BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-22
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I had a company business card until XXXX 2015 when we mergered with another company. The new company I work for does not use company credit cards thus I have to use my own credit card for business expenses. I had made a {$2000.00} payment on my CITI Corp account to free up some credit line for my pending business trip on XXXX XXXX 2015. Payment was credited and I went to pick up my car rental when I was informed that the card would not accept the charges. I called CITI Corp and they advised me that they credited my account for the payment received and had also reduced my credit limit at the same time. I had not been advised prior to this that my credit limit was being reduced. I requested the payment to be refunded to me which they did less payment due for XXXX. Ever since then my statement shows that amount CITI corp refunded as the minimum payment due which I will not pay. I pay an amount similar to what I have paided in the past only to get phone calls stating I need to speak to someone concerning my account. When I do they tell me I still owe more as the minimum amount due for the month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
Fraudulent charges appeared on the account of the authorized user, American Express closed that account ending in XXXX and opened a new account ending XXXX. 
However previous merchants who still had the old account number continue to post charges. 
Last year XXXX posted an unauthorized charge, which was disputed and reversed on the old account. 

The same another company. 

The account was issued in XXXX 2015. 

On XXXX XXXX 2015 both companies posted fraudulent charges using the old account which American Express supposedly close, and posted to the new account number. 

The new account number was not provided to them by me. 
On XX/XX/XXXX I called Amex spoke to XXXX is Utah, he assured it will not post. 
On XX/XX/XXXX the charges are posted, I spoke with XXXX in XXXX XXXX and he gave the run around, finally he transferred the call to his supervisor XXXX, who disconnected the calls. 

Once the old account is closed no one should get an authorization or post charges. Should be either is open or close, these charges were not authorized or consented by, American Express apparently allows fraud. 

This sort of activities must cease once the account number is closed nothing else takes place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-11
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Quicken Loans misapplied extra payments I made on my mortgage. These extra payments should have been applied to principal. After raising this issue with Quicken Loans, they sent me to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
False Advertising - Citibank US ( Promotion Code XXXX ) Opened an account with Citibank with Minimum deposit of XXXX back in XXXX.Maintained the funds for 6 months now, Citibank promised to gave promotional bonus {$400.00} ( on maintaining the minimum balance for 90 days ) its been over 2 months when the criteria is Met. 

Still awaiting promotional bonus dollars. Filed a complaint on XXXX XXXX with Citibank ( Complaint # XXXX ). Supervisor XXXX telling me still it will take 30 business days to complete review of account and process once the verification is done. 

3 Visits to the bank and 3 phone calls, 6 months of account opening and still waiting for resolution on the case.Need help to resolve the complaint.

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 2016-10-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
The servicer is asking for canceled Social Security checks from the Borrower because he cashes his checks instead of depositing. The award letter was provided for both him and his wife. THe servicer will not move forward with the modification until they get canceled checks from the social security office which will take some time. The borrower and co borrower are a XXXX XXXX. It is very difficult to get back and forth to the bank and other places when the servicer keeps asking for docs. So it takes time to get the docs and send to them. The home is in danger of foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
The XXXX '' XXXX tv I purchased from XXXX no longer works after having it a year and half, my XXXX/American Express failed to disclose limited purchase protection when affiliated with XXXX. AM/EX rep stated their " hands were tied '' to what the television 's manufacture repairman investigation concluded as to the cause of damage and its coverage. The rep also said if I had paid through my regular American Express the television would be fully protected and my money reimbursed. Additionally, I paid for extended warranty on the XXXX Tv and still was not honored. The manufacture 's repairman asked me to complete the online form explaining the XXXX problem with a photo picture of the television screen on. The next day the XXXX repairman based his conclusion on the photo image and accused me of damaging the screen without physically inspecting the tv.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Penny Mac Loan services on XX/XX/2016 during their normal business hours to make a payment. Made my payment over the telephone for {$1700.00} but it was not showing up on my account online account as pending when I logged on today.. I made another payment today to avoid any late credit reporting.I 'm disputing any late credit reporting as I made two payment in a month time. I attempted to put today 's date of XX/XX/2016 said payment would be posted XX/XX/2016. Disputing any late credit reporting as I made a telephone payment on Saturday, XX/XX/2016. I want this issue investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CommentDEAR SIRS, I APPLIED FOR A " HARP '' LOAN THROUGH GREEN TREE LENDING IN XXXX XXXX. THE LOAN " MODIFICATION '' WAS APPROVED ON XXXX XXXX, XXXX. WE WERE NOTIFIED BY GREEN TREE ( GT ) THAT A TRIAL PAYMENT PLAN WOULD COMMENCE FIRST AND THEN OUR LOAN DOCUMENTS WOULD BE SENT TO US VIA CERTIFIED MAIL. 3 MONTHS LATER ON XXXX XXXX, XXXX WE BEGAN THE XXXX " TRIAL '' PAYMENTS WHICH WERE IN THE AMOUNT OF APPROX {$470.00}. THOSE PAYMENTS WERE MADE WITHOUT ISSUE. WE THEN RECEIVED THE LOAN DOCUMENTS ON XXXX XXXX. THE LOAN DOCUMENTS LISTED OUR REPAYMENT PLAN AT $ XXXX/MONTH. I DO NOT KNOW HOW OR WHY THIS BIZARRE AMOUNT WAS CHOSEN SINCE THE LOAN WAS FOR {$22000.00} APPROX. ON A XXXX MORTGAGE. SO THIS WAS A 40 YR LOAN. WHICH I HAD NEVER HERD OF IN HOME LOANS. WE SIGNED THE LOAN AND STARTED TO MAKE PAYMENTS REGULARLY EVERY BEGINNING OF THE MONTH ON TIME. THEN THREE MONTHS LATER IN XXXX XXXX I RECEIVED A TELEPHONE CALL STATING I WAS DELINQUENT IN A PAYMENTS. I SAID HOW CAN THIS BE WE " JUST '' STARTED THE NEW LOAN! THE PERSON ON THE OTHER END DID NOT KNOW ANY DETAILS OTHER THAN WE WERE {$1200.00} BEHIND ALREADY. I PROMPTLY WROTE GREEN TREE A LETTER TO EXPLAIN THIS ( XXXX OF XXXX LETTERS ). GREEN TREE FINALLY REPLIED ON XXXX XXXX, XXXX. IN THE MEANTIME I HAD WRITTEN GREEN TREE EVERY MONTH A COMPREHENSIVE BUSINESS LETTER FOR THEM TO OUTLINE OUR PAYMENTS/PAYMENT PLAN/HOW MUCH WE FINANCED/WHAT INTEREST RATE/AND COULD WE WE RECEIVE A WRITTEN NOTICE OF OUR MONTHLY DUE IN A PAYMENT COUPON BOOK. NONE OF THAT INFORMATION HAS EVER BEEN SENT TO US! TO THIS DATE ALL I HAVE RECEIVED IS NONE OF THE PERTINENT DATA REQUIRED BY LAW ON MY LOAN. ALSO GREEN TREE REFUSES TO ACT IN GOOD FAITH AS A RESPONSIBLE LENDER TO PROVIDE ANYTHING BUT MONTHLY ANNOYING PHONE CALLS THAT ASK ME WHETHER I AM GOING TO LIVE IN MY HOME, WHAT IS MY NAME, MY ADDRESS, HOW LONG HAVE I LIVED THERE? EVERY MONTH! NON STOP ALL THE TIME. I HAVE FINANCED XXXX HOMES BEFORE AND HAVE NEVER GONE THROUGH WHAT GREEN TREE DOES WHICH IS TELEPHONE BADGERING ASKING RHETORICAL QUESTIONS THAT HAVE NO VALID REASON EXCEPT TO INCITE A PERSON 'S TOLERANCE. I EVEN HAD TO HIRE A THIRD PARTY TO FORCE GREEN TREE TO REFINANCE THE LOAN AND PAY THIS THIRD PARTY {$3600.00}! AT THE TIME I HAD LESS THAN A YEAR ON THE LOAN A BIWEEKLY PAYMENT PLAN. I WAS A XXXX WITH XXXX AND BECAME XXXX AND CALLED GREEN TREE TO TELL THEM COULD I MODIFY MY LOAN? THEY SAID NO THAT THE LOAN WAS TO MATURE OR DUE. THIS IS THE WORST COMPANY EVER. THE WORK ON FEAR AND BY BADGERING THE CUSTOMER FOR MONIES. YET THERE IS NO ACCOUNTABILITY FOR THEIR TOTAL LACK OF PUBLIC TRUST AS A LENDER. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The  XXXX   XXXX   XXXX  has my name as consigned on a loan they sold the  Nationsl Collegiate Trust and it is now being serviced by American Education Services.  I have made aes aware that fraud took place and my name should not be attached to any loan. I did not sign for or agree to consign on the loan and I have spent the last 11 years arguing with them. They continue to delay and side track the entire time but do nothing to clear this up. I have filed a fraud packet  in 2006 but ae s sent it back because I could not name den aes.the. Responsible party. My credit has only  XXXX  negative mark and that is aes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Tormey Bewley Corporation
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXXTelephone : XXXXComplaint against : The Advantage GroupXXXX XXXX or XXXX XXXX, NM XXXX spoke to XXXX at the advantage group, she only asked me my address. She acknowledge that the collection company had accessed my file at the reporting agencies. I said, " You do have my correct address, yet you never notified me of your intent to verify this debt ''. I further asked XXXX with the Advantage Group to provide me with complete verification of the debt that they have on me. If I in fact I owed it, I would seek to pay it. XXXX never sent me any verification of the debt that she put on my credit report. Their attorney conveyed to me in his faxed memo, XXXX XXXX XXXX The Advantage Group 's attorney ) wrote about me, " but he was evasive and would not verify his address or his social security number ''. This is a false statement. They had all my information because the advantage group had placed a unverified collection on my credit report without even a five to 30 day notice to comply. 

It is a matter of protocol that if an agency that has access to a person 's credit file, that same agency requesting information has to know the required data to be able to post a collection and or any information on a consumer. 

I explained to the advantage group 's representative ( XXXX XXXX, in accordance with Federal Consumer Credit Protection Act I had a minimum of 5-30 days to respond to a debt collection attempt. She offered to remove that posted item to my credit file based on our conversation. 

This debt collector is seeking payment for an amount not permitted by law or by the contract in the amount of an interest charge also. 

My original contact was with XXXX XXXX XXXX at his examining offices. I paid the full amount of {$470.00} on the day of the visit via my visa card for all services rendered. I was never told that XXXX XXXX XXXX ( the original vendor for the assumed debt ) would be sending me an additional bill, nor did I have an agreement to pay any accrued interest if any bill went unpaid with XXXX XXXX. This is clearly an attempt at usury cost never agreed to. 

My contention : I was never given the right to even question let alone settle this debt. I was never contacted in writing or by telephone about owing this debt. I discovered the debt through credit monitoring not because of the advantage groups attempt to collect a debt. This alone violated my rights. 

The Advantage Group contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights.

Company response to consumer: Closed
Consumer complaint received 2015-05-29
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a phone call earlier today at my work from a debt collector named XXXX XXXX # XXXX saying I have an old debt From XXXX. She called my work and asked to speak with me and my boss said he did n't want anymore calls coming to the office. Please help me get the collection calls to stop Because it should n't effect my work and it does not look good for me as an employee. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: LD Holdings Group, LLC
State: MN
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
A company named Loan Depot called me more than 8 times after I repeatedly told them to remove my information from their call database. I also indicated that they are harassing and terrorizing me. They allege I solicited s request for a loan and I never did. They are allegedly based in XXXX but the phone number I have on caller id is XXXX based XXXX. 
When asked for a central number they provided XXXX XXXX XXXX which goes to an operator. The customer care line at XXXX XXXX XXXX also goes to voicemail, where I am supposed to provide my phone number and name for them to contact me. I did not request any funding from them or the website they allege they got my information from, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX I sent a letter to the creditor asking them to validate the debt as well as remove the debt if the information was reporting inaccurately. I 've received no feedback from this company. I did receive a notification from XXXX XXXX and XXXX  that the debt was being reported as a collection. I have NO KNOWLEDGE of this debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX this the ongoing dispute, that I been having with my NSF fees, and no one called me sent me a letter nor email during, that time. Now I do n't work for XXXX and I believe I sent my response to them via letter, but they never received it go figure. 

WITHIN 60 DAYS I GOT RIPPED OFF BETWEEN XXXX TO XXXX DOLLARS I CAN EVEN GO AS FAR AS 90 DAYS EVERY SINCE THIS HONORABLE VETERAN LOST HIS JOB IN NORTH DAKOTA BASED UPON A FAMILY HARDSHIP. 
MY XXXX COMPLAINT TIRED OF USAA ( profanity used ) ME ON NSF FEES UP TO XXXX DOLLARS IN THE LAST FEW MONTHS THEY KNOW I AI N'T MAKING CLOSE TO XXXX GS A MONTH. NOW THAT I AM ON PENSION AGAIN WAITING ON MY HARDSHIP UNEMPLOYMENT ITS BEEN AN ORDEAL, BUT XXXX CAN TELL AT THE END OF THE FISCAL YEAR OF XXXX I LOST ABOUT XXXX GS IN GROSS INCOME YOU DO N'T SEE ME SMILING THESE DAYS. 
USAA HAS BLATANTLY DISREGARD, AND DISMISS ME AS THE CUSTOMER WITH XXXX NEGATIVE OF BANKING HISTORY. THEY HELD MY CHECKS I DEPOSITED, AND MY VA CHECKS AND WHEN I HAD TO PAY A BILL OR EXPECTING AN IRS REFUND THEY HELD THAT CHECK TOO UNTIL I WENT NEGATIVE, AND THEN RELEASED THE MONEY IN MY ACCOUNT AFTER RIPPING ME OFF OF FEES FOR LAST 60 DAYS FROM XXXX, AND XXXX I AM GOING TO FIX THAT TODAY. 
Product Bank account or service : Checking account Issue Problems caused by my funds being low They did not address a XXXX thing accept these people are working against me, and try to jack my VA money, and Income taxes due an owed to me. They would do business with the XXXX XXXX XXXX XXXX corporations. In regards they think they can XXXX my money, and abuse my money while I am asleep or not watching my accounts while USAA secretly use their members money on the securities, and commodities on the international stock exchange. 

No one is my DAD I have only XXXX father, and that XXXX dollars of a so called refund is n't good enough they are in cahoots with those trying to sabotage my accounts. Things were different when I was on top in North Dakota, but now they treat me as a second class citizen. They even turned down my application when I was trying to get a XXXX job. I got back stabbed by them XXXX. I want all my NSF 's credited back to me from 120 days ago, and I been out of work since XXXX 2015, and I was prevented by USAA to pay my bills effectively to even have successful transfers. 

This is my response to I do n't agree with USAA at this juncture.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: Collection Bureau Services, Inc.
State: MT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in full by XXXX in 2011, which was the insurance held by the at-fault party of the auto accidentthat lead to my ambulance charges. I have attempted to dispute this debt with collection agency but they refuse to remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, USAA Federal Savings Bank notified us of suspicious login activity on one of our accounts. Someone had changed my password and PIN. As a result, they froze our accounts and denied us access to even see our balances. They said it would be two business days before the issue was resolved. After two days, they let us in to see our accounts, and we saw that someone had transferred money from savings to checking, and had committed XXXX unauthorized withdrawals. When we notified USAA, they told us they were going to keep our accounts frozen for another week while they investigated. Since then, we have had no access to either of our checking accounts or to our savings account, and every time we talk to USAA we get told they need " two more business days '' to investigate. We have been living off our credit cards for 14 days now as a result, and no one from USAA will call us back. 
In addition to the $ XXXX+ stolen by the criminals, we are now having multiple payments declined because of our frozen accounts, and are beginning to rack up penalties from creditors. We received a shut-off notice from our electric company yesterday afternoon. USAA 's inaction and refusal to communicate is beginning to cause damage to us financially.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-12
Company: MAS FINANCIAL SERVICES, INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Loan payment is due on the XXXX of each month late after the XXXX. I receive robo calls and phone calls 2-3 times daily after the XXXX of the month harassing me to make payment when in fact the payment is in the mail. They want you to pay over the phone and ad a fee of {$25.00} to process it. The loan is almost 12 months into it with 36 to go. I told them to spot harassing me and that if they have not received payment by the XXXX feel free to call with no relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: N.A.R., Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, Me and my roommates rented an apartment from an agency called XXXX XXXX XXXX XXXX located in XXXX Colorado. The apartment we rented was an old one, with a lot of issues and an old carpet. After our one year lease ended up, we were surprise by the rental management office not even giving us our deposit, but also charging us with an amount of {$2400.00}. After we contacted the XXXX XXXX XXXX office, they said that we have to pay for a new carpet, and fix all the issues that the apartment had when we moved there. The apartment was build in about XX/XX/XXXX. 
I think we were victim of such unprofessional act from XXXX XXXX XXXX, and I wish your office get involved to get me and my roommates our right back. the agency filed a collection, so now my credit score get hurt. 
The apartment is located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Elan Fi nancial Cardmember service   XXXX   XXXX    XXXX   XXXX , ND  XXXX  Closed my Credit card account without my permission or knowledge they used a  XXXX  request to close my account from another party, when i called and questioned this i was told that I requested the Closure ( I did NOT!! ) when I informed them that i did no such thing i was told well it looked like you so were sorry but there is nothing we can do when i asked to speak to  a manager about it i was told they did not have time to talk to me and they would have to return my call within 24 hours it has now been more than a week since i reported this fraud and NO one has conta cted me regarding this problem

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