vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I had a student loan suddenly appear within the last week on my credit reports from 2007 for 'CitiBank/XXXX ' with a current balance listed at {$18000.00} and a highest balance of {$29000.00}. I have tried contacting numbers for both companies provided online but they only will allow me to go to automated machines with no menu option for a customer service representative. I am looking for verification of this debt including the original loan contract/MPN, an itemization of any interest or fees charged to the account and a loan payoff amount so I can settle the debt if it does in fact exist. If this information ca n't be provided I would like these loans removed from my credit report.

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 2016-08-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Mortgage account number XXXX I have contacted Citimortgage by phone, email, and by chat. The loan was paid in full and XXXX XXXX sent an automated payment afterwards. Citimortgage is stating that it was not received and XXXX XXXX is stating you received it. I am elderly ( XXXX ) and on a fixed income and. Payment was made on XXXX/XXXX/2016 and would like these funds immediately. Enclosed is a copy of the XXXX XXXX XXXX. 

XXXX/XXXX/16 Collapse Transaction XXXX with description : BILL PAY CITIMORTGAGE XXXX ON XXXX BILL PAY CITIMORTGAGE RECURRINGXXXX ON XXXX {$540.00} Sincerely yours, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
On XXXX/XXXX/XXXX, I received a copy of my credit report and Citibank N.A . or Citibank XXXX is showing as an inaccurate account. I called to speak with a representative immediately. I spoke with XXXX and he informed me that the money was sent back from the school- University XXXX XXXX XXXX because I was n't a student. He informed me that the loan was taken out on XXXX/XXXX/XXXX. The loan totaled XXXX for a fall semester.. XXXX then advised that the loan was also sold to the US XXXX at the same time the loan was allegedally returned back from the school.. I asked if he cod end me verification of an account or signed documents that I had a taken out a loan, and that the loan had been sent back from the school or transferred/sold to the US XXXX. He said he could not provide documentation. I asking that the above account be removed from my credit report. I HAVE RECENTLY CONSOLODIATED ALL OF MY STUDENT LOANS WITH XXXX AND THIS LOAN IS NOT ON MY LIST OF COSOLIDATED LOANS. the company name, phone number and address is listed below : Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX sd 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 explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received a mail solicitation from Citibank to apply for the XXXX credit card. This card carries a XXXXannual fee. The wording of the solicitation indicated that I had already been pre-approved for this card. Since I already have XXXX credit cards with Citibank, I applied for this card online, using the reservation number given. 
I was declined for the credit card, with the reason given that " Your payments were low on one or more of your accounts with us, '' in addition to the standard " ... balances on your revolving accounts are too high in relation to those credit lines. " I can understand the second reason. I sent a letter, certified and return receipt requested, to Citibank requesting clarification on the XXXX reason. 
I received a second letter in response, only detailing the high balance reason. 
My issue is that I always make more than my minimum payment to Citibank each month on XXXX their cards. They did not provide information to advise on what criteria constitutes an 'acceptable ' payment level in order to qualify for the card that they sent me an invitation to apply for. 
There is obviously a secret criteria that is being used not based upon something known and objective, such as credit scoring, which is discriminating against a customer without them being able to remedy it. 
This is arbitrary and capricious, and should not be allowed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi Bank offers access to statements and transactions on their website. For the second time in a month " There are no statements immediately available at this time. '' The last time ( around XXXX/XXXX/16 ) it took ten days and a complaint to CFPB to resolve the problem. The resolution is apparently temporary.

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 2015-07-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I had a Sears Card thier were some issues with the card so I made an agreement to have the card cancelled and pay the debt off, I did so. Now it is showing up on my credit report as a COLLECTION. I have no idea how this happened when I honered the agreement I had with Sears.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
This company has charged me {$38.00} late fees XXXX times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Complaint : CitiMortgage, XXXX & XXXX posted our mortgage payments from XXXX XXXX to present year XXXX and called to collect over the phone payments ( EFT - electronic funds transfer ) for the ( ACH - automatic check handling ) payments in the form of personal checks already posted to our account, assessed us late fees for additional payment applied to principal ( misappropriated installments including XXXX PA real estate taxes, city of XXXX PA taxes and XXXX Area School District Taxes ), reported out posted late to national credit bureau XXXX XXXX and XXXX when our Mortgage insurance payments were never late, our CitiMortgage note terms should have been stated in rider when servicing changed ( XXXX of the month due with 15 days grace period ) we were never late greater than 10 years of payments, applied additional fees for servicing, denied loan modification application, denied refinance application, denied federal application for HARP, added additional interest on our original note dated XXXX XXXX with fixed 5.5 % interest backed by XXXX and added additional finance fees on top of the finance fees assessed on our settlement document, thus misappropriated our mortgage financing with interest payments reporting us in foreclosure as delinquent - erroneously. We wish to receive legal writ of satisfaction for all mortgage payments applied to principal and mortgage loan note. We provide the attached uploaded document record of all carbon copy personal checks log, and printed franked records made available online. We wish to include class action notice with XXXX c/o XXXX and have not received any payments nor listed us for XXXX records. CitiMortgage, XXXX & XXXX have exceeded 7 - 10 days written response to our letters, exceeded the 30 day investigation thus escalating our qualified requests in writing for mortgage principal payment adjustments citing additional yearly payments applied, denied request for reverse late fees providing franked records of posted payments withing the note guidelines, and failed to refund monthly monies assessed accordingly. We provide detailed documents to stop phishing, harassment, imposing XXXX, undo stress and deformation of character. We seek restitution thereof, to be made whole, and immediate writ of satisfaction ( mortgage paid in full ) immediately.

