vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
Harris and Harris called my home. They spoke to me ( XXXX ) asking if XXXX was home. I inquired as to which XXXX they were calling about my son or husband. I gave them my husband 's date of birth for clarification, and they confirmed it was for my husband. They told me the details and the service was from XXXX XXXX. I said wait a minute, I just called Harris and Harris and they said we had no bills there in my name or my husbands. She ( XXXX XXXX ) said oh that is right you called and we told you we could not speak to you, since the bill is your son 's. I said wait a minute your calling about my son who has a different birthday then my husband, when I verified the date of birth by giving you my husbands, you said it was my husband you were calling about, when clearly if you looked at the record you would have seen it was not my husband who has a date of birth of XXXX/XXXX/XXXX, but you were calling about my son, who has a date of birth of XXXX/XXXX/XXXX. A clear distinction. Then you tell me the bill is from XXXX, I upon inquiring about that you than said oh it is from XXXX. At this time I informed you not only did you violate XXXX, but you also got dates wrong. I asked to speak with a supervisor/manager and XXXX XXXX who identified herself as a supervisor came on the line. I informed her the representative violated XXXX, I even tried to confirm she was speaking to the correct party and the representative, was not correct and told me she was when actually she was calling about my son. I informed her I would be filing a complaint and she said that was fine. They do record the calls. It was approximately between XXXX when the phone conversation took place. The supervisor told me they were going to pull the call for coaching purposes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
In XXXX 2014, I filed a complaint with Harris & Harris , Ltd. pursuant to the Fair Debt Collection Act, hereinafter ( FDCPA ), Section 809 ( b ). 
To date, the said business has not responded. Thus, my state tax refund has been garnished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: MS

Complaint narrative:
XXXX XXXX from Aargon Agency contacted me today at my work phone to ask me to confirm my personal information ( birthday/address/SSN ). She even left a message at my work saying it was extremely important that I call back. I told her none of the information in they system was accurate. I asked why she had to have the information and she said they were legally obligated to ask me questions. I asked if someone was trying to apply for something in my name and she would not answer. I was given no information. They just wanted me to give them my personal information, which I did not give. They called me at my work to collect this information which is unacceptable and harassment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Cohn, Goldberg & Deutsch,LLC
State: MD

Complaint narrative:
Did not disclose communication was an attempt to collect a debt Not enough information to verify debt i.e. amount of debt & name of creditor Did not receive notice of right to dispute assignment fraud was to the servicer assignment fraud was challenge in 2012 upon discovery they dismiss the case of fraud assignment was prepared by co-conspirator XXXX XXXX, PC, and debt collector XXXX XXXX, Na ( XXXX ) XXXX, XXXX XXXX ) without document of true fact of who the owner note, or mortgages are .lack of transparency and fraud activities

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc.
State: WI

Complaint narrative:
I am getting repeated calls from XXXX they will not stop calling..they call me during my works hours and after XXXX pm. I have not seen any physical proof I owe them anything

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
This complaint is against Citi Student Loans : I had a loan with the company from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I recently requested a complete break down of my charges because I wanted to make sure I was n't overcharged. I got some of the documentation I requested and immediately determined that the XXXX time interest was capitalized on my loan XXXX/XXXX/XXXX that I was overcharged by {$37.00}. So I called the company to point this out to them and the representatives told me I had to submit in writing how much I thought I was overcharged by and they would look in to it. I explained I had only looked and the very XXXX time interest was capitalized and stopped there because if I was overcharged at that point then everything going forward would have been overcharged. I was again told I need to submit a figure I thought I was overcharged. So I asked if I was being told I had to take the time to calculate the figures for the entire loan including every single payment made over the 5 years I was making payments and I was told that was correct. I told the representative that I 'm pointing out the mistake in the beginning and based on that the company should look over my entire loan, and to ask me to do it and if I do n't that nothing will be done was not acceptable. This treatment seems to be illegal or at least unfavorable to the customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have previously sent this company a written cease of communication notice, as I do not owe this debt and even if I did, it is long past the statute of limitations. 

Somehow, they have gotten my cell phone number and are calling me on my cell phone. 

After being told they were calling me on my cellphone without my consent the individual said they had the legal right to call my cellphone whether consent is given or not. 

I do not owe this debt. This debt is past the statute of limitations for collections. I wish to be compensated for the unauthorized calls to my cellphone

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 2016-09-13 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
There is a collection charge on my credit report that is not mine. I have not had any type of auto loan since prior to 2009.

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 2016-04-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank partners with concerts that come up whereby you can purchase the concert tickets pre-sale if you have a Citi card. If you do not have a Citi card they direct you to an " Apply Now '' button which leads you to believe that if you are approved you will be able to then purchase the pre-sale tickets. Just to make sure I was n't mistaken on anything I went through the entire online process twice ... No where does Citi indicate that you will NOT be able to purchase the pre-sale tickets if you are approved until you receive their credit card which will take 7 to 10 business days. This in many instances is after the presale offer and then the entire transaction is moot if you have to purchase the tickets when they go on sale to the general public. I applied for the Citi card and delightfully I was approved. I searched and searched for a code or temporary credit card number so I could purchase the presale tickets. Much to my dismay ... I received nothing. I spent several hours on the phone with Citi to see if they could assist me through this process but the XXXX different people I spoke with could NOT help and said I must wait for the card in order to make the purchase. I believe that Citi should conspicuously display on the Apply section when trying to purchase presale tickets ... that IF YOU ARE APPROVED YOU WILL NOT BE ABLE TO BUY PRESALE TICKETS UNTIL YOUR CREDIT CARD ARRIVES WHICH WILL AT A MINIMUM TAKE 7 TO 10 BUSINESS DAYS. I feel this was very misleading and now I am unable to buy the tickets.

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 2017-04-03 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 : 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 explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Annual Detail Reports not available from Citi Bank Costco Visa for 2015. Citi Bank Visa will not provide complete data from the XXXX XXXX transfer for 2015. I have placed requests for a XXXX ( XXXX ) report for 2015 on numerous occasions and have yet to get an answer. They said they would have a supervisor call me back within 3 days, it is day 6 and never received a call. I called back and was on the phone for 50 minutes and was advised that once again, I would get a call from a supervisor in 3 days. No call as of yet. They are withholding vital information form their customers. I called XXXX XXXX and they advised me Citi Bank has all the information I need.

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 2016-05-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The debt obligation originated with Citibank in XX/XX/XXXX. The terms changed in XX/XX/XXXX and we were unable to reach an amicable resolution for repayment. Since XX/XX/XXXX, I have paid extremely high interest rates due to this XXXX unpaid debt. This obligation has far exceeded the 7 year penalty and should be removed along with all of the other debt collection agencies that have attempted to benefit from this unpaid obligation. However, they keep reappearing and reporting to collect the same debt under different names. This is not only unfair to the consumer but a gross violation if the original debt was over 7 years ago.

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 2016-04-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's Credit allowed a hacker to make purchases on my account including an electronic gift card for {$100.00}. I phoned in the details on XXXX/XXXX/2016 and followed it up with a fax of their fraud form on XXXX. Called it in on XXXX and they could not help me, instead they said they would call me back in 20 minutes. One day later and have n't heard back. It 's been 4 months since the incident and I have not found a resolution to the fraud they allowed to occur. Their system allowed a hacker to send an instant gift card to anyone without allowing the actual owner of the account the ability to cancel it. Meanwhile I 'm being charged 25 % interest while they take their time fixing this.

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 2016-09-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX 2016 our Citibank credit card number was stolen while vacationing in California. On XXXX XXXX, during online bill payment I discovered approximately {$2000.00} in fraudulent charges on my credit card account. That day I contacted Citibank and had them issue a new card number and reported all the fraudulent charges verbally by the date and location as the appeared on my statement. I was told XXXX to ten days and the charges would be removed. Since the initial contact with Citibank on XXXX XXXX, I have now called and spoken with representatives seven times - each time being asked to state all the fraudulent charges. As of late, today on XXXX XXXX I have called them the seventh time and went through the same drill. I 'm beginning to think they are telling me what I want to hear and ultimately these charges will not be removed, which of course will force me into legal action against Citibank. Anything you can do in this matter would be greatly appreciated. I should mention that XXXX of XXXX of the fraudulent charges were credited to my account due to my own initiative. My statement contained the vendors phone number which I was able to call in order to have my account credited.

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 2016-01-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XXXX my wife and I have Macy 's accounts and have signed up for electronic bills using our XXXX XXXX XXXX service. We have excellent credit and have never had any issues in the past. Macy 's switched their credit card service to XXXX XXXX in XXXX 2015. While my wife received all her bills since XXXX, I did not receive an electronic statement and a purchase of {$44.00} that I made in XXXX resulted in {$180.00} in late fees. 

I found out about the late charges once Macy 's contacted me in XXXX for the late charges. Macy 's customer service is saying that failure to pay is my fault even though they failed to provide me with a bill. I checked with my bank and the electronic bill service for Macys was turned on the entire time ( which is how my wife received her bills ) After contacting Macy 's, I have finally received a paper bill and the electronic bill pay service has resumed. I have paid the amount that I owed for goods purchased but I should not be responsible for late fees based on statements that were never delivered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
I was sued by discover Bank and the account goes back to XX/XX/XXXX. I disputed the balance and went to trial. during the course of the trial and in discovery I asked the Plaintiff for a detailed listing of the charges they were suing for and a breakdown of interest charged. They only provided statements for the last XXXX years. They are claiming that the bulk of the charges {$8000.00} of the approximate {$10000.00} occurred prior to XX/XX/XXXX. However, they had absolutely no record of those charges and no interest breakdown. The court nevertheless found against me in spite of the lack of documentation. I believe that if they were suing on that account that they were required to provide a complete statement particularly itemizing the majority of their claimed debt. I have filed an appeal at this time. I believe that their failure to maintain those records is a violation of Federal law. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I enrolled in an At & T access more card offer that advertised a XXXX $ At & t phone credit when XXXX $ was spent within the first 3 months. I hit the mark on our XXXX statement and called in multiple times to confirm I was over the XXXX $ mark. Every person I talked to at Citi confirmed I was over the mark. Only after the 3 month period passed did I learn that I was XXXX $ short because they would not count the credit card fee towards the total. I was misled by multiple customer service reps and now I wont qualify for the offer. I attached a chat with a Citi rep confirming that my credit would arrive soon. Later I was told to fax in a proof of purchase which I also did. Only now have I been told I was XXXX $ short. Citi 's mistake has led to my cost of 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 2016-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a XXXX mortgage with XXXX and a Home Equity Loan with Citibank. 
XXXX is in the process of refinancing my mortgage ( on a Cash Out basis ) and was informed by Citibank that Citibank changed its policy in XXXX 2015 and will no longer process subordination requests for cash out mortgage re-financing. This is surprising as it changes the terms of my Home Equity Loan unilaterally on Citibank 's part. Citibank was adamant that they can do as they please and they refused to accommodate any request for flexibility.

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 2017-02-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I signed up for a Citi Bank checking account. There was a promotional offer of : Deposit {$15000.00} for XXXX days, then after the XXXX days allow up to XXXX days and a {$400.00} bonus would be deposited into your account. I complied with all the requirements and this has been confirmed by Citi Bank. XX/XX/XXXX I should have had the {$400.00} bonus credited to my account. It has not. I have contacted Citi Bank and they claim they have opened an investigation, but I have not received the bonus or explanation why. I have seen online other that have experienced similar issues with this Citi Bank bonus offer. Thank you. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had an answering service with XXXX XXXX XXXX which I canceled. They charged me extra after cancellation. I brought the issue to my credit card company, Citibank, attention. I provided all the facts of the matter and they still did not reverse the charge. The answering service company was not answering the forwarding calls which is the reason I pay for this service. My colleagues informed me about the lack of service as they could n't get in touch with us. I contacted the company on XXXX XXXX and canceled service stating that they have not been answering my business calls being forwarded to them as per our service agreement. We contacted them via email and phone call on the XXXX XXXX again to confirm the cancellation. 
When I signed up with this company 3 1/2 years ago, they charged my card one month in advance. Now, They charged my card for XXXX again, even though I have canceled my service. They are refusing refund despite the fact that I have canceled within guidelines. 
Also, XXXX in their billing department sent me an email claiming I owe them XXXX of dollars and threaten to send me to the collection. They sent me statements that showed the account has XXXX balance, but they said that they ca n't see what credit card has been charged. This shows the company relies on scare tactics and predatory practices to collect money from clients. They had my credit card on file since I started with their company. I explained to her it would have been impossible for my service to remain active without them receiving payments. She said they have been subject to internal fraud and implied I could be part of it. As outrageous as that sounded, as a courtesy, I provided her proof of charges on my credit card for every single month of service since 2015. With all this, it is difficult to tell if this is a legitimate company or fraudulent. I suspect individuals or the company are committing fraud by trying to scare the customers into paying for charges that are not real. Their actions and their own claims of internal fraud are definitely red flags in that direction.

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 2016-08-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Citibank account. I paid my Best Buy Account of {$58.00}. Today, Best Buy, which is part of Citibank, went into my account and took {$250.00} without my authorization. I have been making regular payments on this account, and today they decide to take an additional {$250.00}. Citibank said there is nothing they can do and Best Buy is saying the same. What rights do we have when it comes to our bank accounts? How can I get my money back?

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