davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MD)

I, XXXX XXXX, was the owner of, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. I purchased the Property by obtaining a secured Deed of Trust from CITIMORTGAGE, INC. Loan No. XXXX. The Deed of Trust was secured by the bank, and provided for a foreclosure sale of the Property to satisfy the unpaid balance due on the Deed of Trust since I was alleged to be in breach of the agreement. I made monthly mortgage payments for the Property pursuant to the Deed of Trust for approximately five years, though eventually a balance accrued and the bank informed me of its intention to foreclose on the Property. On or about XXXX XXXX, 2015, the principal balance on that Deed of Trust was approximately {$100000.00}. The bank did foreclose on the Property, and the Property was sold on XXXX XXXX, 2015, for {$150000.00}. My understanding is that the bank received that full sales price from the purchaser of the Property. The sales price exceeded the balance on the Deed of Trust by approximately {$49000.00}. The bank has given none of the {$49000.00} excess proceeds from the sale of the Property to me, despite my requests for that amount. Rather, the bank informed me that they would provide that money to XXXX XXXX, a corporation that did not and does not have any lien on the Property. 
I was not notified that the bank was going to foreclose on the house until after the fact. The so called notice was sent to an address that is not mine upon inquiry. I also found out that the so called notice was sent only one week prior to the sale of the property. One would have expected adequate time and notice sent to the correct address before the foreclosure.
Consumer complaint received 2016-07-10
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (UT)

My XXXX credit card was closed on XXXX XXXX before I could pay the full balance due on XXXX XXXX. Its website states " The balance on your XXXX XXXX XXXX XXXX XXXX has been transferred to your new card account with Citibank. Citibank will communicate with you regarding your balance ( s ). You will not be required to pay your balance in full to XXXX XXXX as a result of the transfer of your card account to Citibank. XXXX However, Citi charged me an interest on XXXX XXXX, when I received the first bill. This is the FIRST time citi communicated with me regarding the remaining balance transferred from XXXX. I was never late on any payments, and this happened simply because of the transition, so Citi should grant a grace period and waive the interest change which they refused to do.
Consumer complaint received 2016-07-07
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A. (GA)

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY XXXX DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO. 

This CORPORATION tried to make a deal with me and accept a lower payoff which is against the law. These DEBT COLLECTORS are Greedy, and they know I do not owe them anything.
Consumer complaint received 2015-12-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OH)

This company, XXXX XXXX XXXX XXXX, is charging me an exorbitant amount of interest on my latest bill. They claim I sent my payment of {$25.00} late in XXXX on the XXXX. However I have the bank statement that shows I sent it on the XXXX, which was before the due date. In XXXX, they did not send me a bill in the mail for some reason. So, I did n't send in a payment since I thought I was caught up. Now, in XXXX, they send me this bill that shows all these late fees and that I now owe {$120.00} by XXXX/XXXX/15. This company attempted something similar in the past against me, and I believe they purposely did not send me a bill in XXXX, then they blame me for not sending a payment, in order to extort more fees out of me. I have to assume I do n't owe anything at a given time if no bill comes in the mail. Had they sent me a bill in XXXX, then this situation could have easily been avoided.
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX XXXX and I have a Macy 's Credit card reward joint with my husband XXXX XXXX XXXX. I would like to file a complaint against Macy 's for unfair credit discrimination and retaliation.I had filed a complaint against Macy 's before regarding almost same issues but ever since I filed the complaint, Macy 's has been retaliating against us numerous times for no reason. We feel that we are being attacked by Macy 's lately. Every time I call they continue to ask my husband information to verify the account after I provided them with my information and I explained to them that I am a card holder not an authorized user. They drop our credit limit XXXX to 4 times in less than a year. My Daugther has a Macy 's credit card and they drop her credit limit once in 1 year and she pays her bill every other month. I recently contacted Macy 's and requested our bill to be send in the mail because I have a problem signing up online and until this date they have yet to do so. The law provides protections when we deal with any organizations or people who regularly extend credit. If I am responsible to pay the bill, why they do n't increase or decrease our credit limit based also on my credit score. My husband is a victim of I identity theft and is taking a long time to fix it. I have contacted the corporate office numerous times and they never return my phone call but my husband calls who 's XXXX and a XXXX they intermediately return his phone calls. Macy 's has been violating the Equal Credit Opportunity Act. Our account is open since 1996 and Macy 's does n't take that into consideration.
Consumer complaint received 2015-09-21
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CT)

I have filed a number of complaints against Sears MasterCard and again I find the company has charged me a late fee of {$35.00}. XXXX when in fact a check was written for the amount due and postmarked with at least a week prior to due date. I am referencing check number # XXXX in the amount of {$340.00}. It appears Sears MasterCard did not process the check until after the due date leaving the consumer to pay its late fee.
Consumer complaint received 2015-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I rented an instrument in XXXX ; which I returned XXXX. The owner refused to give me a receipt for the return but wanted me to sign a adding machine tape with a dollar amount on it. I refused to sign the adding machine tape. 
From XXXX to XXXX, I never received a bill nor any type of notice. XXXX of XXXX, I filed bankruptcy which was discharged XXXX XXXX. 
I received the first call from Fidelity XXXX, on or around XXXX XXXX, whom I have never dealt with left a voicemail which I have recorded stating that they were trying to collect a debt from me. 
XXXX XXXX, XXXX, XXXX, from Fidelity XXXX called me demanding payment and the return of the instrument that I already returned in XXXX. I explained that I already turned the instrument to the store and that the owner is committing fraud, and that I did file Bankruptcy in XXXX XXXX, which was discharged XXXX of XXXX and that she and Fidelity XXXX was in violation of the law attempting to collect a debt discharged in Bankruptcy court. I informed her that I would be filing a complaint. XXXX, of Fidelity XXXX stated that the bankruptcy did not affect her collection attempt. 

Meanwhile, I have had to block the owner from contacting me on social media websites XXXX from requesting to be a professional contact. I am beginning to get worried that he might cause me personal harm.
Consumer complaint received 2016-01-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MO)

Citi Mortgage brought my loan. After approx 2 years they put me into a modification program. All payment where on time. I have receipts. They did not inform me that the payments where only partial payments nor when a year was up that I was no longer in program even after timely payments made. After almost two years they demanded {$14000.00}. Than they said if I sent them XXXX I would be put back into the program. Until I requested a credit report I did not know that every month that I paid in the program they reported a late payment, ruining my credit! Citi Mortgage even lied to The Hope program which I was working with for several months. Seven times I faxed the needed paper work to Citi and everytime they stated it was lost or not recieved even though I have the Fax report stating it was a successful send. We had a severe storm in our area and my insurance company and I made over XXXX dollars on improvements on the residence, which I had to notify Citi of the same. Three months after improvements where made, Hope said they did all they could do and Citi still not confirming they had received paper work after several 3 way calls with myself, Citi and Hope, they foreclosed on my home. After employee from Hope, I stated this was n't fair, this program was not how President Obama wanted carried out..She said, That 's what you get when you vote for Him '' and hung up. That was the last conversation I had till I received a notice that my house will be sold.A company said if I vacate within a certain time I would receive XXXX dollars. I not only did not receive the money but two months later they brought me to court stating I did not vacate. I showed the Judge my new lease and the case was dismissed. The person I was to meet to confirm that I had infact moved out never showed up.
Consumer complaint received 2015-06-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MA)

On XXXX/XXXX/2015 I ordered a furniture set from Sears using their credit card. I received a bill for {$760.00}. The bill was due on XXXX XXXX, Saturday and I sent it in 7 days prior to the day it was due because it was a Saturday. I paid the amount in full. On XXXX, I received another bill from Sears with a fee charge of {$25.00} and interest charge of {$14.00} for a balance of {$690.00}, not even sure where that came from I have no balance prior to the above mentioned, totaling {$39.00}, because they did n't cash my check until Monday. I have noticed while reading comments that many people have had this problem and because Sears was n't resolving it they were getting more fees tacked on while disputing. I sent a letter to them on XXXX but I would like to make sure it gets resolved so I do n't get additional fees. According to the new law when a payment falls on a weekend, holiday or when the business is closed I should not be subject to late fees.According to their rules you can call them but they are not required to investigate without a letter, so I did n't bother to call.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-31
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (KS)

On XXXX, I contacted a customer service rep at Sears Credit Card. I arranged via phone to pay the credit card off. With Sears writing off some interest, the total amount that the representative told me to XXXX this card out was {$2000.00}. I paid that amount during this same phone call and was even offered the opportunity to now transfer other credit card balances to this account that may be high interest. On XXXX, I noticed that instead of a XXXX balance, my balance showed {$290.00} after payment. I e-mailed Sears about this and ultimately received an e-mail to contact them directly that these matters do n't get handled through e-mail. On this date I reached an individual on the phone who identified himself as XXXX. I explained the above to him and ultimately he said that even though I was told that the account would be XXXX after payment that it was still my responsibility to pay this new balance. He even went so far as to say that I get statements which I told him that I did not get paper statements that I could still log in and get my balance. I told him I understood all of that but in the end I had a live representative on the phone telling me account information and confirming XXXX that after payment my account would be XXXX. In getting no where with XXXX, I asked to speak to someone else in charge and he refused to do so after several attempts, he kept saying that I was accountable. I then asked direct questions as to whether or not he was refusing to give me another rep and ultimately, he said he would and put me on hold. He then came back briefly to tell me he 'd be sending me to a rep. I waited on the phone afterwards about XXXX minutes without feedback from anyone until I hung up. My total call time was XXXX minutes. I would like for Sears to honor what I was told and XXXX my account out. If this does not occur, I will certainly have no choice in paying this additional amount of {$290.00} and will then promptly close this account. I am amazed that even though I talked with their own account rep that ultimately I 'm told that even though they said that, it 's not true. These are shady business practices and XXXX needs to be dealt with regarding his poor, customer service skills as well as keeping me on hold without feedback or another representative getting on the line. I guess he got his revenge against me for questioning him and Sears by placing me on hold and no one coming to the phone. Nice tactic!!!! 

XXXX XXXX
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The Law Offices of Gerald E Moore & Associates, PC (GA)

I 'm a victim of identity fraud and made countless attempts to let this company know it is n't me. They sent me over a lease with a signature but I never signed a contract with them. I also sent them letters to get this removed with my FTC report and police Report with no solution. My signature has been fraudulently signed on a contract that I did not sign and this company continues to report it after all documents necessary documents were submitted to them.
Consumer complaint received 2016-09-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Nations Recovery Center (NY)

I, XXXX XXXX makes a claim against Nations Recovery Center, Inc. This collection agency has mailed to me a notice that I must pay a judgment balance of {$8600.00}. I want it on record that at n time was I ever served on a summary judgment notice in 2003, that I n ever resided at an address known as XXXX XXXX XXXX, XXXX XXXX, New York XXXX. I believe that the current owner of the debt as stated is XXXX XXXX XXXX. This debt buyer has been riddled with deceptive collection practices and sued by XXXX offices in several states as well as the Federal Trade Commission for Fair Debt Collection Practices Act ( FDCPA ) violations. I demand copies of all service affidavits on this summary judgment action from the current debt collector Nations Recovery Center , Inc., as well as from XXXX XXXX XXXX. It has been thirteen years since this judgment was entered, obviously by default as I was never personally served with the action, nor have I ever had knowledge of such an action against. There is no proof that original service was mailed or that a follow up letter was ever mailed as well. I never lived at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. If records are ever checked with the local public utility company of the telephone company, they could discover that at no time have I ever lived at this address, received my mail at this address, or had public utilities in my name or a telephone service at this address. The current debt owner has shown no proof that I ever had any connection to this address, and any future claim of a mailed notice is hearsay without proper documentation that I had a connection to the property or a certified acceptance of the judgment entered against me. The entire summary judgment procured by the debt purchaser is a fabrication, period. The XXXX had recently obtained a civil judgment against another collection agency for similar FDCPA violations such as deceptive collection practices. This judgment is a violation of my rights under the Fair Debt Collection Practices Act and the judgment in dispute must be vacated immediately.
Consumer complaint received 2016-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Residential Bancorp (TX)

BANCORP has sent my family on an emotional roller coaster from the start. My husband and I, our XXXX sons ( aged XXXX & XXXX ), and our dog, are currently homeless as a result of repeated indifference and inaction from BANCORP. We have moved a total of XXXX ( XXXX! ) times in XXXX weeks due to broken promises. Throughout this process, we have asked for open communication and honesty. We have received neither. Instead, we have been repeatedly stonewalled and given the run around. We have been extremely patient and understanding, yet that has not resolved anything. 

We were initially disclosed on XXXX/XXXX/2016 with a closing date of XXXX/XXXX/2016. The total disregard for the closing date, time and time again, has been unprofessional and disheartening. The most recently promised closing date of XXXX/XXXX/2016 will not be met as they have contacted our mortgage broker to say that the investor is no longer doing business with them. They also mentioned that there are XXXX other loans that were in the program. Every week we are told that it will close the following week. 

My children do not know where we will be tomorrow. This constant sense of unknown, of homelessness, XXXX. The same can be said for our XXXX year old dog. Furthermore, the financial burden of constantly moving weighs heavily on our family. We are spending $ XXXX- {$350.00} a night on temporary housing. To date, we have spent over {$7000.00} on temporary housing. We will also have to hire movers twice ( {$2500.00} ) and we had to rent a storage unit ( {$600.00} ) because our closing date keeps getting pushed back, over and over again, by BANCORP. 

My husband and I both have fast-paced jobs that we both love. For the last month we have not been able to fully dedicate ourselves to our jobs and our family. It is extremely time consuming to keep rescheduling installation and setup for utilities, cable, phone, and various other necessities. 

I do not wish the experience that we have had on anyone. A lot of this would have been prevented if - from the outset - a representative at BANCORP would have been transparent with us, providing us with a realistic closing timeline and letting us know that our closing date may need to be extended. We would have been able to extend our lease on our home and would not have had to endure the last three weeks of uncertainty. I never thought that I would be homeless. It is unacceptable for a company to have such disregard for their customer.