davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (PA)

On XXXX/XXXX/XXXX at XXXX Eastern Time, a fraudulent transaction was applied to my credit card account with Citi . This transaction was from XXXX in XXXX XXXX. I called Citi within 1 hour of the charge and told them that I was not in XXXX XXXX and that I did not authorize any charges from XXXX. I am a US Citizen and have had my credit card with Citi since XXXX XXXX and never have I used it internationally. However, Citi did not block this transaction. When I called the customer service hotline and informed Citi 's representative that this was fraud, the representative cancelled my card and issued me a new one. On XXXX/XXXX/XXXX, I received my new credit card however the fraudulent transaction was still on my account. I called Citi again, in the morning, and spoke to a supervisor who then called XXXX, confirmed that the fraudulent transaction was indeed fraud and not made by me and then told me that the charge was removed from my card. When I checked my credit card account later that afternoon, the fraudulent transaction was still applied to my account. I spoke to another supervisor, XXXX from Citi 's Missouri office, and she was absolutely no help and very unprofessional. She told me that I would have to wait a week for the fraudulent transaction to come off of my account. This fraudulent transaction is for approximately {$750.00}. Because of this charge, my newly issued credit card is unusable and I have XXXX available credit. According to Citi 's customer service supervisor XXXX, I have to go without my Citi credit card for 1 week because of fraud that Citi refuses to remove from my account. Again, I have never used my Citi credit card internationally, I have never paid late, I have never been over my credit limit, but Citi 's internal controls did not block a charge that originated in XXXX XXXX and they refuse to remove the fraudulent charge, even though I reported it as fraud right away. This is absolutely ridiculous that I have a credit card that I can not use and Citi is penalizing me for ( obvious ) fraud. Citi supposedly offers XXXX liability for fraudulent charges but here is a case where there is obvious fraud and Citi will do nothing about it.
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

Good evening. 

My Fiance and I have been mortgage holder to a loan being services by Seterus , inc . Through the course their servicing the loan we have experienced instances where there were over payments to the account through payments into escrow, when we inquired about an analysis of the file, Seterus would either stall or not call us back. 

We were on a plan to refinance our mortgage, one month there was an oversight and the payment was not made on the due date. When we logged into the system to make the months payment we realized it and made the double payment. Seterus did not contact us by call or email to let us know that the payment was not received. When we pressed on about the amortization of the loan, they sent us a check for XXXX with no letter explaining why there was so much money in the account. 

Our position is that seterus prays on the loan holders and works it so that refinancing is not possible due to the late payments, this is predatory and a unfair practice. If there is an overage, why did they report us to the credit bureaus. 

We filed a complaint with the better business bureau and the Florida State attorney. 

Please help us.
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (AZ)

There is a {$650.00} XXXX phone offer on my Citi AT & T access credit card. After all the requirements were met, I still did n't get the reimbursement after more than three months. First of all, I, as a client, have met all the requirements specified in the offer. I have contacted the customer service for more than three times and each time they told me that all the requirements were met and I just need to wait for up to three months. I have a screen shot for the chatting history to prove my words. Such long time period already violated the longest waiting time written in the phone offer. Moreover, I called Citi bank today and they asked for the receipt of buying that phone for reimbursement. But the offer agreement did n't show that the customer should keep the receipt. It is already more than three months and I could n't find the receipt.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (CA)

I have had fraudulent activities on my Citi bank Credit Card account. They have failed to assist me. They are supporting criminals/fraud operators, making derogatory comments, the most unethical and unprofessional language. I was harassed on the phone and cursed me. Upon request proof will be provided. 
Citi Bank needs to dispute those fraud charges and has to obey my country`s laws and regulations. Citi Bank STOP the crime!!!! Stop supporting Criminals and terror operators!!!
Consumer complaint received 2015-08-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IN)

where to begin with citimortgage home mortgage. first in 2012 i recieved a phone call from a citi employee that left me a voice mail an called me a XXXX. i kept that voicemaile up until this year. then we were doing what we thought was a harp refinance but citi called it hamp. we had to pay XXXX dollars to start this.plus we were never told through the whole 9 months of this hamp refi that they were reporting to the credit bureaus missed payments for 11 months which killed our credit. ive been through heck with this company for years i cant get away from them for all the credit damage they did.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OH)

