vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-03 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Double Cash credit card gives you 2 % cash reward ( 1 % when you make any purchases and another 1 % when you pay the balance. ) I bought a phone from XXXX XXXX using XXXX credit card. When I returned the phone, an XXXX staff asked me to give him a card so he can put the refund money on it. Because of my confusion of having too many cards, I gave him my Citi Double Cash card. 
When the {$1000.00} refund transaction was clear, Citi thought that it was a refund from my using their credit card, so they deducted {$4.00} from my cash reward balance instead of giving me {$9.00} more ( I spent {$540.00} on purchases and paid {$350.00} I owed them. ) Thus, my total loss was around {$13.00}. 
I called Citi and explained, a guy ( I ca n't recall his name ) said he did a dispute, and I could expect to receive {$15.00} back in XXXX5 business days. 
Today XXXX/XXXX/16, I called back asking why I have not seen the {$15.00}. Another guy said he was not able to find any disputes on my account, which means the first guy lied to me. After talking to his supervisor, this guy said they refused to give me the money. 
I think this is absolutely wrong. The amount of {$1000.00} was not from Citibank. I did not use Citibank 's credit money to make the purchase. It was supposed to be considered as 'payment ', not 'refund '. Thus, they had no rights to deduct anything from my cash back reward. Please help me work out a solution with them. 
Thank you.

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
Consumer complaint received 2015-04-29 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a wire transfer through Citibank to XXXX in the amount of {$18000.00} in order to purchase a land in XXXX on XXXX. It took almost 1 month and the fund was never received by the beneficiary. I got answers that the transfer takes up to 5 day,10 days, and 20 days ... every time I called. Citibank is supposed to contact me if there is anything wrong but they never did and instead, I contacted Citibank almost every week since the transfer was made. Citibank promised me that I will get full refund and fee if the transfer is not made. So the last time that I called them was on XXXX. XXXX, XX/XX/2015 and I was told that the fund was returned because the account number that I provided was not correct. I also contacted the bank in XXXX to check all information and all information is correct including the account number. I would like to get my full refund and the processing fee as they promised since my time has been wasted and I will not trust them again. The problem is that Citibank told me that they will refund me with the current rate and without the fee which means I will lose money. This does n't make sense at all! Citibank kept telling me different answers and changing their minds which is not right. I highly doubt that if they ever transferred the fund. I ca n't pay for this because I provided correct information. In addition, I could always modify the information if there is anything wrong. I really need my full refund because Citibank failed to transfer my money. I 'm providing information regarding to this issue below. 
Source Account : XXXX ( Checking ) US Dollar Amount : $ XXXX : XXXX XXXX XXXX Account : XXXX : XXXX XXXX XXXX XXXX : XXXX Number : XXXXCitibank Reference Number : XXXXTrace Number : XXXX up by : XXXX XXXX XXXX XXXX XXXX XXXX My name has been changed to XXXX XXXX and XXXX XXXX XXXX my previous name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I sent money to my friend in XXXX but by mistake I sent to a wrong bank. It happend on XXXX/XXXX/2016

