vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX and I am {$100000.00} in debt. 
My entire life I was told that I should go to college. I was told I would not get a good job without a degree. My dream was to go to XXXX and when I found XXXX XXXX XXXX I thought my dream had come true. The Financial Aid offices said I could go there as long as I took out loans. I was told that once I got my degree I would be able to pay them back based on my income and I would make enough to support myself and pay back my loans ; none of which are true. I began working full time to support myself and ended up needing to drop down to XXXX credits and spent a fifth year getting my degree. If I did n't work I would 've had to leave. My 2nd year-4th year I officially moved to XXXX, was paying New York taxes but I could not become a NY resident despite this and was still subject to out of state tuition which was significantly higher. I disputed this several times but as long as I was in college I was not a resident. 
To pay for school I took out {$76000.00} in private loans ( Citi bank- citi assist ) and approximately {$25000.00} in Federal to get my degree. I have been paying each loan on time for 4 years and I still owe more than I borrowed. My interest rates vary from 3 % to 10 %. A few years back I spent 1 month out of work and requested a temporary deferment on my loans. I knew I could resume in 30 days time and just needed a one month delay. Citibank sold XXXX of my loans to XXXX who then hiked my interest rate up to 10.875 % There is no end in sight for me. I will never own any property. I wo n't get married. I am stuck in an endless cycle refusing to default as my father was my cosigner. This is my life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I have no knowledge of this debt. My account with XXXX credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.

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 2016-07-27 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Visited the office of a physician XXXX XXXX XXXX XXXX TX. for a XXXX. Listened to information and was hard sold and reluctantly agreed to give my CitiCard as payment. After a few days of research and speaking to my primary physician I decided the service was not for me. I have contacted the office of the physician to get a refund which they are denying me. I have contacted CitiCard to dispute the charges providing written documentation from the physician showing I have received no services and CitiCard refuses to reverse the charges, stating that the services are available to me when I wish to take advantage of them. The key here is I do n't want this stuff in my body and I should not be forced to pay for something I do not want and have not received.

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 2015-07-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Our Macy 's American Express Account Statement for the period ending XXXX XXXX, 2015 included a charge ( Transaction Date - XXXX XXXX, 2015 ; Posting Date XXXX XXXX, 2015 ) for the XXXX XXXX XXXX, XXXX ( XXXX? ) for {$24.00}. I have never been to XXXX, AL ; Ihave never dealt with the XXXX XXXX XXXX ; this is NOT my charge. I reported it to Macy 's American Express, to the XXXX ( XXXX ) Police Dept. [ CR : Det. XXXX XXXX XXXX ] and to the Macy 's Amer. Exp. Fraud Dept. ; all were notified on XXXX XXXX, 2015. I paid the {$310.00} bill minus the {$24.00} fraudulent amount. Our Macy 's XXXX XXXX XXXX ending XXXX XXXX, 2015 still lists the {$24.00} charge plus {$2.00} interest [ Total : {$26.00} ]. Ihave notified all XXXX major credit bureaus and established Fraud Alerts with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I signed a promissory note with a bank called XXXX XXXX in 2008. Citimortgage inc.who isforeclosing on me, is the plaintiff. The note it hasattached to its complaint and motion for defaultjudgment is a copy of what I signed with XXXX. It has no indorsements on it. I haveasked for proof that citi mortgage acquired the loan andhave not gotten any.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a new CITIGOLD saving account on XXXX/XXXX/XXXX with their promotion : Earn {$500.00}. 
1 ) open the account before XXXX/XXXX/XXXX 2 ) deposit {$50000.00} WITH 30 DAYS. 
3 ) MAINTAIN A BALANCE OF {$50000.00} FOR NEXT 30 DAYS TO RECEIVE {$500.00}. 
My account opened on XXXX/XXXX/XXXX deposit {$50000.00} at same day AT XXXX XXXX XXXX, XXXX OFFICE, and still have balance {$50000.00} plus BUT HAVE NOT RECEIVE MY {$500.00} yet. 

If I refer a same citigold costumer I will get a {$100.00} each. I did for XXXX person XXXX XXXX XXXX in XXXX, XXXX XXXX and XXXX XXXX in XXXX, XXXX. 


CITIBANK SHOULD PAY ME ALL THIS PROMOTION MONEY.

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 2015-10-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I went to Sears XXXX in XXXX 2013 to get XXXX for my son. They said if I put the amount due XXXX {$3400.00} XXXX on my Sears Card it would be interest free for two years. I already had a balance on my Sears Card, and I was making monthly payments. I just received my Sears Statement today and while the balance was {$4900.00} last month, it is now {$7100.00}. A charge of {$2300.00} representing interest was charged to the account. If the original amount for the service is {$3400.00}, how do you get {$2300.00} in interest after two years? This does not make sense.That is a 69 % interest rate. Is that legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank refused to remove late fees and a resulting interest on purchase fee even after I explained that I had a few really horrible months. I was a customer for years and never late and they could not extend me this courtesy. They take advantage of consumers. I had a few deaths in the family, called to explain and they did NOT remove the late fee or interest fee. The late payment ( a whole 2 days ) triggered an interest charge as well. Seems to me that they wanted this to happen so they could collect these fees. They claim that they COULD NOT take the fees off. I do n't believe it. I have XXXX credit cards and a checking account with Citi. They could have been more understanding for someone like me who is never late. I feel that they are using these fees for their income. I closed the account and will close my checking with them as well. They are crooks and liars.

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 2016-06-29 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I along with XXXX others lost our American Express cards when XXXX severed its relationship with AMEX. I tried to look up past AMEX statements online but that information has been destroyed. What am I to do? Here I try to do the right thing by " going paperless '' and now have no access to my statements!

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 2017-02-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was charged by a third party without authorization. 
I disputed the amount but my credit card company still charged my for XXXX without any proof that I authorized the transaction. I spent hours on the phone with them but they are not giving me my money back

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 2016-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ZENCO COLLECTION, LLC
State: NC

Complaint narrative:
This account is n't mine but they insist that it is mine and with my social. They are very nasty and threaten me in everyway

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2016-12-30 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
My bank sent a payoff to my credit card company ( with Home Depot ) on XX/XX/XXXX to an address that the credit card company provided to them. The credit card company cashed the check and it cleared on XX/XX/2016. The check was sent with a letter to payoff and close the account specified on the letter and the check. As of today it has not posted to my credit card and the account is still open. Home Depot can not locate where the payment was applied and has basically refused to work with me or my bank. Copies of the cleared check ( front and back ) has been faxed to them multiple times and they can never locate the fax. Every time I call Home Depot it is a different person I talk to. No notes are ever made from previous calls so I can be certain that no-one there has attempted to address the situation which started early XXXX. I received a call from the collections department today stating that my account is past due and there are late fees and interest that have been applied. The story was explained again and she was unwilling to help in researching where the payoff check went.

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 2016-12-13 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I was an officer of a corporation that leased a building up until XX/XX/XXXX. The building was completely vacated in XX/XX/XXXX while a dispute on unpaid rents remained active. We made a settlement agreement of {$10000.00} in monthly payments of {$620.00}. All payments were complete and the matter was closed. On XX/XX/XXXX I received a notice from FCS Collect claiming that {$18000.00} was assigned to their office for collections for that lease. It shows {$13000.00} principal and {$5100.00} interest. I spoke to a XXXX there and provided an email with the check numbers and dates of the settlement payments and advised her that this was a time-barred lease agreement. According to California Code of Civil Procedure section 337, that the landlord was long past the four years statutes of limitations. She thanked me for the information and said she would pass it along to XXXX, the leasing company. I had not heard anything else back from her. Yesterday, on XX/XX/XXXX, I went to purchase a vehicle and to my surprise, my credit score dropped from 780 to 650 due to a bad/false claim from FCS for {$18000.00}. This effected my interest rate on the purchase costing me well over {$1000.00} of interest on my future payments. I contacted FCS this morning with my disappointment and prior to hanging up on me, they said " do not call back ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NORTHERN OHIO INVESTMENT COMPANY
State: OH

Complaint narrative:
Debt is XXXX reverse mortgage. Debt not owed until both my wife and I die. Still we are receiving collection letters. Requests to stop are unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Pacific Rim Alliance Corporation
State: WA

Complaint narrative:
XXXX on XXXX, WA XXXX. I took out a payday loan and ran into financial trouble with unexpected medical bills, on top of rent and my car needing new parts. I tried to set up a payment plan with the company. Anything really instead of paying the {$570.00} all at once which would overdraft me and cause me to be unable to eat XXXX drive, or pay for rent. I told them not to charge my bank account because there was no money in there but they have n't seem to have got the message in the past month. I gave my bank a stop payment order but each time the company Checkmate tries to take out the {$570.00} it costs me {$35.00}. I just need them to stop trying to charge my bank until I can get back on my feet again, or until they can work with me in order to come up with a payment plan.

Company response to consumer: Closed with monetary relief
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: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
Lustig, Grayson and Wilson leaves a recorded message on my telephone twice a week saying to call them to discuss my account. I do not have any outstanding debt, I have seen all XXXX of my credit reports stating this. I have been advised by the Massachusetts Attorney General 's Office to not call these people. I would like them to stop calling and leaving their messages.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Harris & Harris, Ltd.
State: KY

Complaint narrative:
Harris and Harris, LTD send me a letter reference to Collected money from XXXX XXXX XXXX when I started made Money Order payment in XXXX, 2014. They do n't reflected on his Computer. Recenlty The XXXX XXXX XXXX send a Finacial Assistance Award Letter as said The State paid a 100 % per cent, but they do n't believe me because, When I contacted The Debt Collection Agency was recorded on the phone they do n't asked me for The Reference Number of The Award Letter to Confirm as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Ceannate
State: MI

Complaint narrative:
I entered into agreement with navient for student loans. Now I am being approached by a collection agency about a federally subsidized loan. The company approach is deceitful. Blatantly lying and baiting me. Will not allow me to discuss matter when I am not at work. Would not schedule a callback without trying to force me to answer questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
This is my parents phone number. I setup a payment plan and gave them my phone number and told them that I ca n't be reached at the number they have been calling and to stop calling. They stopped for awhile but are now calling my parents multiple times per day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
On XXXX/XXXX/16, I received a voice mail message at work from a XXXX XXXX saying she was a debt collector from Harris & Harris and to all XXXX x XXXX. The number recorded by the voice mail system was XXXX. I do not know what this call is about as I do not give out my work number for personal matters. Also, to be able to leave a voice mail message, you need to know the main number for my office and also my extension. 
In order for XXXX XXXX to leave a message she would actually have to ask for me by name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Hollis Cobb Associates
State: FL

Complaint narrative:
On XXXX XXXX, 2016, I received my first communication regarding a supposed debt from Hollis Cobb Associates, which is a collection agency. The agent, however, failed to advise it was a call from a debt collector but instead falsely advised it was a call from a doctor 's office. Moreover, the supposed debt is invalid, yet I was not provided the information required by the FDCPA in an initial communication so that I can submit a written dispute and request that I receive no further telephone communications.

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 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Finance of America Mortgage LLC
State: VA

Complaint narrative:
Finance of America deliberately let the rate lock expire ignoring my numerous follow ups about their failure to contact the appraisal company to get it expedited. After my appraisal was completed 6 days before lock they wasted more time to add more Originate fee to my leaving me with no option but to pay. Basically forcing me pay the fee with no option. 
Looking at other reviews this seems to be the loophole they are using to let lock expire so they can charge more fee. I have complete documentation with clear time-stamps of my follow ups and their responses. Also they fail to respond to most emails in time and even if they which are ambiguous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LEADER ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I had Hail damage Summer 2016 in Colorado XXXX. I have turned every XXXX of the insurance checks over to my Mortgage Company. I have submitted all the required notarized Lien Waiver 's from the contractors. The Mortgage company has subcontracted the Loss Draft portion to another company, which have been very rude and difficult to work with. The mortgage company acknowledged that their subcontractor was not cooperating and appointed a person at their Corporate office to help, to date this person has tried to help, although the subcontractor is not working with her either. I had an inspection from their inspector and he said 95 percent of my work was complete. I have outstanding bills to be paid and they are not releasing the funds because they are saying 5 percent of the work has to be completed. The 5 percent outstanding are the XXXX, which may not happen until the weather in Colorado warms up. Several of the bills are over 30 days late to be paid. I hope you can help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX/XXXX/2017 I received a copy of my free annual credit report. Upon reviewing the report I attempted to dispute some items that I knew where incorrect at XXXX agencies. I went to each dispute online and was told I could not file disputes online. I was given a number and told to call Transunion. I called transunion, Transunion informed me that my was blocked because I needed to update my credit card for my account. I informed them that I no longer wanted the account and they said that I had to put that in writing. Furthermore, that I could not dispute anything on my credit without updating my credit card information. I informed them that it was my legal right to be able to dispute items on my credit report. I was informed that either I update my credit card information or I waiting until I put it in writing before they would allow me to dispute any information on my credit report.

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