vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I applied for a mortgage from Amerisave XX/XX/2012 and paid their fees to secure the rate and term. I was baited and switched and never received the loan. This was a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 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: GA

Complaint narrative:
I have never received any letter from Nationwide Recovery Service stating that I have a medical debt. They have never called me. They have never emailed me. My doctor 's office has never called me regarding a bill not being paid. I absolutely DO NOT have a contract with Nationwide Recovery Service. I have asked for verification of contract and I have not received any response at all. I am disputing this debt to the fullest extent of the law. They have also added it in my credit report and are causing all 3 of my credit reports to go down significantly. This is a violation of the fair credit report act and HIPAA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mutual Management Services LLC
State: NC

Complaint narrative:
I am requesting that this claim be removed from my credit report. 
I never received documentation on this claim from Mutual Management. I have XXXX debt collection agencies requiring payment for the same claim originally made in 2010 and sold to Mutual Management SR by XXXX XXXX XXXX of Alabama. I have verified over the phone with both debt collection agencies that the claims are from XXXX XXXX XXXX and for the SAME CLAIM originally made by XXXX XXXX XXXX. In order to verify this in documentation I have pursued Mutual Management SR seeking documentation on the claim. These are the steps I have taken with Mutual Management SR : 1. I have not received any documentation on the claim from Mutual Management SR, they are required to send me documentation of the details of the claim made. 
2. I called Mutual Management SR home office and spoke to a representative requesting documentation of their claim, verifying my current address. No documentation was sent to me. 
3. I sent a letter ( attached below ) requesting documentation of claim XXXX within 30 days requiring they remove the claim from my credit report if not received. No documentation was sent to me. 
4. After 30 days of the first letter I sent a second letter ( attached below ) again requesting documentation on claim XXXX or to remove the claim from my report. No documentation was sent to me. 
5. I contacted XXXX XXXX XXXX over the phone and spoke to a representative requesting documentation, I also informed them that another debt collection agency was seeking payment for the same claim and they needed to be contacted. Again no documentation of claim XXXX was ever sent to me. 

The original claim made by XXXX XXXX XXXX in 2010 was that I had not given them proper notice to end my lease ( 60 days ). I gave them a 30 day notice before my lease agreement ended for job transfer to another state. I forfeited my deposit to them for this reason and they still attempted to require of me moneys even though the deposit would cover the extra 30 days rent. I never agreed to their pursuit of extra rent money and thus they sold the claim to XXXX different collection agencies. I have never agreed to this collection claim. 
The original claim made by XXXX XXXX was erroneous and XXXX XXXX XXXX was required to send me documentation of this claim and never did so. Please remove this claim from my report. 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
Consumer complaint received 2016-10-17 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: GA

Complaint narrative:
I have contacted Nationwide Recovery Service on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 formally requesting that they validate the account that they have listed under my social security number which they are reporting to the credit agency with documents bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. Yet they have failed me in their non-compliance of the federal laws under the Fair Debt Collections Practices Act. They continue to send me bills with another patients name and information and have failed to validate their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Columbia Collectors Inc
State: WA

Complaint narrative:
They levied my bank account, without notice. Took monies from my account an my XXXX old son 's account that is attached to my name due to he is a minor. I had payment plans of {$75.00} a month, they said when I called after attacking my bank account an my son 's that they had a problem deducting the {$75.00} which I find interesting considering they just depleting my accounts. They did n't notify me of this issue an stated my mom answered my phone and that it was n't my number anymore but did n't leave a message with her or my voice mail of the issue of taking {$75.00}. They financially devastated me, no monies to feed my kids, gas to go to work, caused checks written prior to funds being taking to bounce like my kids school pictures. I had to tell my son who worked hard all summer to have his own monie that this company took his money. They would n't stop the payment, I said " I had no problems making the {$75.00} '' XXXX XXXX stated at Columbia collections, " I had no problems with that payment either. '' I said I wanted to continue making payments, he stated I had to call him by XX/XX/XXXX. with a plan, I asked what plan, he said a plan or they would do it again. I stated I wanted to continue the payment plan, he stated again to call him by XX/XX/XXXX. They couldn ; 't of had a problem taking the {$75.00} a month. They had access to wipe me out!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: AMA Advisors, LLC.
State: VA