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: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ZENCO COLLECTION, LLC
State: TX

Complaint narrative:
I received a call on XXXX/XXXX/XXXX at XXXX in the morning from Zenco Collections XXXX XXXX XXXX XXXX , TX XXXX on a auto loan incurred in XXXX, with a remaining balance plus interest incurred after the vehicle was surrendered back to the finance company in XXXX, XXXX being 90 days past due payment. At that point I had been laid off from my job and could not meet this obligation on unemployment insurance. At the time I surrendered the vehicle, I was unable to attend my father 's funeral for lack of funds. 
This morning I was threatened with wage garnishment, legal action to seizure of assets, and potential incarceration unless I agreed to immediate payment of {$2000.00} or a minimum payment schedule of {$50.00} per month to pay off the debt. While I agreed to this since I have no means to defend myself in court and I was under pressure by their threats, I explained to them that I was currently on half-hours in employment and having trouble covering food, shelter and daily expenses. My wife retired prior to my hours being reduced and is on a fixed income. I have been putting off medical and dental work because I am unable to afford the deductible/copayments at this time. They insisted that I MUST give them an answer at this moment or face legal action. 
After Checking about dedt collection and finding that the debt was beyond 4 year Statute of limitations. I contacting the States Attorney for Consumer Affairs. I cancelled the debit card that I had given to these people, understanding that the debt itself was past collection limit, and that the pressure used was unethical and unfair.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened an account with Macy 's XX/XX/XXXX. I had the account in good standing. They closed the account XX/XX/XXXX without my knowledge due to " inactivity. '' They refuse to open to old account and request that I apply for a new account under their new revised terms and conditions. This closure has harmed my credit report because it was a card I had for over XXXX years. This is not a fair practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am a Citi Cards card holder. I received a solicitation stating " No foreign transaction fees on purchases ''. This then apparently meant only that they were charging a fee in U.S. Dollars, but still a per cent fee on each foreign transaction. This is DELIBERATELY misleading, as some cards actually do NOT have foreign transaction fees.

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 2016-06-22 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 opened a Citi Gold Checking account in XX/XX/XXXX. The account was opened using a promotional offer that Citi had, which provided a bonus of XXXX XXXX XXXX miles ( worth approximately { {$500.00} } ) once the following conditions were met : 2 bill payments in 2 separate months within 2 months of opening the account and XXXX debit card purchase of {$1000.00} or more. I opened the account, and verified ( via Secure Message ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told ( in accordance with the promotional terms ) that the bonus miles will post within XXXX statements of completing the requirements ( which would have been XX/XX/XXXX ). It is now XX/XX/XXXX, and I have paid { {$90.00} } in monthly fees to Citi, and Citi has not upheld its side of the promotion. I specifically confirmed that I was eligible for the promotion via secure message, and as such do not keep promotional mail offers for 6 months. Citi customer service representatives have been unprofessional and uninformative when trying to resolve this issue after submitting an investigation with Citi. Their CSR is incapable of making any changes and implementing any resolutions, other than pointing the finger at different departments. My wife has an identical complaint, and has filed a CFPB complaint as well. From searching the internet, there are hundreds of people which Citi is not upholding their terms of the promotion, while still charging monthly service fees for not providing any " service '' other than ripping off their customers.

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 2016-04-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello, I am a consumer of the Macy 's American Express Credit Card. I had a zero balance on my credit card. In XX/XX/XXXX2015, there was a purchase that was made at XXXX XXXX XXXX restaurant. This purchase I inadvertently used my Macy 's American Express Credit card. I did not remember that I used this card. On XXXX XXXX, I go into my e-mail and there is a bill with a late fee. I then logged into my account, and began reviewing statements. I then see the charge was from an XXXX XXXX purchase. I immediately contacted customer service. The customer service department was not only rude they were not helpful. 


I had over {$180.00} in late charges for this {$35.00} purchase. I asked customer service, why did n't I receive a telephone call after the first month of not receiving a payment. In addition, this is not the norm for my account because I have paid this bill completely off. Customer Service explained, that because I was signed up for bill pay, which is why I did not receive a call. This account as also reported late to the credit bureaus. I did not receive the e-mail for the bill. I understand that does not negate that I have a balance owed, however it would seem customer service would have contacted me regarding payment. There was no regard for me as a long time consumer of this account, with an excellent payment history. I was told there was nothing I can do regarding this 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 2016-09-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened a CitiGold checking account in XXXX of 2016under the promotion code XXXX which would give me XXXX XXXX XXXX miles after {$1000.00} in debit purchases and XXXX automatic bill pays from the account. I completed XXXX of these tasks but was then was givn the runaround by Citi representatives when I inquired about the promotion that was tied to my account. I was then given notice that Citi would not honor promotional offer that was promised to me when I signed up for the account. It is now the end of XXXX 2016 and I still have not received the XXXX XXXX miles that I was promised when I first opened the account, even though when I opened the account I confirmed with a representative that the promotional offer was tied to the 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 non-monetary relief
Consumer complaint received 2016-09-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: NY

Complaint narrative:
It is with great frustration, pain and desperation that I request a work out plan that will be affordable. I am desperate for I have received notice that my home has a foreclosure sale day of XX/XX/XXXX. 
I must begin to tell you that my home was purchased in XX/XX/XXXX. Never any issues until about XX/XX/XXXX-XX/XX/XXXX when my partner XXXX XXXX XXXX began with health issues. We applied for a loan modification then and were approved for a trial period. Shortly after XXXX passed on. I was devastated. I requested payment arrangement to no success. 
In XX/XX/XXXX BSI servicing company took over my loan. The payments were unaffordable. 
Please understand this is my primary residence, I want to keep my home. This situation was very stressful and distorted at the time. I could not believe what happened to XXXX. I lost him for ever. 
I have now have organized matters and I am able to pay for my home. There are lots of memories here in my home. I have submitted all my financial documents including death certificate for XXXX. This is a hard fall please extent a hand and help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
MY MORTGAGE LOAN HAS HAD XXXX DIFFERENT SERVICERS IN ABOUT A ONE MONTH TIME FRAME. BECAUSE OF THIS, SERIOUS ERRORS WERE MADE WITH MY REQUEST FOR MORTGAGE ASSISTANCE. I HAD INITIALLY APPLIED FOR MORTGAGE ASSISTANCE WHEN MY SERVICER WAS XXXX. MY FILE WAS IN REVIEW. ON XXXX/XXXX/2015 MY LOAN WAS TRANSFERRED TO XXXX XXXX. XXXX DID NOT TRANSFER MY MORTGAGE ASSISTANCE DOCUMENTS. A FEW DAYS LATER, MY LOAN WAS TRANSFERRED AGAIN TO BSI FINANCIAL. ONCE AGAIN MY MORTGAGE ASSISTANCE DOCUMENTS WERE NOT TRANSFERRED. BSI FINANCIAL WAS INFORMED THAT THERE WAS A COMPLETED PACKAGE FOR MORTGAGE ASSISTANCE. BSI PREFERS TO IGNORE THIS FACT. NO DECISION WAS MADE ON MY REQUEST FOR ASSISTANCE. IF MY REQUEST WAS DENIED, I WAS NOT PROVIDED A 30 DAY RIGHT TO APPEAL.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I ordered XXXX {$300.00} visa prepaid card on XXXX ( order # XXXX ) on XXXX/XXXX/15. The order is supposed to be fulfilled by XXXX. I called XXXX on XXXX/XXXX/15 because I did not receive the prepaid cards. Agent requested me to wait until XXXX/XXXX/15. I called again on XXXX/XXXX/15, and agent agreed to void the old cards and ship XXXX new cards ( Call Reference # XXXX ). I called XXXX again on XX/XX/XXXX, agent said that they have not resent the prepaid cards, but they agreed to send it soon ( Call Reference # XXXX ). I received a phone call from XXXX on XX/XX/XXXX, and they stated that those cards have been used already. I requested a full refund on XXXX/XXXX/15 ( Ticket # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Acceptance Solutions Group, INC
State: WI

Complaint narrative:
They keep harassing me calling my job and putting my job in jeopardy ..after months of talking to Wisconsin acceptance customer she said she would work with me n now coming to find out there are trying to garnish my checks and put a judgement on my name and that 's not far the loan amount was XXXX now they want XXXX plus XXXX dollars to stop garnishment o want the phone calls to stop

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
XXXX Hospital sent my account to Financial Recoveries, a collections agency after I had been paying consistently on my account for 2-3 years, never missed a payment, and was never late. After many attempts to straighten this out, especially when they started reporting erroneous information to the credit bureaus, they are still reporting ( Financial Recoveries ) erroneous information. I sent documentation and proof of my payments to XXXX, XXXX, and XXXX. XXXX XXXX and XXXX took care of the issue, but XXXX is still letting this company report this information and it is wreaking havoc with my excellent credit history. I told Financial Recoveries that the information they are sending to XXXX is falsely accusing me of being " late '', they argued that that is not what it says, I told them I was looking at my credit report and that is indeed what is being reported, and still nothing is being done about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Law Office of J.A. Cambece
State: MA

Complaint narrative:
My daughter, XXXX XXXX, was contemplating an expensive procedure at her XXXX, XXXX XXXX in XXXX. She asked them to see if she would qualify for a loan from XXXX XXXX XXXX. Then decided against having the procedure. Her XXXX, XXXX XXXX cancelled the request for a loan. They have sent me the documentation stating that the loan was cancelled and no monies were ever received. Never did I agree or sign anything as a co-signer to this loan but Cambece Law firm continues to harrass me while ignoring my documentation from the XXXX office.

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