davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (LA)

Today XXXX/XXXX/15 I received a call from Flagstar mortgage company stated that are returning my check for {$75.00} due to me being delinquent on my mortgage. The young lady on the phone stated that it is there police to not accept partial payment on delinquent accounts. I have been delinquent since XX/XX/XXXX and during this time they have accept partial payment up until XXXX/XXXX/2015. This issue is only one of the issues I am having with Flagstar. this is the second time since XX/XX/XXXX I am filling for lost mitigation with their company. First they denied me because that stated my unemployment would run out by a certain date. this was after going several round with them not reading the paper correctly. On top of this matter the lost mitigation team never received my paper work which I up loaded on Flagstar website. Each time after receiving a call for the collection department stating they did not have the paperwork, and CSA was able to see the uploaded documents, and stated they were forwarding a note up to management and or lost mitigation that the documents are in the system. Both time I had to demand to speak to a manager and directly send them the requested information. And they requested signed copies of the loan process form that I filled out on line. This situation is getting very frustration and stressful. Bad enough I was unemployed and am now underemployed, but for them not to provide the help that stated they would and not. I am following the information my XXXX XXXX adviser stated I should do, but in the meantime I would like to resolve this issues of Flagstar not accepting my partial payment as well as their document uploading process.
Consumer complaint received 2017-02-21
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CO)

Paypal continued to charge my credit card for various services after I cancelled the services directly with the vendors. Then when I submitted a complaint, they froze my account ... ..which makes me unable to unlink credit card and bank accounts from them, and does n't allow me to close my account. It only allows me to continue to pay for Paypal services. After all was said and done, they said they were unable to issue me a refund because I had a preauthorized debit agreement for the third party services. This completely contradicts their Paypal Buyer Protection policies. They never even asked for documentation of my communications with the third party companies that they were crediting my money to.
Consumer complaint received 2022-10-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I have someone steal my idenity now thay have a conputer and thay our usen my phone info this has been going on for XXXX years XXXX wellsfargo XXXX  and so many more i need to end please and thanks thay have property in my name and im himeless
Consumer complaint received 2016-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Brown and Joseph, Ltd (GA)

We have received 3 letters from Brown & Joseph for a debt we do not owe. I responded to the first letter with a fax and letter stating the debt was not ours and not to contact us again in regards to this debt. When we received the second letter, I sent a certified letter with a copy of the first letter and another letter stating not to contact us again. When we received the third letter, I called and left a message with XXXX at the firm.
Consumer complaint received 2016-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Tate and Kirlin Assoc (CA)

Tate & Kirlin Associates ; XXXX XXXX XXXX, XXXX, PA XXXX XXXX, ( XXXX ) XXXX has sent me XXXX notices in the last several months trying to collect a bankrupted debt. I have thrown out countless other notices after sending them two letters concerning the Bankruptcy and all pertinent information. They do not care. They continue to harass me.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for a Home Modification from Chase who is our servicer and XXXX XXXX was the investor last XXXX XXXX. We were approved and they sent us the paperwork saying that there will be a 3 months trial period starting XXXX XXXX, XXXX to XXXX XXXX, XXXX and after that will send the final documentation. After paying the XXXX, XXXX, they are giving us the run around as if they do n't know when will the final documents will be sent. They do not respond to our calls, they even changed our relationship manager. Finally, the new manager assured us that documents will be sent and the payment for XXXX is waived. The promised date came XXXX, XXXX and still documents are not received. Once again, I called again the relationship manager and was told that they did not know when the documents would be sent out and to keep paying the trial amount in XXXX. He even do n't know when and just keep on paying. 

I already had a bad experience with Chase in the year XXXX. Please let me know how we finish the modification as promised by Chase.
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (GA)

We tried to refinance a rental property of ours on XXXX XXXX, 2016. We have paid our mortgage with them for almost 10 years & have never been, late. We scanned loads of documents for Citibank for almost 4 months & they kept letting our documents expire & then asked for more documents. We had a closing date & time with them & then they cancelled closing asking for yet -- -more documents! We decided they were never going to stop asking us for more verification, so we told them to give us our application fee funds back, that we were not going to keep being strung along while it was never-ending documents they wanted from us. They took almost {$700.00} from us, wasted our time, while now refusing to refund our money. Account manager is XXXX XXXX at XXXX XXXX XXXX. Please help! XXXX XXXX - XXXX XXXX XXXX. Thank you.
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (TX)

