vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: CA

Complaint narrative:
My consolidated federal student loans are serviced by FedLoan Servicing. ( I have made about half of my qualifying XXXX XXXX XXXX XXXX payments. ) Last year, I received a pay raise from my nonprofit job, and in XXXX I filed the annual recertification paperwork. In XXXX, I was told that I was no longer eligible for the XXXX plan and was placed on the standard plan, which I ca n't afford. I applied for certification a second time because I am eligible for at least the XXXX plan ( my last XXXX is around {$67000.00} ). Since then, I have been deferring payments because I am unable to afford them at the standard plan rate. I also checked on XXXX separate occasions with FedLoan representatives, who quoted me estimate of approximately {$360.00} in monthly payments. In XXXX, XXXX approved me for the XXXX plan at {$410.00} per month. ( I can explain my math if necessary. ) The FedLoan representative I spoke with advised me to request a recalculation, which is just submitting yet another recertification, which will take several more months. 

The summary of this is that by initially and erroneously adding me to the standard repayment plan, which required me to defer loans for multiple months while they recertify me for an XXXX plan, and now asking me to submit the same paperwork for a third time, the balance on my loans with FedLoan has increased approximately {$9000.00}, or 10 %, in a matter of months. I have no recourse to expedite the recertification, I ca n't get insight as to the math they use, I always get conflicting information or learn something after it would have been beneficial, and each time I request a recertification, it takes at least three months, all of which puts me further behind making my required payments. 

FedLoan financially benefits from these delays by compounding the balance on my loans, all of which could have been avoided by competently recertifying me in the first place. 

I 've attached my latest tax return as evidence of my adjusted gross income, and I 've also attached documents from FedLoan Servicing indicating the revised monthly payment terms and forbearance notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
Replied to ad on XXXX, was rental home from my home town in XXXX SC, I wanted to rent it for my Daughter and grandson, was asked by Email and Text by XXXX XXXX XXXX to send half the Deposit and XXXX Months rent to XXXX XXXX in XXXX, Arkansas zip XXXX, his personal assistant, I did this, then he said his attorney said he had to get all of it before sending keys, I explained would not send all of it ... the agreement was he would send keys and as soon as my daugther received the keys and they fit the door I would immediately send him the full amt. Then he says his attorney said he can keep money until he has the place rented. I told XXXX that I would be contacting everyone including the police in XXXX Arkansas to return my money ASAP I wired {$770.00} to XXXX XXXX in XXXX Arkansas on XXXX reference # XXXX through money Gram at Walmart. It was sent from XXXX in XXXX Ga XXXX. I have all the Emails and Texts to me and my daughter Thank you for your time and help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I have no idea where or who this XXXX XXXX came from because I have never been nor do I know who this XXXX XXXX person is!!!.???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Plutos Sama, LLC
State: MD

Complaint narrative:
I have recently found information that XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX as individuals and Representative ( s ) or Agent ( s ) of Fisher Law Group have submitting false evidence under the penalty of perjury into the XXXX Court XXXX XXXX XXXX XXXX. Fisher Law Group has foreclosed on the subject property in 2013 using the name of the original Secured Party Creditor and a license number that expired in XXXX XXXX XXXX XXXX XXXX XXXX Substitute Trustee under the penalty of perjury affirmed that the purchase of the subject property was fairly sold and bought at a fair price. The subject property was purchased by Fisher Law Group, PLLC, XXXX XXXX XXXX and auctioned by Auctioneer XXXX XXXX XXXX for XXXX Action. I have reason to believe the bidding and auction of the subject property were rigged by XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX. Sworn Affidavits filed in case number XXXX to also include the Assignment of Deed of Trust, the Deed of Appointment of Substitute Trustee and the Writ of Possession and Eviction filed by the Defendant XXXX XXXX XXXX of XXXX are in fact willful and deceptive violations of XXXX U.S.C. XXXX ( XXXX XXXX, XXXX U.S.C. XXXX ( XXXX XXXX, XXXX U.S.C. XXXX ( XXXX XXXX and XXXX U.S.C. XXXX. There are many irregularities in the assignment of DEED OF TRUST and the process in which such DEED OF TRUST was allegedly transferred, conveyed, assigned, sold, recorded, etc. As asserted, these defects left the foreclosing entities without authenticating documentation to the property and without the authority to foreclose.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I make an inadvertent pay through my online bill pay to my Macy 's credit card in the amount of {$2500.00}. I have attempted to get a refund of this amount to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Bank : CitiMortgage. I paid off my mortgage with Citi and refinanced the same with XXXX. Citi has charged me XXXX dollars ( XXXX dollars twice ) saying they faxed me a Payoff Statement, when I do not even have a fax number. They are unable to provide me details on who and to what address ( phone or mailing ) was the payoff statement sent. 

Citi has also charged me XXXX dollars as " release Fee '' when it is actually Recording Fee. I already paid the Recording Fee to my refinance company ( once for recording that Citi off the mortgage and once for recording that XXXX is on the mortgage ). I have also checked the same at XXXX XXXX XXXX and the monies for these transaction have been paid my closing company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.

Complaint narrative:
I want you to contact Citibank and XXXX XXXX XXXX of Citibank, XXXX and ask him why my online Dollar Account is still not activated after i paid all the fees they had asked me to pay.I paid {>= $1,000,000} for the online dollar trust Fund account and {$500.00} for the Authorization and Activation fees which Citibank and XXXX XXXX XXXX of Citibank, XXXX ask for on the XXXX XXXX 2016 and then Citibank and XXXX XXXX acknowledged receipt of my payments fees and said they are working on my Online account, but to date nothing has not been fixed.I want Citibank and XXXX XXXX to be exposed and also i want the XXXX Police, Fbi, and XXXX and CFPB to intervene and force the Citibank to fix my account and i also want to take my account to other Banks which will treat me with respect.I owe people money and i cant afford to starve when i have money at Citibank, XXXX and the people i owe money dont trust me and said i am a liar when i told them that Citibank, XXXX is still busy with my Account.The last email i received from Citibank and XXXX XXXX XXXX was on the XXXX XXXX 2016 telling me that he is busy with my online Account and that he will activate my online account but since then, i have not heard nothing from him or Citibank.When i try to contact XXXX XXXX XXXX and Citibank, XXXX, they keep ignoring me or dont attend to my calls or emails.I am not happy at all and i want actions to be taken against Citibank and XXXX.Should you need additional proof of documents and job id card of XXXX of Citibank, XXXX feel free to contact me on my email address and i will forward you with all the documents, Proof of payments i made to XXXX XXXX bless of Citibank, and all his emails he send me and his Citibank Job id card .I look forward to hearing from you and how to resolve this with Citibank , XXXX.I would also like for Citibank to refund me all my money i paid to them and XXXX XXXX of citibank, XXXX and possibly take my Account to other Banks which will treat me with respect.There are better banks like XXXX , XXXX XXXX XXXX and others which can give me better service than what Citibank is doing to me.Thanks Regards XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have contacted Citibank at least eight times since XXXX XXXX regarding errors on my credit report. Initially, Citibank responded stating I needed to contact the XXXX credit bureaus about my problem. I did as Citibank instructed and received XXXX letters stating Citibank was basically at fault and would need to correct their error. I then wrote several more letters to Citibank, including a letter to the legal department " demanding '' these errors be corrected. Citibank sent me XXXX letters on XXXX/XXXX/XXXX, one letter on XXXX/XXXX/XXXX and one letter on XXXX/XXXX/XXXX, which stated they would correct the errors and it would take up to 30 days to be reflected on my credit reports. Today is XXXX/XXXX/XXXX, and my credit reports are still not accurate. I have spent many hours on this problem ( at least 15 ) and nearly {$20.00} in postage for the various letters sent to Citibank and XXXX credit bureaus. This is not right! I 've been a loyal customer for 21 years ( XXXX ). My credit report needs to be corrected. I also am " demanding '' {$5000.00} in compensation for my time and the financial resources spent attempting to resolve this matter informally. I have PDF scanned copies of all the letters I have sent to Citibank and XXXX Credit Bureaus and would be happy to share those with Citibank as proof. The dates of these letters are : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( x3 ), XXXX/XXXX/XXXX ( x2 ), XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Also, my credit score continues to suffer and has suffered for over a year due to Citibanks inability to solve this simple problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
XXXX hired Financial Asset Management Systems to collect on a private student loan. Financial Asset Management Systems XXXX FAMS XXXX had previously stated in a Consumer Financial Protection Bureau complaint that I had filed that they do not save credit card information. Their statement was false and deceitful because I went online today to make a payment to the FAMS online payment website and they had XXXX different credit cards saved under my name and account information. FAMS is intentionally misrepresenting that they do not save credit card information when in fact they do save credit card information as is shown in the attached .jpg file which I screenshoted to show that FAMS does save credit card information even though they had previously stated in a prior CFPB complaint that they do not save credit card information. FAMS is engaging in deceitful debt collection and misrepresenting their business practices which is a flagrant violation of the Fair Debt Collection Practices Act. FAMS lied when they previously stated in a prior CFPB complaint that they did not save credit card information which was a flagrant lie and I have proof that they lied to me about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Due to a " Regulation D '' violation ( too many transfers ), my savings account through Citibank , N.A . was closed on XXXX XXXX, 2015. All correspondence up to that point indicated that the funds from that account ( {$4100.00} ) would be transferred over into my Citibank checking account. It it currently XXXX XXXX, 2015 and those funds are nowhere to be found. Every Citibank representative with whom I have spoken has given me a different answer as to when I can expect to receive them ( including the XXXX week when no mention of a check was made, whatsoever ). At this point, I have absolutely no idea when I can expect to receive this money, and Citibank has been no help to me at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Lending Club Corp
State: PA

Complaint narrative:
I signed for a loan online with lending club when I was in college for XXXX, the loan was about {$10000.00}. When thing started to be hard for me, I signed up with a debt consolidation company name " freedom debt relieve '' where they settled this account with lending club for me which was {$4800.00}. Even after the settlement lending club sold my account to another deft collection company name XXXX without sending me any notice. I contacted lending club my self few times, sometimes they put me on hold or hang up on me. I kept calling, sending them letters for about six months nobody ever answer me ..XX/XX/2016 I paid the full balance of the settlement to the deft collector company they sold my account to. I called them that day I finally spoke with a customer rep I explained to her what they did to me it 's wrong and illegal cause there 's no way they can sold my account to another company without sending me any letters, and also I told her now I paid in full the settlement why it 's still show on my report this account is charged off where it should says settled in full or paid in full .she was unable to answer my questions put me on hold again and hang up right on my face ..two days after I received an email from lending club stated whatever they report to the credit bureau not gon na change .. I called the other collectors they sold my account to and explained to them what 's going on, they told me it 's not them it 's up to lending club to report to the credit bureau the account is settled or paid in full.. until now lending club keeps that charged off on my report never says to the credit bureaus this account is settled or paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: ZENCO COLLECTION, LLC
State: NM

Complaint narrative:
At XXXX on Wednesday, XXXX XXXX, 2016 I got a voice mail message from someone who identified herself as XXXX XXXX XXXX She left a number to call her back and a reference number, but there was no further information about why she was calling. 

I returned her call around XXXX the same morning as she was quite aggressive about the time line in her voice mail. 

When I called I gave my name and reference number from the voicemail and was put XXXX hold for about two minutes. When the person came back on the phone they stated that they will calling about a pending case in XXXX XXXX XXXX and asked if I had ever heard of XXXX XXXX XXXX. I asked for the persons name and was told it was XXXX XXXX. She again stated that she calling about a pending case in XXXX XXXX XXXX. I stated that I needed a debt validation letter and she became angry and yelled that this had been through XXXX different collection agencies and since I was being difficult she would be putting the paperwork to garnish my wages and then said she would be taking 35 % of my paycheck and that since I worked for the government " good luck with that. '' And then hung up on me. 

I called back and the same woman answered the phone, I asked her to spell her name and she said in a very sarcastic way " XXXX, like XXXX '' and I asked to speak to her supervisor and she said she did n't have a supervisor. I asked " are you the owner of this company? '' and she said " hang on '' and put me on hold. Another person came on the phone and asked me to identify myself, I did and asked her to do the same. She said her name was XXXX XXXX. I asked her to provide the name and spelling of her company, Zenco XXXX. I also asked for the mailing address and she provided this information : XXXX XXXX XXXX, XXXX, Texas XXXX. She asked me to identify myself again and I did and then I explained to her that i had just spoken to XXXX XXXX who was very rude and threatening and that according for Fair Credit Practices that was not allowed. When I said that she became enraged and stated that they record all calls and she would review the call, but if I was n't willing to pay then they could do nothing and would be garnishing my wage and then she said sarcastically " good luck '' and hung up on me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened a Citigold checking account in XX/XX/XXXX with an offer for XXXX AAdvantage miles. I completed the offer requirements and was told by a Citibank representative that the offer had been applied to my account and the miles would be credited by XX/XX/XXXX. They now tell me I wo n't be receiving the miles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.

Complaint narrative:
Dear Sir/Madame, Good Day! I would like to inquire about Citibank the way they give a billing.I here in XXXX XXXX.I have a citibank credit card.My concern is.I have a bills amounting XXXX in XXXX rupees.But I failed to pay the exact amount which is XXXX due to financial difficulty. 
The only amount I payed is only XXXX.Then I received a mail below. 


We confirm receipt of your payment of XXXX and the same has been credited to your card on XXXX XXXX, 2016. 

The total amount due as per the XXXX 2016 statement is XXXX and minimum due amount is XXXX with a payment due date as on XXXX XXXX, 2016. However, the aforesaid payment is lesser than your minimum amount due. 

Late Payment Charge will be levied if the we are not in receipt of any payment within the due date or the payment made is less than the Minimum Amount Due. 

Interest will be charged if you do not pay back the previous bill in full and also on all Cash Advances from the date of transaction until the date of settlement. If a part payment is made, there would be no interest free period and interest charges would be applicable ( including on fresh purchases, if any ) via an average daily balance method. 

Hence, we request you to remit the remaining payment within the due date to avoid levy of charges. 


Thanking you Sincerely XXXX Manager - Customer Care I have a remaining XXXX in my savings account.When I check it its already gone in my savings account.Then I noticed that citibank take it.My question is is this fine for them to get that amount without informing there costumers. 
Please give me advice an advice regarding my concern. 

Regards, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HOVG, LLC
State: FL

Complaint narrative:
Bay Area Credit and XXXX XXXX XXXX companies have received my number in error. They continue to call though I have explained their area and asked to be removed from their call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I went online in XXXX 2017 noticed a fraudulent charge of {$35.00} on my Macy 's Amex credit card, a card which I have n't used in a very long time. I contacted Macy 's customer service and told them of the fraudulent charge and they told me they would investigate. Three weeks later, they sent me a form to fill out which asked me to detail the specifics of the charge, including date, transaction name and amount. I was not able to do this as Macy 's has refused me access to my account online and had not sent me a statement showing the fraudulent transaction. I have the legal right to receive my account statements and have them sent to me. They deliberately ask for information and then disallow the card holder from being able to gain access to their own account. In addition, this fraudulent charge occurred probably because Macy 's does not require the use of the XXXX-digit security code on a card when making an online purchase. I rarely, if ever, used this card but obviously someone in the Macy 's organization is leaking account numbers. If Macy 's enforced the use of the XXXX-digit security code which verifies the person charging a transaction has the card in hand, I would n't be in this position I am now, trying to defend myself from a fraudulent claim. Lastly, I did n't charge anything on this card and want them to remove the charge from my account permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief