vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
AFNI , INC . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/2016 XXXX, IL XXXX PHONE : XXXX FAX : Fax : ( XXXX ) XXXX 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 notify XXXX 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 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 : AFNI, INC. 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 XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank
State: LA

Complaint narrative:
my credit was used due to fraud they report I went over my balance to the credit bureau. they closed the fraud card but opened a new account its now showing XXXX cards on my credit report because I was late XX/XX/2014 it showing as XXXX cards late instead of just XXXX card late because its the same account. I need they to report correctly to the credit I was NOT over the limit now was I late on XXXX accounts. they did reserve the charges but but are not correcting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander USA is the orginal creditor for this acccount. THIS Is THE XXXX Debt Debt Collection Agency that has reported this information on my report. They have stated this account was opened XX/XX/2016, which is incorrect. According to XXXX you can not place this on my report when the statue of limitations have passed, by reinsert.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I do n't have any credit cards and a lot of student debt so, my credit score is not very high. My job is an hour drive from my home so I needed a reliable vehicle. My interest rate was 21 %. 

I financed a vehicle for {$14000.00} in XX/XX/2012 with Santander Consumer USA. Currently I have paid them {$19000.00}. I have had some late payments which I understand can cause fees. I was looking to trade my car in because I am now driving a XXXX with XXXX miles to and from work for 2 hours every day and I have a small child who I would rather have in a more reliable vehicle. Checking the balances, I see my payoff balance is now {$13000.00}. This means over the past almost 4 years I have paid roughly {$1600.00} towards the principle out of the almost {$20000.00} I have paid towards the loan. If I pay this debt off according to their calculations, I will pay {$32000.00} for this car. There are numerous convenience and miscellaneous fees showing on my account. 

With the interest rate given, and the amount financed, I should pay a total of {$22000.00} on this loan, currently leaving me a balance of {$3400.00} NOT {$13000.00}. I have been changed and extra {$10000.00} in miscellaneous, convenience and late fees. While already paying an outrageous interest rate this company is taking advantage of people trying to build credit, then also hiding and deceiving. I was told by Santander my options were to pay the $ XXXX dollars to own the vehicle or to have it repossessed, they would sell it and then I would still owe for the remainder of the balance they would not get from the sale of the vehicle, further destroying my credit. The people I have spoken to are unknowledgeable and often say the same thing which tends me to believe everything they same is scripted. If I am late on a payment, they call me roughly once an hour while at work. 

What I want is to pay {$3400.00} to pay off and own this vehicle. That would be in alignment with my current loan and honestly that is still unfair, but is what I originally agreed to. I want Santander to remove all the errors on my account and all of the miscellaneous and convenience fees I was never aware were being charged. If this does not happen I am prepared to speak further to legal council about the laws they feel Santander has already broken. Thank you for your time and help in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
After receiving Citibank offer in mail in XXXX, about applying for Citi XXXX account and performing XXXX bill pay in each of XXXX consecutive months I would get XXXX ThankYou points, I thought that that 's a great offer and I opened new account with Citi. Right after they approved me for new account, I contacted Citi via their secure message system to verify if offer noted on my account, I received confirmation of that ( XXXX ). I completed requirements in XXXX, and made an inquiry about my bonus in XXXX XXXX XXXX XXXX, but was told that I need to wait 3 months for that. Next inquiry was in XXXX ( XXXX ) when I was told that I will be getting my bonus in the beginning of XXXX. After my last inquiry in XXXX, I received letter that I 'm not eligible for promotion, and not getting my bonus.

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 2015-08-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITIBANK N.A . is the banking institution for the retail SEARS card ( ending in XXXX ) in regards to my complaint. I already received a cancellation of debt form ( XXXX ) for the TAX YEAR 2012 which I 'm submitting with this email. The problem is that is is still showing on my XXXX Credit Report as STILL OUTSTANDING / UNPAID. Besides being time barred ( XXXX+ ) years in California being that the statue of limitations has expired with the ability to collect legally, a XXXX tax form for the year 2012 was paid on my behalf as well as a letter from CITIBANK N.A showing this debt was cancelled. 

Conclusion : Continuous calls to CBNA to remove this negative debt have all but failed. I 'm asking you to review and or call CBNA at the numbers listed below to make them remove this CITIBANK N.A amount of {$5200.00} from my XXXX Credit Report and or other credit reporting agencies and to issue me a document / letter confirming that this debt is no longer due and has been forgiven as stated in the XXXX 2012 tax form that was submitted to me as well. 

CITIBANK N.A . 
REGARDING ORIGIONAL ACCOUNT # XXXXXXXXADDRESS : XXXX, NY. XXXX ( XXXX ) XXXXXXXXNote : THE LAST ( XXXX numbers on my SS # XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.

Complaint narrative:
I do a payment plan with the collection fot the credit card of citibank and then when i paid for one year they want the all amount and in this time i not have the all money to paid. I opened the account in XXXX not in to XXXX. According by law it 7 years in the credit record and i past the 7 years. The same think of bank i moving to XXXX and i closed the accoubt by 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 2016-10-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I was sent a bill by this company, that I knew I did not owe. It was for an ambulance bill, that I know was finally paid by both Insurance companies after awhile. 

Continued threats and arrest if we did not pay when we had already supplied proof of payment by insurance. Would not let up and reported on my Credit reports as a negative. 

I had to finally sue in Federal Court in XXXX XXXX, and received a default judgement because the collection company never answered any correspondence from my attorney 's or from the Court. 

Now unable to collect judgement since they hide behind closed locked doors and say they have never been served with court documents.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The following items were non receipt/unauthorized, though given sufficient evidence and back up, I am still being held for the following charges : Transaction Amount : {$4300.00} Dispute Amount : $ XXXXMerchant/Description : XXXX Dispute ID : XXXX Amount : {$2200.00} Dispute Amount : $ XXXXMerchant/Description : XXXX XXXX XXXX Dispute ID XXXXTransaction Amount : {$4900.00} Dispute Amount : $ XXXXMerchant/Description : XXXX XXXX Dispute ID : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Paypal Credit is requesting a high minimum payment well over XXXX, I do not have the exact amount available, however, I know its over XXXX. I understand the account is past due, however, this amount far exceeds my weekly paycheck. Ive attempted to request this amount lowered, however, calls are transfered over to collections and reps will not lower amount. This is highly unfortunate as it is in the best interest to cooperate if they wish to see any kind of payment ( s ) at all. Please advise them I can not pay such a high amount, it will have to be lowered. Contrary to what they claim, attempts were made via phone to lower payment amount, they state they have no record of any such calls. Not every single call is documented, this is no surprise, however, they like to claim otherwise. They are more interested in making payment arrangements than actually lowering amount, arrangements are just to get some payment made but do not offset any charges, fees, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RCS Recovery Services, LLC
State: TX

Complaint narrative:
RCS Recovery Services LLC is reporting an account that is past the FCRA retention time associated with the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank has not credited the new account bonus as promised. I deposited $ XXXX for a new account on XX/XX/XXXX and should have received the {$400.00} bonus by XX/XX/XXXX. 
Till date XX/XX/XXXX bonus not deposited. They keep on doing investigation but not depositing the money. On first investigation they confirmed that account has met ALL conditions and will get the money by XX/XX/XXXX. When money was not deposited they did another investigation and then they gave a separate reason ( XXXX compliant ) for why the bonus was not credited. This NEW CONDITION was not mentioned in first investigation. Then on XX/XX/XXXX the account became XXXX compliant but till date no money has been deposited. On XX/XX/XXXX they started a XXXX investigation and are now saying that it will take till XX/XX/XXXX for investigation to complete. Citibank has delayed they deposit of {$400.00} intentionally. Money should have been deposited by XX/XX/XXXX.

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 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Letter sent to me pertaining to my DEAD husband 's account. My husband died on XXXX XXXX, 1991 ( almost XXXX yrs. ago ). I believe the account was paid off, but I might be wrong. But I do believe there is a statue of limitations with debt collections. I would consider XXXX yrs. within that limit. Also, it was sent to my current address that has never been associated with my dead husband at all. I am not listed on this account at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
We initially had a mortgage with XXXX XXXX, every year in XXXX, they would begin harassing us for a lump sum payment, normally over {$3000.00}, regardless if our payments were up to date, or XXXX behind, then after 7 years of this, they sold our loan to another company, XXXX XXXX, and they did the same thing in the fall of last year. They only owned our loan for a few months. Now ANOTHER company bought our loan, Select Portfolio, they are now harassing us. Calling XXXX times a day, leaving numerous voice mails, coming by my house, etc. I have called back and ca n't ever get the lady that keeps calling me. I try to work full time, my husband does, also, we have XXXX children, and my mother is in and out of the hospital. I have requested numerous times a modification, but noting ever comes of it. They just make more demands. I need someone to help us, and actually listen to us, because I am afraid other have the same issue. The original company, I am sure it is in our original contract, that they could n't sell our loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Hello, XX/XX/2015 I signed up for the Citi Gold checking account to receive XXXX miles though XXXX. The requirments were, Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/15. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank XXXX XXXX which must be posted to the new checking account. 
And 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 
I met all the requirement and Citi confirmed I would receive my XXXX points by XXXX. I have tried contacting Citi several times about this issue with no feedback or resolution. I am also being charged {$30.00} a month for my checking account to stay open.