My husband and I applied for a mortgage loan to CITI Bank XX/XX/2015. We filled out an application, paid a {$100.00} application fee, and {$560.00} appraisal fee. After we did this, we found out that we could not get the type of loan we wanted because we could not get an appraisal prior to purchase per the terms of the auction purchase agreement. We received a letter from CITI in XX/XX/XXXX that said we would be receiving a refund for the appraisal fee since the loan application was never really processed. We received an additional letter this year. Both letters said we would receive a refund and if we did not, Citi gave us a Customer Service phone # to call. We have not received the refund to date. I have called the number twice and both times were routed to the original loan officer. He has been left several messages and has failed to return our calls. That is why I am contacting the CFBP to try and get my money back. I do n't know why since they told us they owed us the money, they just did n't send it.
Consumer complaint received 2016-01-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AZ)

I registered for Macy 's Citibank card in XXXX and made the purchase and also paid the due in full in the month of XXXX XXXX but it seems Citibank reported that balance is still due and reported it to my Credit report. I never received any mail or email stating that there is due on my Macy 's citibank card and finally it went to Charge-off. I got to know about this when i applied for a loan in XXXX. Then i called Macy 's for clarification but Macy 's creditcard staff was so rude and told me this account is closed and we do n't know anything about this and gave me debt collectors number and asked me to call them. When i called collection agency they simply said that you have {$250.00} due but we do n't have any other information. Neither Macy 's nor collection agency is telling me anything about these charges even though i have paid the bill in full. It has ruined my credit score. Macy 's staff should be able to tell me about this charge as when it was made and why my bill is not showing as paid. I even got my historical statement from my Bank which clearly shows that i have paid the Macy 's credit card. All i need is the information as why this due is present on my card and why i was not being informed about it until it was sent to collection agency. Any help regarding this would be very much appreciated. I 'm even willing to pay this back ( even i have paid the bill, still ) but i need someone to ensure me that it will be deleted from credit.
Consumer complaint received 2017-02-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MI)

My family and I have had the worst experience with Citibank that we have ever had with any bank or business. In XXXX, my elderly father went to his local NYC Citibank branch, with his XXXX, to put me and my sister on his bank account because he was XXXX and wanted us to manage his finances, pay his bills, and monitor his accounts to protect him from exploitation. He and his XXXX reported that the branch manager was extremely rude to my father - they both thought because of his age - but nevertheless Citibank received all the paperwork, including a power of attorney listing me and my sister, and said we would be put on his account. This never happened. I wrote to the Citibank manager repeatedly, expressing the urgency of the situation, I called and left messages dozens of times, as did my sister, and we could never get a response. My sister and I live in another state where there are no branches of Citibank, flying back and forth to help and care for our father was consuming and our top priority and we could not continue pouring our time and energy into banging our heads against Citibank 's brick wall. They never did put our names on his account or help him or us in any way. 
My father died in late XXXX of XXXX. We have submitted every single document they have requested, but they still refuse us access to his checking account so that we can pay his bills. Instead of being helpful when we are grieving, for almost four months now Citibank has been giving us the runaround. In XXXX, for example, they told me to fax XXXX more document to them and we would receive a check for the account balance within XXXX10 days. That was over two months ago, and we heard nothing. In desperation, I contacted their Executive Response Team, and have gotten the same runaround from them. They tell me to fax something to them, for instance, and I do. Then I hear nothing for awhile, and then get a phone call that the fax was not what they needed, they actually need something else. It 's a seemingly endless runaround. On XXXX XXXX I sent them, by certified mail, XXXX legal documents either XXXX of which they told me would suffice to release my father 's funds ( my sister and I are his sole heirs, and the amount in his checking account is not very large ). Since then I have heard nothing, and have been unable to reach them. It has become clear that this is a deliberate policy of giving customers false information and giving them the runaround so that they can hold onto customers ' funds, which is highly unethical if not illegal. I 'm sure they do not do this to wealthy, powerful XXXX XXXX customers ( my father lived in New York 's XXXX ), but if they treat enough regular customers like this, they can make a lot of money by holding customers ' funds hostage. I can not think of any other explanation for treating customers so badly. I 'm now turning, in desperation, to the Bureau of Consumer Financial Protection for help.
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (UT)

