vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I received a letter from citi that I was automatically enrolled in a Credit Protection program for which I am charged a monthly fee. It was for my Macy 's credit card account. The letter provided terms of conditions and " reminded '' me that there is a fee for the program. I never signed up for this program, nor am I interested in participating. I tried to cancel online, but the website did not work. I was finally able to get ahold of someone after 10 minutes on hold. I cancelled the service and requested a cancellation notice. I also called Macy 's and notified them that I will be canceling my credit card as a result of this practice. I think this " automatic '' enrollment is a predatory practice and I am sure that many people are " automatically enrolled '' and charged a fee without even knowing about it.

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 2016-05-09 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened this card under the assumption I would receive XXXX ThankYou points upon opening the card, with a spending requirement of {$0.00}. I 've called-in numerous times to hear these points would be awarded within 1 to 2 billing cycles. I just want these points so I can end this relationship with Citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased an item using my XXXX XXXX Credit Card. The item was incorrect so I contacted the merchant who told me to send the item back and they would give me a refund. I sent the item back and never received the refund. 
I called XXXX XXXX to report a transaction and merchant. I shipped the item back and charged the return to my XXXX XXXX card so they could have adequate information and proof that I returned the item. XXXX said no problem they will place a claim and make sure that I do n't accrue interest on the item. 
XXXX asked that I fax them proof of the correspondence between the merchant and I plus proof of the return such as return label and tracking information all of which was sent to XXXX. XXXX asked that I wait 30 days while they complete their investigation. I waited 30 days and then I called them they told me do n't worry they are still waiting on the response from the merchant. I waited as instructed by XXXX customer service but I heard nothing from them. They were too busy sending my account to XXXX with no concern about my claim. 
On XXXX XXXX, 2016 I called XXXX again they said they cant help me any longer and that I must call XXXX because their partnership with XXXX has ended and XXXX should have all my detail. 
I called XXXX bank they said a charge for {$380.00} took place on XXXX XXXX, 2016. That same day a claim against those charges appeared and a credit was posted. Yet again that very same day the credit was removed and te charge was applied. XXXX said that the claim must have been resolved that 's why the added the charge back to my account. I told XXXX that the statement does n't make any sense. XXXX claims that the dispute was never resolved and that they must place a new claim. My problem is that XXXX knew that my TrueEarnings ( R ) Card from XXXX and XXXX XXXX would be replaced with a credit card from XXXX and would not be an XXXX XXXX XXXX Card anymore. I believe based on the notes that XXXX read to me that XXXX did n't care about my claim and did n't care to inform me that they placed the charge back to my account which accrued interest because it would not be their problem any more. I upset because XXXX had ample time to get the job done and keep me up to date with results but they willingly choose not to. When I called XXXX they told me that I must place a new claim and that they would take care of me. The customer service agent from XXXX told me it will take 24 hours and a agent would call me back but I have yet to receive a call from XXXX regarding my account. XXXX and XXXX need to get their things together and keep me up to date about my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I started a Citigold checking account with Citi at the XX/XX/2016 and they promised XXXX Thank you points. When the points did n't come as promised I sent a message to ask. They replied saying the points will be available by XX/XX/XXXX. When the points still did n't come, I sent another message. They say they will look into this and reply by XXXX. Meanwhile they 've been charging {$30.00} service fee per month!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
In XXXX 2015, Citibank was offering a XXXX AAdvantage mile promotion if you open a Citibank Checking Citigold Account Package, set up a bill payment for at least 2 consecutive months, and make at least {$1000.00} in debit card purchases. I received several messages from Citibank stating that I was signed up for the promotion, met the minimum requirements, and that the miles will be processed to my account. However, after checking back with Citibank, I was told that " Unfortunately there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. '' This response was not consistent with the three messages I 've received from Citibank prior.

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 2016-03-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I 've had XXXX credit cards with Citibank since XX/XX/XXXX. XXXX is a Thank You card and the other is a Diamond card. On XX/XX/2015 I changed bank accounts and tried to change my autopay to the new banking information on the Citibank website. The Citibank website would not let me do this, so I called customer service. The agent stated that I had to cancel the current autopay with old information and resubmit with the new information. I did this with the agent walking me through the change and it stated the transaction was pending and would take up to 2 business days and the next payment was XX/XX/XXXX. I then received a notice that I was 35 days late ( on the Diamond Card ) in XX/XX/XXXX when I contacted Citibank they said that autopay was cancelled although it still stated that it was pending. ( I took a screen shot of the pending transaction ) This caused a ding on my credit and a few days later they reduced my limit on the Thank you card from XXXX down to XXXX only {$100.00} above my balance without notice, which caused that card to go over the limit. I contacted Citibank customer service 7 times and spoke to XXXX different people trying to get this resolved. Then they automatically pulled a payment from my old checking account ( They told me autopay was cancelled ) and this caused an overdraft on my old checking since I moved all my money to the new account. The last customer service agent hung up on me so I stopped calling. I disputed the ding on my credit but I am not sure where to turn at this point.

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 2015-09-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XXXX/XXXX/2015 - purchased XXXX items at Macy 's on Macy 's credit card totaling {$100.00} ( only transactions on this card ) XXXX/XXXX/2015 - billing cycle ends. Balance due {$100.00} due XXXX - returned XXXX of the XXXX items to Macy 's . Rec 'd credit of $ XXXX - XXXX/XXXX/2015 made additional purchases/returns on XXXX - returned the XXXX item purchased on XXXX. Rec 'd credit of XXXX ( all XXXX items from the XXXX purchase of XXXX have now been returned with a credit of {$100.00}, comprised of {$67.00} and {$34.00} ) Balance due on NEW purchases in current billing cycle now {$68.00}. 
XXXX/XXXX/2015 - received next statement with a Late Charge of {$25.00}, because the minimum payment of {$25.00} from the XXXX/XXXX/2015 statement with a total balance of {$100.00} was not paid. 
Argument - I am being charged a late fee on the balance for NEW purchases. After arguing ( nicely ) with the billing department ( XXXX ) and her putting me on hold SEVERAL times and consulting with her 'senior associate ', she came back at least XXXX times to tell me why the late payment was due ( not having made a minimum payment ). I continually explained to her, that the minimum payment due was paid via returns of ALL items and thus the late fee is being calculated for not paying a minimum due on CURRENT purchases. 
After XXXX minutes on the phone, and her last consult with the 'senior associate ', she told me that because my purchase was on XXXX/XXXX/2015 and I had a credit on XXXX/XXXX/2015 greater than the minimum purchase, that she would refund the {$25.00} late fee. 
While that is great, I will now pay my balance and likely close this card permanently, it was not refunded for the right reason. I told her that I was happy it would be refunded and asked why it was charged to start with. She said " we do not know ''. 
I have to imagine this violates Reg Z in some way ( APR would be understated for a fee being charged as well as disclosures ). While that 's the regulatory reason, the reputation risk that Macy 's just endured is a loss of business due to employees not understanding the regulatory impact of the credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a mailer from Citibank in XXXX offering me XXXX miles if I open a Citigold account with {$50000.00} fund and complete {$1000.00} debit purchase and 2 bill payments in two consecutive calendar months. I went to Citibank 's XXXX branch and the branch manager XXXX XXXX personally helped me open the account and confirmed I 'm eligible for the promotion once I complete the requirements ( {$50000.00} fund, {$1000.00} debit purchase, 2 bill payments in two consecutive calendar months ). Please see the attached document she provided me on the promotion outlining the detailed terms. 

I completed all the requirements in XXXX and followed up on the promotion status in XXXX. The assistant bank manager XXXX XXXX has verified that I met all the requirements and she then submitted the request for XXXX promotion miles. 

I followed up again in XXXX through Citigold online customer service but was told that there is a {$300.00} issued to my account from another promotion therefore they will not be able to issue the XXXX miles. I contacted both XXXX XXXX and XXXX XXXX questioning why the {$300.00} promotion is something I 'm completely unaware of and never signed up for. They investigated the issue but came back only stating they are not able to change the promotion I received and therefore the XXXX miles can not be issued. 

I felt completely deceived. First of all, I was never aware of let along signing up for a promotion that offers {$300.00}. I only signed up for the promotion of XXXX miles which I received in the mail, and that is the only one both XXXX XXXX and XXXX XXXX has acknowledged to me. How the {$300.00} promotion got attached to my account seems very suspicious. If this is not deceptive act then I do n't know what is. 

The value of XXXX miles is much higher than {$300.00}. I would never open a Citigold account and funding it with {$50000.00} for a promotion of {$300.00}. However it seems Citibank 's XXXX branch uses the XXXX miles as a bait tricking customer into opening a Citigold account but then switch to a much lower promotion offer. This is an absolutely dishonest and fraudulent banking practice that no customer should ever experience. 

I have attached all the email communication between me and XXXX XXXX and XXXX XXXX. Please do n't hesitate to contact me if you require any other information regarding this matter. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
They call XXXX times a day donot leave a message and are not in america

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received my Citi Double Cash credit card statement for the month of XXXX which included a late fee of {$25.00} for a payment they indicated they received on XXXX. My payment was due XXXX. My automatic bank withdraw was made on XXXX and my bank statement indicated the payment was received and cleared by the Citi on XXXX. Citi did not post my payment until XXXX, one day after the due date, and attempted to charge me the {$25.00} late fee. It took me at least XXXX minutes of arguing with a Citi supervisor who was anything but helpful to resolve this matter. I feel they have been dishonest and hoped I would not notice the fee and/or not bother to complain about it. How many other people have had this experience?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have XXXX mortgage with OCWEN loan servicing company and they are now reporting to credit bureau that I am past due when they are canceled my auto payment options. However I been calling them since XX/XX/XXXX to ask what other options were for me. They told me to let it mature and then I can apply for the modification. So, I contacted them on XX/XX/2015 few days before the mature date to ask if there are any other option. They told me to wait until it matures ( XXXX/XXXX/2015 ) then submit a modification request. So I did and they said it 's been denied because it a XXXX mortgage. Ever since last year they are calling me to refinance which I could have done if they did not give me the wrong information. Now since they are reporting the account as past due which impacted my credit scores to drop from XXXX to XXXX. There is no lender who will refinance for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
It started with IndyMac switching are mortgage to Ocwen without giving me any notice. I was in the process of modifying my mortgage with Indymac. I had to start over with the modification process with Ocwen and its going on 3 years due to a reduction in my income. I sent in all the required documents by fax and email. When time to discuss my information they always reply '' we do not have your documents ''. When I send my documents I send them repeatedly. I received a house evalution on my property which is not accurate causing me to continue to pay PMI. My LTV is more than XXXX % and I should be paying PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Revenue Recovery Corporation
State: TN

Complaint narrative:
These are small XXXX XXXX bills that are owed and I never received any billing statements or knew anything about owing these bills ( they are bills from 2 to 4 years ago ). I received a letter from a collections agency requesting that these be paid in full. I called the collections agency and was informed that I am committing an unlawful crime if I do not pay these ASAP. This is not right for them to try scaring me or making suggestions of this kind. I do not appreciate this kind of business tactics.

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 2016-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
failure to provide continuity of contact in a timely manner. on several occasions over the past couple of weeks both via e-mail and telephone I have asked Ocwen to contact me regarding questions I had about their loan modification offer. to date they have failed to contact me regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
1- My monthly mortgage payment for XX/XX/XXXX was {$1200.00}. I sent in a check in the amount of {$1800.00}. As you can clearly see on the check and on my monthly payment coupon I had stated that I wanted an extra {$600.00} to be applied towards the principal payment. Ocwen failed to apply all of the {$600.00} dollars towards the principal and only applied XXXX towards the principal. XXXX not sure where the other {$19.00} XXXX was applied to? 
2- My monthly mortgage payment for XX/XX/XXXX was {$1200.00}. I sent in a check in the amount of XXXX. As you can clearly see on the check and on my monthly payment coupon I had stated that I wanted an extra {$650.00} to be applied towards the principal payment. Ocwen failed to apply all of the {$650.00} dollars towards the principal and only applied {$620.00} towards the principal. XXXX not sure where the other {$22.00} XXXX was applied to? I have tried to resolve this and many other issues with my so called relationship manager XXXX XXXX, I have talked to her a couple times on the phone but every time we have talked she says that she is unable to pull up my account on her end. She had requested that I fax her some of my payment coupons and that she would be able to get everything taken care of. After I did she has never returned any of my calls or e-mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My Mortgage Bank is : Ocwen Loan Servicing LLc I was offered aapplication Modification but after I sent the application, but after that, they started to refusing my payment, my credit is getting very bad and when I called last time after several timer per week and i Got HAng out, finally, this person told me that this bank will take my home and i have nothing to do, I told him tha I 'll find if I have the right to fight and get my home but he said they have the best lawyers and if do n't have plenty money he would n't reccomend me to fight because any ways I have everything to loose. 
Im very XXXX and I do n't know if I should keep XXXX or not because I work to hard for my home and now instead of getting a modification with government help that they mentioned to me, I ENDED UP LOOSING MY HOME. 
NOW I UNDERSTANG WHY MANY PEOPLE XXXX, BUT THEY DID N'T LEAVE A LETTER MAKING BANKS RESPONSIBLE FOR THAT, THEY MAKE PEOPLE XXXX WITHOUT CARE ABOUT OTHERS BUT JUST THEIR MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My mortgage company raised my mortgage {$500.00} extra dollars monthly they say my escrow account has been in the negative since XX/XX/XXXX which they are saying I 'm in the negative for over {$5000.00}. I really do n't understand why or how this could even go on this long. I had them check which they said they did a analyses but on the papers they sent doing XXXX different analysis shows XXXX different numbers. I called concerning this analysis XXXX was in XX/XX/XXXX the other in XX/XX/XXXX. I have checked my taxes and my homeowners insurance and it did not go up no more then {$50.00} to {$70.00} dollars I put notes to draw to your attention to the marking periods that seems to be different on each. 

please help i can not afford this Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
I have a home mortgage with Ocwen Loan Servicing, LLC.They have been charging me a usurious interest rate in the amount of {$7000.00} ( for one month ) since 2010.They will not explain this nor will they correct it.I think this is illegal and I want it taken off my loan amount and I do not want it to effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery placed a collection on my XXXX account that has been disputed and can not validate the account per the CFPB CONSENT ORDER rules and agreement as follows as attached. 
1.Portfolio Recovery is misprespresenting the debt on my credit report as attached and without validation. 
2.Portfolio Recovery can not provide account level documentation and do not have enough information to investigate the account they claim to be able to collect per their letter to me XXXX XXXX, 2016 and in response to my letter to them XXXX XXXX, 2016 both are attached. They want me to provide the information to that they do not have. 
3. I never opened a XXXX account. 
4. They never sent copies of any validation such as requested in my letter to them XXXX XXXX, 2016. 
5. They are violating the Consent Order XXXX as outlined in my attachment.

Company response to consumer: Closed with explanation