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 2016-03-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
For spending {$4300.00} on appliances with a new best buy credit card I earned {$430.00} in rewards. Best buy has sent increments with different expiration dates sporadically, totaling {$330.00}. Now they claim they have no records of the remaining {$100.00} balance. I would have to provide a invoice of the purchase dating back to XXXX XXXX 2015. I have moved since and everything is packed in a box under storage. Best buy is trying all efforts to not pay me what is owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Please refer to your compliant number XXXX concerning, among other offenses, harassing robocalls asking for the card holder to establish an automatic charge to our bank account. All facts described in that complaint remain the same. CITI has developed some method for circumventing the call lock on their number. The credit card account was never activated therefore and the balance consists of disputed transactions and accrued interest which were reported to CITI on XXXX/XXXX/16 as soon as the transaction were discovered. The balance is not a legal debt and the account was never accepted or established by the named card holder. Therefore, there exists no legal basis for the debt and thus no basis for the harassing calls. In addition, circumventing our call blocking system demonstrates a pattern of harassment. PLEASE CORRECT THE LAST XXXX OF THE SSN ON THE ORIGINAL COMPLIANT. IT SHOULD BE XXXX INSTEAD OF XXXX.

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 2016-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
" XXXX '' employee XXXX of Sears ( my phone however indicated that the call was from " Citi '' ) called one business day after another such caller called probing in the same way about a non existent debtor in my home. Both were told that they did not have the debtor they sought. XXXX asked if I denied a relationship with the debtor despite my comment that on my belief and information the debtor lived in XXXX, not XXXX. I also informed her that I was born XX/XX/XXXX. She promised, as did the caller the week before ( Friday ) not to call again. The phone number XXXX dialed from read out XXXX XXXX XXXX

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 2016-03-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened a Citigold checking account with Citibank on XX/XX/2015. The account came with an opening promo : XXXX American miles to be awarded within 90 days after I completed the requirements for the promotion. The promo code was XXXX. I completed the requirements for the promo on XXXX, which was confirmed in writing by XXXX separate Citi customer service reps. Well over 90 days has passed, and I have not received my promotion award. I called Citi and simply got shuttled around within their help system

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 2015-11-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Health Services Asset Management, LLC.
State: WA

Complaint narrative:
We are inquiring about treatment received from XXXX XXXX XXXX on or about XXXX XXXX, 2011. XXXX sent an unpaid bill to a collection agency, Health Services Asset Management for collection, despite us having verification issues with the debt. 

Health Services Asset Management is telling us they no longer have the itemized statement from the creditor, and can not prove the details of the debt. They can only prove this debt is owed because a dollar amount was turned over by the original creditor. 

We need proof of this debt. We had XXXX insurance companies, so there should not be as large of a balance, especially since the doctor providing service was an in network doctor on both plans, and our deductible had been met. We can not validate this bill based on the information Health Services Asset Management is giving us. 

They have placed this item on our credit reports, and we stand to lose over {$7500.00} in earnest money on a house because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account at Home Depot which was administered by Citibank. In the interim, I became victem of fraud and fell behind on payments and could not pay the account. Sometime in XXXX, 2010, I was contacted by a representative from Citibank offering to settle the account for {$430.00}. The payments were to be made once a month on the XXXX of each month. I made three payments ( {$140.00}, {$140.00}, {$140.00} ) as per their instructions and agreement and the account would be settled. These were sent to Citibank directly via XXXX. Instead of Citibank settling the account they sold it to another collection agency. I contacted Citibank and they said they could not do anything for me. To this day, my credit is ruined and the collection agency will not take it out of the credit bureau. I contacted the new collection agency and they refuse to take it out of the credit bureau without paying them money, even though I sent all the information and explained everything to them.

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