Complaint narrative:
Despite previous requests that mortgage servicer not contact me at work and the mortgage servicer having my personal phone number, Homebridge Financial Services has continued to contact me at work including leaving a voice message in my employer 's general voicemail.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
I paid this bill the day I received it. I have continued to receive the same bill even after providing a copy of the cancelled check XXXX.XXXX told me repeatedly I had XXXX options to either fax or email the canceled check even after I told her I could not do either. XXXX supervisor after the XXXX Bill finally gave me a mailing address.After calling Patient relations at the XXXX XXXX XXXX Center I was told I should be contacting XXXX XXXX XXXX hospital. I do not understand why they did n't tell me this sooner I was instructed by XXXX XXXX to mail the copy of the cancelled check to her. Even with continued communication documenting with XXXX XXXX XXXX XXXX and XXXX XXXX Hospital that the bill was paid they sent a delinquency notification from Harris and Harris Ltd collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Finance of America Mortgage LLC
State: VA

Complaint narrative:
Per the attached agreement I was to get XXXX on branch production plus XXXX XXXXXXXX on my personal production or I would of just given all the loans away and done no personal so I did personal loans and they said since I signed this I dont get paid on personal but yet they changed by bonus structure a week later to include personal - they owe me about XXXX dollars - didnt pay me at all on a XXXX XXXX loan

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citibank closed my account without notice or reason, citing they may do so at any per the cardmember agreement. I paid a {$350.00} annual fee to use this card account. I should receive a prorated annual fee for the unused portion of this cardmember year.

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 2016-05-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My deceased husband had a Sears credit card, and I was an authorized signer. My husband passed away, and I declared bankruptcy. My bankruptcy was discharged by the court. Citibank/Sears continues to report the debt to XXXX and XXXX XXXX. My husband did not have any assets. Citibank has no legal grounds to collect this debt.

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 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I signed up for a Citigold checking account with the promotion of XXXX XXXX XXXX points after you spent {$1000.00} on the debt card and completed a online bill pay for XXXX consecutive months. 

I completed all requirements and had a representative from Citi confirm this via online chat that the points would be credited no later then XXXX/XXXX/16 " I have attached the conversation ''. 

I have reached out to Citi and they informed me a case/investigation would be opened and I would receive a response in XXXX business days. I have yet to receive any communication regarding this and it has been much longer then XXXX business days, at least XXXX weeks.

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 2015-10-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a Citi XXXX XXXX Credit Card with the promotional terms of XXXX XXXX points after spending {$2000.00}. Citi now refuses to honor the promotion stating that I have had another card opened in the prior 18 months. However, there is no disclaimer on the application or in the fine print that states this exclusion. Simple case of bait and switch. I have a copy of the application with the promotional terms and the disclaimers as proof.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I sent XXXX XXXX XXXX a certified letter on XX/XX/2016 and requested proof that the debt and the account was mine ( signature, etc. per law ) I received a response saying that could not provide proof, as the account was opened online and that they would not be responding to anymore 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 explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My complain is with citi bank, my account went overdraft on XX/XX/2017 for the amount of {$120.00}. XXXX transactions was present that day. XXXX for {$220.00} and the XXXX for {$370.00}. I rush and did a deposit for {$900.00} which bring my account to a positive balance of {$770.00}. ( I have the record ) by XX/XX/2017 my account still with the same balance {$770.00}, no changed on the account, until the next day the XXXX, I checked my account and I was charged for an overdraft fee of {$34.00} and the transaction for {$370.00} check was return on the XXXX. My concern is, if I have sufficient fund to cover my transaction, meaning my deposit was made on the XXXX ( cash deposit ) why my transaction was not cover. I understand they might charged the {$34.00} fee because at the moment when the check went thru it was not enough funds, nevertheless, it was not the case : the fund was more than enough went the check was returned which it was on the XXXX. Please I would like to get attention on this matter is not the first time similar situation like this happen. I also file an internal complain with the company. Reference no. 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 2016-01-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi Bank has determined that my account is over their credit line of {$75000.00} when my total charges are {$59000.00}. I made a payment of {$36000.00} on XXXX nand they put a hold on that payment and treated it as a charge resulting in a {$95000.00} balance. This is wrong. I talked to XXXX people yesterday and am currently on hold now over 15 minutes. I mentioned your agency and that woke them up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
I was attempting to set up an online account so that I could make an extra payment before the end of the billing cycle and was prevented from doing so because of a security word. I called and Citi kept attempting to ask about the same security word set up decades before. We have had the account since 1985. I have no idea what the security word was, nor should it matter. There are alternate ways of understanding that I am the account owner. So now, I ca n't avoid about {$100.00} in finance charges. Thank you Citi!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am a XXXX. I submitted a loan modification package to a lender on XXXX XXXX, 2016. The file is in the bankruptcy department. I had an attorney to write a letter authorizing the lender to be able to speak to the debtor and myself in order to assist with the application. The lender rejected the first letter that was sent XXXX/XXXX/16 stating that the attorney wrote Ladies and Gentlemen instead of " Dear Lender '' and they had to specifically say " I give " Lender '' permission to speak to the debtor. I followed up today and now they are saying it is being rejected because the attorney put they could speak directly to debtor or my company. They want the attorney to write another letter stating it is ok to speak directly to the debtor and not include my company. And in order for them to speak to me I have to send in a TPA from the debtor with their signature. I faxed over 2 different TPA 's originally when the first package was faxed over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank Visa credit card and I assume most credit cards charge late fees and what is already an obscenely high interest rate. It 's unconscionable that both are permitted by law. If a credit issuer is permitted to stuff fees into terms and conditions, at which point does " standard '' terms become worse that loan sharks? These so called regulated industries are no better - 16 % plus in interest charges. How is it a credit card is able to charge a flat {$25.00} on late charges regardless of the balance owing? And each month add another {$25.00}? Plus able to charge interest on the outstanding balance? 

For a balance of {$110.00}, in two months I had {$3.00} in interest charges ( yes that 's about 16 % annualized, to an institution that pays currently 0 % ), and also {$62.00} in late fees, which amounts to 338 % annualized. How is it that credit cards are able to charge both late fees and interest? It 's either interest or late fees. And how is it that regardless of the balance the fees do n't change? Whether is {$110.00} or {$10000.00}? 

Clearly these are predatory fees and serve no purpose other than to gouge the lower income, lower balance consumers. I would like to launch a credit card service which charges low interest rates, maximum balance and no fees, how would I do that? Not easily because the regulatory frameworks protect large financial institutions from competition, and in this example are clearly not protecting consumers from predatory practices.

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 2016-06-30 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had an XXXX XXXX " True Earnings '' card offered through Costco. As part of the XXXX XXXX and Costco " Rewards '' program, I was sent XX/XX/XXXX a " Cash Back Rebate '' to be applied towards any future Costco purchases. I lost the rebate voucher. I called XXXX XX/XX/XXXX and was assured that they would credit this towards my bill. They did not. Account balances were transferred to new acquiring company CITI Visa. They did not receive any such notice of voucher and directed me back to XXXX. XXXX refuses to discuss this, stating that as of XXXX XXXX accounts were transferred to CITI. I called back CITI. Their records revealed although yes, XXXX approved per phone call with me to approve credit, later on a supervisor declined the transfer. 
I have since made several return calls to both XXXX and CITI and each company says it is the other company 's responsibility to address this issue.

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 2015-04-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am a XXXX year old student and a victim of a scam. Responding to myposting in XXXX a XXXX company relocating to XXXX contact-ed me with an XXXX position All communications tookplace by email and XXXX of them notified me that I was going to receivea cashiers check with which to open a checking account on my namewith {$4700.00}, and after leaving {$200.00} in the account for office suppliesI had to deposit the rest in a specific account at the XXXX XXXX XXXX XXXX 
I emailed the company photos of all transactions and was waiting tomeet my future boss on XXXX XXXX. The next call to the company wasin vain. They had vanished. On my mother 's advice I contacted theCitibank branch manager and the local police in order to protect myselfand others. I was shocked to learn that this was an old scam and thatI would face civil charges if not criminal ones.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had received several cash advances from my credit card company - Citibank. For each {$5000.00} cash advance withdrawal, I was charged ~ {$350.00} from the cash advance company for the transaction, plus ~ {$280.00} from my credit card company Citibank for transaction fee, plus ~ {$70.00} interest from my credit card company as well, even though my account had a negative balance where I overpaid my account. This came to a grand total of ~XXXX %. This is way excessive, given the amount of money, for each instance ( XXXX ). When I asked my credit card company Citibank for a refund of my fees, they said that I could not negotiate a better rate till after being a customer for 6 months. When I told them that my account had a negative balance where they owed me money, they said, interest is charged on the amount, regardless if my account is negative. This is starting to sound like a new XXXX XXXX Scam.

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 2015-04-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was approached by XXXX at Home Depot, Store # XXXX, XXXX XXXX XXXX, NY XXXX, to open a credit card account. Heopened an account and told me no interest for 6 monthson purchaes for {$290.00}. So I bought a small refigerator formore than {$290.00} on XX/XX/XXXX. I made min. payments on time. But in XX/XX/XXXX theybut they added interest from XX/XX/XXXX, despite what XXXX, their employee, told clearly that interest would accrue aftersix months. So this is totally wrong and has to be correctd by Home Depot.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation