vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank took over the credit card service for Costco members. I received a new Citibank Visa. Then, I received one statement and paid it. My FICO score is well over XXXX because I pay all my credit card bills on time and in full. On the next Citibank statement I received, it showed an unpaid balance from a previous month, a late fee of {$25.00}, and interest of just over {$7.00}. Citibank claims I should have known the billing cycle was that payments were due on the XXXX of the month. With only one bill having been sent, there was no " billing cycle. '' Clearly, Citibank is taking advantage of consumers by failing to send statements and, then, collecting {$25.00} late charges and interest. With the thousands of Costco members, Citibank could end up with millions of dollars, with this scheme. I strongly suspect that Citibank is engaged in this scheme, for profit, taking advantage of its new relationship with Costco members and the members ' lack of familiarity with Citibank 's billing.

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 2015-04-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: TN

Complaint narrative:
Billing or Collection Issues - The company has processed an unauthorized bank debitProblem : i get my ss money thur direct express debit card on XX/XX/2015 @ XXXX i went to atm my card was declined, @ XXXX i called bank, was told on XX/XX/2015 someone in XXXX fl, request change address and a new card in my name, it was sent out, on XX/XX/2015 in XXXX transactions my acct, was wiped out, i want this company to give me my money back,,, i have filed police report wth XXXX city police, XXXX XXXX @ XXXX report # XXXX, went to ss office had them change to another bank so on XX/XX/2015 my money will go into new act,, the direct express card was, closed, i filed on line police report wth XXXX police dept, also, also filed fraud wth federal trade commession, ref # XXXX, and credit agency.and filed wth idenity theft resource center, ,please help if you can,,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Exxon/Mobil Consumer Credit Card ( Citibank ) provided electronic billing services to us reliably for an extended period of time as I have been a card holder since 1998 for over 18 years. At some point they decided to stop ebills and began sending emails. These emails were going into our junk mail box and when unseen by us for payment. Our balance was very small. For 90 days there was no calls or letters to notify us of the late payments until we received a XXXX package. In shock we immediately paid the full balance and called customer service to apoligize and learned that my credit was impacted with a severe 90 day late pay. We appealed with no results and my credit is now devastated through no fault of my own. I could accept a 30 day late but can not accept this outcome.

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 2016-10-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Several months ago I filed a complaint with your office against Paypal for their unscrupulous, unethical, bullying and probably illegal business practices. That Complaint # is XXXX. They surreptitiously permanently shut down our account for ONE violation in 15 years and refused to release the funds on deposit in our accounts. The money was released, and we moved on. 
Now, almost 8 months later, we find our accounts have remained open, but permanently restricted. We will never be able to use them again. We have XXXX accounts, each of which has a credit card and banking information attached to it. We do not want our banking and credit card information floating around in cyberspace in perpetuity. 
We reached out to Paypal to close both accounts and they have flat-out refused to do so. Their reason for refusing to close out our accounts is not plausible. In today 's day and age, I am sure there is a program or two that can keep track of Paypal 's closed accounts. They are just continuing to engage in their monopolistic, bullying, arrogant, and unethical behavior. 
Can you please help us get these accounts closed so we can move on from this God-awful company once and for all. 
I am attaching copies of Paypal 's responses to our request to close out our XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Chrysler has defrauded the CFPB with their false response to my claim, Case number XXXX claiming to be in process of fixing my problem. They instead continue to harass me with telephone calls demanding money that I do n't owe them. This is despite me telling them on numerous occasions, including by written notice, to CEASE and DESIST. Just this morning, XXXX XXXX, almost a full MONTH after promising to fix their mistake, they once again made a harassing telephone call to me, at XXXX PST. My account information visible online still falsely shows that I am supposedly delinquent in my account, which I am NOT, even as confirmed in their own letter responding to my original complaint. I am hereby formally asking the CFPB and any other Federal agency with jurisdiction to take appropriate enforcement action as required by law against this utterly incompetent and corrupt outfit!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
PRIOR to opening a CitiGold checking account, I confirmed via chat while logged into my Citi accout that I was eligible for a promotion to receive XXXX XXXX XXXX miles. The agent stated, " I checked with my resources and see that you are eligible to earn bonus of XXXX XXXX miles as existing credit card member and you do not have checking account with us. '' I RELIED on this information and proceeded to open the account and completed all requirements for the promotion. I even confirmed via secure messaging that I had met all requirements. The agent told me the miles would be credited to my XXXX account by XXXX XXXX, 2016. However, another Citi agent later told me I was NOT eligible for the promotion, and the miles have not posted.

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 2015-12-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Co signed a loan for an individual in XXXX customer then defaulted and the car was auctioned then I settled in XXXX with this company Santander for XXXX and they have not applied the XXXX to the account and now I am being harassed and the account is reflecting on my credit. This original debtor is deceased as of XXXX XXXX and I have sent them the proof of the payments I have made to them. The deceased individual estate should have taken care of all debts what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a letter in the mail from Macy 's stating that it 's attempt to email me my monthly statement was unsuccessful because the email was returned as " undeliverable. '' The email address that Macy 's listed in its letter is in fact my email address, and I have never had issues receiving emails before. The letter from Macy 's was sent to me after the due date of the bill. Macy 's made no attempt to contact me by phone or by mail prior to the due date to advise me that it was having issues emailing me my statement. In light of the fact that Macy 's notice to me was sent after the due date of the payment, combined with Macy 's failure to contact me prior to the date, makes it obvious that Macy 's is engaging in illegal behavior. While I have no way of knowing how many other people against whom Macy 's engaged in this scheme, I hope that the CFPB will receive other complaints and will respond with the appropriate measures that the CFPB has successfully used against other creditors who engage in similar deplorable behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Judgment XXXX In the Matter of the Marriage of XXXX XXXX and XXXX XXXX in the District Court XXXX Judicial District XXXX XXXX County, Texas XXXX Final Decree of Divorce. " It is ordered and Decreed that the husband shall pay, as a part of the division of the estate of the parties, and shall indemnify and hold the wife and her proerty harmless from any failure to so discharge, these items : Debt owed to Sears, Account Number ending in XXXX. Per the Divorce Decree I closed the account and added XXXX XXXX on the account. Since, the divorce XXXX XXXX XXXX has missed several payments which are now on my credit report. I have contacted Sears at XXXX which acknowledge they have a copy of the divorce decree but will not remove or modify the credit report. Per customer service will continue to report any future late payments from XXXX XXXX to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XXXX XXXX, 2015 I received a phone call from my mortgage company Citifinancial. They told me that I was missing a payment for XXXX of 2015. When they took me through their payment history i had actually made the payment on XXXX XXXX. They told me they would credited that payment to XXXX. A couple of hours later I received another call this time they said I missing a payment from XXXX of 2015. I went through my bill pay for the month of XXXX and seen that it was deducted from my bank account on XXXX XXXX. When i relayed this information to them i was asked to fax a copy of the canceled cashiers check that my bank uses for bill pay. I did this. i received three calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. With each call I had to retell about the faxed copy of the alleged missing payment. On Wednesday XX/XX/XXXX I was informed that a ticket had been made to research the missing payment and they would have an answer for me on Monday XXXX XXXX. I have received calls twice daily Monday and Tuesday urging me to make a payment because my account is in collections. Tuesday XXXX at XXXX XXXX XXXX I received a call and immediately asked to speak to a manager her name is XXXX . She asked me for a payment also but this time it was for a missing payment in XX/XX/XXXX. I then asked how this payment keeps changing months so she suggested we backtrack through my payment history. We went through from XX/XX/XXXX to XX/XX/XXXX but this time she came up with that missing XX/XX/XXXX payment. I asked her to read the notes made and it says that this matter is being investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-22 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I applied and was awarded a Sears Citi Credit card in XXXX 2013. They approved and awarded me a credit limit of {$6000.00}. I have paid consistently without incident. Now they have dropped my limit to {$4800.00} which has impacted my credit score because I owe {$3800.00}. So instead of being {$820.00} away from be 50 % below the limit the credit limit keeps getting reduced as I pay the credit card down. So my credit score is lower then what it should be due to no fault of my own. Please request that Sears increase the limit back to {$6000.00} as originally agreed. They do not have to permit or allow any future charges, but I want my credit score to increase by having them maintain our original agreement. Thank you for your assistance with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
My 10 year interest only loan had expired in XX/XX/XXXX. In XX/XX/XXXX, I applied for a loan modification with Citibank. I have all the email requests for multiple requests for the same information, many times. Each time it is submitted to the underwriter, it comes back with a new request, plus a repeat request. It is now XX/XX/XXXX and my modification has yet to be approved or denied. In XX/XX/XXXX, I requested a new person to work my account, received assurances that I would get a weekly update ( email ), never happened. With the new person, he has had 7 months of requests and re-requests with no foreseeable end to this process. In the mean time, my credit is being destroyed. I want Citi to know what is taking place in the business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Citi/Best Buy Bank, I am submitting a claim on my credit card because I have been scammed. I was lead to believe they were going to try to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get on his feet with a business, to look into getting solar panels to help on our electric bill, and help pay on my credit cards because I been helping my son and daughter out. This company has pulled funds with the following information and date : XX/XX/2016 XXXX XXXX {$3000.00} Please reverse these charges as I do not except these charges. Please Help 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 2016-05-23 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: FIDELITY CAPITAL HOLDINGS, INC
State: TX

Complaint narrative:
Looking at the documentation that was provided to me by both the credit collecting agency and the " Orginal debtor '', I have several concerns. The alleged receipts concerns me. ( I 'll refer to them from here on as " receipts '' but they are a list of charges with not explanation. I do n't believe they are valid receipts. ) The " Original '' receipt is just a list of charges with a signature from the manager at the time. When I contacted the debtor, it turns out that the original manager is not only no longer working there, but it was purchased by a new company. They have no idea what happened during that time at all. What 's more concerning is that other than my lease agreement, the only other " receipt '' is a copy of the original " receipt '' mentioned above with the words Make Adjustment written across it. That " receipt '' is also months older than the original. XXXX were signed by the same manager. It looks like XXXX receipts are invalid. More over, when I contacted them to better understand the charges, they could n't provide me with any information. They did not have any materials receipts or contractor receipts. There was also absolutely no proof that the work they are charging for was completed or who completed it. In fact, the only thing they could tell me what that I allegedly owed them money and they had " documentation ''. However, not only have they had that debt for more than a year, they did n't contact me about it and decided to give it to debt collection agency a month or XXXX ago. None of this makes any sense to me. I believe that what they are claiming is fraudulent and they are attempting to extort money from me. 
When I contacted the collection agency, I requested that they provide me with a debt verification consistent with Texas Law. ( As I currently reside in Texas ) They could not provide all the required information. Under Texas law, if they can not verify that the debt is mine as well as prove they hold a Texas surety bond within 30 days, they are required to delete my debit trade line from their system. Fidelity Creditor Service had refused to do so. I also brought up my concerns about the validity of the debt and Fidelity Creditor Service will not address it as it 's not in their interest to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I opened a Macy 's Department Store credit card account in XXXX XXXX. I made some purchases that month and paid my balance in full. I was receiving my statements via email. I made some more charges in XXXX XXXX. However, i never received a statement and forgot about the charges. I then get a phone call on XXXX XXXX, XXXX from Macy 's informing of a past due balance and 5 months late fees. I advised them i never received the statement. They told me that if i would pay the balance off, they would waive only XXXX or XXXX of the late fees. I advised them i was not going to pay any late fees and wanted to appeal the late fees. I paid them the balance and a little extra. After the payment was posted, there were still several months of late fees. I called again and the account supervisor informed me that there had been a computer " conversion '' and some customers had complained about issues with their statements after the conversion. He offered to waive all late fees and advised i would have a zero balance. Before this incident, my credit score averaged XXXX. In XXXX my credit score dropped to XXXX. I have no other credit issues and consistently pay all credit card balances/bills in full and on time. I spoke with XXXX ID # 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 monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased my home on XXXX 2007. My purchase price was {$650000.00}. As it is widely known, prices were still inflated at this time Since then the property values in my city dropped XXXX %. The home values have recovered but it is unknown how much longer it will take for my home to reach the original purchase price. I have been able to decrease my balance and my current loan to value. 
Considering the current market value of my home of {$610000.00}, my current LTV is XXXX %. I contacted my lender to remove the mortgage insurance premium of {$350.00}, but they are denying my request even though I am well below the requirement of 78 % loan to value because my home is below the original purchase price of {$650000.00}. This is not fair for me or any consumer in my situation. 
If I have to wait for my home to reach the original purchase price it could take another 5-7 years. It is unfair that the mortgage insurance company and lender will not remove my mortgage insurance premium even though I have met the loan to value guidelines and lending guidelines. This puts me, as a consumer, at a huge disadvantage because they give me no option except to refinance to remove the mortgage insurance. However, refinancing will cost me anywhere from $ XXXX- {$7000.00} with closing costs. Once again this gives the advantage to the lender because I have to spend thousands of dollars to remove the PMI. 
Also, if I can not cancel the mortgage insurance, the mortgage insurance company will collect {$25000.00} in premiums over the next 72 months, which is approximately the time it will take for my home to reach the value of {$650000.00}, that is only if there are no other market corrections. I am asking the CFPB to help me get the PMI removed from my mortgage payment. 
The handcuffs that the lender has put on me and my family is an unjust situation. My family and I are being forced to spend thousands of dollars when we have worked very hard to lower the balance to remove the PMI.

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 2016-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: MN

Complaint narrative:
My student loan servicer, Nelnet, keeps upping my interest rate. My loan was at 6.8 % as disbursed in XXXX and I 've earned lowered interest rate by 3 % through on-time payments and signing up for auto-pay over the years. After putting loan payments on a temporary hold for a year while volunteering abroad in XXXX, I returned to my usual auto-payments and my loan has been messed up ever since. In XXXX XXXX and XXXX XXXX, Nelnet has upped my interest rate percentage to 5.8 % without notifying me, removing my incentives. This is a bad practice ( they cited a " system error '' ) that should be stopped.

Company response to consumer: Closed with explanation