vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC
State: FL

Complaint narrative:
I was contacted by a couple different collection agencies. Unfortunately I was not aware of the difference at the time because the representatives who contacted me spoke in a mumbled voice and had heavy accents. Bay Area Credit Service stated that I owed them {$2000.00} on XXXX/XXXX/XXXX. I spoke to them on the phone several times however we did not reach an agreement for the settlement. I continued to be contacted, unaware of the new agency, and continued to try to settle. At this time I was being contacted by XXXX who started to contact me on XXXX/XXXX/XXXX in reference to the same account number. Finally on XXXX/XXXX/XXXX I reached a settlement with Bay Area Credit Services to pay my account number XXXX. I received a paid in full receipt and the agreement in writing. The original debt was still the " XXXX XXXX XXXX '' debt I was talking to them about this whole time. Well when I check my credit report I was sent to collections by " Credence '' for the XXXX debt which I thought I had settle earlier that month. Bay Area told me specifically that I was paying my debt from the " XXXX XXXX XXXX '' in full with them in the amount agreed upon. I did not know that part of the debt had been forwarded elsewhere, and they tricked me into believing that I was cleared out this debt in full. Had I known this I would of continued to try to settle the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a new credit card account ( ending in XXXX ) with Sears Citi Credit card. The reason for opening the account was essentially taking advantage of special promotional offer of 0 % interest for 18 months. My opening balance was {$4600.00}, which was the purchase amount of refrigerator, washer and dryer. At the time of opening I was only told that i can carry a balance for interest free for 18 months from XX/XX/XXXX to XX/XX/XXXX. I would like to stress the point that I was not given a chance to read through the contract as it was all shown on a small screen/ credit card swipe machine. Now from what was conveyed to me verbally, I or any reasonable person would infer the you can hold a balance of any amount upto the credit limit for a duration of 18 months interest free. Relying on this information I used this credit card to made more purchases which brought up my balance to roughly {$6000.00}. Now i was expecting that i can carry this amount interest free till XX/XX/XXXX however sometimes later Sears credit card started charging me interest of the amount greater than the opening balance of {$4600.00}. What i felt was that i 've been con as well as being given wrong information about my credit card interest fee/charges and made a material difference in decision making. If i knew that only the opening amount/balance is interest free and not any amount exceeding it then i would n't have used this card to make purchases and should have used my other credit cards to balance the expenses interest free. This make me think that if i was a victim of this wicked trickiness then there must be many who fell for the same cheating promotional 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 monetary relief
Consumer complaint received 2016-08-25 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Unfair and deceptive marketing practices : 1. Sent information about a cash advance, which I took 2. About 6 months later, sent information on upgrading to a Citi XXXX Card 3. Once this happened, my cash advance started to accumulate interest, which was XXXX Interest at the time.

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 2016-09-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
Citibank is incorrectly reporting a 30 day late payment when the payment in question was received only 8 days past the due date. The payment was not received within their billing cycles, which is why they see it as being appropriate to report 30 days late. 

I have included the original dispute letters sent via certified mail to Citi 's dispute center along with payment and statement history. I am working hard to improve my credit and this was an undeserved set-back. 

Sincerely, 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 2017-01-03 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Every month XXXX is supposed too update balance and payment history. Citicards fail to update XX/XX/XXXX balance to all XXXX XXXX reporting agency. XXXX, XXXX and XXXX. I Called Citicards and ask for the supervisor who told me there is nothing she can do about it. There is no way for her to get in touch with the credit report department to find out why they did not send the month of the XXXX statement to credit reporting agency. It is Now XXXX and there still is no update for XX/XX/XXXX. It is still showing XX/XX/XXXX statement. Now I am going to be missing history for the month of XX/XX/XXXX for this account XXXX. The balance was supposed to be {$500.00} for the month is XX/XX/XXXX and it never updated and now it the month of XX/XX/XXXX. I attached each Credit reporting agency report to show proof that was no update for the month of XX/XX/XXXX And I sent XX/XX/XXXX billing Statement I want it updated right now.

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 2015-08-19 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: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
This case has been going on for over ten years and little by little Weltman, Weinburg, & Reis co. L.P.A. have been extorting money from my accounts in small increments. They are so sneaky that when I reviewed my credit reports, this debt never even showed as a viable debt to the credit reporting agencies, this could only be reported as an inquiry. This is why I never caught it, regardless of which ever judge agreed to this Judgement, that is fraud! This all stems from an advertisement circular " XXXX '' that I reached out to increase clientele volume at that time. With any and all marketing executions it is always required that you sign off on an advertisement before circulation. The XXXX INC. DBA XXXX XXXX XXXX took my initial signature of proceeding to do business with them and based there entire approach off of that, and they knew that!! there were multiple mistakes made on there part, all of which needed to be corrected but went forward with the circular any way. " They even put the wrong number on the circular '' This company is no longer in business and I am not the only person they have manipulated and taken complete advantage of. this has grown to {$10000.00} in total debt, and the collection firm and the owners of the XXXX XXXX have not only betrayed my trust, but this law firm has colluded with the owners of the XXXX XXXX and creating this trumped up debt. When I walk into the bank now, I am just so mortified, do to the lien that has been placed on my account. This money that was taken was Federal grant money that was given to me for my education on completing by bachelor 's degree in science, with certification in digital integrated marketing. In closing I have always done the right thing since the great fall out I have acquired my XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX " Life, Health, Accident, Disability and Annuities '' I am not one to look for an easy way out, I grind out and get things done. These little individuals want something so now they are going to get it.. I WANT CRIMINAL CHARGES BROUGHT AGAINST ALL PARTIES THAT ARE INVOLVED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was 1 month late with a credit card in XXXX and I began receiving phone calls from Citi XXXX XXXX a company under Citibank. Even though I began paying down on the debt they continued calling me, between 4-7 times a day, no less than 100 times a month. I am current with my bill and am still receiving calls from 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 2015-08-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Kross, Lieberman & Stone, Inc.
State: NC

Complaint narrative:
I have previously disputed this account and the Kross Lieberman has stated that they did not get the documentation even though I have previously attached the police report and id theft affidavit. I have additionally faxed prior to this complaint all the information pertaining to this fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX that " Your XXXX Anywhere XXXX ( XXXX ) statement is ready. '' This was the first notification I have ever received from Citi that a statement was available. I received this card on XX/XX/XXXX, when XXXX ended their relationship with XXXX. XXXX transferred my recurring XXXX membership payment to this new card without my knowledge. 

When I logged onto the Citi website to review the XX/XX/XXXX statement I discovered I had been charged {$100.00} in late fees and interest in addition to {$55.00} for the renewal of my XXXX membership on XX/XX/XXXX Despite enrolling in paperless statements when I received the card I had received no previous notices that my statement was avaiable, so I had assumed there had been no charges on the card. 

I attempted to get the late fees removed by discussing it with multiple Citi representitives on the phone and by on-line chat, but all they were willing to do was refund XXXX of the late charges, and only after I paid the current balance. On XX/XX/XXXX I paid {$120.00} and a late charge of {$37.00} was removed from the account. 

I want the remaining late fees and interest of {$65.00} to be credited back to the account. Citi failed to notify me of the outstanding balance until XXXX months and XXXX statement closings after the first statement went unpaid. The only charge ever made on the card was the XXXX membership, which I received no notification of from either Citi or XXXX. If XXXX of the late charges was refunded why not all of them, as they arose from the same incident. 

I have included XXXX statements, XXXX emails and transcript of the chat. 

Thank you for your assistance.

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 2016-04-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My Best Buy Credit Card, member since XX/XX/XXXX, was purchased by Citibank. I was charged the annual fee XX/XX/XXXX which covers the card through XXXX XXXX. My card expired in XX/XX/XXXX, I received a notice dated XXXX XXXX that my card would not be renewed due to a review of my credit. While I do not want the card or any account with XXXX, I do think its unfair and deceptive of Citibank to collect my annual fee, notify me after the card expires that my account has not be renewed. Why are they not required to do it prior to collecting the fee? To add more insult, they refuse to reimburse or credit the account for the annual fee. I was told that it could not be done systemically. I spoke to XXXX different customer service reps who all advised me of the same thing. They have also prevented me online access to my account to make a payment and I now have to call or mail my payments by mail. I also contacted them through social media and was promised a call within 48 hours and they have yet to contact me. My tax dollars went to bail out this bank yet they can not do anything to help the average customer.

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 2016-06-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have been with my credit card company Sears for over 20 years.I recently have been having fraud against my account Sears dispute process credited money back to my account then reversed the credits?? I called and complained they canceled my card and refused to send me another one.This happened on Sat XXXX XXXX they said XXXX would be next day aired to me because I needed it asap it never showed up.I called them today XXXX XXXX and they were extremely nasty and rude and were charging me interest on fraudulent charges after a partial credit was given.That was the last time I said i would do business with them and they were disregarding a very important matter and a long time customer.

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 2016-07-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX, I responded to a Citibank Gold promotional offer to open a Citigold checking account and receive XXXX XXXX XXXX XXXX provided I met certain requirements. 
I later met the requirements, and confirmed with Citibank via their online secure messenger on XXXX XXXX, 2016 that I qualified for the promotion for which I have a copy of communication. 
However, on XXXX XXXX, 2016 I received a communication telling me that I no longer qualified and would not be receiving the promotion. This was after charging me XXXX dollars in fees to keep the account open while I awaited the promotion. 
I spoke with them on XXXX XXXX and they credited my account for XXXX dollars in fees, however they could not guarantee that I would receive the XXXX promotional miles.

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

Complaint narrative:
Macy 's credit collection keeps calling claiming that i am late on my credit card payment, even though both myself and the customer service department clearly see the marked the payment. I keep asking for a supervisor and get a real XXXX attitude form the people helping me to the point where i hang up in frustration. 

Further more they keep sending my credit card to a bad address locking me out from making online payments and forcing me to go to the store to do so. which is a huge inconvience for me since I live far from a story. 

This is the worst experience i 've had with a credit card and refuse to deal with this unless there is interjection from you or the corporate office or a supervisor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I contacted Macy 's credit card customer service in XXXX. I had been off work for medical issues and needed help making my credit card payments for awhile. I talked to a woman who said she would set me up on a 12 month program. She was reducing my monthly payment to XXXX dollars, lowering my interest rate to 3 percent and moving my due date to the XXXX of every month. In order to do this I had to close my account, which I agreed to do. I logged into the credit card website in XXXX to make my payment, and my account reflected the payment program. I made the XXXX dollar payment as agreed and was charged XXXX dollars and some change in interest. Come XXXX, I log into my account to make my payment. Well now my payment plan looks to be non existant, my account is still closed and I 'm showing as XXXX dollars past due! I desperately try to get anyone to help me. I called over XXXX times and each person told me they could n't help me and to call back. They gave me the number to the department who handles hardship accounts, to which I left a voicemail and never got a return message. I did XXXX online chat sessions, where both people would not help me. I submitted XXXX online secure messages, I sent XXXX complaints to the XXXX. I just do n't know what to do! No one will help me or even acknowledge me!!! This is ruining my credit!! I feel I was lied to, mislead, and tricked into being put on a program and having my account closed when that 's not what actually even happened! I need someone to help me! When you look at my statement for XXXX, it shows a payment plan and 3 % interest, but when you look at my XXXX statement it reflects XXXX dollars of interest, late fees, and past due amounts! This is seriously stressing me out. I feel like they have all this control over my credit and are just ruining it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
This is a complaint against EBAY and PAYPAL ( this XXXX is addressed to PAYPAL, another will be filed for PAYPAL ). I logged onto my EBAY account to purchase an item ( a watch ). 

I had previously set up a credit account with PAYPAL, for {$3700.00} in credit. 

The EBAY listing offered a payment plan beginning at {$55.00} for 24 months for PAYPAL CREDIT I decided to take advantage of these terms. I then clicked the radial that says " Commit to Purchase ''. When I was then brought to the payment screen, the financing opportunity was no longer available. Essentially, I was lured into committing to purchasing the item with credit terms, and then once I did commit, the credit terms were removed. I called EBAY and they said it was the fault of PAYPAL. I called PAYPAL and they said there was some type of security issue with my account and they would fix it. It was never fixed. I called EBAY this morning ( XXXX.2017 CST ) and was told that sometimes credit terms will be listed on items, when there is actually no credit terms available, but you do n't find out until you committed to purchase the item. The agent at EBAY was rude and acted like this was my fault. I do n't recall her name, but the code to get to her was XXXX. She did n't seem to realize the gravity of the situation. Meanwhile the seller opened a case against me for non-payment. I was forced to scramble to find an alternate means of paying. EBAY and PAYPAL have colluded to incent a customer to purchase an item with false terms. This is clearly a violation of UDAAP and likely other state consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc.
State: MO

Complaint narrative:
I am filing this complaint in response to letters from both Caliber Home Loans, and XXXX as their representatives, regarding a foreclosure sale scheduled for XXXX XXXX, XXXX. I have repeatedly requested visual proof of the " alleged '' original hand signed loan documents, to which I have received no reply. I sent a RESPA request on XXXX XXXX XXXX by certified mail, to which Caliber was required to respond within 30 days. There was no response from Caliber within the legally prescribed time frame, and when I did receive something from them, the documentation was incomplete and contained photocopies of documents that either did not exist, or which had been altered, from the original file.I have XXXX " different '' copies of the note from previous inquiries on this alleged debt which prove that the original documents have been altered at some point. I also have a photocopy of the " right to cancel/rescission '' document that contains signatures which we have contended were not ours for the past two plus years, since we became aware of the document 's existence for the first time. I went to the title insurance company associated with this file on Friday, XXXX XXXX, XXXX to view their file. I asked them to show me the copy of the " notice of right to cancel / rescission '' form from the original file, as this is the document that we maintain is the forgery, placed in our file that we have never before seen or signed. The form does not exist in the original file, as required by Missouri law, and the office manager has stated he is willing to testify that the form was never part of the original file, thus proving that the form submitted by both XXXX XXXX XXXX and Caliber Home Loans at different points in time is clearly a forged document. I am demanding this foreclosure be stopped as there is no clear evidence that Caliber Home Loans has any legal right to our property, or any debt against it and that their behavior is questionable at best, if not clearly operating outside of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi mortgage said I was being transferred to XXXX effective XXXX/XXXX/2016 and as of XXXX XXXX, 2016 they was not accepting any further payments. I called XXXX and gave them the account /loan number which Citi mortgage provided. XXXX had no knowledge of me nor the loan/account I gave them. I contacted Citi Mortgage according to their records I was transferred. On XXXX XXXX, 2016 I was informed the transfer was RESCINDED and a letter was sent on XXXX XXXX, 2016. I have not received this letter. I want to know the reason why the transfer did not go through. No one at Citi Mortgage can tell me the reason why the TRANSFER was RESCINDED. As a consumer I have a right to know.

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