BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-24
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a XXXX account through Citibank XX/XX/XXXX. The account came with a ThankYou points promotion ; if I fund the account and make bill payments from their portal in two consecutive months, then I 'll receive XXXX points 90 days after the last bill payment is processed. I was told by numerous Customer Service Representatives, both online and by phone, that the account was in good standing and that I qualified for the promotion. It was only after the 90 days had passed, which was XX/XX/XXXX, and they had charged several monthly fees for the account, that I was told that I did not qualify for the promotion. I tried to resolve the issue by asking for my issue to be escalated internally, but I kept getting the same response, despite being told numerous times that I qualified for the promotion.

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 2016-08-12
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Citi closed my inactive credit card account without any notice. Closing a credit card account - especially XXXX with a lengthy history - without giving prior notice of any form ( email, notice on website, anything would 've been helpful ) can significantly damage one 's XXXX score. In my case, it was my longest standing credit card of nearly 10 years, so ultimately I am being negatively punished on my mortgage rate for the next 30 years because I did the prudent thing and did n't use my credit card!

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 2017-02-27
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I never had a XXXX account of my own. My cousin had opened the account in my name using my social security number that he stole from 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 2016-09-09
Company: WELLS FARGO & COMPANY
State: MT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/16 I went into a Wells Fargo branch to close my checking and savings accounts. A banker told me I had XXXX due on the account. I gave her XXXX in cash, and she purportedly closed the account. The account remains open, despite calling the bank numerous times and having the bank assure me the account is closed. Even worse, the account is racking up overdraft fees. I now allegedly owe {$140.00} for an account that I closed.

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 2015-09-28
Company: National Credit Adjusters, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called claiming they wished to contact my friend for a job offer and that he had left my information as reference for said job. They claimed they can not contact him and asked that I forward information to this friend to call a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX extension XXXX. I 've received several calls over the past year with the exact same claim for my friend, which i know is a scam attempting to get me to do their work in a collection attempt. Seeing as I have not given them permission to contact me on a regular basis yet they continue to call me with this scam, this can not be legal. Caller ID showed the number originated from the collection agencies Arizona number : XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Navient Solutions, LLC.
State: OH
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:
Navient has been unresponsive after I 've asked to speak with several managers. I have called them consistently since summertime as my automatic payments were not being taken out. They say it came back as NSF, but my bank says it was never billed. Then Navient admitted to having IT issues. Late fees, interest, you name it. After calling to resolve many times, they offered me payment options and promised to repair my credit damage of their reporting me. After making each payment, they would change the terms and tell me I had to pay additional money or pay this or that, and then they would rescind the negative info. I finally scraped up the money and paid what it said I was past due on after their lies - and the online account still shows I owe money as of XX/XX/XXXX and its XX/XX/XXXX - so my payment made on XX/XX/XXXX obviously did n't post although it was taken from my bank account. I called again today and requested that a manager call me back - nothing yet. Supposedly they record all calls - well, someone should listen to all the lies they 've been telling me over the months and changing the agreements. It is unethical and immoral. They are ruining students lives! Check the recordings and the call logs - I 'm the one who calls them! And if they ever seldom call me, they NEVER leave a voicemail but the recordings will prove they LIE and say they did leave a voicemails, and I dispute that and tell them they are lying directly. Listen to the recordings!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
I have Reward Point with my ATT Universal Card which is now owned by Citi. 

I have tried to retrieve my rewards and the website will not allow me to.

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 2015-08-03
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I refinanced our mortgage in XX/XX/XXXX with a broker named XXXX XXXX XXXX of XXXX, FL. The Mortgage ( attached ) was dated XXXX XXXX, XXXX, was assigned by Assignment of Mortgage on the same date to Option One Mortgage Corporation. Both of these instruments are recorded in the Public Records of XXXX County, FL. We built this home in XXXX on land we owned free and clear, and moved in XXXX of XXXX. We learned through a succession of loan services for our mortgage ( Option One, American Home Mortgage, Homeward Residential, and now currently Ocwen Home Mortgage ) that our mortgage refinance from XX/XX/XXXX was placed in a mortgaged-back trust. We have a HAMP modification and are not in default, nor have we ever been in default or had foreclosure proceedings brought against us. My husband and I are planning to pass our home to our daughter when we pass away, and based on information we have learned from the mortgage crisis, our title is probably clouded. We want to know who owns our mortgage ; what entity will issue the Satisfaction of Mortgage when we pay it off? Clearly, many homeowners had to deal with fraudulent assignments " after the fact '' because the trusts had to show ownership for them to foreclose. Since Option One went out of business shortly after our mortgage was executed ( and the successor company no longer dealt in mortgages ) ... but our mortgage trail has no assignment ( s ) to the real estate security trust ... and creating assignments at this point to recreate that train of title would be fraudulent ( because the pooling and service agreement for the trust stated that the assignment to the trust had to be accomplished years ago before the trust closed ) ... how in the world is legal title going to be accomplished when the mortgage is satisfied and we own the house? We need to know what to do to establish clear title and guard ourselves against Ocwen Home Mortgage ( a known violator of fraudulent assignments and " robosigning '' ) from creating any fake documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.

