vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was looking at " pending transactions '' on my smart phone and web browser and noticed that a transaction from XXXX XXXX, for a hotel stay, was still in pending status. I contacted the general number, and wanted more information regarding why it was still pending. The representative and I discussed the pending transactions but the pending transaction for XXXX was not on the company 's list. Meaning on all of my devices I see the " pending charge '' for {$100.00} for XXXX XXXX XXXX, but this is not on Citi 's system. During our conversation, the rep also mentioned a " pending charge '' from Best Buy for around {$700.00} which is not on my list of " pending charges ''. 

I am greatly confused regarding the difference between what consumers see as " pending charges '' versus what Citi sees as " pending charges ''. This also brings confusion to what actually my current balance and available credit limits are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
DEBT WAS SOLD AND COLLECTION agency SETTLED DEBT AND NOW MACY 'S NOT REMOVING DEBT AND STATING THEY HAVE NO INTEREST IN ACCOUNT, BUT STILL NOT REMOVING AND OR NOT TALKING TO ME. DEBT ALSO WAS LIST AS IDENTITY THIEFT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank Best Buy Credit Card will not stop harassing me. I do not even have this credit card. The Best Buy automated calling machine has now left about XXXX messages on my home phone. The messages ask me to call XXXX. I called this number and asked them to stop calling. I confirmed that I am not the person they are looking for, gave them my number and they assured me it will be removed from their computer. The calls stop for about a week and then resume again. After XXXX unsuccessful attempts to get them to stop calling I am contacting you hoping that you can make them stop. Please help!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I booked a flight on XXXX. After I put in all my information, a window came up offering me XXXX bonus miles after qualifying purchases. I applied for the card based upon their offer SPECIFICALLY to me. I complied with their qualifying purchases. I did not receive the bonus miles as they have a policy of not rewarding cardholders who opened or closed an account within 24 months. I do not remember reading such a qualification when I applied for the card or I certainly would not have completed the process. IF such a qualification appeared at all, it was not prominently displayed as was their offer. Citi is linked to XXXX as every time I make a purchase with Citi my mileage account at XXXX is credited. They should not make such a bold offer to me after I enter all my contact info if I do not qualify for the offer!

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 2015-12-05 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My problem is with Citibank credit cards ; in particular, it is about paying a Citibank credit card with a XXXX XXXX checking account. To clarify, I have XXXX Citibank credit cards that I tried to pay : a Citi Forward card and a Citi Double Cash card. In XX/XX/XXXX, I changed the bank account that I use to pay for my Citibank credit card. The bank I had previously used was a Citibank account, but I switched to a new, XXXX checking account. I verified this new bank through Citibank 's online verification process, and I was able to pay other, non-Citibank cards with this XXXX checking account. However, when I paid my XX/XX/XXXX Citibank credit card bills, my payment was rejected, and I was charged a " return check fee '' by Citibank. This meant that my payment was late and a late payment was most likely reported to credit bureaus, even though this checking account had been used to pay off other non-Citibank credit cards. When I called Citibank, they told me that they had tried to access my XXXX checking account, but that XXXX had told Citibank that my checking account was frozen. However, when I called XXXX, they had no record of Citibank ever even trying to access my checking account, and they confirmed that my account had never been frozen before. As such, I called Citibank back and asked them to send me proof that they had tried to access my XXXX checking account and gotten a " frozen '' response back from XXXX. It took them weeks to get me the letter of proof, and when it arrived, it did n't have any information about a XXXX checking account or anything I could show to my XXXX Bank to get to the root of the problem. At this point, I do n't know where to turn, because it seems like Citibank had an error on their part that made them unable to contact my bank, and they 're blaming me for that error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
We paid our XXXX XXXX payment to Ditech financial and they applied it to our escrow acct. 
We have been getting late notices and late fees and we have called numerous times and they said it 's there fault and a service request has been submitted but there far behind so it will take about a week. Well I call every week and I get the same song and dance. Now today I received a letter from a collection agency stating that they want that payment and late fees! 
I am at my wits end with this company they are going to ruin our credit!! 
There is no one else to speak to when I ask for a supervisor to try to go higher up. 
I just want my payment to be taken from escrow and applied where it should have been applied this company is a joke.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NH

Complaint narrative:
In XX/XX/XXXX I almost lost my home due to foreclosure. I applied for a modification threw XXXX XXXX. My XXXX mortgage. Then they sold to XXXX XXXX XXXX during the process. Fee 's were tacked on from lawyer Fee 's to administration Fee 's as well as a higher interest rate. My XXXX mortgage followed suit, Green tree. Green Tree bought my XXXX mortgage from XXXX XXXX. After fighting with XXXX XXXX XXXX for years I contacted HUD urban housing in XXXX N.H., XXXX XXXX was my contact. Around XX/XX/XXXX he got me a new loan modification threw XXXX XXXX XXXX threw the HAMP program. Green tree was supposed to follow suit but did n't. They have given me the run around for years and caused my credit problems to late payments of my XXXX mortgage. My original XXXX mortgage was {$400.00} a month. My current XXXX mortgage payment is {$770.00} at 9.25 % interest under there modification payment and interest doubled. Also the principle increased. They insist it is not there fault and XXXX XXXX is the lender. I have contacted XXXX XXXX and they are NOT the lender. Green tree also just became Ditch. Any help or would be appreciated. 
XXXX N.H.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
As per your XXXX XXXX, XXXX, correspondence CFPB Compliant XXXX XXXX. My XXXX mortgage originated from XXXX XXXX XXXX to XXXX XXXX XXXX in XXXX. Then it was transferred to from XXXX in XXXX XXXX, to Green Tree Servicing LLC. Only a XXXX mortgage was in the aforementioned. There is no Florida Statue that state that XXXX or Green Tree Servicing LLC can create an alleged XXXX mortgage out of thin air. Then hold my XXXX mortgage hostage from being refinanced by another entity. However, there is a Florida XXXX XXXX XXXX, Statue Of Frauds, Fraudulent transfer ch. XXXX. Thus, this is not only Florida XXXX it is a XXXX XXXX. Because, You are trying to extort {$93000.00} across State lines from me. Thus, I demand you release my XXXX mortgage to be refinanced immediately. XXXX days from this memorandum -- I will turn this case over to the Attorney General Of The State of Florida and the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Re : XXXX XXXX XXXX, Property : XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX. 

I entered into a modification " Making Home Affordable '' under the HAMP program for my home mortgage in XX/XX/XXXX. At this time, part of the incentive ( contract ) is that my mortgage is to remain at 2.125 % for the first XXXX years. On the interest piece, DiTech is complying, however, along with this stipulation, I am to receive a {$100.00} credit per month to be applied to the principal ( or {$5000.00} ) at the end of XXXX years, so long as mortgage payments are received on or before the XXXX of each month. These accruals stopped appearing on my monthly mortgage statement as of XXXX XXXX. The last accrual of {$83.00} appeared in XXXX XXXX ( which was incorrect ). 
I just called into DiTech today, XXXX/XXXX/XXXX and this " Accrual Incentive Balance '' is nowhere to be found. 
Please help!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Innovis
State: MI

Complaint narrative:
CBCINNOVIS, XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX have made XXXX hard pulls on my credit in the past 6 months, affecting my credit rating. I have made no applications for credit in this time and have no outstanding or unpaid debts. This is harassment and is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
A company called Ditech apparently have purchased our mortgage. We have called them and vice versa, and they will not talk to us unless we agree to have them record the conversation. We do not agree to this, so they will not provide us with any information or listen to our questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: GMA Investments, LLC
State: TX

Complaint narrative:
I received a call today from an aggressive collector at Summit Receivables regarding a payday loan he advised I obtained in 2009. I did not recall anything related to what he was talking about. He advised if I did n't have the {$1100.00} today they would move the file to the legal department for asset and income verification. He then asked me if I have ever been sued before. I asked if that was what he was going to do. He repeated the question. When I advised I had to go as I was at work he then yelled " Stop being a degenerate and pay your bill ''. I advised him this was an FDCPA violation and he then said " No, it 's not '' and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: PAY-O-MATIC
State: WV

Complaint narrative:
Pay-O-Matic cashed XXXX of our checks to a customer without verification. We had stopped payment on the check at the customer 's request. Now, they continually harass me and my company 's management regarding this check.

Company response to consumer: Closed
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
In 2013 the XXXX of XXXX airport, XXXX, seized my mobile home park and all the houses in it. XXXX relocated the residents under eminent domain. I still owed $ XXXX on my mobile home. XXXX settled that account with the mortgage holder, GreenTree ( now DITECH ). I had nothing to do with that transaction. I continued to make my payments to GreenTree on time during the transition from XXXX address to another. I now learn that DITECH is making " derogatory '' reports at XXXX and XXXX, stating that the account has been settled for less than the agreed upon sum. That sum had nothing to do with me ; this is between GreenTree and XXXX, the entity with who they made the agreement. As a displaced person I had no say and no choice in any part of the payoff process. I want that negative mark removed from my credit reports, or some addendum to eliminate any suggestion that I changed course while under contract with GreenTree/DITECH.

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 2016-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I can not get Ditech Financial to process my XXXX XXXX to my account. This will be my 2nd attempt in getting Ditech to process the Dodd-Frank Certification with zero assistance. My first attempt was on XXXX XXXX, 2016. The documents sent into Ditech three ways - mailed, faxed and uploaded ( located Hardship Uploads ) on to Ditech webpage to my account profile as directed in notice dated XXXX XXXX, 2016 - Ditech failed to process these documents. 2nd attempt XXXX XXXX, 2016 - Mailed, faxed and uploaded on to Ditech webpage ( located Hardship Uploads ) as directed in notice dated XXXX XXXX, 2016. Detech keeps sending me the Document to fill out but refuses to apply the document to my account status adjusting my balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
GREEN TREE SERVICING, LLCI received a " Your Mortgage is in Default '' letter XXXX XXXX of them to be exact ) due to XXXX missed payments, but I have the bank statements to prove otherwise. In the meantime, I have storm damage and awaiting their endorsement of my homeowner 's insurance draft in order to complete repairs XXXX which includes mold growing in the walls ) that they have yet to return. How does this company have a license to stay in business? They have been doing this for years and nothing ever happens to them. I had no control of them taking over my mortgage and would have protested that had I been made aware of the sell of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Dream Center Education Holdings
State: WA

Complaint narrative:
In 1997 I was XXXX, just had a baby and just received my XXXX I thought the best choice for me would be to get further education. I saw an advertisement for both XXXX tech and The XXXX XXXX of XXXX. I set up tours to both schools. XXXX XXXX XXXX told me that they would recommended that I NOT enroll at that time due to my age and the fact that I just had a baby. I then went on a tour at the XXXX XXXX. I remember the recruiter stating that the only way I can go to school there is if I claim independence from my parents. At the time I lived with my grandparents and they supported me and acted as parents. The recruiter stated that all I had to do is write an essay explaining that I was independent of my parents then their income would not be counted. The recruiter then helped me write this essay so that a loan could be issued. I was in class less than 4 days later. I graduated at the age of XXXX and attempted to find a job. I went on several interviews and was told that I was too young to work around the equipment and that it would be a liability to hire me. The career office never assisted me and I ended up getting a job as a XXXX and never using my diploma. I have yet to have a job in my area of study to this day. I feel that at the age of XXXX I was misled and taken advantage of. I have since then went back to school and was able to find a career in XXXX. Over the years I have told every single loan servicer my story. I have been informed that I was at the age of majority and therefore able to legally sign a contract, even though I was a minor. In recent years the DOJ has sued XXXX XXXX XXXX XXXX XXXX for improper recruiting techniques. There is also a judgement stemming from a lawsuit that recruiters were given incentives to enroll students. I believe this practice is the very reason that I was urged to write that essay and allowed to obtain a loan worth over {$10000.00} at the age of XXXX. Some students are getting their loans forgiven because of this judgment. I fear that I will not be included as my loan was obtained in 1997 which is before the time period of the lawsuit. This is my first step in the process of seeking assistance in this matter. I would like my loan forgiven on the basis that I was a victim of improper recruiting techniques and that I was in essence manipulated to write an essay that was filled with half truths in order for the recruiter to obtain a bonus or increase enrollment numbers. This was not done in the best interest of the student but rather the best interest of a For-Profit college. The recruiters at The XXXX XXXX of XXXX should be held accountable for their actions and my loan should be forgiven. Thank you for any help you can provide in the matter as it is not clear how one would go about applying for debt forgiveness.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I received an application for another citi AA card with XXXX bonus miles if I purchase {$3000.00} with first 3 months. I have had my primary card for approx short of 2 years and has been in excellent credit history and payment history. I was surprised that they were asking me to apply for a second card, but I figured the extra mileage points were a welcome and they would waive the annual fee for the first year. I applied for the card and I was accepted. I remember reading that I had to purchase {$3000.00} within first 3 months of the the new card to get the rewards. WHY because I could not find any mention of ANY rewards with my new card on line until I called customer service and was told of the terms I have stated above. I also submitted a comment that there was no mention of awards on my new card. Now after months of back and forth with CITI customer service on line with form letter responses, I finally get a real response from a senior complaint specialist stated that " from time to time we send promotion to customers who dont qualify for the promo even if they open a second account, our apologies but sorry '' They are contending that since my first card was less than 24 months open ( 21 months in XXXX ) I was not eligible for rewards but did get a second card which I have charged over XXXX dollars already. 

I stated that they have misled me and I would have never opened a new account if I knew that I would not be eligible for promo mileage bonus. I have been an exceptional customer and a fairly educated man and I can not believe that they can get away with this irresponsibility. This is wrong! Flat out wrong and misleading! 

I hope you can get through to them since I can not. 

I appreciate your help Sincerely 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 2015-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
In XXXX 2015, I was contacted by Di-Tech and informed that my escrow account had a shortage. I was given the option of having the shortage rolled into my monthly mortgage note or to pay the difference so the mortgage note would keep its regular balance. I opted to pay the {$320.00} to keep my mortgage note the same so I paid the balance over the phone. I was contacted 3 weeks later by Ditech with the same exact scenario. I told them I had paid the balance and asked them to update their records. Every three weeks thereafter Di Tech has contacted me telling me that I owe money and then charging me late fees. For example, on XXXX XXXX 2015, I sent my monthly mortgage note to Di-Tech. I received a call on XXXX XXXX saying that they had received a payment and I needed to pay over the phone to avoid late fees. After paying over the phone, I found my XXXX statement which showed that they had received the funds but the funds had been " unapplied ''. I have spoken to several supervisors about this issue and each supervisor looked over the account notes, apologized profusely, and told me they would sent me an update escrow analysis sheet. I have yet to receive XXXX updated escrow analysis sheet.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation