be called back that day as to when I would receive it. However, there was no call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Douglass & Associates Co. LPA
State: TN
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:
On XXXX XXXX, XXXX I received a letter from Douglas and Associates saying that I owed {$9400.00} for Demolition of a property in XXXX XXXX that was transferred to me on XXXX/XXXX/XXXX without my knowledge or agreement. The documentation that I received as " proof '' was a " Limited Warranty Deed '' from Grow Rich Properties who according to the XXXX county did not own the property on that date. The property was transferred from XXXX XXXX to XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX then transferred the property to me on the same date using the document dated XXXX XXXX, XXXX according to Douglas. The XXXX deed states that XXXX XXXX " is seized and possessed of the said land and has a right to convey it '' etc. Another county record says that the property was granted to me by XXXX XXXX XXXX the records do n't even match. 

I did attempt to purchase this property from XXXX XXXX XXXX XXXX starting XX/XX/XXXX and paid them {$20000.00} for the " class '' that " entitled '' me to a property, {$3500.00} for their cost and {$20000.00} for a property. I signed many contracts that Grow XXXX drew up and tried to contact them multiple times as well as the property management company they said I had to use, XXXX XXXX who sent me a Transaction Review sheet in XX/XX/XXXX stating they had my funds to transfer and would send my deed. 

In XXXX of XXXX, I made XXXX last attempt to recover at least a portion of my money by submitting a claim to the XXXX Department of Insurance for an errors and omission claim against XXXX. I sent the response letter to Douglas Associates stating that XXXX did not collect the money or conduct a closing so the department lacked proper jurisdiction. They sent a copy on to the Utah Attorney General and suggested I pursue civil litigation. I did not have the money to do so. After 3 years of trying everything that i could think of, I contacted my bank, presented them with all the documentation and history and received a portion of my money back. I had no more information on this property until I received the letter of debt from Douglas Assoc a few weeks ago. 

I never had a contract with XXXX XXXX, the contracts that I did siged with XXXX were never completed and returned to me. My copies say that I would receive a property that I agreed to take by XXXX XXXX. XXXX. XXXX XXXX is the person who received the condemnation letter XX/XX/XXXX and he was given 30 days to complete them by the City of XXXX. 

I received no notice of the transfer, the " judgement hearing, or demolition bill until last week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: ASSOCIATED BANC-CORP
State: WI
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:
In XXXX, XXXX, I received a Earnings Garnishment from the XXXX Law Office. It was referring to a defaulted loan I supposedly had owed. I did not receive a Judgment from this law firm. I did however receive a Judgment for money from a law firm in XXXX, Wi. on XXXX. The amount was {$18000.00}. I sent a Validation of Debt letter to XXXX Law Office, certified mail receipt, on XXXX/XXXX/XXXX. I received the receipt from them on XXXX/XXXX/XXXX. As of this day XXXX Law Offices is not following federal law and has ignored my right to validation. I have not received anything. On XXXX XXXX, XXXX, I receive a copy of Notice of Retainer and Surplus Proceeds signed by XXXX XXXX XXXX, XXXX. in XXXX, wi. This is to XXXX XXXX Bank regarding a foreclosure I was under when the banks were committing mortgage fraud. My house was foreclosed in which I received compensation under the fraud lawsuit. From the paper work, Associated Bank filed the retainer against XXXX XXXX for money when the foreclosed house sold. Proving that the Associated Bank Loan was taken out with the home mortgaged through XXXX XXXX using the equity as collateral to secure the loan. I personally know the house was sold, I do not have any proof that Associated Bank had received any of these funds through XXXX XXXX. I am being refused any and all information in which I have a legal right to know. XXXX Law Office states they were hired by Associated Bank to collect. I believe this is a false representation of who owns this debt. They are currently garnishing my wages without providing proof or even a Money Judgment from them from the court. I am not aware of the technicalities of a fraudulent mortgage loan on a house that was used for a equity loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I tried to obtain a home loan through PHH and was quoted a rate of 4 % and at loan signingI was given a rate of 5 % - my loan officer did not tell me why and left to go on vacationfor 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX billed me for balance not covered by insurance for ER services rendered to my minor daughter on XXXX/XXXX/XXXX after her father, the insured, refused to pay. Prior to treatment, admissions clerk had me sign a computer pad & explained that it was permission to treat & bill insurance. Provided father 's info during services rendered & clerk said he would be billed as responsible party. No copy of the signed document was provided to me. Within 1 day of receiving balance notice reassigned to me, I paid XXXX of bill and provided hospital with copy of signed XXXX XXXX stating that father is responsible for equal share of uninsured medical bills & his complete contact info to pursue payment. Instead of responding to my dispute XXXX XXXX XXXX XXXX sent me a XXXX bill for 50 % balance. I initiated over 10 phone calls to dispute and assist in providing father 's current information to collect, but instead of attempting to contact court ordered responsible party for payment, hospital assigned XXXX ( XXXX ) to collect against me. 

Per court order supplied to XXXX XXXX XXXX XXXX XXXX collection agency on multiple occasions, I paid my responsible 50 % of medical expense on XXXX/XXXX/XXXX, included complete contact info for other legally, responsible party & biological father, XXXX XXXX and disputed remaining collection. 

After filing previous FTC complaint # XXXX, I received notification on XXXX/XXXX/XXXX from XXXX that debt had been cancelled. 

On XXXX/XXXX/XXXX, I received collection letter from new agency, Progressive Management Systems for same debt. 

XXXX XXXX XXXX XXXX has been provided, on multiple occasions, supporting documents & complete information for responsible party, but continues to re-assign new collection agencies to pursue me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: WINNPOINTE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I refinanced my home and was told there will be no closing costs, and now I found on the closing documents that they charged me about {$1500.00} dollars. I 'm trying to call this company and they do n't answer my phone calls, I had leave several messages to call me back and they do n't call me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: I.C. System, Inc.
State: CA
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:
IC System has refused to acknowledge my debt validation letter. I mailed it certified on XXXX/XXXX/16. I do not owe this purported debt. I am attaching a debt validation letter and proof that I do not owe this debt. By law they are required to respond to my validation letter. Once they go through the validation processs, they will see that I do not owe this debt.

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 2016-03-02
Company: Paypal Holdings, Inc
State: VA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a bill, in the mail, from PayPal Credit for {$1900.00}. I attempted to contact PayPal, with whom I have an account, directly but they never answered my call. I submitted a copy of the fraudulent bill but have not gotten a response. I called the company, Pay Pall Credit 's number listed on the bill and they wanted personal information to file a fraud complaint. I do n't know what to do. I never opened an account with Paypalcredit.com. What do I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Shellpoint Mortgage has reported a false information to us about a foreclosure sale date. They told us that there is a sale date on the property, but there is none. We have submitted an offer for a short sale and they advised us that because of the foreclosure sale date on XXXX/XXXX/2016 they can not review the offer, but we have called and they advised us that there is NO SALE DATE. I do not know why they would lie to us about something so important as sale date. The buyer is willing to pay what what the investor is looking for, but they gave us wrong information. PLEASE HELP US

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation