vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Media Collections, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX has been trying to collect a debt from me which I did not incur. Many years ago I had an account with them, but it was paid in full when terminated, and I have not had an account with them for years. This is what I told them each time they called. 
Today I received notice that they have turned this over to a collection agency, Joseph, Mann and Creed.

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 2015-11-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: MORTGAGE INVESTORS CORPORATION
State: WA

Complaint narrative:
We refinanced our home in 2012 through Mortgage Investors Corportaion ( MIC ) XXXX . They stated that we only pay the 2 % APR interest on the current principle balance of the mortgage and in turn pay off the home faster. We were later told that MIC was sued for fraud. We have been getting calls from other mortgage companies to refiance the load to get out of the fraudulent XXXX. What is our next step? What do you suggest? As I am XXXX please contact my husband, XXXX at XXXX XXXXXXXXXXXX, XXXXXXXXXXXX, cell XXXX or myself at XXXXXXXXXXXX or cell XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a secured loan through One Main Financial located in XXXX, VA. I was laid off from my last employer on XXXX/XXXX/2015 with no notice. I had purchased the payment insurance on the loan in case a layoff affected my work. Along with my monthly payments, I was making payments on the insurance. After losing my job and contacting One Main Financial, I was told that I had to complete a series of forms ( one of which went to my previous employer which they did not return ). This has held up the process and One Main still expects me to make payments. This is a secured loan, they are threatening to take my vehicle which is my primary mode of transportation to work. I took the insurance originally as it sounded so simple, " you get laid off, the insurance makes your payments ''. Nothing could be further from the truth. I am now 3 months behind in payments, they are threatening to take my vehicle and the insurance still has not settled. I do not understand how they can expect me to continue to make payments when I am out of work and I did purchase the insurance to cover this type of occurrence. I have received 4 to 5 calls per day, my relatives have been called ( this is none of their concern ), and I have continued to receive threatening letters stating that my vehicle will be taken away.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01 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: CITIBANK, N.A.
State: KY

Complaint narrative:
continues to call me ... .my job ... and my family to collect a debt. I have told her not to call my place of employment and she continues to do so and speaks to my employer and family about my account and asks if they have other contact information for me ... .this happens 3-5 times a day ... and when I have spoken to her she threatens wage garnishment and harasses me about my situation ... I 'm done!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello I received an unexpected letter saying I owe XXXX XXXX XXXX and I want to file a FRAUD report. Someone used my name and information and false charges etc. I 've never owned a credit card since 2007 and got all my debts paid off under XXXX XXXX XXXX. Now this letter proves that someone is using my information and applied credit without my authorization. The XXXX account # XXXX and my name is XXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXThe best way to email me is : XXXXXXXXXXXX or call through an interpreter that is already jointed XXXXPlease advise how to handle this serious matter. This is XXXX worth of charges. Where are the charges being made from? If it 's from another state then clearly you know that is not from me! 

Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I filed a Chapter XXXX Bankruptcy on XXXX XXXX, XXXX which was subsequently discharged on on XXXX XXXX XXXX. Citimortgage possessed a junior lien, {$72000.00}, on my property that was subsequently stripped by the Chapter XXXX Bankruptcy Judge on XXXX XXXX, XXXX due to the property being upside down. The last payment on this account posted on XXXX/XXXX/XXXX. Throughout this ordeal, Citibank Bankruptcy reGoing further, Citibank accepted a payment in error of {$380.00} and was subsequently ordered to refund the payment as it was sent to the in error by the Chapter XXXX Trustee. This payment was credited as a returned payment on XXXX/XXXX/XXXX. Citimortage never received a payment after this date and per the order from the bankruptcy judge, their lien was removed from the property as the property was upside down in value. Citibank has reported the wrong amount owed as well as the last payment made to the XXXX major credit bureaus in an attempt to re-age the account. I have reached out to this company numerous times. They have refused to update their records. They are in fact violating the law as their claim was stripped and reporting the total amount of the debt to be approximately XXXX dollars which is inaccurate.

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 2015-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have already written to you to dispute with Citi Bank, but they are not listening! They turned around with a ridiculous response and unless they fix this, I will sue over errors and misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
City bank claims that I owe {$1600.00} on a XXXX Credit Card ending in XXXX. 
I have never received this card, I have not validated or registered it, OR used it by their own records.. 
Repeated attempts to find out where the charge was generated has failed. I have chosen to pay the card off, but I am sure they will attempt to extort more money from me in the future. 
I do have an active City Bank Card ending in # XXXX which is paid off monthly.

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 2015-08-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank Lost my checking account and statements. I need 2 years XXXX XXXX ) of monthly statements and they assert the checking account does not exist and they can not find the account. this could result in a potential {$20000.00} tax liability XXXX and need to amend my tax returns but without that information I can not deduct my XXXX expenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-17 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank guaranteed an annual fee refund when I downgraded my Citi ThankYou Premier card ( which carries a {$95.00} annual fee ) to a Citi ThankYou preferred card ( which carries no annual fee ). Despite several attempts to contact, and request my refund, they refuse to respond.

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 2016-02-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been in repayment of my student loan for almost 4 years now. Over this time period there have been many occasions in which I made payment but still received collection calls. After the first call I resolved the issue ( or so I thought ) but still receive repeated calls with the explanation that they ca n't stop calling until they resolve the problem. I receive calls every few hours with no end even after wasting hours in the beginning sorting out the issue. I believe the only purpose of the calls is so they can have a record that they attempted to collect the debt, not to actually help resolve the problem. I understand mistakes are made but this has happened multiple times without any apology or attempt to resolve the issue. If the error is the fault of the company I should never receive another follow up call if it 's taking them time to resolve. There was one situation in particular that I had to deal with a month of harassing calls every few hours daily because Citibank deposited my payment into the wrong account and they were unable to resolve the problem expeditiously or take me off the call list.

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 2015-12-28 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a credit card account with Macy 's and waited for my 1st bill, it was delivered in XXXX 2015, quite late with little notice. It was due within two days, so I called the number for payments and made a payment in full for XXXX for my XXXX purchase. I got a confirmation number of XXXX. Today, XXXX/XXXX/2015, I received a call saying they never received my payment and I am 2 months late. She says they have been mailing notification but I have not received anything. The bill is reported as late and in collections and they are charging me fees on top of this. They are using an address in SC. I have called this morning 4 times and am still on hold this is because they are busy??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Over six months ago a fraudulent charge was made on macy 's XXXX card. It was for {$75.00} at XXXX # XXXX in XXXX PA on XXXX XXXX, 2015 according to the statement I was sent in XXXX of 2015. I called immediately upon receiving the statement as I do not use the card. The card has never left my possession or even my home in over a year and I had n't used it. I filled out the fraud affidavit and spoke to multiple agents regarding the fraud and they sent me XXXX letter confirming my " inquiry '' on XXXX XXXX 2015. They closed the card and sent me a new card and the balanced transferred the {$75.00} disputed charge on to the new card along with a late fee and interest charges. I called again and they stated they were working on it and that it could take time. Then they sent another bill each month since XXXX adding late fees to the disputed amount and interest charges. Each month I called and they are working on it and told me not to worry about the bills. They lowered my credit limit and the most recent bill is for XXXX. I have called multiple times and talked to people in the fraud department and now when I call they only will put me through to their collections department as they state my account it past due. I never made the original charge and I do not owe this money. I told them I no longer wanted to due business with them because I have never been treated so bad by anyone and they stated that they could not close my account because I owed money. I do not owe any money and the fraudulent charge should have been cleared months ago. I am also worried that they are reporting this to my credit bureau and they could not answer me when I asked that question. I want to resolve this without legal action so I do n't have to incur even more money due to the fraud.

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 2016-09-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Was charged a Late charge that was not my fault. Tried to make payment online, would not take my payment. Tried to call that day. Had to wait 45 min hung up. tried to call next day, die day, compnt said all agents were busy call back later. Called day and was late. Not Fair. I tried for two days to get them there 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 2016-04-13 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: WA

Complaint narrative:
I signed on for a private student loan with Citi Bank with my parent as a cosigner. My parents declared bankruptcy but did not include the loan in the bankruptcy as part of what would be paid. I am now unable to make payments on the loan or even receive any other information on the loan aside from the balance and from my understanding it will go into default after the bankruptcy ends. 

The only information I 've been able to gather from the loan is the balance, that it exists and that it is in " bankruptcy deferred default ''. The interest rate ( or historic interest rate ), or any other information other than the balance has been refused upon calling customer service. I was told I could make payments on the loan, but no proof of payment would be provided. 

I would like to find a way to avoid this default, as I have no history of missing payments on any loans and I have every intention of paying the loan back. Either to start paying immediately to keep the loan out of default, for my cosigner to be removed from the loan, or the loan to be put in a status where I can get a consolidation loan from another lender. 

I realize that bankruptcy laws prevent most of this information from being disclosed, but I would like to get this loan into good standing and continue paying.

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 2016-02-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: FIDELITY CAPITAL HOLDINGS, INC
State: AL

Complaint narrative:
I received a letter dated XXXX XXXX, XXXX from Fidelity Information Corporation for a an outstanding balance to a XXXX that I do now owe. I responded via certified letter mailed on XXXX XXXX. XXXX disputing this balance and requested verification documents. The certified letter was signed for on XXXX XXXX, XXXX. I specified in the letter that I wanted written response. I have not received any written or oral communication with this debt collector until XXXX XXXX, XXXX at XXXX. The agent said she was with Fidelity Debt Collection and was attempting to collect a debt. I told her I had an open dispute and that I mailed a certified letter back in XXXX. She said she had no record of that letter and that it was impossible since they just received the account in XXXX. I then read her the letter that I received from Fidelity Information Corporation and the date. I also told her of the certified letter I sent. She said that was a different company and the XXXX companies had since merged. I told her that was not my problem, since I still have never received any materials and that I also requested to only be contacted in writing. She eventually hung up on me. I called back attempting to sort the matter out, they asked for verification of my SSN and I told them no, as there would be no way they would have my SSN relating to this balance as there was never a contract or documentation with my SSN or DOB. I told the agent that if she verified she had my SSN that I would verify the last XXXX digits, she then verified that she did not have either pieces of information. I then spoke to a XXXX XXXX that informed me that they would come after me with this debt and that the letter I sent meant nothing since it was with another company. I then told him to not communicate with me except in writing and that I would be contacting my attorney regarding this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I had an " interest free '' deal with Home Depot to have a new roof installed. Total cost {$14000.00}. I was down to a balance of {$1100.00} and was continuing to pay the minimum each month as well as interim principal payments. On my XXXX statement I see that HD billed me {$1600.00} in deferred interest since the complete loan as not paid by the end of XXXX. In essence, I was billed {$1600.00} on a balance of {$1100.00}. I call customer service and they claim " this was clear '' in my monthly statement. My understanding from HD salesperson was loan was interest free through XXXX of 2015. Never made clear that if there was {$1.00} of principal outstanding HD would go back and retroactively apply 22 % interest. This is outrageous and abusive. I am XXXX years old and feel that I have been taken advantage of by this huge corporation. Help please

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
In XX/XX/2016, Chrysler Capital repossessed our vehicle. They said we needed to pay {$1900.00} to bring it current and get our vehicle back. We borrowed the money to get caught up and we are still paying on it. They said another payment would be due on the XXXX, but once we paid up, they would be able to put that payment at the end of the loan. We paid that amount on XX/XX/XXXX and got our vehicle back. Once they processed the money, they said they could n't do anything because the loan had defaulted. So we were back to being a month behind immediately. We started getting phone calls about the payment and for the next 9 months, we 'd get phone calls about being behind a month. We 'd set up a payment to be taken out and it would get paid. Last month, they said that they sent the account to repossession and the only way I could stop it was to set up XXXX payments. They accused me of being 3 months behind at this point. The first payment came out, but I stopped the second payment and told them I was disputing the amount I was behind on XX/XX/XXXX. She took my information. On XX/XX/XXXX, I received a message to call Chrysler Capital. I called back the next day. He asked when i was going to be able to pay. I told him that I had filed a dispute about that amount. He told me that they determined I was wrong and the amount was right. I told him I needed to talk to someone about that because my records indicate something different. I received a message from a woman at Chrysler Capital late on XX/XX/XXXX but could n't return the call. Early on XX/XX/XXXX, the same woman called back and left a message. I could not make out her name either time. I was busy and could n't return the call right away. I was planning on calling back in a little while. Instead, 5 minutes later, I get a call from my XXXX mother that this woman left a message for her, looking for me. My mother was very upset. There was no need to call her since I had just spoken to them 5 days earlier. And she had JUST left a message for me to call back and did n't give me a chance to return her call.

Company response to consumer: Closed with explanation