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 2016-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
In XXXX 2016 it was announced that Pennsylvania, as well as other states and commonwealths had reached an agreement with mortgage lender HSBC. I am a homeowner whose mortgage was serviced by HSBC since I purchased my home. I have heard no news or updates on this agreement since the announcement in XX/XX/XXXX. I was particularly interested in the section of the agreement that pertained to the loan modifications, which included principal reductions and refinancing for underwater mortgages. For years, I attempted to get assistance through HSBC to refinance at a lower interest rate than the 6.79 %, which I still currently have on my loan. HSBC offered a series of loan modifications, which lowered my monthly payments, but did little to lower my principle balance. 
Last year, this modification resulted in over {$14000.00} being applied to interest only on the loan, while the principle balance only decreased by slightly over {$4000.00} during the year. Since HSBC would not refinance and did not participate in any Government sponsored relief programs, I am still stuck with a higher than average interest rate and still slightly underwater My concern about this agreement grew deeper when my loan was suddenly transferred to a new third party loan servicer effective XXXX XXXX, 2016. Is this loan transfer part of the agreement stipulations or is HSBC seeking to shed some loans to lessen the impact of the settlement? Given HSBC 's history of questionable business practices, it would not surprise me if the latter was attempted. 
During my prior inquiries, I was informed that HSBC would be in contact with their customers regarding this settlement. Since they are no longer the mortgage servicer of my loan are they still responsible for this follow-up? 
I would appreciate if you could review this correspondence and follow-up on my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been in the modification process with CitiMortgage for the last 2 years. I am consistently denied a modification. My last XXXX denials were because of unverifiable income. I work on the books, get a paystub and XXXX and my job deposits my money in my account every month. I get rental income, that is also deposited in my account every month. I submit any and all documents that were requested. I even forced my tenants to sign a lease because the banks said that I HAD to have a leases, though I did not want XXXX. I do not understand why my modification request is being denied. I make {$66000.00} a year plus have {$16000.00} in rental income. I filed bankrupcy and it was discharged in XXXX 2015, so I do not have any other revolving debt other than my student loans. My mortgage balance is {$390000.00}. I need help in determining why they are allowed to do this. I provide everything in a timely manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had opened a Citigold checking account XX/XX/2016 under the promotion of receiving XXXX XXXX XXXX AAdvantage points when completing the offer terms for the account ( total of {$1000.00} in debit card purchases and successfully completing a bill pay through the Citi service for ( 2 ) consecutive months ). I confirmed with Citi on XX/XX/2016 that I was enrolled in the offer. 

I completed the terms of the offer and a month later, I contacted Citi to confirm that I have done so. Citi confirmed that I had completed the terms of the offer on XX/XX/2016. 

On XX/XX/2016 I am now told by Citi that this offer never existed. They are now rescinding away from their terms and it is now evident that Citi 's business practices are malicious.

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 2016-12-06 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
I 'm still on chapter 13 so I have 2 loans out now that I did not know i could n't get! It 's hard to pay them back but they is not in my chapter 13! Once going to happen once they find out I 'm off chapter 13

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
ATTORNEY FOR CAVALRY KEPT CALLING, SKIP TRACING AND SERVICING LAWSUIT TO WRONG PARTY IN VIOLATION OF TCPA AND FDCPA ETC.. 

DEBT OWNER IS ESTRANGED SISTER-IN-LAW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
i had a installment loan out with Check n Go in my town over two years ago. i was unable to pay it back in full, and honestly, i forgot about it. earlier this year i received phone calls from a company called " XXXX XXXX XXXX '' who claimed that they would be serving me papers at my home address ( which they had correct ) and if they couldnt reach me there, they would be serving me at my " job '' ( but did not disclose where i work ). After being scared into their tactics, they got my debit card number and was withdrawing money from my account every 2 weeks ( my payday ) in the amount of {$120.00}. 

After a month or so, i stopped paying them ( XXXX 2016 ) .... Now ( XXXX 2016 ) a man named " XXXX XXXX '' is calling me from the same company again. they have n't withdrawn any money since then and after doing a good amount of research online, this sounds like a scam. i dont know who to contact about this, and honestly, i am still unsure if this is legitimate or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Scott Lowery Law Office, P.C.
State: CA

Complaint narrative:
Scott Lowery Law office contacted me about a alleged debt that supposedly I owe, I immediately responded back by mail to dispute the debt and to obtain verification and proof that I owe this debt. The paperwork that they sent back to me was arranged in a matter to represent a court filing and had my local courthouse name and address on it but no case number. 

The documentation provided was obviously forged because the contract they sent had multiple signature dates, no signatures and other fabricated. documents and documents with no reference to the original account number and no direct link to me as the creator of the debt. I sent a certified follow up letter disputing the information that they provided and have not received a response back yet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Certified Recovery Systems, Inc.
State: TX

Complaint narrative:
CERTIFIED RECOVERY REPORTED A COLLECTION THAT WAS WITH ANOTHER AGENCY AND TAKEN OFF MY CREDT. I NEVER RECEIVED A NOTICE FROM CERTIFIED RECOVERY OR ANYTHING. THEY JUST PUT THIS ON MY CREDIT. I SENT FOR VALIDATION OF THIS DEBT AND THEY JUST IGNORED ME. IT HAS BEEN 97 DAYS SINCE MY FIRST REQUEST FROM THIS AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTSTAR MORTGAGE CORPORATION
State: TX

Complaint narrative:
Received a bill saying that our escrow account was short {$3000.00} and that we would need to either pay that in full or be added onto our monthly payments making our new payments {$430.00} more a month than what we currently pay. Call the mortgage company to find out what was going on they said there had been a mistake or glitch in their computer that caused this to have this shortage that we need to pay we have called and expressed our frustrations with the mortgage company that we do not feel like we should have to pay for a mistake they made but they do not agree there is no way we can afford this kind of a mistake on our monthly payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Calvary Portfolio, LLC does not have a surety bond and according to the Texas Code 392.101, third party debt collectors are not allowed to collect on Texas residents unless they have obtained a surety bond. This account should be removed from all XXXX credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Citi Management Group, LLC
State: KY

Complaint narrative:
I have been receiving numerous calls to my work place from a man name XXXX who says he is with City Management Group. He says I owe a debt of XXXX dollars for " XXXX XXXX ''. There is no such thin as XXXX XXXX it is known as XXXX XXXX. I found it to be very " shady '' I asked him numerous times to send me a paper bill to my address which they said they did but sent it to an older address of which i have not lived for almost 10 years. They kept asking me to " Take care of it '' over the phone using a credit card and i said i was not going to give any personal information over the phone unless I have verification of the debt via paperwork. They would not oblige, and kept harassing my place of work and I am a police and medical dispatcher. They called today while I was dealing with a call and i told them to politely call when I 'm not on duty to which he says " I never answer '' but they never call after XXXX which is when I 'm still at work. I hung up after telling him i was busy at work dealing with a call and i hung up. He proceeded to then call me back requesting to speak to my supervisor which is me. I told him that over and over how this debt would be handled and he has not obliged and instead harassed me for the last month or XXXX. And keeps threatening me with " further action '' Yet no " further action '' has been taken. 
The number they are calling me from is XXXX which is in XXXX XXXX. I 'm in XXXX XXXX. Ive researched the number and most websites have listed it as spam and harassing. I do not mind paying a debt if it is real, but i have reasons to believe this is not a real debt especially after I refuse to give them my credit card which i do not have XXXX and he tells me to go buy a prepaid card and put X amount of money on it. 
If this is a debt that i owe I gladly would pay it, but there are easier ways of going about trying to collect a debt and this guy XXXX has not done so and has been very unprofessional, rude, and threatening. I have recorded lines proving so.

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 2016-05-11 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I am being sued by Cavalry SPV I , LLC, who claim that they purchased an alleged debt from XXXX XXXX. 

Documentation they provided at the pretrial hearing does not show proof of ownership, or how the alleged amount of debt was calculated. 

They have provided a bill of sale from the original creditor stating that all accounts in Exhibit A were sold/transferred to Cavalry SPV I , LLC, however, Exhibit A is blank as the accounts were redacted. 

They also provided an affidavit of sale from the Finance Manager of original creditor ( XXXX XXXX ) stating that a " pool of accounts '' were sold to Cavalry, however there is no mention of any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: CO

Complaint narrative:
I purchased a home XX/XX/XXXX and XX/XX/XXXX I received notice from the credit bureaus that I had a 30day late payment on my credit which has dropped me over XXXX points. After receiving the information that I had been late I went to XXXX/Stearns and asked when the payment was late in because the payment I had submitted was on XX/XX/XXXX which was 10 days past the date I needed to submit for. They then told me that the payment I made on XX/XX/XXXX would be to cover XXXX XXXX payment which would make it 40 days late. After much discussion I found that my account has had a rolling 30day late payment since XX/XX/XXXX. Believing this was wrong I went to my bank and requested the past years bank statements and payment history with confirmation of payment emails and have not found a month where a mortgage payment was not deducted fro my account. I then took the information to XXXX/Stearns and they told me to submit a email using their secure server on their website and include the documents that I have. I submitted 2 emails to Stearns including the information they required to resolve the issue and nothing has been done. We have also sold our house that was with XXXX/Stearns so the loan is closed out, but since XX/XX/XXXX we have received XXXX more 30day late payments on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I opened a Mortgage loan with National City XXXX in XXXX. National City sold the loan to PNC Mortgage. 
After becoming XXXX in XXXX in XXXX, I went through a nasty divorce and was forced to declare bankruptcy. The PNC loan was discharged in my bankruptcy. 
According to PNC records, PNC then sold the loan to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX.after the XXXX bankruptcy discharge. XXXX has been reporting a balance on the loan falsely which I was recently able to reverse. 
PNC is still listing ownership of the loan on my XXXX credit report. 
This means that my credit report has been wrongly reported as having XXXX separate mortgages. XXXX for XXXX and XXXX for PNC.when infact there was only XXXX. 
I disputed the reports with all XXXX credit beaureaus. XXXX still reports XXXX mortgages. 
I have contacted : XXXX PNC Mortgage to request the removal of the inaccurate report to all credit agencies, since this error has caused me to suffer unfairly. Pnc each time told XXXX that the information was correct even though thier own records show that they no longer have ownership if the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Financial Credit Services, Inc.
State: MI

Complaint narrative:
While looking over my credit report I noticed a collection account for American Financial. On XXXX XXXX, I sent certified mail to American Financial asking them to verify the debt. It has been over 30 days and I have not heard back. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XXXX XXXX I informed PNC Bank that I was a victim of a scam and fraud. I asked PNC to close the account and reopen a new account. PNC DID not investigate and informed me that I would have to repay the funds. On XXXX XXXX PNC went in to a joint account that my fianc and I have and took his entire check as well as closed the account with out prior notice or gave us the chance to work on payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: NH

Complaint narrative:
Mortgage lender Stearns Lending LLC is witholding greater than the XXXX escrow cushion in my escrow account. Made multiple attempts to resolve. They cut a check for approximately {$950.00}. There is an additional {$1000.00} above the XXXX number they are witholding, and company refuses to pay it out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I opened a PNC bank visa card in XXXX with a promotional rate of 0 % interest on purchases for the first 9 months. However, PNC bank has been charging me interest since my XXXX statement, the first actual statement with charges. I have contacted them numerous times and PNC bank refuses to provide an explanation. I have disputed the balance with XXXX and XXXX, being very clear that the balance was PNC bank was reporting ( adding interest ) was wrong. However PNC bank replied to the credit bureaus that the amount they were reporting was accurate. There is no way in this universe that PNC Bank has not recklessly violated federal laws and breached the contract they drafted with me. This reckless and unscrupulous behavior has n't stop there. I had unauthorized transactions on this same Visa card, I reported them via phone and through there own secure message center on XXXX/XXXX/2016 however PNC refuses to at least temporarily remove those charges until completion of their investigation. Additionally, PNC bank reported the balance to the credit bureau by including the disputed transactions. I truly do not believe this to be an isolated incident. My daughter has filed complaints against PNC bank, who actually attempted to steal {$360.00} out of her checking account and would have if she did n't question the debit weeks later. PNC admitted an error but refused to explain further. Interesting, what would happen to me or any citizen if we went into PNC bank and took {$360.00} without permission. Jail prison, huge fines ....

Company response to consumer: Closed