CitiBank closed my credit card saying that they have the right to do so without any reason. When they closed my account i have a credit balance with them of {$5300.00}. I have called them on XXXX XXXX, 2015 to direct deposit and have followed up almost everyday. They said it would only take 2 to 3 business days. 
I understand they might have issue of proving if my payment is valid and it might bounce back. I have no other way to get the my money by using my account cause it is closed. All i ask is for them to send me back my money. I am attaching the receipt of payments i did from XXXX using check free pay.
Consumer complaint received 2015-10-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I had to short sale my home which involved a XXXX mortgage and a XXXX mortgage. The sale finalized on XXXX 2011. The XXXX mortgage shows the loan paid and cleared on my credit report as of XXXX 2011. Citibank, who held the XXXX mortgage, is still showing the XXXX mortgage as currently late on my credit report. I have spoken to Citibank and have sent them THEIR paperwork that shows they accepted payment but I have only received a letter back from them asking that they can not do further research until I pull my credit and give them a detailed explanation. I have spoken to XXXX representatives who have told me they will take care of this and still I am waiting. I need this cleared so I can complete the purchase on my new home.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

I had a dispute for XXXX and they will not give me my money back. I had repairs done on a vehicle and the vehicle was not repaired correctly. I could not reach the merchant due to them being sick. He also was XXXX and spoke very little English and was not aware on how to send a credit once i was able to reach them, after the dispute was already submitted. The merchant did not dispute the charge and did not respond to the banks request for additional info. Instead of giving me my money back like all other banks do, they asked for a third party letter from another mechanic showing what should have been done on car and was n't done. I then got the letter from another mechanic and sent to them. they then said we need a receipt from merchant and then provided that, now they are saying that I have no case cause it took more than 120 days to get all info in. Which makes no sense since they would ask for additional info after every letter I sent, and have not sent a letter from a third party mechanic and a receipt and they still have denied my claim. so now im out the car and my XXXX, the car was not operable after all these repairs that totaled over XXXX all together, which the other charges were all refunded from other banks I used, but citibank is the only one that will not give me my XXXX back ... please help
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (PA)

At the end of XX/XX/XXXX I contacted Citicard about an offer to spend {$1000.00} in XXXX months and receive a {$150.00} XXXX gift card. I needed to purchase a laptop. I remember speaking with a gentleman at that time who confirmed the above information which I had found online. He sent me a card in the mail - last XXXX numbers XXXX. I made my XXXX purchase on XX/XX/XXXX A few weeks later I contacted the company about a new card because I could n't find mine. They cancelled the above card and sent me a new XXXX - last XXXX numbers XXXX. Today, XX/XX/XXXX, I contacted the company about receiving my {$150.00} XXXX gift card. I have made around {$1200.00} in purchases to date. The woman I spoke with told me that I had not made my purchases within the allotted amount of time. Of course I disagreed with her stating that I should have till at least the middle of XXXX. She then told me that I had opened this card at the end of XX/XX/XXXX After speaking with a number of reps. including XXXX managers, I 'm being told that I opened a card at the end of XXXX ( XXXX I do n't remember opening ) and that the guy I spoke with at the end of XXXX cancelled out that old card and pre-dated the XXXX card to that date which only left me a few weeks to charge the {$1000.00} in order to get the {$150.00} XXXX gift card. He never mentioned any of this to me in fact he lied to me when he told me I had XXXX months. Even if I had opened a card, which I really question the legitimacy of that claim, he should have said something. My recent conversations with customer service confirmed to me that this old card had never been activated and no charges had been put on it. Regardless of how I 've tried to explain the issue I received no help. They continue to refuse to honor the offer and reward me with the {$150.00} gift card.
Consumer complaint received 2015-05-12
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (NY)

I deposited a check for {$50000.00} drawn on a XXXX bank into my Citibank HELOC on Thursday morning, XXXX XXXX. Today the local Citibank branch manager told me that the funds would not be available to draw until Saturday XXXX XXXX - XXXX from the day the money was deposited.
Consumer complaint received 2015-06-03
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (CA)

COn XXXX/XXXX/2015, I overpaid my balance on my Citibank card ending with XXXX, leaving me with a credit balance of XXXX. I called Citibank and asked for a check reimbursing me for the credit balance and they agreed to send it. After a couple of weeks when it had n't arrived, I called again and they said they would cancel the XXXX check and send a new one. Neither check ever arrived. I called a XXXX time, and again they said they would cancel and reissue a check and double-checked my address ( I get junk mail from them all the time, so they do have the correct address ). None of the checks ever arrived. I called again on XXXX/XXXX/2015 and spoke to " XXXX '' who said he would transfer the money directly to my bank account. I gave him my bank information and double-checked it with him, but the money never arrived. 
Citi has cheated me out of my credit balance. It no longer shows on my account online. What should I do?
Consumer complaint received 2016-04-01
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (NC)

This complaint is in follow-up to Complaint # XXXX filed on or about XXXX/XXXX/XXXX. 
This claim was addressed by Citi Financial in XX/XX/XXXX and my credit reports were updated. However, in XXXX, XXXX, this XXXX mortgage in the amount of {$22000.00} reappeared on my credit report ( See attachment ) and I started receiving bills stating that I 'm approximately {$9800.00} past due. This issue with CitiFinancial is starting to run my credit score down again. 
This has to be illegal for a company to destroy a person 's credit and not take responsibility for their actions. Again, I work for a " Reputable Financial Institution '' in the Mortgage area and I know I 've been violated over and over again as a consumer. PLEASE HELP ME ENFORCE THIS COMPLAINT ... .I DO NOT HAVE TIME TO INVEST OVER AND OVER TRYING TO GET THIS ISSUE CLEARED UP, WHICH IS NOW INTO IT 'S 3RD YEAR. 
Thank-you in advance for your help in bringing FINAL RESOLUTION to this issue.
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (MA)

Citi bank was charging expedited payment fees on my delinquent accounts. I paid the fees after they said it would remove any negative affects from my credit reports. I sent in the check payable to Citi through their debt collection company. I was told this would be removed from my credit reports. Citi should have this removed!
Consumer complaint received 2015-09-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Turner Acceptance Corp. (IL)

Several months ago, I started receiving calls on my home number from an organization known as Turner Acceptance. I promptly returned the call to find that they are looking for another individual who has the same name as me, who has defaulted on a loan for a XXXX. I do not won a XXXX, nor have I ever. I pulled my credit report to ensure that my identity had not been compromised. Nothing unusual was present on my credit report. I informed Turned Acceptance that I was not the individual they were looking for. For approximately one week, the calls stopped. Then, about 10 days later the calls started again. I informed them that I am not the individual they are looking for ( again ) they indicated they would take my number out of their system. A month went by and I started receiving the calls again. This time I spoke to a manager and explained the entire story to him. I also told him that I the harassment did not stop that I would file a complaint. The manager instructed me that " I did not have to repeat myself '' to which I responded that " clearly, I do, because I 've had the same conversation now at least XXXX times ''. If I receive any additional calls from Turner Acceptance for this " debt '' which is not mine, I will be filing a complaint with the Attorney General and the States Attorney. This is nothing short of harassment, and it needs to stop. Also, I refuse to give this organization any additional personal information. They repeatedly ask for my address, date of birth and other information that they say " will be used to collect a debt ''.
Consumer complaint received 2016-10-28
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc (PA)

i have used and app called Venmo for multiple transactions. Tuesday XXXX i sent my friend XXXX XXXX dollars. in my history ive sent her money before. I get a pop up message that my transaction is in review. 2 days later i get and email that the transaction will not be processed to XXXX but the XXXX dollars was taken out of my account. I received an email from venmo stating that i was not getting a refund, etc etc etc. I reviewed the terms of agreement on the website and it states sections F '' f. Payment Investigation Payment investigation is a process by which Company reviews certain potentially high-risk transactions. If a payment is subject to payment investigation, Company will place a hold on the payment and may provide notice to the recipient. Company will conduct a review and either clear or cancel the payment. If the payment is cleared, Company will provide notice to the recipient. Otherwise, Company will cancel the payment and the funds will be returned. Company will provide notice to you by email and/or in the account history tab of your Venmo account if the payment is canceled ' ... ... it was n't cancelled it was withdrawn!!!! Not returned and how is sending XXXX bucks to a recipient XXXX miles from my home that i have sent money to before flagged for high risk. 
2 ) Desired resolution. Transparent terms and agreement terms with high risk inclusion criteria. just decline the transaction. reverse my money x 2 and remove all my personal banking account information from the app.