vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a credit card on my report that I NEVER opened. I have disputed it several times, and Best Buy continues to update as it belonging to me. I will not pay for a cc that I did n't know existed, that I did not open and that I did not benefit from. what else can be done to take this off? I believe it is a result of identity theft or someone opening up this account without my knowledge. I do n't even have this card in my possession, to know that account number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX my husband and I received a flier for a special Sears Home Services was having for new windows + installation with approved credit and no interest financing for a period of time. We had done all of our research, had been pre-approved for the loan and were ready to buy the product. The saleswoman came to our house and spent THREE hours on the demonstration, even though we told her exactly what we wanted within the first 15 minutes of her arrival. It was after XXXX when she left and I had an 11 month, a young child, and I was pregnant and told her we just wanted to make it quick. She charged the approximately {$10000.00} to our Sears Credit Line. After she finally left, we were told the contractor would be in touch to schedule the work that week. We never heard from him and called him numerous times. ( XXXX of Sears selling points, btw, is that they use their own contractors - NO - they hire 3rd pary independent contractors. We called the sales woman back, customer service, anyone we could think of. Two months had passed XXXX XXXX and XXXX XXXX - I made payments in both of those months. By XXXX I called Sears and said I would n't make any more payments and that I wanted my money back. The customer service representative was very nice this time and said " let me see what I can do '' - that afternoon we heard from the contractor for the first time. He said he would be out the next week to measure our windows. He did n't come when he said so again we called him multiple times. He finally came later that week to measure and said the windows would be installed the following week. Again, two weeks went by with no calls and no response to my calls, so I called Sears again and said I would n't make a payment until I received my windows or I wanted my money back ( this was the end of XXXX - three months after the purchase - and I did not make a payment that month ). I did not make a payment in the month of XXXX either, though the contractor did come back and say he ordered the wrong windows so it would be another few weeks. Our windows were finally installed in XXXX - 6 months after purchase - they ruined some of the walls around the windows and made a huge mess with the installation, but at least we finally had the windows. I did make payments that XXXX and was never late again. I have requested multiple times that Sears have the derogatory remarks removed from my credit report - they held me and my money hostage and of all of the accounts I have, I have no other late payments. I am trying to refinance my house right now and this is affecting me negatively. Please do what you can to help me have these XXXX late payments from XXXX removed from my credit reports. Thank you for helping 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 explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2016 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2016-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer make the requirements, we are suppose to receive XXXX in XXXX XXXX points. I made the requirements, I confirmed with Citibank, XXXX XXXX from Citibank confirmed that I am suppose to receive the points on early XXXX. I have not received the points yet. I made multiple attempts to ask Citi to honor the agreement, but to no avail.

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 2015-03-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
CitCards has been charging me a penalty/default APR for over 2 years, yet the pricing information for account says the rate only applies for 6 months. I have brought this to their attention, but they have not resolved the situation, and have refused to do so. 

A copy of my email exchanges with them, as well as their Pricing Information is attached. See the section titled " Penalty APR and When it Applies '' and the subtopic titled " How Long Will the Penalty APR Apply? ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The credit card company has been notified of unauthorized charges and they have ignored my many attempts of reaching out for assistance. I have been a victim of identity theft and let them know that and they left a Credit card in my name open aft e being notified of this. There are many charges and they are now reflecting negative on my credit file. Sears has not done anything to resolve this issue

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened a CitiGold account on XXXX XXXX with an account bonus of XXXX XXXX miles with promo code XXXX. 

In order to be eligible for the bonus, you needed to make least one bill payment for two consecutive months within 60 days of opening your account and make XXXX in debit card purchase. I completed the requirements within 60 days and confirmed multiple times with online reps and through secure messages that I was eligible for the bonus. However, at the time of actually paying out the bonus, Citi said I was not targeted for the promotion. There was no language in the promotion that said anything about being targeted.

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 2016-07-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I signed up for a Citigold checking account with was supposed to give me XXXX XXXX XXXX points when the terms of the account opening were completed. I completed those terms, and now Citi is saying they will not honor my completion. I have contacted them multiple times regarding this promotion and they are refusing to honor 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 non-monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Did not authorize an inquiry. Suspect attempted identity theft. XXXX, XXXX XXXX, XXXX XXXX, SD is the company that made the inquiry. Mi could not find a phone number for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Last Fall Macy 's charged me for an loyalty program I did not buy. 
I asked to have it removed several times. After many months, and escalation to supervisors at Macy 's credit they removed the charge and interest. 
I am now receiving bills again from Macy 's with interest charges with small but incorrect interest charges. 
Macys also failed to update my credit and remove the erroneous late payment information. I can not be late to pay something I did not buy.

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 2017-01-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
A HUD-approved housing counseling agency submitted a modification request on my behalf XX/XX/XXXX. As of XX/XX/XXXX, there has been no decision made, despite several assurances that my documents are complete. These are verbatim examples of texts sent to me by the servicer : 1. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop. 
2. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop. 
3. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your mortgage assistance application. No additional information is required at this time. To end alerts reply stop. 
4. XX/XX/XXXX : Free Msg Alert! From Citimortgage : Your Hardship Application is with Underwriting which can take 30 days. We 'll keep you advised. To end alerts reply stop. 
5. XX/XX/XXXX : Free Msg Alert! From Citimortage : Your Hardship Application is with Underwriting which can take 30 days. We 'll keep you advised. To end alerts reply stop. 
6. XX/XX/XXXX : Free Msg Alert! Citimortgage Assistance Application. No additional information is required at this time. To end alert reply stop. 
7. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop. 
8. XX/XX/XXXX : Free Msg Alert! From Citimortgage : We have assigned a new Homeowner Support Specialist to assist you. A letter/email has been sent. To end alerts reply stop. 
9. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop.

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 2016-12-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
CITI Diamond Preferred Card ( Citibank , N.A . ) emailed me a statement showing due the amount of {$250.00}. They announced that the amount was overdue, and reported to XXXX that {$250.00} was written off, and {$240.00} was past due as of XX/XX/2016. 
FACTS : I have not used that card in over a year. I have never previously received any communication from CITI concerning this balance remaining. I assert that I did not incur that charge. 
Further, when I telephoned them to discuss the matter, the person refused to talk with me about it, claiming that " the account is in transition. '' I then asked to be connected with their security department. She replied " There is no security department. '' CITI should not have reported this account as a write-off without having communicated with me first. The CITI representative should have been supportive of my attempt to communicate with them. CITI is in error. I expect them to correct their errors by clarifying this matter immediately, and by removing the adverse information from the credit report ( s ). 
Citibank ( South Dakota ), N.A. 
Customer Service Center XXXX. XXXX XXXX XXXX XXXX, SD 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 2017-02-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I applied in branch for the Citi XXXX Card. I was informed by the banker that I would be eligible for the " in branch offer '' of XXXX Thank You points and {$350.00} annual fee, as opposed to the online offer of XXXX Thank You points and {$450.00} annual fee. For this reason, I decided to apply. Upon satisfying the sign up requirements, I noticed that my account was only credited XXXX Thank You points and my annual fee ended up being {$450.00} ( similar to the online offer ). Turns out that after a quick google search, that the in-branch offer was only available if you signed up for a checking account as well, however I was not informed this in branch. If I had known that this was the case, I would n't have applied for the card to begin with. I spoke to Citi a few months ago about my complaint, but they were unable to offer a compromise. I am still very upset about this and frankly I feel cheated - I only just found about CFPB and figured that I would document my story here so that others do n't make the same mistake that I did.

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 2015-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
We have been in our home since XXXX. In XXXX, we changed our loan, due to the APR and balloon payment of our XXXX mortgage. XXXX, was the loan processor, here on XXXX. Somewhere in this transaction, there was rob-signing, along with some other issues on the loan. Over the next few years, our loan was bought and sold XXXX times. I processed a loan modification in XXXX, which was approved. Our payments had been around {$4200.00}. with tax and insurance, and were reduced to {$3300.00}. per month. In XXXX, I was put off work by physicians, and we were having difficulty with the mortgage. In XXXX, we applied for a HAMP, ( loan mod. ) and were refused. We have since employed a person for assistance with this issue. It was discovered that our loan, was indeed, fraudulent. Since this time, we have been trying to resolve this issue. We were served Summons papers on XXXX XXXX, regarding a threatened foreclosure on our home. We were to file with the courts, what our intention was, on our property. The summons came from the office of XXXX XXXX. Our issue is with XXXX, and their service company, OCWEN. When XXXX XXXX was contacted last week, they stated, " we do not have a loan with XXXX and XXXX XXXX ''. They could not find us in their system by name or social security number. We submitted on XXXX XXXX, a dispute regarding the multiple offenses regarding our loan. I have attached several letters written by our representative, which were sent to the Court, and the office of XXXX, attorney at law, on XXXX XXXX. These letters are of great concern to us, and we really need our loan, looked at. I will forward our latest billing from Ocwen, which includes penalties, and late fees. This will have our loan number on it. Also I will attach the Summons, and XXXX I will send the XXXX letters written and delivered to XXXX, and the XXXX XXXX, XXXX, Hi I also need to know if this person helping us is fraudulent in any way. Her name is XXXX XXXX, XXXX XXXX XXXX. I also would like to know if XXXX XXXX XXXX has any bad reports. I just started talking with XXXX XXXX XXXX ( XXXX ) regarding this issue and they recommended a quick short sale. We are so confused at this point, we do not know who to trust. Please help ASAP. We only have a week to decide and file with the Courts if we want to short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
when original note are challenge to provide original black ink sign at the time closing, the co-conspirator Ocwen, XXXX XXXX bank XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX forge the note just like a criminal will forge a check the co-conspirator Ocwen, XXXX XXXX XXXX XXXX XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc.
State: VA

Complaint narrative:
Professional Account Management, XXXX, WI, allegedly acting on behalf of the XXXX VA, is trying to collect an " unpaid parking ticket '' in the amount of {$30.00}. The supposed date of the violation was XXXX/XXXX/XXXX. I have called XXXX and P.A.M and explained that on the date cited, I was at the Virginia XXXX XXXX, working XXXX. I have not been in XXXX since XXXX. Further, the citation states that the vehicle was a XXXX. I do not own a XXXX and have never owned a XXXX. Finally the P.A.M. notice states that {$40.00} dollars has been paid and the outstanding amount due is {$30.00}. I never paid anyone {$40.00} and I am not paying anyone {$30.00}. I explained all this to XXXX and P.A.M. in great detail in XXXX and advised them to check their records and find out who paid the original {$40.00}. I assumed it had been resolved, but I got another notice today. If this is a scam, I want them shut down. If this is shoddy record keeping on the part of XXXX and/or P.A.M, I want it stopped. P.A.M. threatens to destroy my credit. If that happens, I want my credit restored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I requested a validation of debt with the collection agency Hunter Warfield when I received a bill for {$510.00}. I advised them that I did not owe XXXX and that I would like all charges verified and explained. I received a letter from credit agency dated XXXX/XXXX/XXXX stating that they received my request for verification of debt and needed more time. THe letter clearly states they will suspend collection activity and credit reporting until they can properly validate the debt. Months passed with no contact or validation. On XXXX XXXX I received a call from the agency attempting to collect the debt. This agent had no record of my request for validation. I advised the collector I received a letter from them acknowleding my request for verification of debt, he asked me if i had a copy of the letter they sent me. I told him yes, but to look in his records if he needed to verify it. I advised the collector that by the Fair Credit Reporting Act they had 30 days to respond and did not, and that per my letter he was not supposed to be attempting to collect on the debt. This agent proceeded to threaten me that he will ruin my credit if i do n't agree to pay. I advised him to look at their records and it will clearly show I requested a Verification of Debt. He repeatedly just asked so you are refusing to pay the debt over and over. I continued to advise him I am not refusing to pay and it was an invalid debt that was disputed with their agency months prior to his call. He continued to disregard what i was telling him about violating the FDCPA and that he could not act like this was the first collection call regarding the bill. I told him by law their time passed and even on the call he could not provide the information I requested 4 months prior. I advised him to research his records and to stop calling me because he is in violation of several laws. The agent hung up on me. A few weeks later I noticed the collection account on my credit report. I sent the agency a certified letter, which they signed for on XXXX/XXXX/XXXX. I advised them they did not validate the debt and that is was not a valid debt to remove from my credit report immediately. I advised them on the treatment from their agent and all the laws they have violated. I informed them that the bill went from {$510.00} to {$2200.00} and that was falsifying information to my credit report. I received a 2nd bill from them dated the same day XXXX/XXXX/XXXX but with the new amount {$2200.00} that again was not itemized of the bogus charges. As of today, almost 6 months later, they still have not responded or removed the account from my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation