vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I opened a Macy 's American Express Card XX/XX/XXXX. This automatically opened a Macy 's store credit card, as well. I put several purchases on these credit lines. Although I am never late in paying any of my bills, whenever I received the monthly statements from Macy 's the charges were always overdue. In other words, the due date of the payments was before the monthly statement was issued to me. Thus, the charges were always overdue by the time I received the statements. Because of this, I tried closing my Macy 's accounts. I spoke with numerous customer service representatives and closed my accounts multiple times over a 6 month period. Each time I did so, I would still get another monthly statement saying that my accounts were still open. Finally, I spoke with a manager who " confirmed '' that my accounts were closed. I did not receive another monthly statement, so I assumed that my accounts were finally closed. This was in XX/XX/XXXX-XX/XX/XXXX. Now, here in XX/XX/XXXX I got an alert from my bank that my credit score had changed. Upon examining my credit report, both the Macy 's American Express Card and Macy 's store credit card were still open! I have tried many, many times to get Macy 's to close my accounts but they still have not done so. This is after fleecing me on late fees for charges that were never truly overdue. I am asking the Consumer Financial Protection Bureau to help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I cancelled my Macy 's credit card account in XX/XX/2015. Today, I got an e-mail telling me I have a balance of {$2.00} for " minimum interest charges '' even though I have had a XXXX balance for a month. I have confirmation from a customer service rep ( attached ) that my account was closed as of XX/XX/2015. 1-How can they charge interest on a zero balance and 2- How can I owe them money on an account that was closed a month ago? Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
We went down that road before XX/XX/XXXX. CitiMortgage then placed a windstorm insurance onto my property, even though I had sufficient coverage. Only weeks after the first matter was finally corrected, or at least I thought it was, the same wrong accounting started again. Soon thereafter I received CitiMortgage 's threatening letters and automated phone calls. I took the time to communicate with the person on the other end of the phone line and have been assured several times that this matter had been solved. However, the problem still exists and the confusion about insurances CitiMortgage placed onto my property got even worse. I did have flood insurance with the XXXX XXXX but CitiMortgage appearantly tried to place additional insurances. When somebody recognized the error, I received a check for an overpay in escrow funds. In the meantime the wrong accounting started to place late fees onto my account because I did not submit the wrong amount and therefore their system, as explained to me by a processor, did not credit my account the amount I sent in. The amount I sent is exactly what the statement I attached called for. XX/XX/XXXX I talked to a supervisor who promised me personally that he would send me a detailed accounting statement. it never arrived and the wrong accounting escalated into it 's present stage. I can not get any response from CitiMortgage except automated phone calls and generic default packages. I sent a letter to CitiMortgage with the request to get a direct line to someone who had unlimited access to my account. Of course, no response. And that 's where we stand right now. It 's a shame how poorly business is conducted by a company of this size. XX/XX/XXXX I finally got a response from CitiMortgage but only after I contacted your agency. I would like to see the same outcome this time around and a detailed statement for my accountant to review. PS XXXX more cases similar to mine have been brought to my attention after sharing what happened to me. All in a small town. I wonder how many cases nationwide?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am currently the owner of residence address XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. My loan is with Citibank. The loan number is XXXX. I have been trying to get a loan modification with Citibank and we were almost successful with it. The loan modification that Citibank tried to give me was tremendously high. Citibank tried to charge me {$750000.00} for a condo that market value was {$300000.00} on XXXX/XXXX/2015. My monthly payments were going to be {$3000.00}. I would love to stay in my home but I think it is unfair for me to pay more than what the fair value market is. Citibank valued the property at {$300000.00}, please see attachments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank, through their Citigold Interest Checking Account has failed to meet their end of a promotion which I signed up for their account with. I signed up with offer code XXXX and the offer was for XXXX AAdvantage bonus miles after 1 bill payment for 2 months and {$1000.00} in purchases through my debit card within 60 days. I confirmed this information in a secure message on XX/XX/2015. They confirmed that the offer was active and took my frequent flyer information. I met those requirements shortly after, which I also confirmed with Citibank through messages. Citibank notified me that, as per terms of the promotion terms, the miles would post with 90 days. Well past 90 days, in XX/XX/XXXX, I still had not received the miles deposited into my account, despite having completed the promotion terms in XX/XX/XXXX. The customer service representative launched an investigation and sent me a secure PDF that found after an investigation that I WAS indeed owed miles still. This letter states I will receive my miles within 10 business days. That was on XX/XX/XXXX. My miles STILL have not posted to my account. I have been in contact with Citi, who tell me they will post the next day, but never do, or that they will look into it and call me back and they never do. 

It is clear that Citibank is aware that I am owed XXXX XXXX XXXX miles, have confirmed this through investigation, I have multiple messages and have talked to multiple representatives on phone and chat and yet they seemingly have no intention of crediting them to my account. Every avenue I have explored through Citi says that yes I am owed the miles, yes I met the promotion terms and then they give me deadlines they never meet or intend to meet.

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 2016-05-03 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Please refer to the detailed letter attached that I wrote to XXXX XXXX XXXX after they called me regarding my Macy 's account. Macy 's is completely violating the FCRA reporting to my credit a charged off account and only showing XXXX 120 day lates in XXXX XXXX, XXXX XXXX, and XXXX XXXX. There is a balance I do n't owe also reporting of {$280.00} ( see attached page of my recent credit report ). I closed this account after the terrible customer service trying to find out why my perfect financial past is being heavily hurt by their errors and I cant get a home loan because of them. I NEED THEM TO CORRECT THIS IMMEDIATELY OR I WILL FILE A LAWSUIT AGAINST THEM. THEY DECIDED TO NOT CASH MY CHECK AND RETURN IT TO ME AND CA N'T EXPLAIN WHY. I AM NOT AT FAULT AND IT IS FRUSTRATING TO HAVE TO TAKE THESE MEASURES TO RECTIFY IT. SEE ALL ATTACHED DOCS AND HOLD THEM ACCOUNTABLE.

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 2017-03-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Some guy from XXXX Solutions ( telephone # XXXX ) contacted me about a debt I attempted to pay several years ago for which i have received NO written communication for years. Said I had to make telephone arrangements to pay the debt -- but when I requested a letter -- he refused and then threatened to report me for refusal to pay -- to put it on credit report. I said I was not refusing to pay, but wanted a written communication first. He became non-negotiable and then ended the phone call -- hanging up on me. This was for an old Citibank card I have made several attempts to track down, yet have not received any communication from them. This guy was nasty and abusive.

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 2015-09-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My fianc just opened up an checking account after he received money from a law suit. he wrote me a XXXX XXXX XXXX personal check to add to the money that we are saving to purchase a home. Unfortunately, he did n't sign it. It is a new account with starter checks and there was no place for him to sign ; ( he 's new to this and I do not rite checks ; only use debit cards ) so I signed the back and endorsed it in my account ( thinking nothing of it ). My account was terminated. I followed the directives given by chase representatives to try to resolve the matter ; I even brought my fianc with his checks, ID, and account info into my branch confirming that his checking account existed, and had the funds available at the time of request and still they chose to end the relationship as I was informed today. I could provide you with all necessary info regarding tis matter ; but I need time to get all supporting documents from my fianc. I was very eager to contact someone for help and get the process started to officially resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I disputed a debt from Midland Funding in XXXX of last year and it was removed from all three credit bureaus around XXXX. It was re-reported and placed back on my bureaus approximately in XXXX or XXXX of XXXX, this time with XXXX late payments. I never agreed to make any payments. This debt is more than XXXX years old and I have a Experian credit report from XXXX/XXXX/XXXX showing the Midland funding collection to be removed on XXXX XXXX due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
citi mortgage is using the hamp program to commit fraud in a federal court

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
I recently contacted experian to dispute XXXX identical accounts on my credit report from XXXX and XXXX. The investigation took less than a week and it can back as updated. When I looked at the date of account reported to the credit bureau, it went from XX/XX/XXXX to now XX/XX/XXXX after I made a dispute. I sent a letter of validation to Lustig, Glaser and Wilson asking them to validate that I owe the debt on XX/XX/XXXX. They have not responded or validated that I owe such debt as of yet. XXXX, I believe is a fraudulent collection agency that works under several alias such as Lustig, Glaser and Wilson and several others. I do not believe that this account is mine. I also do not understand how XXXX different agencies are collecting and reporting for XXXX account. I highly doubt that what they are doing is legal and would like the Consumer Financial Protection Bureau to look into it. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
Your firm is in violation of the federal authority on health information privacy arises from the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ), Standards for Privacy of Individually Identifiable Health Information ( 45 CFR Parts 160 and 164 ). California has several laws on health information privacy, including the Confidentiality of Medical Records Act ( Civil Code 56 et seq. ), the Patient Access to Health Records Act ( Health & Safety Code 123110 et seq. ), the Insurance Information and Privacy Protection Act ( Insurance Code 791 et seq. ), and the Information Practices Act ( Civil Code 1798 et seq. ). Citations for specific rights enumerated in this document are provided below. All the referenced laws may be found on the Privacy Laws page of the California Department of Justice 's Web site. Please provide copies of your security policies, testing and audits that prove your data privacy is compliant from a XXXX party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Ceannate
State: CA

Complaint narrative:
I recieved a letter of notification that my student loan balance was {$0.00} XX/XX/XXXX. 
I recieved in the mail last week XX/XX/XXXX a letter from FMS stating that I owed {$1200.00} +XXXX+XXXX in fees. 
I paid off the full {$20000.00} My first initial thought was that I am being scammed. I 've called the dept of education and they have transferred me to several different companies. No one can seem to tell me exactly why I got this letter. 
Please help me. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SEMPER HOME LOANS, INC
State: NY

Complaint narrative:
After doing a refinance, I received a deceptive mail piece. It looks like official paperwork. But it is a trick to get you to call semper home loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I was involved in an auto-accident in XXXX XXXX after being hit by another driver in traffic. As a result, I went to the hospital for XXXX immediately following the accident. At the time I was not covered by medical insurance so the policy I was under covered the bills plus sought reimbursement from the other driver 's insurance company. There was some confusion around this as the hospital and insurance companies failed to communicate with each other properly. 

I have not heard from any parties re : this matter until 3 weeks ago when I received a notification on XXXX of my credit monitoring services that a debt collection agency had filed a collection account with all XXXX credit reporting bureaus. I had not received any mail, email, or phone call from this agency threatening such action and at the time, I had no idea what the debt was relating to. After sending a request for debt validation, they sent me a copy of the hospital invoice which states quite clearly " no response '' from insurance company. 

I contacted XXXX ( my insurance at the time of the accident ) to find out what was the outcome of the claim. Their response ( which I have in email ) states that all debts had been paid to the hospital, but they had the case still open on their system because there may have been a double billing issue ). 

I have already been penalized XXXX pts on my FICO score because of this matter which has caused me to cancel a consultation re : a personal loan for my wedding on XXXX XXXX, XXXX because of a significant hike in interest. 

I will be informing said company in the coming days that they need to take immediate action to rectify the damages to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I had disputed a closed charge off balance of XXXX from Midland funding collections on all XXXX reporting credit bureaus ... .After the dispute came back on or approximately XX/XX/XXXX it was reported to all three bureaus that I only had a balance of XXXX dollars..I then contacted Midland funding to pay the XXXX dollars.They said no I still owe XXXX dollars and that they never reported the balance of XXXX dollars to no reporting agencies. I have proof from all XXXX credit reporting agencies ... .They then contacted the XXXX bureaus after my dispute came back stating I only owe XXXX dollars and reopened my account to reflect the XXXX after my call to pay the XXXX dollar balance ... ..My score dropped over XXXX points ... ..This is definitely a violation the fair reporting act. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My wife is going through the exact same thing!! 
I called on XX/XX/XXXX, to close my acct. We tried to close his account b/c of the fee. He stopped using the card months ago. Amex tries to talk him into keeping the acct. He asks for a downgrade to a free card. None available. Amex claims that they ca n't reverse the annual fee for XX/XX/XXXX even though we have n't used the account since the fee was assessed on XX/XX/XXXX. Moreover, we stopped using the account months before the fee was assessed. Amex said we 'd have to talk to a supervisor but she was unavailable. We left her a vmx. No response. 

All we want is to close our acct in good standing with a zero balance. Amex thinks it 's fair to charge an annual fee of {$95.00} for a card we have n't used in months simply b/c we called XXXX days after the fee was assessed on an acct we do n't use. 

AMEX does this every single time. We have never experienced this with any other bank. Then Amex tries to charge late fees and interest charges based on the annual fee alone!!!!! This is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Greetings, My name is XXXX XXXX I was XXXX from the Military and after almost a year from XXXX I struggled to pay all my debt. so I decided to enroll in the Debt Settlement Program and they promise me to pay my debt from XXXX XXXX Credit Card and they Included the XXXX XXXX Credit Card as contingency debt which I owe in the amount of {$5900.00} but unfortunately they denied the XXXX XXXX XXXX was not included on the program. so the XXXX XXXX Credit Card started garnishing my Social Security XXXX since XXXX 2014 to present. now my problem is they sold the debt to a collection agency simultaneously garnishing a portion of my XXXX. now the collection agency TRANSWORLD SYSTEMS INC. want me to pay {$6100.00} now Im confuse and helpless. 
I hope you can help me and give me advice because I do n't know what to do and how to deal with collection agency that continued collecting a payment. I will disclose the address and phone number of the involving party Sincerely XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS I. 
Attn : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation