BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-16
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
c/card charge off date XXXX/XXXX/2004 this is beyond Oregon State Statute of Limitations to collect the debt was mine, but now beyond collection effort limitations

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 2016-06-02
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
My credit cards were stolen out of my wallet on XXXX XXXX, 2016. I called all of the credit card companies the same day to report the theft. And I called the policy and filed a report. Unfortunately, my cards had already been used to make fraudulent purchases by the time I reported them stolen and I made that clear to the credit card companies as well. All of the other credit card companies have removed the fraudulent balances and any additional charges because of the fraudulent charges except for Macy 's. Macy 's removed the fraudulent charge, but not the interest and penalties accrued as a result of the fraudulent charge and they continue to charge interest and penalties on the account. I have called Macy 's fraud department numerous times as well as sent them a copy of the policy report and yet they continue to call me every day to try to collect the debt as well as continue to add late fees and interest charges to the late fees and interest charges that were not removed from the 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 monetary relief
Consumer complaint received 2016-01-15
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a second mortgage loan with CitiFinancial. 
For about $ XXXX. I pay on time since 2009, but the majority of the payment goes to interest and still have a balance of $ XXXX. I have called and tried to obtain reasonable terms but with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: NETWORK CAPITAL FUNDING CORP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Hello, Back in XXXX of 2016 I attempted a Mortgage Refianance .The company I delt with locked in a low rate and documented this. There were a few issues the company was awhere of scince day XXXX. The rate was changed twice, the last change was a few hours before signing stateing issues they knew about from day XXXX, rate went from XXXX to XXXX +. Is this leagle when they locked the rate in? And had me sign loan disclosure docks? I of course did not sign after this, but the time waisted costed me a decent interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: CITIBANK, N.A.
State: ND
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have not received a statement from Citi Mortgage who is our lender, since XXXX 2016. In XXXX we had to pay {$26000.00} to Citi Mortgage in reference to a repayment plan due to being denied for a modification. We have no idea what our new balance is. If we have even received credit for that payment. We have also made payments in XXXX and XXXX that we have no record of proof it has been applied to our loan. On XXXX XXXX 2016 we received an email regarding a returned billing statement. The email states that the correspondence recently mailed was returned. I called the number on the email, spoke to XXXX XXXX. He verified the address he has and it is the correct address. 
We have received other correspondence in the last couple months from Citi Mortgage so why would we not receive our statements. Our address has been the same for the last 30 years. 
Citi Mortgage has violated the periodic statement rule. They have violated our right to ensure that we receive prompt, regular, and accurate information about our mortgage loan. 
This error made by Citi Mortgage puts us at risk since we are in a foreclosure status until our repayment plan is complete. In the past we have dealt with an enormous amount of errors made by Citi Mortgage with the modification process and this is another one to add to the list. 
Why an email now and not 4 months back since XXXX is the last time we have received a statement?

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 2017-01-19
Company: U.S. BANCORP
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
This has become an alaraming pattern of negligence and possible intentional negligence and malice when it comes to the billing of my card with US Bank. 
Thsi pertains to the reversal of XXXX provision credis despute the bank being in receipt of my paperwork related to the disputes, failure to provide signatures/drafts or evidence of chip usage for my card, and failure to provide doucmentation that a YELP order was received ( it wasnt and they cant prove it ). 
So the provision credits that should of been permanent credits to my account are : 1.XXXX ( XXXX ) XXXX -- POssibly the most egregios. From a city in the middle of Virginia that I have never visited 2. XXXX XXXX ( XXXX ) -- -didnt authorized the charge. Please show me a signed receipt. You cant because there isnt one. 
3. XXXX XXXX ( XXXX ) I never received the food from this order. It was ordered but must of been delivered to a different address. Again no proof provided showing it was delievered to me. 
Attached you will find copies of correspondence sent to US Bank alongside a troubling letter that US Bank references " an attempt to reach me via phone '' with no reference to any matter. Saying " if we dont hear form you by XXXX/XXXX/17 we will not complete the investigation ''. Well i did call and sent multiple faxes telling them XXXX XXXX wasnt a valid charge and to give me a signed receipt. The decided to make matters worse and over turn the provisional credit before their " self imposed deadline '' of XXXX XXXX, 2017. 
I have made it clear to US Bank i will communicate in writting or email. As a small exception, I did in fact called the alias " XXXX XXXX '' XXXX XXXX but alas no one was available. It was all in vain as US Bank had olanned on reversing the provisional credit for XXXX XXXX all along. 
This was a calculated, premeditated act by US Bank. 
Please see copies of communication with US Bank on this matter.

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 2016-04-08
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Credit determination

Complaint:
I used my Macy 's card XX/XX/XXXX. I never received any electronic or paper statements to let me know I had a bill. The first time I was notified of any amount due was XX/XX/XXXX. When i realized I immediately paid the bill and called them, they did waive one of the late fees also. I did not realize what an effect this would have on called and I called them to complain and they did waive one of the late fees, I also asked them to remove the negative report on my credit but they refused to do so. I feel this is very unfair, they agreed that they had n't notified me of any payments due, because when I opted our of e pay back XX/XX/XXXX I had not told them how I wanted to be notified of a bill. I told them that they should n't not send anything and why did I need to opt in to receive a bill. Please help me resolve this.

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 2016-12-29
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I open an account with Citibank stating on there web site that I would receive {$400.00} bonus after 90 days if certain things where done. See attached message from there customer service which says I do not have that bonus on my account. This is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied for a mortgage with TD Bank after our offer was accepted on a condo in XXXX XXXX, NJ in XXXX. The price of the condo was $ XXXX and we were looking for only a $ XXXX mortgage. The entire process for getting final approval on the mortgage was stressful and inefficient and lasted from XXXX to XXXX 2016. From the beginning we were not given a clear understanding or timeline of the process and steps involved in getting the mortgage. When forms or documents were requested we would rush to provide them. We would then ask what other information would be needed so we could be proactive. We were told that no other info was required from us only to be contact a week or days later with another request which the Bank required immediately. So we would have to drop everything and run to the bank or contact our lawyers or the sellers to get the information required. This happened multiple times over the 3-4 month period and sometimes it would be for information we already provided. We would submit forms, like the SSA form, and be contact by the bank over a week later saying the quality of the scan was not good enough and needed to be re-sent. It took them over a week to look at a form that they requested we submit immediately?? The mortgage was also delayed because since more that XXXX % of the units in the condo were owned by one company we needed special approval. It took over 2 weeks to get this approval because the person at TD who approves these cases was on vacation. There is only one person in all of TD bank who can approve this? The final straw came when we were delayed because TD Bank ended its partnership with the 3rd party who processes the SSA forms and they had no other service they could use. Because they were able to process my husband 's SSA form before the partnership ended but not mine, TD recommended we restart and resubmit the mortgage application process with just my husband 's name on the application. After a few months our lawyers and the sellers were starting to get frustrated that the mortgage was taking so long. Our apartment lease was up XX/XX/XXXX and our landlord wanted a confirm date as to when we would be moving out. When we told TD that we would need to finalize this mortgage soon ( after 3 months of back and forth ) or we would be without a place to live, they suggested we put our stuff into storage and move into a hotel. We live in XXXX and moving into a hotel is not an affordable option. After all this, we were so desperate that we cashed in some of our investments in order to make up the $ XXXX and pay all cash for our condo and never got the mortgage from TD Bank. As a happy and loyal TD customer for over 15 years, I was truly disappointed on how my husband and I were treated. As first time home buyers they tarnished this experienced for us and left us without a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had a business agreement with a lawyer. I signed a fee agreement for {$2000.00} and gave them my debit card number and the agreement was to call them every Friday and authorize a {$200.00} payment. I did that every week until the entire fee was paid. A XXXX after our relationship ended, the lawyers office debited another {$400.00} and then sent me a text stating that they did this. This was an unauthorized transaction and I immediately stated this to the secretary. I asked her to reverse the debit charge and in turn she sent me another fee agreement and told me she would reverse the charge if I signed the new fee agreement for another {$3000.00} of which I did not owe. I asked her for a detail of the charges that she was telling me I still owed the attorney and she never provided me with anything. I sent the attorneys office a letter and again asked that they provide me with an accounting of the fees and return my {$400.00}, They never responded. I contacted TD bank and told them I wanted to dispute the unauthorized charge and they told me I had to wait until the debit posted to my account. I waited until it posted and called the bank back and they put the dispute in. TD bank never contacted me for any type of investigation and then I received a letter from TD bank stating that the charge wa valid. I again went into the TD bank branch and explained to them that this was an unauthorized charge and I wanted to dispute this charge because as far as I wwas concerned, the secretary at the attorneys office took my {$400.00} and would n't provide me with any accounting and this was an unauthorized charge and the bank told me we are sorry but there is nothing we can do for you. I explained that I am your customer and you are supposed to protect me and my money and you allowed this business to take my {$400.00} AND THEN WHEN I ASKED TO DISPUTE IT, YOU TELL ME THERE NOTHING YOU CAN DO FOR ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: FirstKey Holdings, LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We made extra payments on our mortgage loan to First Key, based in New Jersey ( we pre-paid for 6 months, plus paid extra principle ). We followed their instructions to make sure they were applied to future payments. Despite repeated calls ( and we have the names of people we spoke to ), and emails following their instructions over the last 6 months, we have not received a single correct and updated statement and now have received a " Delinquent Notice ''. We have proof of payments. Now they are applying " late charges '' and threatening us with a home inspection that we would have to pay for. We are being harassed at this point.

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 2015-05-31
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Late fee

Complaint:
I received a late fee and interest charge on my XXXX 2015 statement and then subsequent interest on my XXXX and XXXX statement. I sent in a message about the XXXX fees just after the statement was cut and the request for a refund was denied. I then called on XXXX and described that I was having trouble with my account because I stopped receiving statements and the rep looked into the problem and stated that I was supposed to be getting emailed statement notifications but that a rejection email was sent back from my email address in XXXX. Due to this inconvenience and the length of my account he stated he would waive the fee and interest. If that would have been waived I would not have received interest in the XXXX subsequent months. 

I have spent many hours on this issue between phone calls, messages, and an hour and 1/2 chat session tonight with another rep.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: OH
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:
I am a cosigner for my daughter, got hurt at work and XXXX. I had called and pleaded to work something out, filed bankruptcy, to no answer or help from Naviant. The most frustrating part was each time I/we called we would get a different answer, or a possible way to postpone payments.One said I could get off cosigner list if I filed bankruptcy. I was told It was taken care of.only to get calls again after bankruptcy was done. I still am not sure what actually happened. I do know Naviant didnt object to courts during the time frame before case was done.This has cause so much XXXX to me, I can never regain my XXXX.I would love nothing better than to have income to help my daughter pay these off. I just ca n't since injury on job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear CFPB officer, I found out on XXXX/XXXX/2016 that my Citibnk account was closed before receiving any notification. I called Citibank customer service and they can not give any specific reason of closure of the account except for stating my account is not in compliance with their policies. 

I have all my daily online banking and payment activities set up through this account and it is really a big shock to me that Citibank can stop their service like that. I was informed that my account was closed on XXXX/XXXX/2016 and the remaining balance of XXXX+ dollars will be mail to me as check format in 4-7 business days, which I would think is illegal possession of my fund. More ironically, I was charged a XXXX service fee and my account balance as of XXXX/XXXX/2016 is -XXXX and I need to go to the local brunches to make the payment. 

Even though, as per Citibank 's customer service, they have the right of terminating their services based on their policy, I would not believe they can just pull the plug like that. It feels like pushed out of a restaurant whille eating and pushed out of a hospital while treating. 

At least, I would want to know the specific reason of Citibank closing my account. I need them to waive the XXXX dollar servicing fee as of XX/XX/XXXX and pay me additional interest for possessing my fund from the time my account was closed to the time I receive the refund check. 

Thank you very much and your help is highly appreciated. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This complaint is against CitiFinancial Mortgage Company. Borrower is XXXX XXXX, Loan # XXXX. On XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX called CitiFinancial to find out the status of a short sale which began XXXX XXXX, XXXX. At that time, after speaking with the lender for 1 year they were told by XXXX XXXX ID # XXXX they would not speak to XXXX because a non-owner had not signed the 3rd party authorization. However, on XXXX/XXXX/XXXX a 3rd party authorization was signed only by the main borrower, forwarded to the lender and accepted by CitiFinancial because negotiations continued from that point forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: NE PROCESSING LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On Friday, XX/XX/2015. I received a phone call at my place of employment from an extremely rude gentleman from NE Processing. He told me he needed to get " my defense statement '' because my file was going further, whatever that means. I told him I was at work and he could not call me there. I hung up. He then called my cell phone and my home phone leaving the same threatening message about a " substantial lawsuit against me ''. I have no idea what this is for. It sounds like a scam to me. He never explained what he was collecting for. He just threatened me with a lawsuit and criminal charges.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I returned XXXX appliances to Sears after XXXX became unavailable after purchase. It took nearly 3 months for the credit to appear back on the credit card, a Sears card issued by Citibank. For two months, I 've been asking for the credit to be transferred directly to my bank account ( consumer is given the option of a mailed check or direct deposit ). Each of the multiple times I have called, I was told it would take 3-5 business days. Two months later, I 'm told I was sent a check on XXXX/XXXX/16 which can take 7-10 business days to arrive. Total amount due to me is in excess of {$4000.00}

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 2016-05-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone stole my identity. They have my social security, date of birth, address, etc. are trying to open credit cards under my name via the Internet. Not in person. Believe it was an internal employee from XXXX for that I do not make purchases on the Internet or give my personal information to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I recently applied for a credit card through Amazon.com which cards are affiliated with CHASE Bank. I have only had the card 3 months and have been making timely payments sometimes twice a month. I recently paid my account on XX/XX/XXXX for XX/XX/XXXX. I was sent a email stating they didnt receive payment this month and it is late and they attached a XXXX fee. I made previous payment in XX/XX/XXXX for XX/XX/XXXX with no problem. This time I was told, I paid it too early I have to wait. My bill is due on thXXXX of each month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to do a loan modification on my condominium that I have lived in since 1987. My address XXXX XXXX XXXX XXXX XXXX Illinois XXXX. My lender XXXX and servicer is OCWEN. The unit is worth about A {$50000.00} and I owe {$110000.00} I want to do a modification My income has improved and I can make payments I am XXXX years old. XXXX XXXX is the person at XXXX XXXX XXXX

Company response to consumer: Closed with explanation