davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (MI)

I was originally contacted by a XXXX debt collection agency in the fall of XX/XX/XXXX for payment of phones, services, etc for approximately {$1400.00}. I opened Case number : XXXX and thought the issue was resolved until a received another notice from a different collection agency used by XXXX today, XX/XX/XXXX ( a year and a half later ). I have never done business with XXXX and need your help to make them stop hiring companies to harass and threaten me with bad credit, etc. It is unfortunate that they sold devices to persons unknown but my suggestion is that they vastly improve their vetting/authentication process before giving phones to strangers. 

Thank you, XXXXP.S. I do n't really view this as " identity theft ''. I view this as XXXX making a foolish sales decision.
Consumer complaint received 2015-10-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

I applied for a loan for {$400.00} to help pay my mortgage since my husband passed away I got behind on my payments. When I applied because I was desperate I did not understand the terms and conditions, for a {$400.00} loan I am being charged {$1900.00} and if they take it out of my account I can stand to lose my home. I am on Social Security and {$200.00} a month is more than I can afford. Please help
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

ERC has been on all XXXX of my credit reports for an alleged debt they bought from XXXX XXXX in the amount of {$130.00}. This has been listed since XX/XX/XXXX. 

I sent an email to get more information and get this validated by ERC on XX/XX/XXXX. I never got a response. 

I got an alert today that a new collection item was added to my credit report. It is the same debt from ERC in the same amount being reported as new as of XX/XX/XXXX. 

This is a violation of my rights.
Consumer complaint received 2015-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (LA)

After trying to buy a house I noticed on my credit a collections account with ENHANCED RECOVERY COMPANY for XXXX in the amount of {$360.00}. I contacted ENHANCED RECOVERY COMPANY and they can not find any information with my name or social in their system and told me to contact XXXX. After speaking with XXXX, they also can not find any information under my name or social. I disputed this with the credit bureaus. XXXX is the only credit reporting agency that wo n't remove this from my credit. Equifax has already done so. I have emailed XXXX proof of communication with the collection company showing that they can not find anything under my name. This company ENHANCED RECOVERY COMPANY, keeps reporting on my credit each month for a collection even they said I do n't owe and XXXX is allowing this.
Consumer complaint received 2016-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NY)

This was oponed without my concern for a relative my name is is incorrect which is not my real last name. 
The person Hows opened this acccount is on jail. 
I do n't have to paid something that is not mine. 

Thanks
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (FL)

Seterus = During the trial modification period ( XXXX/XXXX/16 ) I contacted Seterus and asked how to pay the Escrow shortage so it would not be added to my monthly payments. I received instructions and sent the entire amount due ( electronic transfer from my bank ) on XXXX transaction and the regular monthly payment due on a different transfer. XXXX were received on XXXX/XXXX/2016, however, since that date I have been unable to have the escrow amount credited to the escrow balance. Phone calls from XXXX asking for this, XXXX, XXXX, each time I was promised that it would be done withing XXXX 5 days and to check back with them in a week. I did that and finally today I was notified that it was not going to be applied to the escrow balance at all. They took the money and applied to " fees '' for the final modification, all of the fees had already been added to the loan prior to XXXX/XXXX/2016. 
The final modification contract was never sent to me or my attorney, I was given a story about it being sent to a wrong address in another city, then to their attorney 's office and so many lies. It was finally sent to my attorney just a few days before day of the final foreclosure sale and was not accurate but my attorney advised me to sign so the sale would be cancelled. I signed the erroneous documents that stated the escrow shortage and I notated on the contractthat this amount had been paid. All of the fees prior were included in the BLOWN UP BALANCE THAT DOUBLED MY ORIGINAL MORTGAGE LOAN. I have followed up multiple times and to no avail. NOw they say that it was applied to A MONTHLY payment and I wo n't have to pay another payment till XXXX. 
But since XXXX XXXX, I have paid XXXX payments anyway so the fact that I do n't have a payment till XXXX is not showing me the credit for the escrow payment either. They are now also charging a {$30.00} fee for INSPECTIONS done prior to the closing of the modification contract. They doubled the price of the mortgage without telling me my balance and I was not in a position to move out with 1 weeks notice, so now I owe twice what I paid for the house and the fees are going to keep coming because no one in our government will stop the fraud being perpetrated by these companies. Just look at the number of dissatisfied homeowners that are complaining about Seterus and every other servicer of mortgage loans. These companies do nothing but take advantage of every opportunity to find an additional fee or threaten to foreclose again at a moments notice. I went from being in a bad position to a worse position on this property when I guess doing the right thing will cost me a fortune. I could have walked away and let them have the place ... they would never have gotten this much at foreclosure auction
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (DC)

My account was transferred to another service provider, Seterus, effective XXXX 2015. These five months have been a nightmare from the very beginning. Almost immediately, Seterus sent a letter that I owe almost {$3000.00} and for " my convenience '' they would spread the payment over two years. When I called, representatives said they could not talk with me because I was in foreclosure and bankruptcy and they could only speak with my attorney ( I have never filed for bankruptcy in my life ). Seterus next claimed I owe money for negative escrow account although the bank that transferred the loan paid all taxes and insurance and reported a positive escrow balance. I called to make payment arrangements when my tenant moved until I obtained another tenant, and was encouraged to apply for forbearance ( which I did ). Shortly after, I started receiving threating and intimidating phone calls. I was told forbearance was denied ( although to this day, I have never received anything in writing ). I made arrangements for stagnated payments through my checking account. On or around XXXX XXXX, 2015 after XXXX payments had been made and a third was scheduled for XXXX XXXX which would bring the account current ( owing for XXXX ), I received threatening and intimidating call and the representative threatened that I was still in foreclosure and had to pay all the money owed. I requested to speak with a manager who also was very verbally aggressive and intimidating threating foreclosure and said the balance would be withdrawn at the end of XXXX from the account on file. I told her it was illegal to take funds unauthorized and told her to cancel the last scheduled payment for XXXX XXXX, 2015. I cancelled the authorization verbally, by e-mail, regular mail and fax. Payment was still processed and when I tried to resolve the matter with Seterus as my bank suggested, I was told I must give them a letter from the bank saying that I gave Seterus authorization to take the funds.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

I refinanced my mortgage in XX/XX/XXXX, and part of the process is to pay my outstanding debts. The escrow sent me checks payable to Macy 's for {$2800.00}. I returned the checks because there was an excess of {$800.00} or more, because Macys wo n't refund me cash, instead will just give store credit. But until now the escrow can not pay my Macys debt. I called Macys and said they assigned me new numbers which they do n't want to give me or to the escrow company. I want to close this account, because Macys has been charging me twice for a late fee ( if I am late ), in XXXX credit card. I keep paying the balance of my Macys to avoid penalty fee and keep paying my mortgage including my collectible of {$2800.00}.
Consumer complaint received 2016-06-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

I opened a XXXX checking account with a promotional offer ( XXXX - receiving XXXX bonus AAdvantage miles after meeting requirements ) on XXXX/XXXX/XXXX. After completing the purchase and billpay requirement associated with the promotion in XX/XX/XXXX, I contacted Citi customer service many times inquiring about the status of the promotion. Each time I was confirmed that I had completed the requirement and was qualified for the promotion, and I was promised that the bonus would post within 90 days of the statement closing date after I completed the requirements, which is the XX/XX/XXXX. However I have not received the promised bonus miles as of XXXX/XXXX/XXXX.
Consumer complaint received 2015-09-09
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (OH)

I pay my account in full every month and I am never late. However, I received a letter in XXXX 2015 that stated I had an unpaid balance. Unknown to me, I was set up on paperless billing and did not realize I had a balance due. Once I received the letter, I reached out to Sears and worked to resolve the problem and also paid the balance in full including late charges. 

The issue I am currently experiencing is that my credit report was dinged by a 30 day past due posting. My credit score took a significant drop. I reached out to Sears Cardmember Services via mail to request they contact the XXXX major credit reporting agencies to have this posting removed. They have refused. I feel this is the least they can due to their failure of disclosure when they changed the billing terms on my account.
Consumer complaint received 2015-11-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A. (CA)

Citi Bank has pass a false debts to a number of collection companies. I been emotional as well as financially harassed. I have been unable to perform my daily actives, I can focus, sleep and eat due to stress caused by a debts that is not true and accurate. I was not informed that court action till years after the proceeding taken place. I did not and do no live at the address list on the court documents nor was I a resident or a visitor of that resident at the time they collection company claimed to served a summons into court due to my residency and visiting other states.
Consumer complaint received 2016-12-10
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (CA)

A reversal of credit was posted to my account without my permission. I bought items from a vendor, the products received was only partial quantity. ie : XXXX pieces of an item and I received XXXX pieces and XXXX pieces of an inferior product. 
I disputed this issue with the vendor and vendor would only refund if I sent back the inferior product at my own expense. 
Doing so would only decrease my refund substantially, when I DID NOT order the inferior product in the first place. Their mistake and I should not pay. 
One later, Credit Card company reversed the credit and charged me the full amount of {$550.00}. 
After XXXX letters to Credit Card Company, this issue has not been resolved and I am advised I have no other recourse.
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (GA)

On XXXX XXXX, XXXX, I purchased a five oil change package for our XXXX XXXX XXXX in the amount of {$220.00}. I received two oil changes, and then XXXX 's XXXX XXXX went bankrupt. I am disputing the undelivered balance of the oil changes. I calculate that I received 40 % of what I paid for, accordingly, I am disputing the balance due me of 60 % of the total, or {$130.00}. 

I submitted this dispute to Citicards in writing outlining the above. Citi confirmed receipt on XXXX XXXX, XXXX. Since then I have had a ridiculous amount of correspondence with them I have provided all the documentation they have requested including a copy of the credit card statement showing the charge, and the invoice from XXXX 's XXXX XXXX. I the most recent letters from them they have : Said my dispute letter was lost ; I resent it Claimed that the charge was made several years prior to the date shown on the credit card statement. I resent the documents, and clarified their error. 
Their most recent letter claims that they needed my dispute within 60 days of the dispute, and stated they would not honor my dispute. This stipulation is an obvious impossibility, given that the provider went bankrupt well after the 60 day period they arbitrarily stipulated. ( This also calls into question the content of the second letter recapped immediately above. ) It has become obvious that they are simple seeking any reason to deny my dispute. On XXXX/XXXX/XXXX, in wrote yet another letter indicating that I would be filing this complaint. 

I can provide all the documentation regarding this matter, as you may require.
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (NC)

I am a Citi credit card customer for almost 8 years. I made a credit line request from online account on XXXX XXXX 2015. The request resulted in a Hard inquiry on my credit report. 
The credit line increase with Citi card has always been a soft inquiry for me in the past 8 years. 
In response to my complaint with CFPB, Citi executive replied ( response attached ) " When a credit limit increase request is submitted, online or by telephone with a representative, the request may be instantly approved without a credit bureau review. If the request requires additional review, you are notified that we need to obtain a copy of your credit bureau report. " When I applied online my request was immediately denied. I did not get a message that someone will respond to me in 24 hours. Based on the Citi executive response I contacted them again and the representative mentioned it specifically mentions if my credit bureau report will be pulled. The website interface is very misleading, when a customer goes to Credit line increase page, sometimes it says " customer will receive instant decision and bureau report will not be requested and few other times it says " bureau report will be obtained and reviewed in 24 hours '' ( see attached ). I told representative that I might have been shown the page with bureau report required but since I was declined instantly it should have been the page when it does n't require credit check. When I asked for a proof the executive said, she can not provide the proof of which page I clicked on as the information is proprietary. I do not understand if it is my information why the bank can not share with me what I submitted rather than saying I must have clicked on the page which says bureau report required. 

I have attached below : 1 ) Previous complaint and Citi 's response. 
2 ) XXXX screenshots of different message on the same page which leads to confusion for the customer. 
I would appreciate if Citi can remove the hard inquiry as my request was instantly declined and if it was a hard pull page I would have got a message after my request that it will be reviewed within 24 hrs. 
It is sad that Citi can not provide the proof and mistrust a customer woh has been banking with them for 8 years.
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NJ)

On XXXX/XXXX/XXXX at XXXX EDT, called Citi at XXXX Requested Citi Thank you credit card account XXXX XXXX XXXX XXXX to be closed. After resistance and repeated attempts to retain the account, I was advised the account would be closed. I then received monthly statements ( No payment due ). I called again, on XXXX/XXXX/XXXX at XXXX XXXX. was advised a glitch in the system caused the paper statements to be sent and that at cardholder request, the account was currently closed. Since then, I have received numerous statements via mail, indicating I have no payment due, a XXXX cent credit balance and a credfit limit of {$6500.00}. The account was never closed despite my requests.
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (MD)

Dear XXXX, I wish I could stop reporting Citibank every year to you, but hey continue to be clandestine about my closed credit card account balance. They just send ACH date and amount to be debited. 
On XXXX XXXX, XXXX I called Citibank 's IRU re : the current balance of credit card account ending in XXXX. The amount is never listed.The rep told me the amount and that fee 's and interest had accrued. I challenge the amount which the rep said was {$1300.00}. Citibank has never listed the balance each time they ACH my checking account. To add insult to injury the rep told me I made payment arrangements on XXXX XXXX, XXXX. I have documentation going back to XXXX, XXXX. Unfortunately I had to report Citi 's ruthless and unfair consumer tactics ( XXXX other accounts were also involved ) to the CFPB. Due to the bureaus intervention, XXXX of Citi 's client liaison 's assisted with all of the accounts with affordable and reasonable payments.The closed credit card payments were reduced from {$170.00} to {$70.00}. 
I feel that, again, Citibank is taking advantage of me! I never know my balance after each payment. If the Citi rep told me the arrangements were setup in XXXX XXXX, it seems past payments were not applied.
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (KS)

I received a call from CITI bank telling me their fraud early warning system detected suspicious activity on my credit. The left the toll free number XXXX and gave me a reference number, XXXX. I called and was told the reference number involved recent purchases on my card. I told her I had no credit cards with CITI. She said one had been applied for this month. I said I had not applied for any card. 
She proceeded to ask for my social security number, date of birth and full name. I am very uncomfortable about that now wish I had not. But I also do not want my credit affected because I did not comply and the account remained open and charges are falsely reported to affect my credit rating. 
She insisted she had closed the credit card account, that a letter would follow, and a report would be made to credit reporting agencies. 
I assume this was all legitimate, hopefully, but I am irritated at the approach CITI Bank uses. They really do not need confirmation of my social security number and birth date to help them close this account. At a minimum, they could read off my social security number and birth date and ask for confirmation. At least under that approach, I would know they already have that information, whoever they are.
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (RI)

After ( at least ) over a year of consistent, on time, payments to Citi Cards for my credit card, I was assessed as being two days late on my credit card payment XX/XX/XXXX. I have been charged {$27.00} for a late fee. I requested a waiver of the late fee, which Citi Cards has refused to grant. This seems highly unfair - other companies are willing to waive a late fee in situations where the customer has been consistent in making payments. I would like Citi Cards to waive the fee.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (MI)

Cititbank accepted duplicate deposits for a balance payoff. My account balance had a negative balance of over {$6000.00} dollars that I requested back from them. They held on to my money without explanation and repeatedly told me they would return it after 3-5 days ... ..and then another 3-5 days. Now I have to wait once again.
Consumer complaint received 2016-11-27
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (FL)

This complaint is about PayPal. I know that they had a settlement last year but wanted to alert you that they same issue that they were charged with then, just happened to me this past month. I 'd had a regular PayPal account that I used for years then suddenly this month, all of my regular purchases automatically went to a PayPal Credit account ( which I did not request or authorize ). I just contacted them, paid the balance on that account ( 1st time ever ) and closed the account ( I hope as they would not give me a confirmation number or e-mail ). Thanks for checking into this again, I 'm sure that this has some affect on my credit report, though hopefully not negative.
Consumer complaint received 2017-03-02
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

I have a home in California. It is a VA loan through Citimortgage. I feel like I have been given mis-information on several occassions. My home is now in jeopardy of foreclosure. I have asked for assistance in getting my loan modified. I realize there was recently a lawsuit involving Citimortgage, and I want to know if I will be included in the class action. " Citi 's subsidiaries gave the runaround to borrowers who were already struggling with their mortgage payments and trying to save their homes. '' I was sent information to complete in order to modify my home ... each time a modification was given ..my monthly payments were never lowered ... .recently I was sent a hardship package that I completed just to be told it was not received when I said i faxed it as well as sent it to the citi doc email- i was told it was not legible. I then received a letter stating i had till XX/XX/XXXX to return information ... .yet i just got an email from XXXX XXXX stating hurry up and return docs or my case will be closed without review. I am currently XXXX to a potential XXXX in XXXX and now my focus is on trying to save my home.