vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
RE : Ocwen Loan No : XXXX XXXX XXXX XXXX XXXX, MD XXXX ( Property Address ) Information contained on my credit report for XXXX and XXXX 2016 mortgage payments to Ocwen is blatantly inaccurate. First, I attempted to use its automated telephone system to make mortgage payments via " XXXX '' on the XXXX of each of the aforementioned months after XXXX However, when I prompted my personal identification information, I was not permitted to execute the mortgage payments. 
Ocwen mortgage payments are not accepted after XXXX or on the weekends, but will are credited the next business day. After the unsuccessful efforts to pay my mortgage, I was only able to make the payments the following weeks, but, beyond the thirty day payment period, i.e., XXXX XXXX and XXXX XXXX, respectively. 
However, if I was able to execute payments on XXXX and XXXX XXXX, as expected through its automated services, I would not have late payments for those two months on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I have not been receiving any monthly statements ( or periodic statements ) From Ocwen Loan Servicing , LLC, since my bankruptcy case closed on XXXX XXXX, XXXX. A federal rule, which went into effect on XXXX XXXX, XXXX, requires monthly statements be sent out to homeowners. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Have tried to retrieve a final insurance inspection report from HSBC insurance area and they refuse to give me a copy or forward a copy to the insurer. To prove to the insurance company that the first claim was completed 100 % - I ca n't get the new claim processed. It seems like it relates to my property and I should have access to this document. Please help -

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: First Associates Loan Servicing LLC
State: VA

Complaint narrative:
I attended XXXX in XXXX va from XX/XX/XXXX until XX/XX/XXXX when I graduated with an XXXX in XXXX XXXX. During my time there I was told that all of my student loans were taken care of through federal loans or tc temporary school credit which I would pay back. When I graduated I was told my loans took care of all my debt and I did n't owe anything. Well ive been getting notices from XXXX for the past 3 years and they all said account balance {$0.00}. Today I received a notice from XXXX saying that I owed {$29000.00} for a loan and I was {$11000.00} past due with a payment of {$370.00} a month. I am unaware of this loan being that all my federal loans are together and add up to {$40000.00}. I did n't take these loans out to my knowledge and believe I was tricked or lied to about how my tuition was paid. I would like to be part of the lawsuit against XXXX for predatory practices.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL

Complaint narrative:
I am XXXX XXXX from XXXX and I have looked at my credit report and noticed that a company that is from your state is listed on my credit report. I had a representative to contact this company last week on my behalf as I have a busy days during the week. After careful research my representative saw that this company is not authorized to collect or licensed to collect in my state of XXXX. XXXX has a specific rule as it relates to who is able to collect here. XXXX XXXX XXXX appears on my credit report and their license has expired according to the XXXX Office of Financial Regulations and with the business licensing division which is confirmed by our state 's website, XXXX. In order to collect in XXXX you must be licensed with both agencies and in good/active standing, which this company is not. My representative called and asked to speak with the office manager and or their compliance officer, and when she was asked what the call was in reference to, she explained the above. She was transferred to a guy that said his name was XXXX XXXX, who represented himself as the company 's legal counsel. He went on to denounce the claim verbally with the representative and attempted to scold her for not being an attorney ( which she never represented herself as such ). After more review by via reviewing the XXXX Bar Association website there is no active attorney in XXXX with the name of XXXX XXXX, and the only one that was listed was a deceased attorney. Fidelity Information Corp is willfully and maliciously violating XXXX State Law, FDCPA ( Fair Debt Collection Practices Act ), and is using deceptive practices and false representation. 
I am sure your office does n't support businesses in your state operating in such manner. The company was contacted to give them an opportunity to rectify the problem however they have failed to do so, and them continuing to report an account they ca n't legally report is very damaging to me as well as my family. Mind you, I have never had any contract with this company AT ALL! At this time there is no current court action pending, there has n't been in another legal actions prior with this company but if this ca n't get resolved expeditiously, then legal action will definitely go forward. 
I have letter I faxed to them, as well as proof of Expired status with both XXXX Agencies, as well as a copy of the XXXX Bar website with the only XXXX XXXX being a deceased attorney. Has this XXXX XXXX with XXXX XXXX XXXX ( if that is his name ) tried to assume and resurrect the identity of this deceased attorney " XXXX XXXX ''?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Went online to my bank to pay bill 2 days before it was due. The next day was grayed-out on Citibank 's Bill Pay and would not accept payment, which was not the case with other bills I was paying at the same time. They were open to receive payments the following day. I called my bank and they said it must be a problem on Citibank 's end. I paid, assuming that they have a grace period like other credit cards when the due date is on a weekend. The payment reached them on Monday and I was charged a late fee. I called them and asked that it be forgiven as a one-time courtesy, as I have never missed a payment and have always paid in full, which is also this case with this payment. They refused to remove the late fee.They charged 14 % interest for 2 day late fee which works out to roughly 2,500 % annualized

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 2015-12-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am a victim of identity theft committed by XXXX XXXX XXXX, who used my social security number to obtain credit and employment. I submitted a police report and this criminal was subsequently arrested. However, I continue to receive nonstop phone calls from debt collectors for her debt. The most recent offender is XXXX XXXX XXXX, which calls me numerous times per day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am trying to cancel my XXXX credit cards with citibank I am trying to pay the balances and close the accounts. Due to " fraud prevention '' they are unwilling to do so. I was able to pay the balance on XXXX card online but they are now refusing to allow me to cancel the card because they claim they ca n't verify my identity with out providing a relatives phone number. I was able to apply for, activate, sign up for online bill pay, and use the card with my phone number but now it is fraudulent. The other account they refuse to take a payment because they need a relatives phone number to verify the account. All I am trying to do is close these accounts.

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 2016-06-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Back in XXXX 2016, I got a promotion offer from Citibank for opening a Citogold checking account with a bonus of XXXX XXXX miles. I opened the account in late XXXX and completed the required tasks for the bonus. However, in XXXX and XXXX, I sent several secure messages online to Citibank and they refused to offer the bonus by claiming that I was not eligible, despite the fact that I was confirmed several times in XXXX and XXXX when I talked to some representatives for eligibility inquiries.

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 2016-04-01 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Costco is changing their affiliated credit card from XXXX XXXX to XXXX XXXX. While I understand and appreciate that this is intended to generate more benefits for customers, the reality is Costco will ship a Visa credit card without asking permission of the customer, and providing no ability to opt-out. Having the affiliated credit card is not a prerequisite of membership. On a call today ( XXXX/XXXX/16 ), Costco confirmed that the card will be mailed, even if the account were to be cancelled. This despite the card is not valid until XXXX/XXXX/16 ... 10 weeks from now.

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 2015-11-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have been in an on going dispute with Citi Bank regarding {$410.00} since XX/XX/XXXX. I was given the money back 3 weeks ago and paid the bill that they never did with my Debit Card then last week without my consent they added the {$410.00} to my card again. I called yesterday and they admitted it was there mistake and would credit me back. I called today for a follow up and got the run around about looking in to it still and not sure how long its going to take by XXXX and XXXX who a customer account supervisors. I just want my money that is not owed returned to me so I can cancel this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
At the Home Depot XXXX # XXXX store ( in Arizona ) in XX/XX/XXXX, the cashier offered me a discount if I signed up for a Home Depot credit card. I did so. The charge for the purchased products at the time was about {$50.00}. 
On the morning of XX/XX/XXXX I received a call from Citibank asking for a payment of over {$150.00}. Between XX/XX/XXXX and the end of XX/XX/XXXX, I have not received any information about the account - including a physical card, statements, account number, etc. 
When I asked them to remove the late fees and interest charges, they refused to do so, even though they never provided me with any payment information prior to this time. I have asked them to cancel the account. 
Unfortunately, I can not provide any specifics since I have no documentation from the company or any kind of access to an online 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 non-monetary relief
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The company is reporting delinquency of payment on my credit bureau reports. The account was paid as agreed and never late.

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 2015-05-19 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
PayPal. I purchased a music CD and paid with PayPal, which I have a cash balance with. Somehow I got enrolled in PayPal credit which I did not want. I got a notice that my purchase was due with penalties. I tried to email PayPal that I never wanted their credit and to just pay for the purchase with my balance. I got a letter/bill last week. I called their customer service and said that I was very unhappy about this, I would ( and did XXXX pay the purchase plus the {$7.00} fee via check and specifically told them to close the account ( credit ). It was n't until I read the XXXX XXXX XXXX article about the lawsuit that I realized what had happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am hereby writing to you with respect to the Citi Prestige card ( card number referenced above ) and the Annual Companion Ticket. 
I became a Citi Prestige card member on XXXX XXXX XXXX. Upon joining at this time, we received documentation from Citi Prestige indicating the applicability of the Travel Companion Ticket and its conditions ( refer attached ). 
XX/XX/XXXX, I was advised of some changes impacting the Citi Prestige card, one of which was to the Annual Companion Ticket. However, the documentation which I received from Citi Prestige ( refer attached ) indicated that the Annual Companion Ticket for travel to any worldwide destination and XXXX % savings on airfare must be booked within a year from your first cardmember anniversary date. 
When I read this, I was of the understanding as clearly stated in this communication that I would have until XXXX XXXX, XXXX to make my booking and be eligible to utilize the Annual Companion Ticket. 
In light of this on Sunday evening XXXX XXXX, I called Citi Prestige to understand the booking process for a trip I have planned for later this year with my wife. To my shock, the customer service representatives who spoke with me said that I was not eligible for the Annual Companion Ticket. What was also perplexing about this was that when I inquired as to why I was not eligible for the benefit, I was provided different reasons by multiple representatives, none of which made any sense including one representative who indicated to me that it was perhaps me who was n't comprehending the 'changes are coming to your Citi Prestige Card document even though this document clearly indicates the Annual Companion Ticket for travel to any worldwide destination and XXXX % savings on airfare must be booked within a year from your first cardmember anniversary date. 
In this respect, I will be filing a complaint with the Consumer Financial Protection Bureau and furthermore, I would like to highlight my disappointment in the customer service I have received with regards to this issue where I have been made to feel like I am the one in error. I am U.S. permanent resident who moved to the U.S. in XX/XX/XXXX. I have banked with Citibank since this time and also held a Citi Credit Card since XX/XX/XXXX and I have never been so disappointed in the Citi service, and ultimately their representation of their product. 
In summary, I hereby kindly request that Citi Prestige uphold my eligibility for the Annual Companion Ticket as is stated in their communication.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened a New CitiGold Checking Account online http : //www.offer.citibank.com/ with a promotional code XXXX for a bonus offer. The bonuses offered XXXX AAdvantage bonus miles in exchange for opening a CitiGold account and set up a bill payment for at least 2 consecutive months, and make at least {$1000.00} in debit card purchases. 
I called Citigold right after I applied the account on XXXX/XXXX/2016 to ensure that I am eligible for receiving the XXXX AAdvantage bonus miles, I confirmed with a representative from Citi that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. I met the requirements XXXX/XXXX/2016. I was asked to provide my XXXX XXXX account number to Citi so they would be able to credit the miles. 
When the miles had not posted a few days after the XXXX, 2016 statement, on XXXX/XXXX/2016, I called Citi to follow up on receiving my miles, The Citigold representative confirmed that I had indeed completed all requirements associated with the aforementioned promotion code, and that, per the terms and conditions of the offer, I would receive the miles 90 days from the end of the statement cycle in which the requirements were completed. 
However I was then informed by Citi on XXXX/XXXX/2016 that I was not eligible for the promotion since " There was not a promotion offered in conjunction with the opening of your account '' ( see attachment ). 
As stated above, I met Citi 's requirements and was eligible for the promotion as I was adhering to their terms and conditions for the promotion. I do not appreciate their continued willful denial of these terms, and their refusal to award me the points I have earned, all while I still keep an outstanding balance in Citigold account per their request to avoid the monthly fee. 
This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was not for this promotion. I am requesting Citi to honor the set promotion. If I was indeed not targeted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not do it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. 
I am a consumer who has been a good customer of theirs and has never missed payment on any of my services with them. Their denial of this promotion to me, despite their own employees confirming I was eligible prior, feels like a bait and switch tactic. I am turning to the CFPB as I feel I have no other resources. 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 non-monetary relief
Consumer complaint received 2016-08-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
my credit report says that I opened a credit card account on XXXX XXXX with Citicards CBNA. I never even heard of this company before let alone open an account with them. Could you please help me.

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 2016-09-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX 2016, both Macy 's American Express and XXXX XXXX informed me that my cards had been compromised. XXXX XXXX took care of everything quickly. Macys is continuing to claim that I owe them money for something I never bought. Over the months, I have been told I had no balance, then that they owed me money, and now that I have to pay a fraudulent charge because " the vendor reimbursed me. '' I never used this card to buy anything outside of Macys. I had been dealing with Macys online, disputing their final bill to me of nearly {$200.00}. I was told it would be taken care of. Then I received a bill from Macys for this amount plus late charge fees and interest. I wrote a letter to Macys on XXXX/XXXX/16, disputing this charge. I sent documentation along with the letter, but did not send it certified mail. Now I am getting harassing phone calls from someone from Macys demanding that I pay this bill.

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 2016-08-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hello, After receiving a promotional offer code for a Citibank checking account that would earn a XXXX XXXX mile bonus after meeting a few requirements, I signed up for an account using the code on XXXX/XXXX/2016. 

I then confirmed with a Citibank representative in XX/XX/XXXX that I had met the requirements and would be receiving the bonus. On XXXX/XXXX/2016 I received a message from Citibank saying that I did meet the requirement and would receive the miles in XX/XX/XXXX or XX/XX/XXXX at the latest. I have a copy of this message as proof. 

When XX/XX/XXXX came I received no miles, I sent a message to Citibank to check in. At this point Citibank said that, even though I had previously been told I would get the miles, I was not actually eligible for the bonus and so would not be receiving the miles. This seems to me to be blatant, false advertising. I would like the XXXX miles that I was promised and my {$60.00} in fees paid while I waited refunded. 

Thank you for your time and help.

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