vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ZENCO COLLECTION, LLC
State: NJ

Complaint narrative:
On XXXX, I was contacted by phone by XXXX XXXX ( XXXX ) from Zenco Collections regarding a debt from XX/XX/XXXX with XXXX. I explained that the debt was not valid as I had returned the merchandise in XXXX and that the debt in question was from 19 years ago. I was informed that the debt was not closed out by XXXX until XX/XX/XXXX and Zenco had until XX/XX/XXXX to collect on this debt. They informed me that if I did not pay a {$250.00} settlement on a {$480.00} debt that could sue me and I could end up paying up to {$4000.00} instead. They were attempting to mislead me that the debt is newer than it is by stating that I 'm responsible for the time between when the lender closed the debt and the end of the statute of limitations, and that the statute of limitations was at least a year longer than it is in the state of NJ, and that I can be sued by them for this debt which dates back to XX/XX/XXXX and no payments have been made since that time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have had a credit card with citi bank since 1989 in the past their customer service was excellent and I never had a problem with them. Over the years I have heard numerous stories about difficulty with citi bank yet I continued with them. Over the past two years I have had nothing but difficulty with this company. Promising lower interest rates if I called back and requested at a specific time only to be denied. Cancelled cards ... increasing limits on cards I did not want increased and lowering limits on cards that I needed increased. They recently acquired the XXXX account from Costco they lowered the account credit limit and would only increase it if I agreed to a credit check ... yet at the same time increased a credit limit on another card by XXXX more than what I was requesting. When the account was transferred I had accrued a rebate of approx XXXX dollars. Due to the ensuing difficulty with Citi bank I cancelled this card and have paid off the balance. Now they are refusing to pay the rebate amount as well as charged me XXXX interest. I am requesting the rebate amount be refunded to me as well as the XXXX being removed as payment as the bill was paid in full. Thank you in advance for your assistance with 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 2016-09-01 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
I told them to not contact my husband or myself at work and they did again. They told me and my husband that they will be attaching our wages. The caller also told us we had to call back by XXXX the next day after we made payments or they would take further steps to contact our employers. I made a payment on XXXX/XXXX/16 for {$58.00} and then on XXXX/XXXX/16 the called my husband at work and told him he had to make a payment, which he did make another payment. Then the guy told him if he did not call back by noon that he would start proceeding 's against us to attach our wages. We made 2 payments in 8 days and he still harasses us. He calls several times a day and does not leave a voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I made an online purchase XX/XX/XXXX and XX/XX/XXXX with my Macy 's American Express Card. I had been enrolled in auto pay so I thought nothing of this when I did not receive a statement for the purchases, believing they had been automatically deducted from my checking account. I received a call from a credit agency on XX/XX/XXXX linked to Macy 's. I called Macy 's directly and was informed that I had been charged numerous late fees. They are claiming that I was NOT enrolled in auto pay and that I had signed up for e-statements so no paper statement was sent. After settling this matter with them and coming to an agreement on the amount owed and paying the balance owed in full, I immediately made sure I was enrolled in autopay to avoid future problems. I have come to find out they negatively reported ( account closed for non-payment ) to the XXXX major credit bureaus. This has dropped my credit score from XXXX to XXXX. Not only that but after settling this with them they sent me a PAPER notification in the mail on XX/XX/XXXX and XX/XX/XXXX stating they would still be taking the original {$250.00} balance from my autopay. 
This is deceptive. For nearly six ( 6 ) months, they did not send me ANY notice in the mail about needing payment. They did not call me directly when they clearly had my phone number and address on file. They unfairly charged me off and reported me without notice, and did so BEFORE sending to collections and being given an opportunity to correct the situation. If they can send a paper notice for a payment they can certainly try to reach me for payment before charging me exorbitant fees and effecting my credit rating. 
Also, after settling this debt with them and my account had a XXXX balance they charged me ANOTHER late fee on XX/XX/XXXX and an interest fee on XX/XX/XXXX which were deducted from my autopay. When I called back they agreed to return XXXX {$19.00} late fees and the interest fee. They said the only thing they can do is put a credit on the account. THE ACCOUNT THEY CLOSED AND REPORTED NEGATIVELY. How am I supposed to get the money back from a CLOSED account??? 
Their practices are abusive toward consumers. They made no effort to contact me before negatively impacting my life. To this date I have never received paper, electronic, or telephone notification that my account would be closed and negatively reported. I only discovered this after checking my own credit report. Also, none of the customer service representatives that I spoke to ever mentioned that my account was closed. 
I take great steps to maintain an excellent credit rating, and find it unfair and deceptive that they would wait nearly six months to be contacted by collections, and do so after already closing my account and notifying the credit bureaus without advising 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 monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am not sure which application I need to submit this dispute as I am not the borrower and did not authorize this transaction/account opening but I would like your assistance in obtain feedback from this company as to why they are reporting a charged off and out of date account that has been on my credit files since XXXX? I do not own a account with this company and I wrote to both the company and the credit bureaus in XXXX advising that this account be removed or that I be provided with validation as to the date this account was opened and defaulted upon and provide me with all documentation used to validate balance owed. I have requested this company and the credit bureaus ( XXXX ; XXXX and XXXX ) close out this inaccurate out of date account and update my files accordingly.

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 2016-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Have called Citibank about 2 weeks ago to trace two payments from my account to a third party who claims has not received these payments. I spent more than 30-40 minutes on the first occasion trying to resolve the issue with a phone representative who promised I would receive a notice within 48 hours with the results of the payments trace. When I requested a name, representative id or reference number for our call, the representative could only offer me her first name, but promised me that a record of our call would be logged onto their systems for referral in case the I did not receive the notice promised. More than 2 weeks later no such notice was received. 
I just called again to follow up on this request, speaking to a new representative by the name of XXXX ( she declined to provide me with any other information, including a representative id, or extension number ), who could not find any reference to my previous call and thus had to initiate a new identical request as the previous one, again consuming more than 40 minutes on the phone. Once again, she declined to provide me with a reference number, representative id number of extension number, only saying that she would put a trace and that I should receive a notice within 48 hours. 
Most other companies I have dealt with generally offer a reference number after a customer call, together with a representative id number, so that the issue can be traced back if not resolved adequately. 
Citibank 's process for resolving customer matters requiring follow up are either severely deficient out of organizational incompetence, or more cynically, purposely designed to avoid leaving an accountability trail that could lead to regulatory actions. 
I believe that this matter deserves your attention as it is clearly abusive of the banks customers, as well as possibly abusive of the regulatory process, by designing a system that results in the hiding of these types of issues from regulatory oversight.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received a letter earlier this year from XXXX advising of the ending of their partnership with XXXX XXXX and that Citibank VISA would be the replacement. I called XXXX immediately to ask if I would be given the option to decline this VISA card since the letter did not address this question. The XXXX representative said I would be given that option prior to issuance of the card. On XXXX XXXX of this year I received a letter from Citibank that says my new Citibank VISA card will be mailed to me. I never received any notice or opportunity to decline this card prior to issuance. I immediately called Citibank and told them I do not want this card and I do not want a relationship with Citibank. Citibank said they could n't do anything about this card until I actually received it and then they could " try '' to cancel it. I am on the permanent opt out list for ALL credit offers, etc. and do not want another XXXX card. I am disappointed to learn that Citibank through contract with XXXX merely transferred my personal and financial information and automatically issued me a credit card without my permission to do so. I want to have the say over which company and which credit card I do business with just as I did when I originally applied for the XXXX XXXX XXXX card.

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 2016-07-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Citi bank contacted me to report fraudulent charges in my CC 's. They stated I am not responsible for the charges. Bank refuses to authenticate me and insists on collecting copies of unrelated documents ( DL, utility bills, social security card ). Bank has reported account as unpaid to credit bureaus despite locking the accounts and refusing to speak with me. Bank will not accept my billing address or phone number on file as authentication despite them matching my credit report. Bank refuses to issue a check for my rewards cash points.

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 2015-11-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has finally approved a Short Sales, offer on my home. they also will provide me with a $ XXXX relocation allowance ( $ XXXX is the maximum HAFFA will allow ). Now I owe the IRS some back taxes. The IRS want to take my $ XXXX moving allowance to satisfy my tax liability. 
But I need this $ XXXX to move rent a house, and secure employment, without it I become a homeless statistic. 
Please convince the IRS that I do not profit from this relocation allowance, and although it sounds like a lot, it really is not. Please convince the IRS, to allow me to keep this, and it is in there best interest, as once I am able to establish full-time employment, that I will at that point, will be able to set up a payment plan to repay, what I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has refused my timely request to opt out of the company 's new arbitration provision. Citibank lied about the date of my request. Certified Mail tracking proves that it was not only postmarked, but even received, before the postmark deadline. I believe that Citibank is expecting customers not to notice or question the imposition of arbitration. 

By way of background, I have been a Citibank credit card customer for 21 years, have never missed a payment, and have always maintained a high credit score. My account is in good standing and no disputes are pending. 

Facts, in chronological order : XXXX XXXX, 2015 : Citibank announces the proposed arbitration provision and the opt-out process. " You can reject the change to arbitration by writing to us ... Your letter must be postmarked on or before XXXX/XXXX/2015. We will not close your account ... '' Letter attached. 

XXXX XXXX, 2015 : I mail my opt-out request, XXXX XXXX, Certified, postage-paid. Letter and postmarked Certified Mail receipt attached. 

XXXX XXXX, 2015 : Citibank receives my letter, before even the postmark deadline. United States Postal Service tracking results attached. 

XXXX XXXX, 2015 : Citibank refuses my arbitration opt-out request. Citibank falsely claims that " you did n't mail your preference to opt out by the deadline we established. '' Letter attached. 

XXXX XXXX, 2015 : I file the present complaint with the Consumer Financial Protection Bureau and mail copies of the complaint and of the documents mentioned above to Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a 0 % interest promotion with Best Buy for 18 months. It was explained to me that after 18 months, if the balance was not paid off I would start paying interest. It sounded like any normal credit card to me. It was NOT made clear that the interest would be charged on the entire original purchase at the end of 18 months. As such, I had gotten my balance from almost $ XXXX down to {$170.00} by the end of the XXXX month, and as it was XXXX time, I decided to pay the remaining balance off next month, as I had other purchases to make for the holidays ( in other stores ). I did not think it would be a big deal to wait to pay the last amount next month. Next thing I know I get hit with an interest charge just over {$400.00} on my Best Buy Card. They had sent out a notice before the final payment stating they were going to charge me interest, but did n't state how much or explain that it was interest on the entire original purchase. I had only made that XXXX purchase on the best buy card. I had not been delinquent in my payments in any way. What is the worst part is that I could have paid off the remaining {$170.00} at the time, but I was unaware of the severity of the impending interest charge, and chose to make other things a priority. Had I known I would not be in this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My student loan servicer is Navient. Their website has offers no way to do an additional payment ( in addition to my monthly regular payment ) online, making it unnecessarily difficult to send in an extra payment and to make sure that it goes directly toward my loan 's principal. My wife uses a different servicer, and it is clear and easy to make an additional payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient failed to correctly apply or allocate borrower payments to my account. I signed up repeatedly for autopay and Navient would send me confirmation of enrollment in autopay and then not take out my payment and charge me late fees. Navient refused to give me options to pay by income and forced me to deferr my students loans by paying for this deferment which negatively affected my credit score and interest continued to accrue. As well, they obscured information consumers needed to maintain my lower payments because during school I was told I could have a pay by income option, but did not get that opportunity. Navient also required a full payment weeks after graduation which is not feasible time to secure a job and get a paycheck to make a payment. Navient also lied about requirements to release my cosigners from my loan and it went from XXXX months of one time payments to XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am currently in a loan that was not really disclosed properly by my lender and now i have been trying to find someone anyone to help me get this loan change to a fixed 30yr and have impounds account attached. i have try loan modifications only to be told im current on house payment and have too much equity in my home.due to only my income i evem filed chapter XXXX to pay off all my debts so i can continue to make my mortgage. i was told by a manager at chase due to the bk they ca n't help and ca n't put me in impound acct. my house was not included in the bk and i just need this loan to be turned into a fixed XXXX with impound s and at an affordable rate can manage. i feel chase has not been helpful in this situation so im hoping you will beable to help. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I am very sick and have had a difficult time making my payments. Wen I did try to enroll in an income based repayment plan, they gave me wrong information and forced me to catch up on my payments in order to get into a repayment program. The woman I talked to said Navient will not allow entrance into the program when the loans are in default. So i scraped up the money literally while she was on the phone getting family assistance, around {$650.00}, and caught up my payments. She then did a review of my finances and told me my monthly payments were around {$350.00}. I explained that we could never maintain that amount because I am not working and my treatment is expensive. She said there was nothing she could do. At my persistence she spoke with her supervisor who agreed with the representative. 
She stated that they could do a review of my cosigners to see if that could lower my payments. I wanted to do this. She said I had a month to have them call in and to not let my loan default, otherwise I would still be denied for income based repayment. After two weeks, my cosigners had called in- so I called Navient back to discuss my options. The man I spoke with said that because my loan WAS N'T in default, I could not be placed in an income based program. I almost lost my mind. I told him what the representative before him had said. He said she gave false information and that I had to call back once the loan defaulted. So some of the {$650.00} I scraped together could have been used for my medical treatment, but instead was given to Navient. 
I am also one of the people they insisted on putting into forbearance instead of a payment plan- now I am out of forbearance when I need it most. 
They have also given me false information about when programs I am in have ended. So I thought I was in a program for a year, but it ran out without my knowledge after a few months- thus causing the first situation I described. 
I have had nothing but problems with Navient for 9 years. I have tons of stories, been given wrong information a dozen times, paid money to even put my loans into forbearance because that was cheaper than the payment, and they absolutely set up people to fail. 
I admit, I should have educated myself better before taking out private loans, but at the time, they were eligible for fixed interest consolidation, so I was n't very worried. 
Now I am sick, on long term XXXX from my job and filing for Social Security XXXX, and I have NO IDEA, what to do with these loan payments. We absolutely can not afford them and neither can my cosigners. One of which is my mother and she is helping me pay for my treatment! 
I have no idea what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I paid off the entire balance owed to Bank Of America for an account that was closed in 2013. They agreed to remove the fraud notice off of XXXX once I paid it. I waited a month and it still was not off of my record. I disputed it with XXXX and they would not remove it after an additional month saying that Bank Of America said they did n't agree to remove the alert, even though I paid the balance. This is not true, and I would like it removed from my XXXX record.

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