Back in 2015 ( XXXX XXXX ) we had contacted XXXX and citimortage to tell them we needed to do a loan modification. We were denied twice. We tried our best to make payments the best we could. After that we had put the condo on the market to try and sell it. We received a offer for a short sale one back declined or one accepted. We then got a second offer and it was still declined. We filed for a deed in lieu and of course that 's was denied. We have tried to be honest good people and ca n't seem to get rid of this property we can not afford. More fees are being adddd on to thibgs this issue has been dragging on for awhile. We need help these lenders are not willing to work with us. I have had sch appointments with my account manager at XXXX and then after taking the time to behome for them the account manager is to busy. The citi mortgage account manager she never replies to my emails. What are we to do?
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (NY)

Citibank Visa, in its partnership with Costco, opened a Citibank Visa account in my name, using information from a previous, closed Costco XXXX account. I did not request or authorize the new account, nor do I recall ever receiving a card. I certainly never activated or used it. This week, I received a first statement showing an overdue balance comprising the original membership fee, plus a late fee and interest accrued at an annual rate of about 24 %. I contacted Citibank Visa and, ever several escalations and arguments, obtained their agreement to close the account and erase the interest and penalties. I have also demanded that Costco refund the original {$100.00} membership fee to the closed visa account, to ensure a zero balance. 
My concerns are twofold : First, I am worried about possible adverse impact on my credit. Second, and more broadly, I suspect that Citi and Costco may be engaging in practices similar to those adopted by XXXX XXXX : opening unauthorized, unwanted accounts to generate spurious revenue from unsuspecting consumers. I hope you can determine whether this incident is an aberration, or part of an abusive pattern. Thank you for your attention to this matter.
Consumer complaint received 2017-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (FL)

XXXX / XXXX / Now AFNI : I never received a Collection Notice from either of these Agencies.. I had disputed this issue with XXXX, XXXX Deleted from my report back in XX/XX/XXXX. Now recently AFNI reported this to XXXX and has it on my report, causing it to reduce my Credit Score. This is Not Mine, I am totally unaware of where this came from. I 've had XXXX as my Cell Phone provider since the XXXX 's, Never had issues with them. Always Paid my bill and keeping my account up to date. Why would XXXX keep me as a Customer, owing an outstanding debt for over two years?
Consumer complaint received 2015-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (NJ)

I have spoke with XXXX on this years ago!!! A phone was put in my name and the bill was never paid!! This should not be on my credit report!! I advised to my Attorney on this and will try this option first before the next steps!
Consumer complaint received 2016-02-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: REGIONS FINANCIAL CORPORATION (NC)

I applied for a card with higher credit limit and was offered a card with a lower limit. During the application process I was told by the banking manager that my application needed further review to clear a credit exception. At that time, I was told my the banking manager I would be approved because she has a relationship with the underwriter due to the credit issue being mine. It was a minor collection that was misreporting ( currently now being disputed ). The issue is I was told by the banking manager that I would be approved for the original card request however approved for a card with a lower credit amount and features.
Consumer complaint received 2016-01-23
Product: Other financial service — Debt settlement
Issue: Disclosures — 
Company: ClearOne Advantage, LLC (LA)

I sign on with ClearOne Advantage debt settlement program, XXXX. 2015. When I signed on with a rep name XXXX XXXX, I asked several questions about this program. In the conversation the questions asked several times if there will be a fee link to this service, 3 times I was told " we never charge a fee ''. Now I am being charge a XXXX % fee each time a creditor is paid. Then she indicated do no worry we will handle everything, contact creditors sure they are taken care of. They did not explain that in order for the creditors to be paid/settled that I had to " reverse '' money in order to start working with them. 
Now I am face with a creditor wanting to send me to collection because of their " false '' information.
Consumer complaint received 2016-08-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Ray Klein, Inc. (WA)

I have received XXXX phome calls from ( XXXX ) XXXX in the past two weeks. They only ask to speak to me by name, the XXXX time they had gender mixed up, they ask for my address, date of birth, and other information and refuse to tell me what they are calling about at all until I give them the information. I asked who they are and the first time they declined to tell me anything, just that it is, " A personal matter. '' I googled the number and found it to be " Professional Credit Service '' which was littered with reviews and complaints ranging from scam, to rip off, to incompetent. The XXXX time they called, they told me they were from Professional Credit Service, but woild not give me any more information. I have asked them to stop calling if they are unwilling to tell me what they are calling about without soliciting my personal information. 
I suspect they will continue to call.
Consumer complaint received 2016-06-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: D2 Management LLC (CT)

From what I can tell, someone is selling my information to fake debt collecting companies. These companies then proceed to call with threats of impeding arrest, and demands for immediate payment with no written correspondence. 

They are calling my parents threatening that I need to call them else they will hand deliver warrants at the home or that I need to schedule time at my place of work and have both my manager and security personnel present for document deliveries. All these actions are harassing and breaking the law as I understand the Fair debt reporting and collection act. The latest company is calling from multiple numbers from Rhode Island.
Consumer complaint received 2016-11-16
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: D2 Management LLC (CA)

I received a call from XXXX asking for my husband. When I advised her that this was not his phone number, she asked that I take a message. She stated 'we have his social security number on important legal documents in our office, and we need to talk to him immediately '. When asked what number he can call back on, she provided XXXX. 

I at this point asked what company she was with, she said 'why would I tell you that? your not who I need to talk to '. 
I advised her that he is my husband. She proceeded to yell at me, asking why I did n't tell her that in the XXXX place. She said, I made it clear this was urgent, so why did n't you tell me he was your husband? She was extremely rude and unprofessional. 

She verified she was with D2 Management and her name was XXXX XXXX with no extension. 

I told her that I would relay the message to my husband, and if he chooses to do so, he will follow up. 

She threatened us, and said ' well, he should call, we have his full social security number ' or something along those lines. I was extremely furious after he tone and behavior, I ended the call.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I have a student loan with Navient. I requested my accountt be placed in forebearence or deferment I forgot which XXXX. I always stay on top of my student loans as they always remind me when its going into repayment. Out of no where they placed this account with negative remarks on my credit after I just brought my credit score up. I immediately called them and informed them that this is their mistake and it should have been in non-repayment status. They agreed to fix it. they put it back in good standing but not after damage was done. They are still on my credit with negative remarks and I want to know what can be done because this was not my error and I worked all year round to fix my credit for their " error '' to knock it down over XXXX points ''. Something needs to be done please help.
Consumer complaint received 2016-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

We have been attempting a " Short Sale '' for my client 's property with Ditech Funding for over 1 year. We are working on our XXXX Buyer for the property. Every time we have a Buyer, Ditech stalls or asks for documents in unreasonable time frames. If we do not get the documents within the time frames, they cancel the file and make us start over. When we are able to get the documents within the time frame they always turn to value, which they have {$40000.00} over actual market value. Bottom line is they are unwilling to professionally work out a reasonable short sale for my client and I feel they have broken many laws and regulations in the process.
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

My servicer Ditech Mortgage put an impound account for property taxes on XX/XX/2016. I was behind in my taxes and i know that this is my responsibility. I made the XX/XX/XXXX payment as per my statement of {$1600.00} and added {$100.00} for the escrow account. XX/XX/2016 I leased a vehicle and discovered that there was a ( 30 ) day late payment on my credit report. I called Ditech and they insisted that the new payment of {$2300.00} was instituted with the XX/XX/XXXX payment, therefore creating a late payment, even though I paid the payment due for {$1600.00} as per the statement. I send letters to them the first time and they insisted that I was wrong. I tried a second time on XXXX to resolve this issue. I was told to make the payment for the XX/XX/XXXX due date, and add the {$690.00} that was not paid in XX/XX/XXXX and they would process the paper work to remove the late payment. I sent a check for {$3000.00} that cleared by bank on XXXX XXXX. When I went to make my payment for XX/XX/XXXX I discovered that Ditech put all of the {$3000.00} towards the escrow account and nothing for the principle and interest payment thus creating another late payment due for XXXX XXXX payment. DiTech has kept the XX/XX/XXXX payment in suspense and has not applied the payment to principle and interest. I find this to be deceitful and possibly illegal. The issues are the XX/XX/XXXX payment that is being held in suspense and the XXXX XXXX payment that was applied in full to the escrow account. I am attaching my communications with them and my cancelled checks and the communications that i have had with them. All payments from XX/XX/XXXX thru the XX/XX/XXXX payments were made on time before the XXXX of each month. not to mention that Ditech has been sending duplicate invoices monthly with conflicting information : I am attaching the XXXX invoices for the XX/XX/XXXX payment dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Note : Even though all of the statements show past due, all payments were made before the XXXX of each month Written responses from Ditech indicated that I would be assigned a representative, However when you call them, you can not get to talk to the person assigned and have to talk to a different person each time. It is important to note that Ditech admits that they had a computer glitch and that was the reason for the mandatory escrow account did not show sooner. Copies of this communication attached including the escrow account history shoiwng the XX/XX/XXXX payment credited to the escrow account and not the principle and interest. Your help with this matter is appreciated. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-05-08
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A. (NJ)

The store solicited me to open an new HD credit card account. Never received the bill or credit card, and went to the store with purchase receipt and application package demanding for payment. After store associate called the bank, {$25.00} was confirmed as minimum payment without financial charge, and paid {$25.00} in the store on XXXX XXXX, 2016. However, received the statement XXXX XXXX that stated posted charge of {$30.00} late payment, {$13.00} for the finance charges. I paid off the rest of balance on my account on XXXX XXXX. Complain : No bill for the payment, charge is not transparent, the benefit interpretations was misleading, solicitation for the opening HD credit card with fake benefit.
Consumer complaint received 2016-07-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

I signed up for a CitiGold Checking Account with a promotion where I was to be awarded XXXX XXXX XXXX miles upon meeting certain requirements including a {$1000.00} spending requirement in debit purchases and two bill pays. The points were to be posted within 90 days of meeting these requirements. I have contacted Citi multiple times and created multiple inquiries to resolve the issue and they have yet to post the miles. The requirements were met in XXXX and it was verified by a Citi representative that the points would post in the month of XXXX. On XXXX XXXX, Citi randomly closed my CitiGold Checking account and refused to cooperate with me on any further inquiries about the points because the account was now closed ( that I never requested to be closed and they can not figure out why it was closed ). See attached for screenshots of my inquiries and their request for me to provide my XXXX number, which I did promptly over the phone.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CITIBANK, N.A. (AL)

1. at this time. home depot is paid in full. it was a washer. I closed the card because of the unprofessionalism of their customer service. therefore I did not want to do any business with them. 
2. Att. uverse. I sent them their receiver back and that has shown up. They are charging me for something that I am not using. 
3. I have no idea what XXXX or XXXX is. 
Thank you
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

This is a follow up on my case number XXXX. I would like to submit the attached documents showing my scheduled court date on XXXX XXXX, XXXX. XXXX has responded that they dropped the foreclosure case against more than a year I believe in XXXX XXXX. As you can see on the attached, there 's a scheduled hearing with the referee on XXXX XXXX, XXXX. I called and spoke to XXXX XXXX, Fiduciary # XXXX at XXXX XXXX XXXX XXXX XXXX, telephone # XXXX a couple of weeks ago and she told me that she was not aware that she was listed as a referee on my case. XXXX XXXX claimed that she does n't know why her name was listed as the referee and that it was a mistake and that she was going to contact the judge assigned to remove her name. Unfortunately, I have not heard back from her. Attached is copy of the notice. 
I 'm not sure how these documents are processed, but I truly believe there is something terribly wrong with this entire scenario. First, the law firm lied and claimed that they withdrew from the foreclosure case against me back in XXXX XXXX while the case is still listed as active and I had to appear in court just recently in XXXX XXXX. In addition, there 's a court date scheduled in XXXX XXXX, XXXX with a referee who claimed that she is unaware of anything and that it was a mistake. I believe someone is creating fraudulent documents and setting up consumers to lose their homes. I would like the law firm XXXX to send me an official notice that they have withdrew the foreclosure case against me and also to update the court records to note the case is closed or disposed.