davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I have been going through financial hardship since XXXX. I have a mortgage loan and my lender denied me a making home affordable loan modification application in XXXX. My hardship continued and my lender offered me foreclosure alternatives. I decided to list my property for a short sale with a broker in XXXX XXXX, my broker was referred to the bankruptcy dept every time he wanted to discuss my property. The lender claimed that the property was not available to be sold until it is cleared from the BK dept. In XXXX XXXX the bank cleared my property and in XXXX they sent me a notice of default. My broker had a cash offer from a buyer and he started the process of the short sale by presenting the package documents to my lender who took their sweet time in responding to my broker 's phone calls and e-mails. A month went by while the bank reviewed the offer and they responded with a counter offer to the offer that we had. The buyer at that time accepted the counter offer and my broker submitted the acceptance, but the lender did not respond for days to my broker 's emails while a foreclosure sale date was approaching on XXXX XXXX. The lender sent me a letter denying the short sale due to my inability to obtain the bankruptcy court 's approval of the short sale. I was forced to file bankruptcy on XXXX XXXX, XXXX due to the lack of response from my lender. They waited to the last day to respond and deny the short sale offer that my broker had. The foreclosure sale date was moved to XXXX, XXXX and the property went for sale with no bids at the sale. The property went back to the beneficiary.
Consumer complaint received 2015-04-07
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A. (CA)

Citibank sent me offers weekly for months, including XXXX in one day. I finally applied for their card only to be told to call in. I did and they started asking all sorts of extremely personal information. Not trusting the questions I asked why they needed the info since it was all in my credit report. I was not given a reasonable answer so they said they would get me an answer in a week. I said that was just fine. I then received a letter asking for bank statements, phone bills, etc. This seems really sketchy to me. I called and was given the run around again. I have excellent credit and am very easy to find so I ca n't imagine it was an issue of credit worthiness or security. I told them to cancel the application and remove me from all offer lists. I also asked to have a supervisor call me. We will see if that happens.
Consumer complaint received 2015-09-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NRA Group, LLC (CT)

Disputed a collection account on my XXXX credit report i XX/XX/XXXX. The account was deleted. While checking my credit reports in XX/XX/XXXX, the account was back on my credit report. I was not notified that it would be re-inserted. Disputed the account again in XX/XX/XXXX, and the dispute results came back as verified.
Consumer complaint received 2015-10-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TN)

- i opened an checking and savings account with citibank about 9 years ago and the accounts had no fees associated with it.i moved my family to XXXX Tn about 6 years ago and citibank has no branch in the area. For the past 9 months citi has refused to send me my bank statement. I called them today today to find out why.Coming to find out, Citibank has changed the disclosures without my consent and secretly been deducting $ XXXX/ month from my account without my knowledge. I 'm suspecting that they unethically and secretly remove the protections on my account and changed the disclosures etc. To cover up their unethical steal of my hard earned money, the refused to mail me my bank statements, so that i could not see them steal my moneyThey have been stealing my money secretly. i
Consumer complaint received 2016-01-23
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NJ)

I signed up for a Macy 's credit card. I made a purchase in the store without my card for approx {$67.00}. I never received this card. I made the full payment of {$67.00}. I received a bill for late fees. I called and emailed them about this. I am now getting a vill of almost {$300.00} for late fees on an item I paid for in full. 
I still have not gotten a credit card. 
My daughter is having the same problem with Macy 's.
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (AZ)

The company made a misleading offer about opening a credit card account as registered in complaint ID # XXXX provided the following dispute/resolution : Citi ( R ) / XXXX ( R ) Account ending in XXXX XXXX XXXX : Thank you for speaking with me about your inquiry that was submitted to the Consumer Financial Protection Bureau regarding the promotional offer related to the above-referenced account. 

I regret any misunderstanding that occurred related to the promotional offer associated with your account. The offer is to earn XXXX bonus XXXX ( XXXX ) miles after spending {$3000.00} in purchases within the first three months. You may then redeem the miles for XXXX round-trip tickets with XXXX XXXX. 

I appreciate the opportunity to respond to your concerns. 

Sincerely, XXXX XXXX Response XXXX REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE*Our telecommunication number for our hearing impaired customers is XXXX. 

XXXX, XXXX and XXXX XXXX are marks of XXXX XXXX, XXXX. 

XXXX XXXX reserves the right to change the XXXX ( R ) program and its terms and conditions at any time without notice, and to end the XXXX ( R ) program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, XXXX miles earned through this promotion/offer do not count towards elite-status qualification of XXXX status. XXXX XXXX is not responsible for products or services offered by other participating companies. For complete details about the XXXX ( R ) program, visit XXXX. 

-- -- -- -Despite this explanation I did spend over {$3000.00} in purchases on the card and still have not received the XXXX bonus miles. It is especially clear now that this company has committed consumer fraud
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (GA)

I was offered a free sample if I paid only the shipping charges. I accepted this and later was charged XXXX charges on my credit card in the amount of {$89.00} on XX/XX/XXXX and {$87.00}. I called to dispute these XXXX charges on XX/XX/XXXX and was told that they would be removed/reversed. They were put back on XX/XX/XXXX and XXXX/CITI Corp has been very uncooperative in removing them. When I call the XXXX number I get someone with a heavy accent and They seem to be in cahoots with the ones adding the charges.
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NC)

We have a Citi credit card that is affiliated with the XXXX program. Earlier this year, Citi asked us to upgrade to a new level of card and, at that time, said that using the card XXXX would not subject us to XXXX transaction fees. However, we received an e-mail message from Citi today, where they said that communication regarding no XXXX transaction fees was in error. I have a trip to XXXX planned for XXXX, 2015 and had planned on using this card on that trip for the very reason that I would not be charged XXXX transaction fees. I called Citi today XXXX XXXX XXXX ) and spoke with a customer service rep who said the only way I could continue to get no XXXX transaction fees on this card was to further upgrade to a card with a {$450.00} annual fee. Given what they told me when they asked me to update to my current card, Citi should honor that statement that I would not be charged XXXX transaction fees, particularly because I relied upon it in deciding to stay with this card rather than switching to a different card.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CITIBANK, N.A. (MD)

My concern is with Citcards XXXX Score information on their website. Their website is showing an inaccurate XXXX Score, they state that two situations impacted my score which are, late payments and missed payments and oldest account is to recent. Citibank receives this information from XXXX. I pulled my most recent credit file from XXXX and it does n't show any late payments nor missed payments, also my oldest account is XXXX years old. I called XXXX and they said I ca n't dispute anything because there is nothing to dispute and told me to call Citibank, Citibank tells me that they ca n't do anything because the information is from XXXX and that I need to dispute it with them, my credit file has nothing inaccurate to dispute, also other banks provide similar service and their scores are totally different for example ; XXXX score is XXXX, XXXX XXXX score is XXXX, but Citibank is showing XXXX, this problem has impacted my APRs on my credit cards from Citibank from 9 % to 16.24 %.
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NY)

Citibank sent me a prequalified offer for XXXX AAdvantage miles if I meet the minimum spend, despite previously opening an XXXX card with them a year ago. There was no 24 month language in the prequalified offer, so I applied and was approved. I requested them to honor a different targeted mailer they also sent me invitation # XXXX, they also refuse to honor that. 

Their dishonest practice tricked me into opening an account I otherwise had no interest in opening, which is why I closed it in the first place, by luring me in with a false bonus. This should be illegal if it is n't already, and they are violating the terms they agreed to when I submitted my application.
Consumer complaint received 2016-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC (ND)

I closed on my mortgage loan on XXXX/XXXX/2016. My rescission period ended on XXXX/XXXX/2016. My funds were n't disbursed until XXXX/XXXX/2016. 
LoanDepot would not return any of my calls during that period. My escrow account changed and it took them that long to figure it out. 
They made me get updated payoffs before the closing and did n't use the updated payoffs at closing. Now on XXXX/XXXX/2016 I am getting phone calls from my accounts. They are all charging late fees and interest. I am very dissatisfied with the service I received and feel that LoanDepot should cover ALL the late interest and late fees. The loan closed on XXXX/XXXX/2016 and should have disbursed on XXXX/XXXX/2016. All of our accounts should have been paid off by XXXX/XXXX/2016, even with mail time.
Consumer complaint received 2016-11-16
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC (CA)

on XX/XX/2014 i bought a house with the agreement that my interest rate would be 3.25 % I have documents that have this interest rate on them. The other day I was going through my paperwork on the house and noticed they had changed the interest rate without telling me it was changed in one day to 4 %. i closed on the XX/XX/2014 with an interest rate of 3.25 % and on the XX/XX/XXXX they raised it to 4 % were they legally able to change that on me when I closed in time for the lower of the two. I did not catch that when I signed the docs.
Consumer complaint received 2021-04-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