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 2017-03-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Received credit card statement from Citi - which is a Costco Anywhere Card. 
Nowhere in XXXX PAGES of the bill, could I find where it states who I should make my check payable to. XXXX call : She said Citi Cards then I was disconnected ( my fault ). I called back, another said Citi or Citi XXXX. I explained that I wanted something in writing to say EXACTLY who I should make my check out to. She wanted my full SS #, my complete name and address, and my account number and full date of birth. I would n't give her that so she said she could n't pull up my account. Transferred to Supervisor XXXX ( XXXX ) who said I should make my payment to Citi Bank. Again, wanted all my info so I could get something in writing as to where as to whom I should be making my payments to. I would like to know why a major financial institution is not practicing normal business and financial protocol. If I were running a business, I would be so grateful to a customer pointing out such a glaring omission on my invoices. I hope Citi, or whoever I 'm supposed to make my payments to, appreciates my feedback and gets this corrected.

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: CITIBANK, N.A.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Citibank Student Loans- They do not provide any information on how long I have left to make payments on my loan. The loan details only show me the original amount of the loan, the current payoff amount, my interest rate, and my monthly payment amount. There is nothing I can find as to how many months/years I will be making these payments until I have the loans paid off. I even tried calling to speak to someone ( which every time I hit " 0 '' it said that was not an option and just kept repeating my next payment due date ). There is not even a way for me to view any actual statements online and I do not receive any in the mail. My address is up to date. They make it very difficult to get information, and find details about how I can get the loans paid and when.

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 2016-12-01
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/16, a sales rep from American Express came into my store and presented me with an offer of a credit card. Since my business very much depends on the XXXX season, I told him that the only card that would work for me would be one I could pay out monthly. He assured me that the card I would get would be what I needed. I got the card and proceeded to spend {$10000.00} on merchandise for my store. When the bill came, I noticed that the total amount was due, with no option for a minimum payment. I called the rep and he said, " Just call them and they will fix it, they do it all the time ''. So I did. Unfortunately, they did not fix it and told me they could not fix it or transfer my balance to a card that would be better suited for my business ; that a monthly payment was not an option for the card I had and too bad for me. Amex would not let me make payments online or with a check ; they insisted I give them my checking account number so they could take the money directly out of my account. I was uncomfortable with this, but felt I had no option if I did n't want to be reported to the credit bureaus. I called 3 or 4 times, but not until I mentioned your agency would they consider not taking {$2500.00} every Friday from my account ( which I did not have ). At that point, I spoke with a supervisor and she put my account on hold until XXXX, at which time I will have to pay close to {$5000.00} more ( I have already paid {$6000.00} ). I was lied to by the sales rep, even though he knew I would not be able to pay the bill until XXXX. I have not been able to pay my XXXX rent because of this deception and my landlord wants his money, too. I am afraid that if my XXXX sales are not what I expect, I will be evicted from the XXXX. I would never have gotten the Amex card had I known the stress it would cause.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I made a check payment in store to the Home Depot for my Home Depot credit card on XX/XX/2015 for about {$3800.00}. The amount was deducted from my bank account the following day on XX/XX/2015. On XX/XX/XXXX I tried to use the credit card and was told the payment had not been credited and would not be credited for an additional 15 days. Therefore the company took my money and held on to it for 30 days without using towards the payment on my account or reimbursing me in any way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Citi refused to help in any manner to resolve an issue i had came across thru credit bureau reporting when refinancing my home. they reported me XXXX, XXXX XXXX and closed my account. they insisted they could not help bc of XXXX balance. i was even told that i settled with collections dept when asked about adjustments to the account. after review of past statements is when i learned that my payoff amt posted to my acct 2 days later than the due date incurring a late payment which escalated til XXXX 2016 at which time they wrote off those charges and closed my account and reported serious delq. i never used the card again and so i never checked the account. i never received any further notices or telephone calls to try and collect any amounts from anyone until i reviewed my credit report. i tried to contact them immediately to try to resolve this. i was told several diff stories, XXXX it was an error, XXXX, i made arrangements with collections ( explanation for adjustments ) or could not give any info bc of XXXX balance. i had to request all statements to try and figure everything out. Once it was established that the payout payment posted after XXXX i asked if this could be resolved bc i was a good paying customer and that all charges were just charges of theirs and had indeed collected anything i owed and i wanted to get my credit history returned to its great standing. she refused to help and stated that my reportings would not be fixed bc it was not a banking error and their policies had changed and they were no longer lenient in their late fees. i was only 2 days late and this was a complete error and explained had i known about the charges, i would have contacted them immediately and most likely they would have removed charges.

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 2016-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a loan from Bank of America for our home. Total house price was {$45000.00} and we have made some baloon payments and the loan balance is only {$29000.00} or less. 
For all the property taxes of 2015, we have paid all the taxes to the taxing authority on XXXX XXXX, 2015. We had personally been to their branch office and met XXXX XXXX XXXX and given those receipt copies. I had also sent an email to her asking her not to make those payments. I had also paid all the escrow account due on XXXX XXXX, 2015. 
Escrow account is only meant to cover any and all the taxes paid by BOFA. Now there is no taxes paid by them and they have refused to accept it and asking for the payment of escrow account. I should be responsible for the payment of principal and interest in the amount of appx. {$550.00}. Instead of that they are threatening us to foreclose on the house. Also we have paid in escrow account a total of {$38000.00} or more and they have paid out only {$32000.00} or so. I have asked for more than 30 days ago for the account details and I have got no response on that. My loan no is XXXX XXXX. My cell no is XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Funding Credit Management continues to call in reference to a debt that was settled last year XX/XX/2016. Receiving several calls a day from different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collector is reporting a debt that the original debtor is no longer reporting on any reports. The original debtor is no longer reporting the debt, because the statute of limitations has occurred. The last payment date will be 7 years on XXXX XXXX, 2015. 

Although it is only a few weeks away, Asset is the only debt collector violating the federal rule to no longer report the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX 2015, JP Morgan Chase sent me a text alert about potential fraud on XXXX of my credit cards. They asked if I had used this card at a computer store for X amount of {$.00} and I replied 'no '. I then called JP Morgan Chase and spoke with a representative. They advised they were closing my account and would send me a new card in its place. Now, what 's important to note here is I have not used this card in easily 1 year. However, I assumed maybe a store I had used this card at in the past, experienced a data breach and said store retained my credit card information for X amount of time and that was stolen. I did n't put much thought into it, up until now. The new card I received by JP Morgan Chase was AGAIN compromised. What is EXTREMELY important to note is that I neither activated, nor used said credit card since receiving it. It has been sitting in my drawer at home. On XXXX XXXX 2015, JP Morgan Chase sent me another text alert about potential fraud, once again, on this new card. They asked if I had used this card at a men 's clothing store for X amount of {$.00} and I replied 'no '. I then called JP Morgan Chase and spoke with a representative. They advised they were closing my account and would send a new card in its place. I advised this was completely unacceptable and I did NOT want a new card ; I wanted the account closed out for good as security within JP Morgan Chase is highly concerning. They went ahead and closed my account. When I mentioned to the woman that I have neither activated nor used said card which I 've had for just over a month, all she could tell me was " there have been a lot of data breaches going on ''. It is my firm belief that JP Morgan Chase is either : a ) completely unaware that they are experiencing data breaches of their systems directly, which hackers are stealing CC information from, or, b ) they are fully aware of this and are trying to keep it quiet. Either way, JP Morgan Chase has a *serious* problem that needs to be addressed immediately. Credit Card information ( maybe even SSN 's, etc ) is being stolen directly from JP Morgan Chase 's networks, and they are n't even informing their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage was refinanced with new loan provider and old lender sent a debt collection letter after the account was closed. They required verification of personal information and then claimed it was required by federal law to say that it was debt collection letter when no debt exists.

Company response to consumer: Closed with explanation