BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-06
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Predatory Mortgage Servicing ; was an FHA loan now under Citi Financial. They knew I would retire before the loan would be halfway finished and that I would n't be able to afford the payment on social security. Now we are facing having to move, with my son whom has XXXX XXXX and my wife whom is XXXX as well. 
Citi financial claimed to be trying to help us with a modified mortgage but we just found out, after almost 10 applications for one, that they never claimed my wife and XXXX son as dependents, making it look like I was supporting ONLY Myself on XXXX a month. We have had the mortgage since XX/XX/XXXX but Citi Financial became the servicer XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Billing statement

Complaint:
I opened a line of credit at Macy 's and purchased a single item. I paid the bill I received in full, but continued to receive statements reflecting a small balance ( i.e., under {$4.00} ). I called the Macy 's XXXX and paid the card off in full ( again ), and continued to receive statements reflecting a small balance. I called today XXXX XXXX XXXX, 2016 ), and the Macy 's representative admitted that her records showed that I had paid the bill in full in XXXX ; she therefore " waived '' the balance of {$4.00} reflected in my XXXX statement. Once the Macy 's representative " waived '' my remaining balance, I cancelled the account. I wonder whether Macy 's is charging other people interest payments on zero balances.

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 2016-12-05
Company: CITIBANK, N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I wanted to downgrade my citibank checking account to one that is not charged a monthly fee. However, the promotion miles that I had earned from opening the account had not posted yet. I delayed the account change so the missing miles could be applied to my account. Each month I called back to check on it, but the miles still had n't been applied. I keep receiving fees because I ca n't change my account. I ca n't change my account because I do n't want to give up the XXXX XXXX XXXX miles that I earned. An official inquiry was made as to why my miles were n't posting. The letter explaining the results of that inquiry stated that there was not an XXXX offered with the opening of my account. That is not true. I opened the account using a promotion code which qualified me for XXXX AA miles. I called new account services to investigate for myself what had been recorded during my original application pull. The XXXX that I was talking to verified that I had indeed used the correct promo code for the miles and that they should have been applied to my account. When pressed further about the situation this same rep told me that citibank did n't have enough miles to award all the people that took advantage of the promotion because too many people had applied using the code.

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 2016-10-05
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, I submitted a letter to CitiMortgage asking them for any and all transactions from XXXX to now. CitiMortage sent me info on the monies received .When I had asked for any and all transactions.In XX/XX/XXXX there was a letter sent again. There response was the information requested is substantially the same as information previously requested. They refuse to give me access to the information I as for.

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 2017-01-09
Company: CL Holdings LLC
State: AZ
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 HAVE BEEN DEALING WITH THIS PROBLEM FOR A FEW YEARS NOW AND THEY CONTINUE TO HURT MY CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I set my credit card to pay via ACH for the XXXX cycle of 2015. Per the vendor, the amount posted of {$6200.00} was declined by my bank. Per my bank, no amount was ever posted against my bank account. Regardless, after getting an email from the vendor, I paid the full amount outstanding on the account as of XXXX XXXX, 2015, {$7700.00}. The vendor continued to charge me interest for the next XXXX months on purchases that were made after the XXXX of XXXX - the date on which I had a XXXX balance. I 've called the vendor to complain and was told that the interest was for " residual interest. '' I explained that I understand the concept of residual interest but that because my balance was at XXXX, there ca n't be any interest on a XXXX balance. I spoke with XXXX other icustomer representatives and Interest in the amount of {$210.00} that the vendor asserted I owed in the XXXX statement was verbally credited back to my by a customer representative and I was told that I would see a credit on my account in the next XXXX days. However, the vendor asserted that even though my balance had been paid down to XXXX, I am still liable for a total of {$190.00}. The maximum amount that was outstanding for the ten day period was {$7700.00}, the total amount due on my account on the XXXX of XXXX, per the vendor. {$190.00} for ten days of a balance at a maximum of {$7700.00} is nearly 100 % interest. Per the 15 % stated by the vendor, I should owe approximately {$31.00}. I have closed this account with the vendor. I have contacted the vendor on XXXX separate occasions about this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-07
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card
Issue: Advertising and marketing

Complaint:
This is about Amex Gold Delta Skymiles credit card. When I was booking airline tickets at XXXX on XXXX/XXXX/XXXX and ready to pay with my visa card, a pop up came up inviting me to apply for the XXXX skymile credit card to get {$50.00} statement credit and XXXX bonus skymile miles after spending {$2000.00} in the first 3 months. So I clicked on the link and applied for the credit card. The card was immediately approved and used to purchase the airline tickets. I continued to make purchases with the card so it met the purchase requirement of {$2000.00} during XX/XX/XXXX. 
When the statement came, I did n't see the {$50.00} statement credit posted, neither the XXXX bonus miles credited to my skymile account. So I called customer service on XXXX/XXXX/XXXX and was told that I would get the {$50.00} statement credit and bonus miles in next statement cycle. When I still did n't see those bonus posted in the next statement, I called again on XXXX/XXXX/XXXX. This time I was told that I did not qualify for the bonus because I had the card in the past ( which had been canceled before ). I asked to speak to a supervisor who gave me the same answer. The supervisor said that his manager would call me in 24-48 hours to resolve the issue, but nobody ever called back! 
I felt totally deceived. First of all, I did n't ask for this credit card, they lured me to apply for the card with bonus offers and promises. I would never apply for the card if there were no bonus offers. Second, I did n't see anywhere that they stated that the bonus offer can only be given to customers once in a life time. If they do have such exclusions/restrictions, they should n't lure customer to apply for their credit cards with those bonus offers in the first place! That 's an obvious deceitful business practice!!! I am also very disappointed at their customer service who refused to resolve this issue. I am now reporting this issue to CFPB and asking Amex Delta skymile credit card to honor their promise and give me the {$50.00} statement credit and XXXX skymile miles that I well deserve. If the issue is still not resolved through CFPB, I 'll cancel this credit card and stop using Delta airline and Amex service anymore in the future. I will also report this act of deception and malpractice to XXXX and attorney general to have this matter investigated. I am sure that there are many victims like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have applied for Mortgage Financing on my new home with Better Mortgage, I recieved a pre approval letter, reviewed it with loan officer, sent all required paper work and locked the rate on FHA 4.625 % XX/XX/XXXX, for 30 days. I have signed a contract with the home seller to be closing XX/XX/XXXX. The loan team started working on asking paper work and I was getting everything they have been asking for and XX/XX/XXXX. They have removed contingency on my loan and gave me approval to submit for my seller. So far everything is good.they sent final disclosure and I signed it.which can not be changed at this point!!! After 4 weeks of working with them and 1 day before closing..I recieved a call from Better Mortgage File Processor that my FHA loan can't be approved for realy not a valid reason, the guy who talked to me had no clue why!! He was saying the income of my business is not for 12 months it only for 9 months, However I have been asked to submit only for XXXX, and nonome asked me to submit information for business profit on XXXX, they want to make it my fault trying to escape from the rate that I have already locked. And he suggested that If I want to close on time I should switch to conventional loan, they jacked the rates up, and they didn't want to owner the rate that I have already locked. In adition to all that they're increasing the loan cost and taking advantage of me because I need to close as soon as possible or I will lose the contract, these guys with their dishonesty and their illegal actions of changing costs and points and rates without even reviewing and telling. and sending me forms to sign imagining I'm not going to read what I'm signing on 1 day before closing. 
I want to report this, please someone look into my situation with this lender and I need to be compensated for all damage they caused.. I have to move out from the place I rent tomorrow and we basically have to stay in a hotel because they have delayed closing and bending my arm after all the approvals Inhave rexieved and after receiving a final disclosure to agree with last minute changes to the loan cost that is requesting additional {$19000.00} and a very high PMI more than what I have been told before at the beginning.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
About 3 years ago, I started my own XXXX and opened up a BOA business account along with a credit card merchant service. When I signed up the contract with the bank agent, the guy told me that I can cancel the credit card merchant service any time I want without any penalty. Things have been going smoothly until I closed my business 6 month ago, when the BOA collection department started sending me letter and had me pay them {$540.00}. I understand that I am responsible for the {$44.00} as it is the service fee for the last six months, but I have no idea why they ask me to pay the {$500.00}. After getting the first letter from them, my son called them immediately in an attempt to figure out where the {$500.00} came from. The representative said that the {$500.00} is something called " Early Termination Fee '' which I should take care of it as my XXXX shut down before the contract is over. I was extremely frustrated because the bank agent did not mention anything about the " Early Termination Fee '' in the beginning, she kept telling that I was able to cancel the service freely. My son had negotiated with the collection department and customer service for a long time, and finally they agreed to escalated my case to their management level to see whether they can waive the {$500.00}. Two weeks later, my son got a phone call from a lady whose name is XXXX XXXX I believe ( her phone number is XXXX ), she told us that we no longer need to pay the {$500.00}. I was glad that they waived the {$500.00} at the end, but when I called back the collection department to double check, they still told me I own them {$500.00}. Then my son tried to get in touch with XXXX XXXX, Customer Service, and Collection department to figure out what 's going on here. Customer Service and XXXX XXXX said I do not own them {$500.00}, but the collection department kept sending me letter for the {$500.00}. I am really lost now. It takes long time to get through their phone tree and waiting time, so I decide to lodge a complain here and ask for help. I feel that they treated me in a very unprofessional manner, and the {$500.00} Early Termination Fee is really a fraud, it 's like they rob money from me violently. I want the collection department to give me a fair explanation and apologize to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20
Company: TRANSWORLD SYSTEMS INC
State: CA
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:
The loan I currently have with UAS is not qualified for loan forgiveness. I am asking for loan forgiveness because the institution I took the loan out for was convicted of fraud and is no longer operating. UAS is not able to give me an exact reason as to why they are not willing to forgive my loan. Knowing that XXXX ripped off XXXX people. Why are federal loans being forgiven and not private ones?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I left my job and had a corporate American Express card. I turned the card in when I left, but after that a bill came in for equipment that the company purchased. The company should have paid the bill but did not, possibly because the only notice given was to my company email address which no longer existed, and no paper bill was sent because the company had requested paperless transactions. I received no notice until 3 months later by mail, by which time there were late fees conveniently greater than the original bill. Now AMEX calls me every night, but I keep telling them the bill does not belong to me but to the company. They are threatening to cancel my personal account and attack my credit rating if I do n't pay this bill immediately, even though it does n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended XXXX XXXX XXXX and because I was n't able to get enough Financial Aid to cover the classes, they offered a " Temporary Credit Agreement. '' This meant that I could take classes without paying for them until I graduated. I have paid on the " Temporary Credit Agreement '' since I XXXX in 2013, but recently XXXX XXXX XXXX closed. I do not believe that their promise to help me find a career was fulfilled, and now that they are closed this will remain the case. Since their accreditation is under scrutiny, I feel I am paying for classes that did n't provide me with the education I paid for. Now that XXXX XXXX XXXX is going through bankruptcy, I ca n't get any information on how to forgive the " Temporary Credit Agreement '' through the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XX/XX/XXXX I switched to a income based repayment plan. Prior to this, I was enrolled in auto-pay and received a 0.25 % decrease on my interest rate. After switching to income based repayment I was locked out of my online account. I have been calling Navient since the beginning of the year for this to be resolved and they have it being looked at by IT but still no results. In the meantime, I have been unable to access my online account for payment information and notifications. I also have not been able to enroll in auto-pay which has made me pay the extra 0.25 % interest since I switched my repayment option. Navient is not resolving my online access ability and sending me emails but I have no way to access the information they send me via email because it requires you to login online at Navient.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended a technical institute in NJ and took out a loan thru XXXX. I was sent to collection. Transworld Systems Inc has sent me an attempt to collect a debt. I am trying to pay my debt of {$10000.00} but they are charging me {$2600.00} as a collection charge. That is nearly 25 % of my debt. This seems outrageous for a struggling economy to charge that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been paying huge late fees when I should n't have been paying them at all or very less than what I have been being charged. Also, I have been given misinformation every single time I call them with questions and each time a different person gives me completely different answers. It has been extremely frustrating working with this company. My loan amount was very large and I live in California for my job so the fact that they have been essentially stealing money from me for years has impacted my financial situation to the point where I could probably have bought my own place by now but am forced to rent a room at my brothers house. I paid them about {$8000.00} up front as soon as I graduated for the " outstanding interest '' ( not sure if that 's the exact name ), have never missed a months payment and have never deferred on my loan so I have been a good customer to them for many years now and I feel violated by the misinformation and have made so many life choices based on the extra money they have been charging me and the terrible information they have been giving me over the years. Going to university was supposed to be the greatest thing you can do in life and an honor and it 's been nothing but a nightmare ever since on the repayment side of it. I want to stress again that I have been working full time for years in a related field to my degree so i have fulfilled my obligations so far on my loan and they most certainly have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland XXXX has called twice regarding XXXX card. Claiming we are behind. I have called XXXX, we are not behind. The address Midland sends the delinquent notices to is not our address, nor have we ever lived there. Midland tried to get acct # and SS #, we did not give them any info. The first time they called, the caller was very rude and pushy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX had my brother to take out XXXX different loans with XXXX. The total is well over {$10000.00}. I am the consigner on this account and at the moment I am the one paying this bill. I am a current student, a mother, a wife ( of a XXXX service member ) and I ca n't afford and never could afford this bill that is now over {$400.00}. I 've kept the bill in deferment. up until recently and it was sold to another company for payment. I would like to stop paying this bill. As the cosigner, I would like to know how can I get relief from this bill. My brother has n't paid this bill since he left school in 2013. Everything that I read that they will do to a student they did to him ie pulling him out of class threatening to keep him out of school if he did n't make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
Purchase a Phone from Best Buy i.e, XXXX wireless phone paid full amount with my credit cards of {$840.00}. Exactly after a month that is around 26 to 28 days i found that the screen is having Many dead pixels on the display and went to the store that i bought phone, they advised me to go to XXXX wireless for the replacement and went there they asked me to visit bestbuy for the replacement device. Went back to Best buy and they stated they ca n't issue the replacement and again directed me to the XXXX store. This continued for 3 to 4 days so i Have filed my dispute of the charge with CITI visa card. After two month i got the response from the bank that the Dispute was in the favor of the Merchant. I am in a delema and called CITI bank the response was I have to deal with it and they cant assit me further. Even hinted me to get a lawyer or XXXX party people to have this going on 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