vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-21 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I paid for a facility for my daughter with mental health care issues for 3 months and the last month the provider moved my daughter against her will to a low-level facility causing her extreme emotional trauma resulting in a XXXX. I paid {$5500.00} for the month and the provider paid {$2000.00} for the unauthorized house they moved my daughter to. I am asking to be refunded the last month. I DID NOT RECEIVE THE SERVICES I PAID FOR-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank card ( XXXX ) has been calling both my husband and I and harassing us at least twice a day, every dingle day about payments being late. In addition to this, we receive about XXXX letters of correspondence in the mail per week telling us we have late payments. All of our payments are on time, and we have never made any late payments. Since we have made a complaint with the CFPB in XXXX of this year, and the harassment has not ceased, we are contacting our attorney and filing lawsuit. I want Citibank to cease and decist all collection attempts for this now alleged debt, and any further communication by telephone or mail will be collected as evidence of further harassment. We expect a check in the mail as a provisional settlement on this account in the amount of {$1100.00} in the next 30 days, which is the total amount paid forward on this account to date.

Company public response: Company 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: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
After being a customer for over 29-35 years ( first credit card ) I had my ID stolen and stopped doing business online for a while with all companies. This caused me to have one missed by a few hours payment in XXXX XXXX. Then in XXXX XXXX, I completed paperwork to setup auto pay. In XXXX, it was not yet set up for some reason and I missed a payment because I thought the autopay had been setup. I was told that this {$25.00} fee would be credited on my next bill and I should wait until I received the bill. I called customer service and was now told that I could not get money back due to having one late fee credited in XXXX. I aske d for a manager to call me and they called but I did not get the phone fast enough. Then I got a letter and when I called back today I was told by a " manager '' XXXX that she was NOT authorized to override the system 's decision to not give credit or a previously promised late fee by customer service. I have been a loyal and pay in full customer for over 29 years or more. I find it hard to believe that this company has no way of empowering their managers to do anything now that XXXX is over XXXX and was promised a late fee credit previously and since it was due to their lack of setting up the auto pay when it was sent in the mail to them in XXXX XXXX. I do not like getting late fees, nor have I for many years. Their system creates this without override capabilities and the manager has no ability to make a very long term and good customer happy anymore. I think this is a new phenomenon. no contact information to contact the company or a person empowered to do this can be provided.

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 2016-02-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
when Macys changed their billing info to a different bank, they changed m account numbers, moved purchases bought on Macys Am Ex with a 16 % APR to Macys Store with a 25 % APR without telling me. They also shut me out of my account on line and as such after 8 months of phone calls could not get them to send paper statements. I paid each month by phone w/ no idea of what was in the billing. I was unable to return items in this period as they had changed the account numbers the billing and original receipts did not match, Many calls to customer svc then many emails to CEO XXXX XXXX, a XXXX called and got me on the web site and arranged for me to return the items had been unreturnable for more than 10 months. But XXXX went on vacation and after returning items ( with much hassle ) we demanded interest adjustments. XXXX denied claiming the interest charged paid on items never worn with tags pristine was rent for the item - ie one return had cost {$55.00} in XXXX and by the return time interest had accrued on it for an addition of {$250.00}. That 's just one of the items returned. We debated with XXXX who then accused my mother and self of having " taken '' stolen the items we were returning. We have the original receipts - and they Macys Am ex number charged on does not match the new account number Macys gave us to increase the interest 9 %! Even sending proof in email they refuse to deal with the real issues - Changing account numbers! Moving the XXXX to store account to increase interest from 16.9 to 25.8 % which elicited Macys XXXX of dollars in interest, Calling us thieves and slandering us, failure to credit interest adjustments, and when we placed the account inn dispute continue to charge interest.

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 2017-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
XX/XX/2016, I contacted CitiMortgage once I notice that we were behind on the mortgage. At that time, we were four months in the rears. I contacted the modification department hoping that I could set up a payment arrangement through loss mitigation department. Our specialist was XXXX XXXX who worked with us all the way until recently XX/XX/2016. I have sent all the required documents at least three times even after she said all the information was in. On several occasions she told my husband and myself that other people were more urgent because they were actually in foreclosure. In the mean while they expressed that our case would be closed if we did not sent in more documents, which often were the same. We hurried to send in all request even if they were duplicate by email within the two-day window given. We wrote countless letters explaining the same information. In addition, were required to give information such as my teachers ' contact which had nothing to do with determining my salary thyat was verfied by others in the loss mitigation department. Each time our specialist informed us that the loan officer was requesting all these documents. At this time we 're now more than 5 months out without a resolution of a plan. In the meantime, XX/XX/2016, we received foreclosure letters. We sent the court a letter stating that we would like to have a mediation to come up with a plan to keep our home. All while Citi gave us a new case specialist who yet once again asked for updated information in which we are still complying to date. Also, we consistently received conflicting information from the loss mitigation phone line, supervisors, and specialists. 
This has really caused a hardship and we feel we are in limbo. We have made every possible effort to have resolution yet nothing has happened.

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 2016-02-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northland Group Inc
State: CA

Complaint narrative:
Northland group called me and I set up payment arrangements. For 3 years they have been taking money out of my account. In XXXX XXXX they told me my payment arrangement had ran out and that I had a balance of {$390.00} and I needed to call to make further arrangements. They had taken {$25.00} out for XXXX so I thought it was a mistake. I called them on XXXX XXXX and there was no answer so I figured since they took payment in XXXX it was nothing to worry about. They did take in XXXX so again I just assumed it was reinstated. In XXXX the company that has been taking money from the account took only {$10.00}. I called Northland group and they told me my account was moved and they have not had it since XXXX XXXX, XXXX. I told them they were still taking money form my account. I faxed them my bank statement, letters showing that the last payment they acknowledged was XXXX XXXX and the letter that I was to make new arrangements. I told them I never got a pay off letter from them and they said because it was sent back to XXXX XXXX XXXX. They also said it was not them taking the money out of my account because it did n't say their name. I called XXXX XXXX XXXX and they said it was paid in full in XXXX. My husband has to call to get a payment in full letter. I called XXXX and they gave me the number of XXXX XXXX XXXX who is responsible for taking the money out for XXXX XXXX. The phone number that the bank gave me was for a private person Who claims to know nothing about this. XXXX credit my account and then uncredited my account since this is over 90 days. In the meantime I had XXXX put a stop payment on XXXX XXXX on XXXX/XXXX/XXXX for $ XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13 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: Professional Finance Company, Inc.
State: FL

Complaint narrative:
Small town in XXXX. Rented a house for XXXX year. Water bills paid on time. Moved out due to retiring from XXXX XXXX XXXX. Disconnected water account prior to moving from XXXX to XXXX. New tennant moved in to XXXX house and apparantly garnered free water services ( still in my name ). Landlord and city were contacted about the new tennant needing to pay this debt. The account was eventually changed in to the new tennant 's neme but the amount pending remained in my name and the tennant never paid it or owned up to it. It is a small amount of money, easlily paid. My issue is based on principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Debt Management Solutions, LLC
State: CA

Complaint narrative:
Nationwide debt management solutions has been repeatedly calling my job several times a day sometimes not identifying themselves. They have also contacted my brother also not identifying themselves, he said that they were rude and threatened him. I have contacted them once and told them I do not owe the debt they claim I owe and they still repeatedly call my job several times a day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: PR

Complaint narrative:
When requesting to open a account at XXXX, a report reflected XXXX loans issued under my social security number with an unknown name. These loans were not issued by me. The Company that processed the loan was XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Per previous request here is a notarized FTC affidavit, police report and I am disputing XXXX charge off entries on my consumer report with Chex Systems. I am disputing these entries with chex systems. The reported information that I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also disputing the inquiries that were associated with these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: A.R.M. Solutions, Inc.
State: TX

Complaint narrative:
I filed bankruptcy XXXX XXXX, and after doing so, received a letter stating I owed for services I did not receive ( From XXXX ). I sent emails several times, XXXX XXXX, XXXX XXXX, as well as sent a letter dated XXXX XXXX, and made contact through XXXX ( several times ), who said they would tell the branch manager to call me. I spoke with the branch manager ( approximately 2 weeks ago ) and informed him of the bankruptcy and he said he was aware and would update his records and cease communication with me to collect the debt. I received a statement dated XXXX XXXX, XXXX from A.R.M. Solutions, Inc. on behalf of XXXX. This is very frustrating and causing so much XXXX as I explained my financial situation on top of being unemployed since XXXX XXXX. I wish to file this complain in regards to the statement of facts and recover any monies as imposed by the company violating the bankruptcy law.

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 2017-02-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Admin Recovery, LLC
State: NC

Complaint narrative:
A collection agency called Admin Recovery has been calling my workplace. I 'm usually too busy to take personal phone calls while I 'm working so a coworker will take a message for me. This evening, a representative who called himself " XXXX '' called after I had already left and told my coworker that if I did n't call him back that he was going to call my company 's corporate office to complain and he hung up on her. I do n't appreciate my job being threatened over something like this. The behavior being exhibited by this company is, in my opinion, highly unethical. I moved last XXXX and none of my mail got forwarded. It took a while to get it settled and put me really far behind on some of my bills. I 'm catching up as fast as I can but I 'm a single mother working XXXX hours a week in a XXXX and it 's hard. I ca n't believe that man would threaten to call corporate on me like that!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
I have been in the habit of purchasing " XXXX XXXX XXXX '' and using them to load money into my XXXX account. Last year I purchased XXXX cards for {$500.00} each and did not immediately load them into my account. XX/XX/XXXX I scratched off the PIN on one of them and attempted to redeem it, only to be told that the PIN had already been used. I contacted the customer service number and provided the serial numbers of the other XXXX cards and was told that they too had been emptied, even though I had never scratched off and revealed their PINs. XXXX uses the XXXX XXXX XXXX to handle reloads and I submitted a dispute form to them. After 6 weeks hearing nothing, I contacted them again and was told that I had been the victim of a fraud and that there would be no funds returned to me. I asked how I could be the victim of a fraud here and they said that I allowed someone to get ahold of my PIN. I asked how I could have done that, since I did not know what the PIN was, given that the PIN was still hidden under a silver coating on the back of the card. 

They told me that I needed to file a police report and have the police investigator contact XXXX. This seems preposterous to me. If I go into a XXXX XXXX and purchase an XXXX and discover when I open the box that someone has substituted a brick, I do n't go to the police, I go to XXXX XXXX. 

XXXX XXXX XXXX has poor security and fraud detection and THEY released my funds to someone else. I was not robbed ; they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Movement Mortgage LLC
State: NE

Complaint narrative:
I was supposed to close on my house in Nebraska with Movement Mortgage on Friday, XXXX XXXX, 2016, however, my mortgage company failed to provide me with a closing disclosure form. This delayed our mortgage over the weekend. The Wednesday prior to close, I was contacted by Movement Mortgage and informed the lady who had worked on my mortgage was sick and her manager was filling in to complete the process. Today, Thursday, I was contacted by another Movement Mortgage representative and informed the lady who was " sick '' is now " AWOL '' from the company and never sent me the closing disclosure form on time, which meant we had to push back our closing date- impacting all prior arrangements a day before the closing date. 

As of this time, we are set to close at the later date, but this failure on the part of Movement Mortgage is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: EdFinancial Services
State: TX

Complaint narrative:
I have been on XXXX military XXXX since XXXX XXXX and I have been paying back my student loan since XXXX XXXX. I clearly obtained the debt prior to enlisting in the XXXX. 

The Edfinancial representative claims my loan was consolidated in XXXX so I am not eligible for interest reduction relief. The date of my loan origin is now XXXX which makes it seems as if the debt occurred after I enlisted. 

My student loan debt clearly originated prior to my enlistment ; regardless of when the lender decided to consolidate. 

Who can be of assistance in regards to this issue. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 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: The CMI Group, Inc.
State: MI

Complaint narrative:
I canceled my cable with XXXX last year in 2014. They sent a representative to pick up the equipment we had. I was home at the time and personally saw them. A few months later they sent a bill for {$120.00} for not returning the equipment. I made several phone calls to them over a few months period. I offered them to return and check our home for what they may have left behind. Nothing would work. They finally sent a bill of {$120.00} to a collection agency. We contacted them to resolve the matter and they were not very helpful. We contacted XXXX once again and finally thought the matter was resolved. As a matter of fact they actually agreed with us and even went so far as to issue a refund check for {$42.00} XXXX 2014. We assumed with the refund and numerous conversations that this matter was resolved. Fast forward a year later after no longer receiving any correspondence from XXXX or the collection agency we applied for a new mortgage and found it has destroyed my credit rating. I have prided myself on having a perfect credit rating for over 30 years! I pay may bills on time and have no blemishes at all on my record except for this. This small amount of {$120.00} has destroyed my credit rating and I am getting a run around from both companies. 
Against my better judgement I paid the {$120.00} in order to restore my credit. I have yet to hear anything from them and need help. Because of this I am forced to pay a higher interest rate on my mortgage. This is so unfair and upsetting. Please let me know what my options are. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I have a {$9.00} toll charge with the XXXX. They have a contract with Linebarger Goggan Blair to collect debts. I live in the XXXX area, and my bank card on file had expired so when the money in my account was used, it kicked back the charge. I received an invoice for the tolls + administrative costs from XXXX. I contacted them to correct the issue. I was told to contact my local toll authority ( XXXX ) and have them send over verification of a good standing account. I did that. During their exchange of information which I have no control over, XXXX sent my account to collections, subsequently adding approximately {$120.00} on top of the {$30.00} administrative fees ( which XXXX agreed to remove ). My final bill is {$150.00}. I was instructed to contact Linebarger for any removal of their fees, which they told me they would not do under any circumstance, and the collection representative " XXXX '', informed me that I had committed a Class C Misdemeanor and had broken the law. All the toll authority had to do is run the charge again, but they send their accounts to collections because someone is getting their pockets lined at the consumers expense. It is unethical. I did not attempt to break any law and XXXX has since received money on behalf of my toll usage, but has maintained that they will not take my toll payment for this one day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC
State: GA

Complaint narrative:
JH Portfolio Debt Equity has reported an account # XXXX that is not mine to my credit report. I requested a debt validation over 60 days ago by mail with no response. I called also and still have not received documents concerning this debt. I disputed it with XXXX and XXXX and all said that JH Portfolio Debt Equity verified to them. I would like debt validation information to be provided to me or them to remove this negative information.

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