BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-12
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to have my home loan modified with help from XXXX. Each time they have called the bank to check on the modification they were advised that they did n't have authorization. I have given XXXX authorization which has been sent to the bank on multiple times. The bank advised they had received the authorization on XX/XX/XXXX and then on XX/XX/XXXX they said they did n't have. This has left me in a terrible hardship and I 'm may lose my home. I lost my wife on XX/XX/XXXX. She battled XXXX for five years. Not only have I had to endure watching my wife suffer and leave this world I may now have to leave our home that we shared together. My son and I live in the home and very much want to continue living here. The bank has advised that there is a sale date for my home on XX/XX/XXXX. My son and I have no where to go.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have requested validation of debt that was reported to XXXX credit bureau 's without any validation of said credit. I have disputed this account with the credit bureau 's and I have sent written requests to the collection agency to validate this debt. The collection agency has not validated debt nor has the collection agency made any attempt to contact me in writing or by telephone regarding this collection. I have not received a judgment, signed a contract to pay, negotiated any payments or simply acknowledged or received any correspondence regarding this collection. I have contacted the credit bureau 's and this collection was removed from XXXX due to collection agency not validating nor verifying the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX, XXXX : Company called place of employment to inquire about debt owed. I returned phone call and asked to remove work number from their contact list. 
XX/XX/XXXX-XX/XX/XXXX : Company resumed calling employer, despite verbal confirmation that work number would be removed from contact list.

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 2016-07-02
Company: CITIBANK, N.A.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a Citigold Checking Account on XXXX XXXX, XXXX with a promotional offer to receive XXXX upon completion of the requirements ( {$1000.00} debit card spend, 2 monthly bill pays in sequential months ). I completed the requirements in XXXX, but never received my points, despite the the disclosure stating that I would receive the points within 90 days of fulfilling the requirements ( approximately XXXX ). I spoke to a Citi representative via the online chat on XXXX XXXX, XXXX who opened an investigation. However, this investigation still has not been completed as of XXXX XXXX, XXXX, and I 've had to pay an additional XXXX monthly fee. Messages from Citibank have confirmed that I have met the requirements but claim that I am not elegible, despite the offer being active on my 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 2016-03-13
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX XXXX, XXXX I received a letter from Macy 's credit card saying that I had a past due bill. I always make on-time payments and so was surprised to get this notice. I had not received a bill from them. I have always received e-bills in the past and have not changed my email address. I followed the usual procedure that I have in the past to access bills online but was unable to access a bill. 

On XXXX XXXX, XXXX I called the number on the letter and was told I owed {$300.00} for charges made on XXXX XXXX, XXXX. This included {$160.00} in charges for merchandise purchased and the remainder in late fees and interest charges. I paid the {$160.00} immediately and asked that the late fees and interest be refunded since I had not received a bill for the {$160.00} in charges or instructions for how to make a payment. I was told that they could refund {$74.00} in late fees now but that I would have to call back in 3-5 days to have the additional {$64.00} in late fees and {$7.00} in interest refunded. I will do so but have a number of concerns : 1. It was never explained to me why I did n't receive a bill when I have received e-bills in the past, and as I said above, I have not changed my email address. I 'm concerned that other people may be similarly affected by this. 
2. I 'm concerned that there may be negative information listed on my credit report as a result of this incident and would like to be assured that all negative information will be removed since I should not be held responsible for any late payments because I never received a bill. 
3. I also want to be assured that all fees and interest will be refunded to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-01
Company: CITIBANK, N.A.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Opened a new account checking with Citibank. I was supposed to get a bonus deposit as part of the account opening terms. Citibank has not given me this bonus after almost 3 months of having met the terms of the agreement.

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 2016-02-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Macy 's American Express account was taken and used fraudulently. An identity thief called the Amex/Citi customer service line, changed the address of my account XX/XX/2015 and used the card fraudulently. Amex/Citi allowed the thief to compromise my information, changed the information, and then provided them with a new card and mailed it to the fraudulent address. I noticed I had not received the Macy 's statement and called in to report it. I have been unsuccessful after several calls to Amex/citi in having them provide me with a history of the fraudulent activity. I have been at this for a few weeks and I have not been provided the information so that I can submit an affidavit of of fraud with them. My credit scores have deteriorated and Amex/citi who allowed for my information to be compromised has been uncooperative in having this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-09
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Have been working with a housing counselor for a modification since XXXX of 2015 to get a modification through OCWEN. Although all the paperwork was submitted, OCWEN always came back with new things that needed to be submitted. I have given them everything they have been asking for. The final submission was in XXXX of 2015, I was told that I didnt qualify for HAMP but yes for an internal program, just send in the non borrower consent form & rental receipts which I did. I did n't hear anything. I went to make a payment and was told that my loan was sold to another company and OCWEN no longer was in control of the situation? I never got any documentation on this, I am still getting statements from OCWEN, I have no idea who has my loan now and my payment I sent has not been cashed. I was told just send in those last few docs and I would be approved I did and now this? I do n't know what to do at this point. This has been going on now for over 7 months, I just want my loan modified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Mulitiplea times when i was promised forebearance it was not applied and to this day still negatively applies ro my credit report. I was unable to make payments unless it was an automatic deduction because the system didnt support 1 time payments, making me late. Also the amounts have not been allocated properly. Also the school i went to was closed down and has no accredidation but im still paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: Credit Card Receivables Fund Incorporated
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid immediately .... I signed for, y sister on a bankruptcy and was help liable for her debt. I satisfied this debt as soon as I was made knowledgable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Navient Solutions, LLC.
State: AZ
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:
In 2006, Loan with XXXX was paid to school and refunded due to dropping classes. Then XXXX XXXX paid loan to school again even though I dropped the classes in accordance to school policy and should have been refunded 100 % for semester. Both refund and re-payments to school occured on same date ( XX/XX/2006 and XX/XX/2006 ) Total of {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX has been pursuing debt collection activity that they alleged was transferred from Bank of America, Loan XXXX. 

The loan XXXX transferred from Bank of America had a zero balance. 

On XXXX XXXX, XXXX, XXXX indicated the loan was past due and in default of {$80000.00}. 


On XXXX XXXX, XXXX, XXXX 's statement indicated the loan is {$100000.00}. 


Here 's a timeline of the controverting issues on the Loan XXXX XXXX is pursuing debt collection activity : 1. On XXXX XXXX, XXXX Defaulted loan in the amount of {$80000.00}, past due since XXXX XXXX 2. On XXXX XXXX, XXXX, XXXX sent me a letter stating they were abandoning the acceleration of the maturity of the indebtedness. 

3. On XXXX XXXX, XXXX, XXXX Mortgage Loan statement indicated there 's a balance past due of {$100000.00}. 

4. On XXXX XXXX, XXXX, XXXX reported the following to XXXX Bal. Due XXXX Amt past due XXXX Actual payment XXXX 5. On XXXX XXXX, XXXX, XXXX Credit Report indicated the following : 1. Account Status Closed 2. Payment Status Foreclosure proceeding started 3. Status update XXXX XXXX, XXXX 4. Past Due amount {$110000.00}

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 explanation
Consumer complaint received 2015-12-03
Company: Navient Solutions, LLC.
State: PA
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 have been asking for several years for an explanation of how the balance of my loan is so high. Frankly, I have another loan I am paying on through XXXX and thought that that was the only loan. Then I got confused when a company called XXXX was asking for money. I do not remember having XXXX loans. The loan was for my daughter to go to what was originally XXXX XXXX XXXX, then it changed to XXXX University. This school is closed. I have never received a breakdown of the total costs. The XXXX loan was about $ XXXX and I have been making payments. The XXXX loan I am disputing as they are saying that the amount now due is over $ XXXX and I have been disputing this for a while now. I have sent letters and only received a note of the original amount which was $ XXXX. I have yet to see a detailed statement of how on earth it has doubled. This seems like loan sharking. And they are now contacting my workplace. If the note can be proven to be accurate, I will assume my debt and pay that balance off. But the fact that I can not even see what the loan was for originally PLUS how it has grown to this substantial and overwhelming balance is more than frustrating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: MI
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:
During 2015, while XXXX with an XXXX, I made enough money to either pay the monthly payment on the mountain of student loans ( XXXX companies @ $ XXXX total ), or eat and pay rent. Navient ( or XXXX XXXX ) made several threatening phone calls per day indicating I should pay them instead of eat. They recorded all phone calls, but told me repeatedly that recording them myself was n't allowed. XXXX lady told me I should get another job or XXXX to make up for the $ XXXXmonth shortfall I was experiencing ( was already working XXXX50 hrs/week in addition to seeking gainful employment ). She also told me there was no income based repayment option. I thought those type of threats were illegal but did n't know how to pursue. Now that this lawsuit is being publicized, I feel that there is an avenue to pursue action against these unethical business practices. 
Another side issue that CFPB may or may not be able to help with : I 've been paying $ XXXX in interest payments per year for several years and the IRS allows {$2500.00} to be written off while filing taxes. This also seems unethical as any money that would be available to progress my consumer spending is double dipped by the government. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loans are at the moment in deferment due to defrauding case with XXXX. My loan was bought out by Navient while in deferment and has been split into two separate loans collecting interest on each loan when I was only getting hit with one flat interest rate. Now if my case does not go through and I 'd have to pay double interest on two separate loans. I would n't be able to afford that. I ca n't even go back to school if I 'd want to because I ca n't afford to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Deceptive and contradictory information via phone so there is no evidence to document. Departments that seem not to communicate with each other causing errors that affect the loan it 's self. Lack of documentation. Previous payment information that almost impossible balance. No yearly ledger. Also School is no longer in business XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have not missed any payments in over a year. I have NO collection or deliquent accounts. I have submitted 3 disputes in the last year and my credit score remains XXXX  XXXX XXXX. I make over {$150000.00} a year, yet Equifax says my credit score is XXXX! Please help ... ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016 my father died. He had a certificate of deposit with Bank of America. My brother and I qualified as co-executors of his estate and on XXXX XXXX went to a local branch of Bank of America to close his account with our proper identification, a death certificate and letters testamentary issued by the court authorizing us as personal representatives of the estate. We were not allowed access to his account and were told that a " case manage would contact us within a few days to give us our options ''. I am an probate attorney who regularly closes accounts at various banks in North Carolina and I have never been denied access to an account when presenting the proper documents.

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 2015-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Late fee

Complaint:
The XXXX month I paid my BOA credit card statment XXXX cents short. The 2nd month came with that amount due plus a : '' minimum interest charge '' fee of {$1.00}. I called, was told as a long time customer they would waive it, so paid my balance minus the {$1.00}. the 3rd month - the charge remain plus incurred another " minimum interest charge '' of {$1.00}, called and was told the {$3.00} would be removed, so paid the balance minus the {$3.00} ; 4th month, got a credit of {$3.00} but got another {$1.00} " minimum interest charge. '' This time I was told even though BOA was giving me credit, I had to pay the {$1.00}, because the credit would n't go into effect until after my balance w/the fee was paid. I would then receive a credit, which would then be applied to my future balance. Why? ca n't BOA, when they say they 're going to remove their charge, remove it at that time like they do other vendor charges that are being credited back? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-21
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been approved for a HAMP tier 2 permanent modification of my loan with OCWEN. I have made all three trial payments, have sent in paperwork and they have yet to update my information or send me a copy of the loan documents and my account states that I owe another ( 4th ) trial payment, which is erroneous based on the hamp trial payment terms. I have to wait days, sometimes weeks to speak with my " relationship manager ''. I want resolution. I want answers. I want them to get their act together and behave responsibly when dealing with the financial fate of others. They are capricious and erroneous. This is my second complaint with CFPB regarding Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: First Associates Loan Servicing LLC
State: NY
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 received a loan from XXXX to take the NY XXXX XXXX XX/XX/XXXX. Thereafter, I spoke with XXXX XXXX about monthly payments and they informed me that I could pay whatever I could afford. I paid {$30.00} through direct debit monthly. No other information was given to me except that these payments were fine. XX/XX/XXXX I received a letter from First Associates, a loan company I had never heard of, stating that my payment was late. I called them and they said they now owned my XXXX loan and they did n't have my debit information so my account was late. This put up a red flag as I received no other info from them and it was not my fault that they did n't have my account info. I gave it to them and continued to pay $ XXXX monthly. Nothing whatsoever was said to me about increasing my payments, interest, etc. I did n't receive any paperwork from First Associates. Now I received a bill XX/XX/XXXX XXXX so presumably I did n't receive it until XXXX XXXX stating that I am 15 days past due for almost {$1000.00}. I do n't understand how I can be past due when I 've been making payments and no bill was sent to me about this amount in XXXX. I spoke with someone named XXXX who said " they tried to email me once. '' Apparently my loan has re-amortized and now I owe exorbitant amounts and have late fees even though a bill was never sent to me in time to pay. I believe First Associates has wrongfully failed to provide me with any information about my loan and who the company is and they are now attempting to force me to pay obscene amounts compared to what I was paying, charging late fees, and threatening my credit. In addition, their interest rate is usury at 17.19 %. After working for 3 full years to obtain XXXX, this was the only loan I was able to get in order to pay XXXX so I was forced to take a loan from a disreputable company at this horrifying interest rate, and now they are going to ruin my credit without any warning or paperwork regarding the status of my loan.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Ocwen Financing is reporting a duplicate mortgage and have refused to remove the account which shows a duplicate account by them. Including XXXX XXXX XXXX has a duplicate account on my credit report.

Company response to consumer: Closed with explanation