vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have received several phone calls about a debt that I owe to Macy 's. 
They call several, like XXXX or XXXX times a day. When I answer the phone sometimes they just hang up on me. I have been talking to them within the last 7 days and I asked them to not contact me anymore regarding this debt for at least 30 days. Because in the state of Ohio a debt collector can only contact you once every 30 days, when asked by a consumer. Within the last seven days I asked to not be contacted regarding this debt For at least 30 days. Today, XXXX XXXX, 2014 I have received at least XXXX phone calls, which XXXX of them I have answered and the other XXXX i missed. They are calling from phone number XXXX. Is there anything that I can do to stop the harassment? i have been notified about my bill and when it is due which is XXXX XXXX, 2014. I do n't really think that there is a need to call someone 4 times in XXXX day. The day is not over yet so I am sure that I will receive another phone call or XXXX by the XXXX deadline this evening.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-09 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
On XXXX, I discovered that Fidelty Creditor Service had placed an collection on my credit report. I called to find out who they are and what I owed for. Was told it was for a dental account. The manager XXXX XXXX called me a XXXX, a liar and a deadbeat that does not pay my bills. He refused to escalate this to his superior and provide me proof of debt. I tried to explain that I never recieved a call or any mail correspondence from this company. His response was we have a bad address you know about it now so pay your debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Account-Related Errors : Several credit cards that do not belong to me are listed asDerogatory Mark Errors on my credit report. 
Wrong name listed/Personal Information Errors are noted : All XXXX BANK and CITI Credit Cards are listed under the wrong name. They belong to my ex-husband, XXXX XXXX XXXX, as part of divorce settlement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I paid off my account with Citibank, including all pending charges, and asked to have my card canceled. A few months later, I was contacted and informed that another charge had been added to my account that I had not paid for. Apparently, this charge was not reflected on my account. I had been charged late fees for XXXX and XXXX. I called and asked to have this issue resolved and offered to pay for the late charge. However, they refused to waive both late fees. They waived the XXXX late fee ( admitting that they had screwed up ), but refused to take care of the XXXX fee. They also could not prove that the charge was made before I had ask the account to be canceled.

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 2016-04-22 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had a credit card account with Citi Bank. I recently turned over my credit card debt to XXXX XXXX XXXX as I became insolvent. I changed my profile information on my Citi Bank account to the contact information for XXXX XXXX XXXX. However, Citi Bank began calling an old number they had on file for where I once lived some years ago with my sister. 
Citi Bank is now calling my sister 's telephone number multiple times day and night and weekends. 
My attempts at contact with Citi Bank have failed.

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 2016-01-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have had the Citi XXXX XXXX XXXX Card for a few years. I have usually received the XXXX XXXX Certificate a few weeks after my account anniversary for spending {$10000.00} or more on this account. My anniversary was XXXX 2015. I still have n't received the certificate, despite the fact that I made the minimum spend this year ( the website confirms this ). When I called the customer service, I was given a big run-around. When I messaged them via secure message, I was also given a very vague response with a response to the effect that I just might hear something from them in 7-10 days. I find this to be breach of contract, more specifically, non-delivery of what we agreed to receive when I signed up for this credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
we were harrassed and good credit threatened for 6 days because a payment they electronically took out of my bank account, they applied to a wrong account ... ..nothing on my end ... .all the error on their end ... .and they harrassed us saying they were going to charge us a late fee and report us for late payment when all along they had already taken money out of my account electronically ... .the bank printed it out for me ... they harrassed and harrassed us it was very stressful getting this straightened out and it took alot of phone calls and then we still got robotic calls ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX is disputing Quality Acceptance LLC claim that he owes them any debt because Quality Acceptance LLC has failed to produce a valid contract between XXXX XXXX XXXX and Quality Acceptance which obligates XXXX XXXX XXXX to pay them a debt. This is not an issue of identity theft but a fact that Quality Acceptance is not the holder in due course and is in violation of the Fair Debt Collections Practices Act and other Federal Laws. They must show a valid proof of claim of which they have failed to do and they have also deprived XXXX XXXX XXXX of property without due process and without a warrant to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a loan taken out to help with school from Citibank. The loan went into charge off status XX/XX/XXXX. XX/XX/XXXX Citibank reported to the Credit Bureaus that I made a payment. Then XX/XX/XXXX, they reported that I missed a payment. I have not made a payment to Citibank since the account has been in charge off status XX/XX/XXXX. I tried to contact them but they do n't have a contact number, just a fax number. I faxed them and ask them to update the information. Instead of them updating it correctly, they reported to the credit bureaus that my account went into charge off status XX/XX/XXXX and then fraudulently reported that I have been making payment since then. Then fraudulently reported that my account went into charge off status again XX/XX/XXXX. As you can see in the supporting documentation XXXX, they are reporting that I have been making payment since XX/XX/XXXX, but at the bottom where it says " account history '', it says " DPR ', which mean date payment received, they report " ND ', which means no data. You absolutely right there is n't no data because there never was any payment made. When I call Citibank customer service, they also verify that I have not been making any payments but since they are not the credit dispute department of Citibank they ca n't help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Our loan originated in XXXX then we had difficulty paying and went in foreclosure XXXX XXXX. 
We fought and won the case and it was dismissed XXXX XXXX and an adjustment to the terms was made XXXX XXXX. Then we filed chapter XXXX bankruptcy in XXXX XXXX and was discharged XXXX XXXX, XXXX with a legitimate reaffirmation agreement and it lists specific terms of repayment. In XXXX we were told that we were delinquent on our payment when I had just made the monthly payment. I went through several days of this and finally was told that we owed {$36.00} principle and that none of our payments was being applied to the final payment due to deferred interest on the account. Until XXXX XXXX no payments were reported on the three credit bureaus then 3 payments were reported as on time then XXXX XXXX through XXXX XXXX it shows that no payments were made making us 150 days past due. We made a settlement payment on the deferred interest of {$6000.00} and they lost the check. I have emails from a rep stating as much as well as a delivery confirmation. So no payment was made in XXXX XXXX due to it being lost. I feel that we should not have had the deferred interest due to the reaffirmation agreement. I do admit to being late on payments over the years but I always got caught up. The added interest should not have added up to {$10000.00} which I believe is the interest that accrued during the foreclosuretime. Also after the affirmation the company said that my name was not listed on this loan and it is clearly on the original document the adjustment that was made prior to the foreclosure dismissal and the reaffirmation agreement. They would not talk to me about this loan for several months until we lost our home to a fire in XXXX. We could have negotiated a settlement in XXXX even though I am sure that we did not owe this deferred interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Performant Financial Corporation
State: OH

Complaint narrative:
Performant recovery sent me a bill for the dept of taxation in the state of louisiana for the year XX/XX/XXXX. I filed a federal return for the year XX/XX/XXXX, and was supposed to get around {$2600.00} back. The state of Louisiana offset my federal return and applied the amount of my tax return to the amount that I owe the state of Louisiana which was {$3000.00}. I phoned the department of taxation through the state of Louisiana, and they were not able to return any information as far as my state taxes taking my federal return. I phoned the dept of offset, and they have records stating that my return was off set due to the dept of taxation for the state of louisiana. 

Now I am receiving a bill, from performant who collects for dept of taxation, and they want proof of my federal tax return being off set. The dept of taxation should automatically have that information. And on the back of the performant bill, performant is threatening to suspend my drivers license. I have the bill from them. They ca n't threaten a consumer 's driver license and have it suspended in order to collect a bill? Not to mention the fact, that the state of louisiana should of automatically received a letter in the mail, like i did, stating that my federal return was going to be applied to my state of louisiana XX/XX/XXXX return owed for that year. XXXX companies, ca n't seem to locate my information in reference to the offset. I also do n't see how performant is allowed to threaten consumers, with a valid threat of suspending licenses?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Solidus Group LLC.
State: VA

Complaint narrative:
I received a phone call from ( XXXX ), which claimed it was collecting {$1200.00} on behalf of XXXX XXXX. I contacted XXXX, who said there was no such debt, and warned me to not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
I contacted Quality Acceptance LLC in Febuary XXXX for a voluntarysurrender/repossession due to transmission almost completely goneI informed their collection agent XXXX, in XXXX XXXX that the car was in storage and I was fearful of moving it. I gave her the location and we agreeded that on the XXXX of the month I would pay storage call them immediately they could pickup the car and I take my possessionsthat were in the car this did not happen they picked up the car ahead oftime and refused to give me any information regarding the location of carand what I needed to pay in order to get my possessions back. I wrote to themthem XXXX times I ask them if they still had the car?? and I disputed their report that it was an involuntary repossession.After receiving my credit report asking them if they still had the car. I got no response I wrote tothem XXXX more times XXXX requesting validation of debt and XXXX goodwill/validation of debt still no response I have copies of letters and certified documentation that letters were delivered. In XXXX of XXXX they reported I owed them {$3600.00} In XXXX XXXX they reported I owed them {$5400.00} and reported it as a total loss. I have not had the car since XXXX XXXX they did not respond to my disputes that this was a voluntarysurrender/repossession initiated by me in XXXX. I have disputed this not only with the company several times but with XXXX and EQUIFAX without any results expected for them to say they investigated and It remain the same. This is not true and accurate information the car had major repair problemswithin 9 months of purchase I initiated a voluntary repossession/surrenderin XXXX of XXXX they took possession of car in XXXX or XXXX of XXXX prior to our agreement that I would pay storage, remove my possessions and call themimmediately for them to pick up car as a voluntary repossession/surrender The Company Quality Acceptance has not engaged in Fair Business Practices and XXXX and XXXX also did not engage in the Fair Credit Reporting Act in which I have the right to dispute incomplete or inaccurate information This was a voluntary surrender/repossessionwhich I have disputed since XXXX with no resultsdocumentation that I sent them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX/XXXX/2015 I ordered a XXXX for a XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX. ( I was the first person to order this kit according to XXXX Customer Relations person-XXXX ) The product arrived and I gave it to the mechanic to install. It did n't fit so I reported it to XXXX who directed me to their supplier ( XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX ) who replaced part of the XXXX that did n't fit because it was too large. While speaking with XXXX they told me they had never tried to actually install the kit on the car it was advertised for. The XXXX set of parts did n't fit either so I contacted my credit card company CITI Bank XXXX # XXXX telling them I did n't want to pay the bill until the problem was resolved. They agreed for a month after which time I received a letter ( XX/XX/XXXX ) saying the creditor -- XXXX had refused to extend the payment. I wrote a letter explaining the situation but CITI Bank wrote back threatening to turn me in to XXXX credit bureaus as delinquent on the account. I paid the {$1100.00} to CITI Bank in order to prevent being reported for bad credit in spite of the fact that the issue has never been resolved. Currently the XXXX set of XXXX products has been returned to XXXX for analysis. In the meantime I have spent XXXX of dollars on mechanics trying to fix my car. A fair resolution would be some sort of sanction on CITI Bank since they refused to place any merit on my side of the dispute. Also, I expect XXXX to reimburse part of my labor costs since they sold a defective product ( They have now stopped offering it ) that had never been tested on the car they sold it for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
We have AT & T Universal card for many years. My husband set up automatic withdraw account with them. We wanted to make sure the automatic withdraw account really worked. I called XXXX XXXX XXXX customer service and asked " Do we have an automatic withdraw account? ". The representative said " No, you do not have the automatic withdraw account. ". He send me the application form for automatic withdraw account. We mailed out a check {$1500.00} to them to pay for the bill. XXXX XXXX XXXX cleared the check onXX/XX/XXXX XXXX. They withdrawed {$1500.00} from my bank on XXXX XXXX. I called XXXX XXXX XXXX. They said I need to talked to my bank, XXXX XXXX. I talked to XXXX XXXX. They gave back {$1500.00} on XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX presented my check {$1500.00} to XXXX XXXX again and cashed out the money. I was so mad and called them. Finally they returned the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had an exon/mobile gas card since XXXX. I have never missed a single payment. 
In XXXX of XXXX I asked exxon mobile if they could raise the credit limit on my exxon mobile gas card. They said no. 
In XXXX of XXXX they sent me a new " smart card '' ( expires XXXX ) and my old card stopped working. 
Today, ( XXXX XXXX XXXX ), I tried to buy gas with my mew smart card and it was declined. I called exxon mobile and they told me it was cancelled because of inactivity and that I would now have to apply for a new card. 
I was given zero notice of this until I was sitting at a gas station unable to buy gas. 
by lowering my available credit this hurts my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: ME

Complaint narrative:
Hello, The company that is servicing my daughter 's student loans is Pennsylvania Higher Education Assistance Agency. My daughter has written to them multiple times to request the extra money that she is paying every month ( {$50.00} ) be applied to the loan with the highest interest rate. Month after month the company has some story about why it can not happen. The extra payment is being spread over all XXXX loans, and the lowest amount of the repayment is being applied to the loan with the highest interest rate. 
Is there anything that can be done about this issue? 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Nicholas Financial Inc.
State: NC

Complaint narrative:
I regularly check my credit report, and more so when I have been denied or granted credit. I noticed several new inquiries on my report. Because they assertedly do not " dispute '' inquiries on consumer behalf, I was directed by the Credit Reporting Agencies to contact each company directly to dispute the inquiries and request deletion. I sent a letter of dispute and demand to delete the inquiry to Nicholas Financial , Inc. using the address for them that appears on my credit report.

Company response to consumer: Closed
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: NC

Complaint narrative:
XXXX education mislead me on taking out this loan for my son and now I have this loan in my name and ca n't make the payments, It started out at XXXX and is now {$150000.00} with AES. I could n't ever pay this loan when it started back in 2006 an I still do n't make enough to pay it now. I do n't know what to do and AES has never tried to work out a solution. I am XXXX XXXX XXXX an I can only work part time because I have XXXX in my XXXX and XXXX in my XXXX I also have XXXX in my XXXX for XXXX. Every time I talk to someone about making payments that I could afford they just stick me in forbearance. I am frustrated an worried to what will happen because I ca n't pay this loan. The schools financial office totally mislead me on the loan saying that I 'd be taking out this loan to help my son and when he graduates he will be able to take over this loan because they said they would help get him a job after graduation. Needless to say after graduation they just brushed him off. It took him 4 years to even get into his field. And with all the XXXX XXXX loans he also had to take out he has to pay them, so he has n't been able to help me with this loan. The school new I did n't make enough money but they said my son would make enough money after he graduates. 
He barely makes enough money to pay the loans he has and cant help me. 
If you can find me a solution I would greatly appreciate your help. The schools financial office totally mislead and kept pressuring me to signed for this loan. HELP

Company response to consumer: Closed with explanation