vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Debt collector claims I owe them a debt that they ca n't verify is there 's. They ca n't provide proof of documentation or ownership towards the debts. Never have signed a contract with them saying I owe them an x amount of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On XXXX XXXX, 2016 my mother XXXX XXXX XXXX passed away. On XXXX XXXX I went to XXXX in XXXX and return all of their equipment. I 'm now receiving a letter from Transworld Systems inc. attempting to collect a debt of XXXX. At the time of her death all bills were paid. She does not owe this monies and letter does not indicate what the monies is owed for. If XXXX is trying to collect for early termination fee, this is an outrage because she is deceased contract was not broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
I have called to make payment arrangements and no one is available to speak with at their office. I still have been sending payments to them of {$40.00} or {$50.00} dollars a month because I have other medical bills to pay also. They sent me to collections without the ability to ever communicate with their office about payment arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I applied for a refinance XXXX loan to equity ratio. {$490.00} was paid for an appraisal which was completed in a week. Now 10 days short of 3 months the rate lock has had to be extended for a third time. Representatives piecemeal their requests for documents weeks apart. I ask them why have n't they asked for them earlier in the process and they give amateur excuses, ie. they had to let go ( fire ) the processor of my loan, influx of applications due to XXXX etc. The frustration comes from our timely action to doc requests, but then a response from them a week later for another document. I 've already had to pay another month on my original 1st and 2nd mort. and when I ask if I should pay another month the rep. says late fees will apply but wo n't affect my credit report. I ask them if they will cover late fees and rep. declines. The real problem is the anxiety from being duped by a shady operation and prevented from shopping around because of the upfront cost of the appraisal, not to mention the thousands of dollars of a higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
According to this company, that I do n't know exactly what its real name is, my mother, XXXX XXXX, has n't paid a bill from the XXXX she had done last month on XXXX. My mom has already paid a bill from this procedure already. She has n't even received any other bill. This lady said her company has been sending this new bill to my mom 's but she has n't received it because the address they said they have on record was n't my mom 's. If this is not a scam, they should correct the address they have in the system, send a new paper bill and give my mom a reasonable monthly payment. My mom was stated that she has been previously contacted by other XXXX speaking representatives to collect this debt which amount is according to this lady, {$900.00}. My mom has n't received any call from them before. My mom was asked to pay this amount immediately by phone that day or they will report her to the Credit Report Agencies. My mom got really scared and called me. I have repeatedly called them and nobody answer my call, and I have left my name and number in voice messages. When you call the welcoming says " Nation Wide ''. What kind of medical institutions or debt collectors institution is this XXXX that attempt to collect a medical bill this way. My mom asked if she could pay this debt little by little and they told her that she had to pay that amount in full. I think this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Bayview Investment Group LLC
State: FL

Complaint narrative:
on XX/XX/2015 a collector call my place of employment and tolled the secretary that if i do n't pay he was going to have myself arrested and that i was going to lose my job.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Pacific Rim Alliance Corporation
State: CA

Complaint narrative:
I had a call at XXXX at work form a XXXX, XXXX and claimed i owe a payday loan and would sue me and take me to court for check fraud.Now i was frighten and stardled at first ask lots of questions about the claim.Than i read reviews online how people get scammed from debt collectors who pretend to be investigators or attourneys.I felt like i was getting scam please reply back to me if legitimate..or what further action i should take on this matter..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
I made a mistake and asked for a refinance on my condo. I got a prompt reply by phone and began the process. After agreeing on rates, 15 years fixed. I was asked to fill out a form which I had to print and send back. Before I could print the form I received a request for copies of paper documents. I now realize that this could go on for ever. I have sent Ameri-save an email canceling the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
This is a debt that resulted from a ride in an ambulance from a hit and run that I did n't authorize. I was grazed by a car but was fine. The ambulance drivers, instead of just checking me out on the scene, handcuffed me to the ambulance and drove me to the hospital where I was checked out and released an hour later with nothing wrong with me. This is how the over XXXX in collections have occurred on my credit report which has jeopardized my ability to get a home loan at the best rate. i have even offered to pay half and share the expense ( even though I should not owe anything ) and was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a victim of identity theft. I received a debt collection letter from XXXX XXXX XXXX stating I owed money ( {$1100.00} very suspicious amount ) and the current debt owner is XXXX XXXX XXXX XXXX XXXX creditor is Citibank. I researched XXXX recovery and every single review said they were a scam. Both XXXX XXXX and XXXX XXXX say an account was opened with my name and social and they last payment date was XXXX/XXXX/11. It was first reported on XXXX after it became a time-barred debt. I asked for debt verification from XXXX XXXX ( current debt owner ) and they told me they have to get the proof first. I have called Citibank 5 times and each time they have said they ca n't find and information on an account opened with my social security number or the account number that XXXX XXXX XXXX Equities gave to me. XXXX XXXX has not provided me with debt verification and has stated that they do n't even have proof of the account and that they have to get proof before they can send it to me. Citibank has no records of this account so where is XXXX XXXX going to get proof from? It has been put on my credit report and they have not provided any date the account was opened with Citibank only the last payment date ( XXXX/XXXX/11 ) meaning it is a time-barred debt by Texas standards and I was mostly likely underage at the time the account was opened. I have filed a police report and complaint with the FTC and XXXX XXXX has not acknowledged that. They want me to fill out a fraud packet that would be providing them with all my information ( social security, drivers license number, addresses ) without them having sent me proof of the account. They also said I only had ten days to return the packet to them after I received it. I spoke with someone at the FTC and he said that there should not be a time limit especially since they have n't provided me any information. Recently the debt owner on my XXXX credit report changed to XXXX XXXX XXXX even though the account is being disputed. XXXX XXXX 's phone number is XXXX XXXX XXXX XXXX but the same address as XXXX XXXX. There are many concerning factors, so I do not trust sending all my personal information to them since neither I nor Citibank have any information on the account. They need to take this off of my credit report as it is a result of identity theft and they do n't have any proof and/or are unwilling to send me proof of the account. They also need to take it off because I was underage.

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 2017-02-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
We forclosed on our home 6 years ago. Have made our payments on time, never missed a payment. Now 6 years later citimortgage send us a letter stating they need hazard insurance. Made multiple phone call to try and tell them we do not want to pay for insurance on a house we do n't live in. Every time we call we are told they will investigate. Well as of today Citibank purchased insurance that they are now adding to my account. By the way they said my previous insurance expired XX/XX/2016 which is not possible. Would love anyone at Citibank to look into this I mean look cause obviously the investigative work did nothing. # 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 2016-10-12 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank frequently offers special promotions for depositing " new to bank '' funds to new or existing accounts, holding a specified amount of the funds for a specified duration of time, then the bonus described in a promotion is to be deposited into the account. Year after year, I participate in these promotions, I always fulfill the terms of the advertised promotion, yet consistently the bonus is NOT deposited into the account automatically upon the completion of the promotional terms. I have screen images, photos and correspondence regarding this issue going back several years. I always end up getting the promised bonus after I invoke an internal investigation with the Citibank Customer Service back office. I learned after speaking with customer service and president 's office representative that Citibank does not have a system in place to automatically deposit bonuses if customers do not initiate a complaint. Supposedly these conversation with customer service are recorded, please request copies of my conversations over the years with Citibank regarding this issue. I can provide you with my written complaints to Citibank office of the President in an attempt to bring this issue to light. Nothing has been done to correct this issue and again in XXXX of this year, I had to initiate another investigation with XXXX to get my bonus, which I was assured by her I would receive automatically before the last day of XXXX - I did not, so yet again, like many times before, the bonus was deposited only after I initiated a complain in XXXX. I just made another " new to bank '' deposit in XXXX, and yet again, have XXXX faith that Citibank has a system in place to give me my bonus on or before XXXX XXXX, 2017 after I meet my part of the obligation and hold $ XXXX for 90 calendar days. I anticipated that I will initiate an investigation on XXXX XXXX, 2017 and receive the bonus two business days later -- - what about so many other customers who do not file an investigation complaint? The bank just keeps their customer 's money for themselves. 
Please investigate this blatant withholding of funds and bait and switch on behalf of the Citibank customers. Please contact me so I can provide you with further documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received my Macy 's XXXX credit card statement which only showed the XXXX items I purchased for {$46.00}. I did not pay the credit card for {$46.00} which was due on XX/XX/2016 because I know I will be returning the XXXX items. I returned the XXXX items on XX/XX/2016 which was several days before the due date. 

I received my XXXX credit card statement which reflected a late fee of {$27.00} assessed for the XXXX items I returned before the due date of the credit card statement. I called Macy 's to have them reversed the {$27.00} because the XXXX items were returned several days before the due date. They keep on telling me that it 's a valid charge since returns are not considered as payment. Why would I pay for something that I know I will be returning? It was promptly returned. In my opinion, this is unfair for the consumers. Macy 's is enriching its company from late payments on return items. How many consumers have to pay {$27.00} from this unfair practice?

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 2016-08-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XXXX XXXX I received a letter from Citi Cards Payment Investigations stating they could not identify my account requesting additional information. In that letter I was given a choice to either call the number on the back of my card or fill out the form they sent me and either fax or mail the completed form to Citi Cards - Payment Investigations XXXX XXXX XXXX, SD XXXX. I opted to call since that would be faster But when I called the customer service people that appeared to be friendly on the other end BUT did not seem to understand what to do and were not able to help me as it appeared they wanted me to make another payment. Customer service just told me what they thought I wanted to hear what ever that may be at the that time. So i mailed the form to the address by certified mail on XXXX/XXXX/2016 which was confirmed received on Friday XXXX/XXXX/2016. Since then I have called your customer service people almost daily for any type of updates to why my account was still not credited the {$400.00} that I sent Citi Cards on XXXX XXXX. 

Lets recap my position so that everyone is crystal clear : I Authorized and Scheduled a {$400.00} payment to Citi Card Using my credit unions Bill Pay ( A Free and secure and fast way to pay bills on line that I have been doing without any issue for over 10 Plus years with all my other bills like XXXX XXXX, XXXX XXXX XXXX, ETC .... ) ON XXXX/XXXX/16 ( Early ) for A bill ( Citi Cards ) That is not due until XXXX/XXXX/16 Bill Pay issued check # XXXX on XXXX XXXX for {$400.00}. on the check is my name, address and bottom left memo section states : NEW COSTCO CITI CARDS ACCOUNT # XXXX. Top left saids : POST TO ACCOUNT # XXXX. I followed all instructions like I do with every new account I add to Bill Pay and HAVE NEVER HAD ANY PROBLEMS. 
ON XXXX/XXXX/16 CHECK CLEARED MY BANK ACCOUNT. 
I get a letter from Citi Cards Investigations ( See enclosed ) Stating they could not identify my account! and sent me a copy Of the CHECK CITI CASHED, THAT CLEARED MY BANK, THAT CITI is EARNING INTEREST ON ( MINE AND THE THOUSANDS OF OTHERS ) While Citi Cards continues to CHARGE ME INTEREST, LATE FEES AND LATER COULD INCREASE MY INTEREST RATE, RUIN MY CREDIT HISTORY ETC, ETC ON ACCOUNT THEY SAY THEY CAN NOT FIND? BUT YET CITI CARDS WAS SMART ENOUGH TO KNOW WHERE TO SEND THAT LETTER, COPY OF THE CHECK AND EVERY TIME I CALLED CUSTOMER SERVICE THEY KNEW WHO I WAS BUT YET CITI CARDS COULD NOT IDENTIFY A CHECK THAT CLEARLY HAD MY ACCOUNT INFORMATION, NAME AND SO FORTH ON IT TO ISSUE ME PROPER CREDIT? 

Desired Resolution : TO BE MADE WHOLE. GET THE XXXX CREDIT TO MY ACCOUNT AND ANY AND ALL INTERESTED BACK DATED TO MY PAYMENT DATE OF XXXX/XXXX/16 ALONG WITH ANY FEES CREDITED TO MY ACCOUNT AND NO MORE ISSUES! PLUS XXXX MONEY FOR THE STRESS THIS HAS CAUSED ME AND MY FAMILY.

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 2015-04-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
In XXXX I applied for a loan with XXXX XXXX, this loan closed on XX/XX/XXXX. In XXXX I received notice that the loan had been sold to Citibank, I received XXXX letters as required. Last week a call came into my office, I am the office manager, from Citibank to verify my employment. I have not signed a release for Citibank to make such inquiry, I did not apply for a loan with them they purchased the loan. I advised XXXX XXXX from Citibank that they did not have my permission to make inquires regarding myself and that I would file a complaint with the appropriate departments. I did inform my employer of this and emphatically stated that I did not give permission for my personal information to be released to Citibank. Today XX/XX/XXXX forms arrived at the office asking for information regarding myself. As a rule it would be something I would handle, I did forward a copy of the documents to my employer. I would like to stress that I am not behind in my loan payments they are made on time each month. This is an invasion of my privacy and I feel violated and therefore want to file a formal complaint against the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.

Complaint narrative:
Refer to my correspondence with Citi Bank regarding my credit card XXXX In short I was contacted by Citi bank and they have offered mediclaim policy of XXXX, in XXXX and policy was issued and premium was debited in my credit card and it was paid by me. After that in XXXX before expiring that policy I have sent the mail to Citibank for not issuing the fresh policy or renew the mediclaim policy. 
Even prior information for not issuing the policy they have issued the fresh policy and debited the amount in credit card statement. After that I have sent so many mails not a single mail was replied. 
Now one month back I have come to know that Citibank has reported me defaulter and updated in XXXX so now my request is this kindly go through the attach file ( all mails sent to Citibank ) and resolve this and arrange to remove my and my wife name from 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 2016-10-12 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Lending Club Corp
State: CA

Complaint narrative:
Filled out online application and they said they would fund it as soon as possible. Did not hear from them. Lending Club called me several times to say that the application was not complete. Went over application again and sent it in. They did not answer. Called me about two weeks later said they hava loan for me. All directions were followed and they just took my information and even moved the response to another state.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After closing my Citi Forward Credit Card, the Thank You Reward account associated with it was deactivated after 60 days and all the accumulated reward points were expired. I was never been verbally told or received any document in written about this fact. I contacted Citi customer service. The representative said there is nothing Citi can do about those points although they did n't do the obligation to notify me the policy.

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 2016-10-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was told this account wiuld be deleted from my credit bureaus when I paid the account off many XXXXyears ago. I am now XXXX and XXXX and asking for them not only to fulfill their promise but also to understand my situation and goodwill delete the item so I dont become homeless in the winter.

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 2016-04-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kross, Lieberman & Stone, Inc.
State: CA

Complaint narrative:
Received notice of unpaid debt to XXXX NC on XXXX XXXX. XXXX was paid by check on XXXX XXXX, cleared XXXX XXXX. I have asked by letter the collection agency to verify the debt, they have not done so and have continued to call and write me, despite my letter requesting verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation