BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-22
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I opened a CitiGold checking account with a promotional code of XXXX, offering XXXX XXXX XXXX miles. The XXXX XXXX XXXX miles were to be issued with the following requirements, making {$1000.00} debit card purchases and making XXXX or more bill payments for two ( 2 ) consecutive months. 
On XXXX/XXXX/16, after XXXX requirements were fulfilled and met ; I confirmed via secure message with a representative from Citibank that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. 
Then on XXXX/XXXX/16, I submitted another message to open an investigation to follow up on when the XXXX XXXX miles would be posted. I was told that the investigation would take XXXX to 3 business days. It has been more than 7 days, and I have yet to receive any response back. 
I have searched online and found that there were numerous cases with Citibank not honoring XXXX XXXX XXXX checking account. I am being charged a $ XXXX/monthly fee in my account and another monthly fee will be withdrawn from my account without any response from Citibank. I do not appreciate that they are not responding to and ignoring this issue and refusal to award me the points I have earned ; all while still charging me a fee for maintaining their Citigold checking account.

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 2016-02-04
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The rep at Citibank, XXXX XXXX XXXX XXXX Ca, XXXX XXXX, may be erroneously selling loan products tied to checking accounts to XXXX people. My parents went in to open a checking account and was asked for XXXX paperwork and had no idea why this was being requested. I tried calling the office but could not get through to the office for over an hour. I do n't live in the are so I can not drive to the location. Please address this situation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Have been attempting to conduct a Short Sale with Citi Mortgage - unsuccessfully. Citi has been unresponsive, has not returned calls or emails and fails to fulfill what they indicate they will do. Here is a quick timeline summary. 
XXXX - Submitted a FULL & COMPLETE Short Sale Package to Citi XXXX - Called Citi and confirmed receipt of the package XXXX - Conducted a successful phone interview for short sale pre-qualification, then scheduled a callback for XXXX. 
XXXX - Received the scheduled call back from XXXX XXXX XXXX. He reviewed all documents with me on the phone and said the package was complete and also that the previously completed BPO ( valuation ) was still current. He indicated the file would be forwarded to a negotiator that same day and that XXXX would call me the following week with an update. 
XXXX thru XXXX - During this time I tried to call 6 times, spoke to 2 different Managers, emailed XXXX 2 times and scheduled 2 additional callbacks -- all communication attempts were unsuccessful. I was however able to determine that the file WAS NOT sent to a negotiator. Also no one else could discuss the file and XXXX was never available and Citi 's phone system does not allow an outside caller to reach a specific extension or person. 
XXXX - Finally reached XXXX XXXX who indicated ( again ) that the file was complete and he would rush the file to underwriting, as a precursor to going to a negotiator. I scheduled a callback for XXXX. 
XXXX - Spoke to XXXX XXXX who indicated the underwriter did approve the relocation assistance for the seller and that the file was being assigned to a negotiator ( as we spoke ). He indicated he would get the negotiators contact information and call me right back. 
XXXX - Still no call back

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had several fraudulent charges that appeared on my account. I had made several appointments with XXXX local banking centers to resolve the issues. The banking center were a party to the delays in reporting the claims and as a result my account accrued additional fees and surcharges. 
Examples of the fraudulent charges : Major retailer charges without the store number associated, multiple charges on the same day containing the same transaction number for various amounts, charges at local gas stations for XXXX and XXXX my normal charges, Schedule rollovers being delayed, Transactions where the major city and state do not match, holds being placed on my account for ghost transactions, my account being charges a fee for reporting fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
A personal check was made out to me and a XXXX party ( i.e. XXXX AND XXXX ). Bank of America accepted this check with only XXXX signature and deposited it into the XXXX party 's personal bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home was vandalized two days before XXXX on XXXX XXXX, 2015. I reported the incident to my insurance company who has dragged their feet in making good on the claim, however, they finally issued a check which was sent to Bank of America. Bank of America had numerous request prior to them issuing the check to begin the work, all request which were told to me or put in writing I complied with. I have been calling Bank of America on a daily basis to insure the completion of the process. Bank of America representative stated to me the reason I was facing challenges with the process is because some borrowers take the money and do not repair the home? I am at a loss as to why this statement was told to me? Bank of America was in receipt of my contractors license and the bid to repair the home. I believe this statement was made to me because I am a XXXX borrower, XXXX XXXX, and I fail to see what the statement had to do with my process. The representative from Bank of America as added additional stress and worry regarding the completion of my home, I feel there is a hidden agenda, and not all borrowers are practically accused of stealing. I have been in my home for over 12 years I am vested and want the work completed more than anyone. The conditions in which me and my son currently live while waiting on the repairs has been a struggle. Because of the damage to the carpets and floors we are force to walk on plywood, it is almost impossible to keep the home warm. Once we are home we spend as little time downstairs where it is freezing and most of our time is confined to our bedrooms. I was not aware until now, that Bank of America had XXXX set 's of standards for borrowers, one they feel at liberty to say anything to and treat anyway without regard, and the other, they quickly process their claims.,

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 2016-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card had an unauthorized charge by XXXX which caused the account to go negative. Bank of America immediately hit me with a overdraft fee. First I called XXXX, their customer service people quickly admitted the error and issued a refund which would take XXXX days to process. I then called Bank of America, they said they would n't do anything until all the transactions posted then they would refund the overdraft fee and remove it from my records. So I waited until then, I have since called them XXXX times, once I was on hold for so long I gave up, the XXXX time I kept getting bounced around different people. XXXX dept says since it was n't technically a fraudulent charge they ca n't do anything, another dept says they ca n't do anything because they state that this in fact a fraudulent charge and the other dept needs to issue the credit. The XXXX time I was hung up on by the employee.

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 2016-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I disputed an inaccuracy in the reporting from a Bank of America home equity loan. The loan and balance were transferred to another company in 2013. After I disputed an inaccuracy, Bank of America is now reporting my loan as being currently delinquent with a 30 day late status, even though the balance is showing {$0.00} and it was transferred. I was denied a loan because of this and I am very upset.

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 2017-02-28
Company: Navient Solutions, LLC.
State: GA
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:
I feel that the payments are not being applied properly. I have a statement from XXXX showing the principal and the interest that I will be paying over the course of the loan. 
I still have XXXX years balance to pay but I have paid more interest than my letter states. 
I pay on this loan each month. This loan was for our son 's education. We had all the loans combined when he completed school. He later went back to school to further his education. Navient stated that this was deferred because he went back to school and had new loans. This loan that I am paying for is in his name therefore it was placed in deferred status. I explained that payments have been made each month as we agreed and is not deferred. I would like someone to look into this matter. I know I still have a balance and we plan to pay the balance of this loan this year. He attended XXXX and XXXX in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XX/XX/2013 I had bank of America bank account and my ex wrote me two child support payments by check so I deposit them my account. I believe days later they closed my account without me knowing it. So I called and they told me they was closing my account because of two bad checks I deposit so I was XXXX because I had direct deposit but I let it go. So I was threw with banks until I tried to go to a credit union so I could build my credit and they told me no because somebody put fraud by my name and social security number. I called them Bank of America and they told me they do not have fraud by my name. So I need this taking care of because this make me look bad when I 'm trying to build my credit.

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 2015-04-21
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I co-signed for my daughter student loan a few years ago, now Navient XXXX XXXX ( not sure what company this is ) continue calling me after I told them not to call several times, they use different phone numbers, unlisted name etc. I informed them I will file a complaint and donot call. My daughter is still in school working on her XXXX. and I am sure she will make arrangements once she is done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Bank simply refuses to provide me with an accounting of the total amount due to bring my balance current. I mailed a certified Debt Validation letter to them, and all they will provide is a payment history from XX/XX/XXXX - XX/XX/XXXX, a copy of the Note and Deed of Trust. They will not provide an accounting from XX/XX/XXXX to present at how they arrived at a {$180000.00} amount currently due. They remain in violation of the FDCPA and do n't care. I was hoping to work out a settlement or loan modification with them, but ca n't until I know what the real balance is .... not just an inflated amount they pulled out of their hat. At this point they just want to sell the home, and remain unwilling to comply with the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was given out loans that I would never be able to repay based on my earning potential. All information when trying to rectify the loans was misleading and they would n't help with lowering the costs. I receive countless threats and phone calls about garnished wages daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am currently able to get an income driven repayment plan and have applied several times. My application has been denied because it needed more paperwork and after being sent in, they still have not approved me for the income driven repayment. I was bullied into a forbearance, although i could have easily faxed in my paperwork. This has happened several times and when i called them out on it their answer was well thats just how it works.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Primary loan with XXXX requested an unpaid principal balance that should not exceed 8 % of the balance owed. On XXXX/XXXX/2015 at XXXX Called Bank of America ( BOA ) spoke to XXXX XXXX ID # : XXXX Said the account has been charged off, the loan has been forgiven and is no longer. XXXX transferred me to Charge off dpt. where I spoke to XXXX and said yes the account has been charged off. I asked BOA what is the reason for a short sale when the account has been charged off and is no longer, written off, no balance, loan has been forgiven?. Once BOA realized there was a potential for getting some income from the primary loan then the story changed. BOA is telling us that the account has been charged off however is still eligible for collection. How can you collect on something that is no longer? I asked ... Then the verbiage changed from the account is charged off to account not being written off and that written off means loan amt has been forgiven however charged off the loan can still be collected on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2014 XXXX XXXX XXXX XXXX, paid off the existing loan on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. OCWEN Account Number XXXX. OCWEN has since has refused to file a reconveyance deed showing the loan has been paid off in full. I have talked with them, telling them the law states they have 60 days to do so. They said they did not have to because they had sent a letter to me stating that the loan was paid off. Because this loan still shows active, it is causing me a problem on future refinancing. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX date : XXXX XXXX, XXXXXXXXXXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband died, the mortgage was not in my name. I was working with Ocwen on a simple assumption and I was approved for a trial modification with Ocwen. I made all 3 trial payments and my loan was sold to XXXX. When speaking with Ocwen they stated that all my information would also be transferred including the fact that my loan was about to be modified and put in my name and that I had made all three trial payment on the trial modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Ocwen Financial Corporation
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
What happen is that I was paying my loan to Bank then this entity sold the loan to another bank so i still sending my payment to this new bank and it happens to be that this bank is sending me a foreclosure letter when I 'm paying month to month they are phonies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have disputed this several times which this account is unknown to me and have requested validation. I have heard nothing back. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Currently, Ocwen wants me to start the modification process all over. Ocwen has lost or misplaced my paperwork multiple times. I have answered every call, attended every appointment but when it come time to submit paperwork something happens. Recently they approved my modification. I completed all of the trail payments, submitted all of the paperwork even after the XXXX set was destroyed by rain. Then on XXXX XXXX they denied my paperwork after assuring me that they have my file and I only needed to correct XXXX slight issue. I returned their paperwork before their due date and they have since started foreclosure precedings on my home. Even though they send me an agreement saying to return the corrected paperwork by the XXXX and the loan is still modified. Multiple phone calls have only lead to their reps saying everything is ok yet they continue to send denial letters and foreclosure paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did not own a social security number in the date this medical bill was issue how they charge me something it does not belong to me for years and it is lower my credit score.

Company response to consumer: Closed with explanation