I have a loan backed by FHA. I had 2 XXXX  in my family in a short time period and was financially impacted by trying to give them a proper burial. I then fell behind on my mortgage. I attempted to modify the loan however Flagstar denied any assistance. I then was unable to work when the COVID pandemic began and asked to be put on the forbearance under the CARES act. Flagstar did allow that. I am now back to work and applied for a modification. I am self employed and my income goes through my personal bank account. I wrote a letter of explanation explaining that all my income went through my personal account. Flagstar requested a profit and loss. I explained that I had sent one last Friday. I was then told that it was too dark due to faxing it and there was no email I was able to send it to rending me unable to comply with the request. I have sent documents two and sometimes three times. I am told I am in underwriting and then call a couple days later and they have an entire new list of documents. I believe Flagstar is intentionally not moving this file to underwriting. Today, they are having me write a letter that there is no income other than what I put on the application. I believe these are stall tactics and I am not receiving a fair review. Also, I am aware that FHA is offering partial claims, Flagstar is refusing to submit me to FHA for a review for a partial claim, even though my past due is less than 30 % of balance.
Consumer complaint received 2016-05-20
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ECMC GROUP, INC. (TX)

XXXX XXXX from a group called Premiere has been harassing relatives and friends regarding an outstanding debt they say is owed by me. I have requested a " Validation of Debt '' and they refuse to acknowledge or forward anything to that effect. They continue to harass and threaten or give me any other information. PLEASE INVESTIGATE THIS GROUP. The only number I can get for them is XXXX. There are numerous lawsuits against this company. PLEASE STOP THEM
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

I pay my mortgage in 2 monthly installments on the XXXX and XXXX of each month via EFT. My XXXX XXXX payment was applied on XXXX XXXX, but the next XXXX payments have not been applied. In XXXX just after the XXXX payment was sent, I received a letter from Ditech advising me that I needed to take action on my " delinquent '' account. After the first 6 hours on the phone, I learned that Ditech changed the account numbers in XXXX ( from Green Tree to a Ditech number, without any notification ) and they are unable to locate my payments. I have spent more than 10 hours on the phone with them, talking to the same person ( XXXX XXXX ) over and over and every single time it is like it is our 1st conversation. Today I had the misfortune of speaking to one of XXXX XXXX peers, who was just as rude and ignorant as could be. I asked 4 times for a manager before I was put on hold, and then the call was disconnected. I have faxed copies of my bank records to their customer service department and walked that manager through the history. I asked what else I could do to get this resolved and was told it was all on Ditech to finish the research. I did n't hear from anyone for about a week until today when XXXX XXXX, the collections officer assigned to my account, called to tell me my account is now x days past due. No mention of the supposed research being done on my behalf. In the meantime, they are assessing late fees and interest on top of that, and I am at a loss as to what to do. In my opinion, when they could not apply the payment properly they should have returned the funds. At least I would have known something was wrong.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

i have a mortgage loan with ditech, they owe me {$160.00} for an escrow account overage. it was to be mailed to me by XX/XX/2016. i have received no refund check. the " customer service '' rep was unable to provide any answers. Also during this call i found out that ditech has been stealing the extra money i have been paying towards my principal balance since at least XX/XX/XXXX, under the shroud of " administrative fees ''. again the customer service rep was unable to provide any reason for this. i have never been late or missed a payment ever! i am assuming this is a result of my complaint from XX/XX/XXXX when i had the nerve to complain and ask that my payments to ditech be applied to my account as i 've paid them ( i.e time, account, and amount ). i can prove i have never been late or missed a payment, ditech can not do the same, as per your " customer service '' rep. I demand every penny plus interest to be refunded to my account and this lie of administrative fees, or backed owed money to be removed from my account immediately
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (MO)

We did a mortgage modification or HARP loan to refinance our mortgage with Greentree XX/XX/2014. They added a principle increase on our loan of {$2900.00} and {$680.00} on XX/XX/2014. This was right after we signed the contact for the modification. We were told that this would not cost of anything and were never given a truth in lending disclosure when we refinanced the loan. I am told this is required by law. 
Since this principle increase was added to our account we asked on several occasions what these charges were, and breakdown in writing where they arrived at these figures. We asked several people in several departments over the span of about 5 months. Around XX/XX/XXXX we stopped asking and were unsure what to do next.
Consumer complaint received 2016-07-28
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ECMC GROUP, INC. (GA)

Immediately after my XXXX XXXX bankruptcy was dismissed in XXXX 2016, I began receiving phone calls from ECMC about a debt. I had no knowledge of the type of debt until I googled the company and read the reviews. Later that day, I was contacted by a rep from ECMC who proceeded to explain the nature of the debt. We went over some basic information and I realized it was for my student loan which the company says I am in default because of the bankruptcy dismissal. On XXXX XXXX, I gave the rep my communication preferences which included my home number and the immediate removal of the temporary work number that I did not give them ... or give them permission in which to call me. Today alone, I have received 3-5 robo calls from them as transfers to my employer. The calls began in late XXXX and have been continuous since. The live person I spoke with today, threatened me with wage garnishment on my employer line, and said she received no communication to remove the employer number so they have continued to robo call the number.
Consumer complaint received 2016-05-16
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: OLIPHANT FINANCIAL, LLC (IN)

I received a call from a person name XXXX refused to give last name. said she is with Oliphant Financial she called my job to the girl that answered the phone she was calling about a debt i have n't paid. Cashier came and found me said there is a XXXX on the phone that said I have a outstanding bill she needs to talk to me about. I picked up the phone a a lady said she was with Oliphant Financial and I ask what this is about and she said she needed my social and d.o.b ..i told her Im not giving it to her.She said I know your at work and the girl told her I ca n't get personal calls at work and she said she said it was important it was a legal matter. I ask her last name and she said i ca n't get it. I told her somebody calls me at my job and ask for my ss # and date of birth but wont tell me why or give me her last name. she hung up on me. I still have no idea why she called she did not give me any info .gave cashier more info than she gave me that I owe money on a bill .but told me unless I give her my ss # and d.o.b she wont give me information
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS (TX)

LexisNexis XXXX reported to XXXX XXXX XXXX incorrect Indiana XXXX information. Called LexisNexis XXXX and asked how to get a certified XXXX record to them so they could delete the incorrect report they were sending out. I was told I can not provide a certified XXXX record and XXXX and the Indiana XXXX is responsible for correcting the incorrect third party information. The refusal to allow me to provide the certified dmv record is affecting my auto insurance renewal and the incorrect information resulted in a refusal to renew auto insurance effective XXXX/XXXX/16. I spoke with XXXX ID # XXXX on XXXX/XXXX/16 at XXXX XXXX at Lexis Nexis. They are providing information that affects my financial well being and preventing me from obtaining auto insurance. This is a consumer reporting agency - third party - and they are providing incorrect information and will not allow me to dispute the information.
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Scottrade allowed XXXX XXXX customers to have their personal information exposed in a database breach because Scottrade ignored warnings of cybersecurity incompetence and failed to encrypt any data. 

I personally submitted to Scottrade and the SEC instructions and detailed information about how their security procedures were inadequate. Specifically, the insecure databases and unencrypted authentication information. 

I would now like to report failures of Scottrade in regards to money controls, money transfers, and XXXX deficiencies. Specifically, if you review the attached, Scottrade has no effective policies to prevent money laundering or flag highly suspicious transactions, thus it is very easy to use Scottrade to launder and transfer enormous amounts of illicit money. 

I kindly request the CFPB and Scottrade review the attached. It would be unfortunate for Scottrade to once again ignore tips of failed security techniques and once again leave customers vulnerable.
Consumer complaint received 2016-02-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GOLD KEY CREDIT, INC. (FL)

In XXXX XXXX, I was surprised to find a collection entered on my credit report from Gold Key Credit , Inc. when I did n't have any prior notice, warning or communication that this debt was subject to or nearing collection efforts. At the very least, I would have attempted to settle the debt after confirming ownership to avoid this from hitting my credit report. I received a piece of mail on XXXX XXXX, XXXX from Gold Key Credit , Inc. requesting payment. According to their records, this debt occurred in or around XXXX XXXX. I was hospitalized for 5 days but XXXX XXXX XXXX XXXX reduced my debt to {$100.00} due to the fact that I was uninsured and unemployed. I can not confirm the validity of this debt as I was in a XXXX accident in XXXX XXXX and went to a different hospital, yet XXXX bills state I owed money to XXXX XXXX XXXX. The debt resulting from the XXXX accident has been paid through my attorneys and I produced documentation of payment to XXXX XXXX XXXX.