vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-02 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A.

Complaint narrative:
Like XXXX days ago someone stole my citiprepaid card and they do several transactions without any sign or pin involved that is the first issue then they send me a VIRTUAL prepaid card so I can do transaction in internet I do like XXXX transactions and then the card the card stop working, ,I 'm a XXXX XXXX and they put our salary in this cards and there is not other choice is there or nothing alse so in order to use my money I need a fiscal card but because I 'm on vacations they can not give me only when I 'm on board, and city prepaid do n't have any office in XXXX the country that I live so I talk to a guy that tell me if was a corporate supervisor after explain to him all the situation and spend more than XXXX hours talking to a lot of persons he told me they ca n't do anything cause they do n't know what is the problem they say everything was right XXXX the card and if I want to do something I have to send the money by global deposit and I will have the money in 4 days is been already 8 days and my money is not in my account or the card account so I do n't even know where is my money and they again say I have to wait more than 14 days to see what is happening with my money I 'm on vacations and I need my money nowwwww is all o have is annoying that u ca n't use your money because the bank told u they ca n't do anything when they are the ones doing the transactions!!!! And also in their internet page there is a part where they put that would be 4 days to do the transaction!! So at the end they are lying to the people promising something and then when they do n't know what to do they just change the rules!!! I really need ur help cause they even say they are not a bank!! And what I know they bellow to citi bank I just need my money and I do n't want nothing to do whit them anymore for your help 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 explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I initially made purchases with an understanding that if balances are paid prior to special promotion ends, i would not get interest charges. I have made a total of {$8100.00} in two years with promotional terms along the way. I have paid a total of {$7400.00} which would leave a balance of {$650.00} They have charged me a total of {$4000.00} of interest! that is absolutely unacceptable. I have spoken to an attorney who has gone over every statement and has made sure that the balances that were carried over were all paid prior to promotional terms so they should n't have gotten any interest. I was advised to go through CFPB and get this resolved with merchant prior to filing a lawsuit.

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 2016-03-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a mortgage with Citi-Financial and have not seen a principal reduction in over 2 years even though I pay my Mortgage payment every month. They tell me it is because I pay late but I can not understand why I have to pay 100 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I took a 0 % interest credit card transfer from my at & t Universal Card. The interest free period was to end XXXX XXXX, XXXX. I set up auto payments to insure the entire amount transferred would be paid off before the interest free period ended. I took a separate second 2.9 % interest balance transfer that is to end XXXX XXXX, XXXX. I inquired with the company that if I did that would it interfere with paying off my 0 % transfer. They advised me if I paid the minimum payment, any amount above would go to my balance that was expiring first. I paid off more than my 0 % transferred amount before XXXX XXXX, XXXX ( I owed {$1300.00} and I paid {$2100.00} by XXXX XXXX, XXXX ). The manager today told me as per the Federal Government they pay off the higher interest first, even though I specifically designated this payment to go to the one where I would be hit with a balloon back interest payment. So rather than being charged {$35.00} for 2.9 % interest they are charging me {$1300.00} for not paying the transferred balance by XXXX XXXX, XXXX. It is ridiculous!!!

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 2016-11-03 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
XX/XX/2014 my sears credit card had a balance. On the day payment was due, I received a text as a reminder. The following day I called sears to pay the full amount due, as well as confirm that there would n't be a negative impact on my credit report. The woman I spoke to told me that there was a 30 day grace period, which I was well within, and that if I had been late past that period, that they have a " one time '' late payment forgiveness. At the end of the conversation I confirmed there were not late fees assessed, and she said that it would n't show up on my credit because it had n't been reported as a late payment. Since then I have pulled my credit report for 2 years in a row and it has been reported as a late payment. I have submitted multiple disputes with the credit bureau 's which come back as updated, however when reviewing the dispute results the negative information remains unchanged.

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 2016-10-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I am trying to cancel my Citi XXXX credit card with Citi and it is proving very difficult. I was put into a queue and waited on hold for 21 minutes. I was told that there are few account specialists available and a long queue for me to speak with XXXX, and I am required to speak with an account specialist to close my account. I find this to be an unacceptable level of delay and difficulty in what should be a straight forward and simple task. I suspect that Citi is intentially making the process difficult in order to prevent me from cancelling, something that I have experienced in the past with other credit card companies also. Finally, someone came on the line and told me the company was having system issues and I needed to call back the next day.

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 2016-05-01 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a Citibank credit card from the time I started my XXXX XXXX program in the year XXXX. I paid it every month during the grace period, with the occasional exception generating interest. Sometime in XXXX to XXXX my limit had reached XXXX dollars. I tried to use it one day and it was declined, and I called and they said they were no longer offering that service to me. Then he asked me how I would like to pay my remaining balance. I told him I did not, and got off the phone. Though I had never paid through automatic payments, he then set up an automatic minimum payment each month without my permission. My bank activity became hectic with lots of autowithdrawals for bills and services, and this autopayment was not clearly named. It was not until XXXX when I closed that bank account that I noticed a XXXX something autopay that did little or nothing to pay more than interest. Over a period of more than 6 years, they had stolen around XXXX dollars from my account. Additionally, someone had changed the password and security questions on my account. I can no longer access any account information.

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 2015-09-20 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Performed balance transfer to other CC from a CITI Card. Transfer was posted to new credit card the day after due date of old CITI Card. CITI Card is now charging late payment and increased interest rate on remaining balance and new purchases even though they they had to receive payment from new card due to it posting the day after the CITI Card due date. CITI Card is now refusing to return charges and return interest rate back to normal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I wo n't go into it but citi pulled XXXX and denied based on my number not being on my fraud alert. XXXX XXXX conjectured that she could n't remove the inquiry but I applied again when confirmed physically by experian that the number was reporting. This time they demanded XXXX. Classic bait and switch, I RSVP to the XXXX CFPB meeting for the public and I have lots of documents to handover on consumer protection violations. Citi needs to learn Dodd-frank and refrain from attempting to school me on it, XXXX charlatans as they are now want Equifax go figure sounds like ECOA violation retaliation because I filed a dispute. In contradiction to the CCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I paid off XXXX credit cards in full XXXX month. XXXX XXXX Bank and XXXX Citicard. Citicard is attempting to charge me interest this month while XXXX Bank is not. Is this legal? I paid XXXX days prior to the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a Citibank citigold account with a promotion code XXXX, which comes with a XXXX Miles. After I fulfilled all of the requirements, Citibank neglected to deposit the XXXX Miles into my XXXX account.

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 2016-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XX/XX/XXXX I was approved on an individual basis for an XXXX XXXX credit card through XXXX. According to Regulation Z page XXXX ( under XXXX years of age ) and page XXXX ( under limitations on fees ), I was approved on an improper basis. I was under XXXX at the time, with no income, job, or assets. My ex fiance at the time was also approved for a card on an individual basis in which he was much older than me with his own business, house, mortgage, car payments. He paid for everything minus what little cash I obtained from doing paper work for his business at the time to pay on this credit card with an APR of more than 25 %. I feel that I have paid enough interest and actual payments on this debt to cover the whole {$2800.00}. I was n't actually earning my own income until XX/XX/XXXX. In the meantime I had gone to school and obtained my own job. I now am a XXXX only able to work 10-15 hours/week, car loan payments through my bank, a personal loan I paid off 2 years ago for an internet scam I was involved in, monthly rent, electrical bills, phone bill, tuition loans I have through my college. Not to mention I am on government food service assistance. This debt that I was more than loyal to for years should be relinquished. There is no way I can afford this amount whether it be in small payments or not. I have paid my share and feel that I was approved for this credit card in error from the beginning, based on my ex fiances assets and credit score. As if being a XXXX is n't stressful enough, I have been stressing about his debt that is hurting my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
over 7 years since last payment was made -- should be removed from my credit reports

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 2016-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I have a student loan that is reporting incorrectly. I have notified the company but they have not corrected it. They are reporting that I was 90 days late when it fact my loan has been in deferment for the past 2years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
Amerisave Mortgage Corporation offered me a very attractive interest rate in XXXX for refinancing my mortgage. I went ahead and applied for the loan as they guaranteed rate lock for a period of 60 days. They asked me to pay {$420.00} for payment towards Appraisal immediately. As soon as I paid, appraisal was done within XXXX days from the application date. I also submitted online all the documents they requested. Then they sat on my application for almost two months. When I followed up, they said they were busy with too many applications and offered to extend rate lock since they were delaying it. They did extend but kept delaying it further and coming back and asking some document or other. Today they sent me a mail saying that rate lock expired and I will have to go for whatever rate exists now. On top of it they are also asking me to pay for appraisal again saying that my appraisal report expired. It looks like that they have no intention of approving my loan application despite having very good credit standing. Now the rates have gone up and I lost the opportunity of refinancing at a lower rate. I read online and understand now that they do this for many customers. So I want to lodge this complaint and request you to take it up with Amerisave Mortgage Corporation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
NATIONWIDE RECOVERY ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you NATIONWIDE RECOVERY or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : NATIONWIDE RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
The firm, Luster Glaser and Wilson, PC Located at XXXX, MA.XXXX receive repeated phone calls from this agency, ( Up to XXXX times in one day ) concerning a XXXX XXXX. I have told them, that no one lives here by that name. Yet, they continue to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I refinanced my mortgage with AmeriSave back in XXXX 2015. At the time, they promised me a {$400.00} refund of my home appraisal fee. I have yet to see any of that money. My attempts to reconcile the issue have been ignored by the people in charge.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: BCB Investments LLC
State: IL

Complaint narrative:
The company has contacted my employer a total of XXXX times in the past 2 weeks. The company has NOT attempted to contact me at my personal residence or personal phone number. The company was alerted that he is calling a place of business and he should reach out via personal cellphone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc.
State: OR

Complaint narrative:
I have been receiving medical collection letters and although I have on numerous correspondence requested that they provide proof of the debts the company refuses to do so. The balances keep getting higher but I get absolutely no correspondence addressing my request. This is becoming a great concern for me and my family and I believe it 's a violation of the fair debt collection practices act which states that a collection agency must provide proof of a debt within 30 days and to cease collection when it is not the victims debt. There are other violations I believe that a good attorney would litigate. I am also filing a complaint against and with XXXX XXXX regarding this discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XXXX XXXX and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
Debt collection agency continues to add interest to my medical debt. They ca n't provide me with the interest rate information when asked. I am told just pay this and it wo n't matter we will waive the interest when you pay us off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: RI

Complaint narrative:
On XXXX/XXXX/2016, I applied online for a checking account with HSBC and to date, as of XXXX/XXXX/2016 I have never received any confirmation of my account. An attempt to contact them via telephone proved futile as well. At the time of account opening I authorized a deduction from another personal checking account in order to open the account so these funds are now tied up. I passed all of their security questions and their web page indicated that I would receive a final " review '' within 72 hours, ( see below ). I believe that due to the fact that I listed income received from Social Security that they are delaying opening my account and hoping I forget about it especially given the fact that they offered an incentive to open the account and apparently are screening applicants by questioning if they will receive Social Security payments in their accounts as the question was posed multiple times. 
" Please note that online applications may take up to 72 hours to be reviewed. To ensure an optimal experience, please complete the application in full with accurate information. ''

Company response to consumer: Closed with explanation