vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Upon an attempted request for a modification package needed a few months go, this company continue to keep giving a ring of a run around telling me that someone will be contacting me and I have yet to receive a call. I had to send a via certified mailed letter in to get a final acknowledgement of received signed request to add an authorized person to the account, after several failed attempts in faxing it to the fax number provided. 
Dealing with this company seems to be like pulling teeth and they continue to just keep you on a goose chase, just in getting information in an attempt to prevent a possible foreclosure before matters starts to get tighter with my brothers health care financial needs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
I received a XXXX letter ( not certified ) from XXXX XXXX in NY stating my wages were being garnished for an XXXX debt from XX/XX/XXXX and judgement was filed against me in XX/XX/XXXX and never seen any correspondence because I have never lived at the address stated on the judgement. I called XX/XX/XXXX fraud department and they have nothing under my Social Security number for the cell number they gave or anything from XX/XX/XXXX. I called the law firm and they sent a notice to XXXX to withhold from garnishment. I called Social Security and claimed Identity theft and was sent an affidavit to fill out and get a police report. I called the law firm back and they will not speak to me unless a law firm is representing me. The collection agency is Palisades Collection LLC and the law firm is XXXX in NY. My credit reports no such judgement against me that was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
Sears credit card : I mailed my payment in for the full amount of {$22.00}. The due date was XXXX/XXXX/16 ( a Sunday ). My payment arrived on XXXX/XXXX/16 ( a Monday ). My next bill showed a payment amount and a {$2.00} interest charge. I was confused because under late fee it said {$22.00}, but I sent in my {$22.00}, so I sent in the {$2.00} thinking that was because I was one day late. The next bill came and now it said I owed {$48.00}. I could n't imagine how so my daughter looked into it and we realized that they said I was late ( even though on this site it says that it should not be late if the mail is n't delivered on due date, and the payment arrives the next day ) AND that they had charged me a late fee of XXXX % of my due amount ( {$22.00} ) which was not only outrageous but confusing. So I called the account question phone number and they would n't do anything. In fact they tried to tell me that if the due date is Sunday I have to have it mailed there by Saturday. I have filed a complaint with them but am worried that they will continue to add charges OR if I pay it, they will not eventually reimburse me. Also, I ca n't imagine why their computers do not adjust for the due date on Sunday event where payments received by mail on the next day, Monday, should be considered on time, and therefore probably are illegally charging late fees to many people.

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 2015-06-09 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My Home Depot consumer credit card was past due because of a quick prompt in the online account.. some how authorization of paperless statements was selected and thus I never received notification of payment due by mail. This is a joint account I rarely use. I need a statement or phone notification to alert me a payment is due, not an email to that ends up in spam. In XXXX years I have not had a late payment and I am frustrated by the irresponsibility of the creditor to not insure consumers are receiving statements and able to make their payments on time. This creditor advised me when I called that incompetence is a regular occurrence and their system in not perfect and that many consumers do they not realize they are electing for wireless statements. Is it not the creditors responsibility to be sure their consumers want to be billed this way especially since this is an option and not an account requirment???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a contractual agreement with Citi-Bank on a Balance transfer from XXXX Credit card to Citi-Bank. The reason for the transfer for a lower interest rate. Citi-Bank entered into an agreement to have the interest rate remain the same for the term of the note. Citibank increased the interest without notice. Whereas payment to Citi-Bank was through direct debit my bank account. After several calls to Citi-Bank customer service, they admitted their mistake and corrected it. I received a statements reflecting this error and showing a corrected actions. Then I received a statement from Citi-Card once again with an increased interest rate to 29.5 % and a penalty for not paying a full payment. I have been advised by my attorney that this action was a freud, a former Judge also stated that Citi-Bank had committed a fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had been trying to get help from CitiMortgage on a loan modification for quite a while with no luck. I got an approval from Keep Your Home California for {$25000.00} towards my arrearages and CitiMortgage still would not approve the modification. CitiMortgage eventually sent back the funds that XXXX had wired them on my behalf. That is when I hired the XXXX Law Group in XXXX XXXX to assist in getting a loan modification from CitiMortgage. XXXX XXXX was assigned to work on my file and she submitted the loan modification package on XXXX XXXX, XXXX. XXXX has an extensive mortgage background and felt very strongly that I qualified for the modification. On XXXX XXXX, XXXX XXXX spoke with XXXX at CitiMortgage who told her that my loan modification had been denied because the investor does not participate in HAMP and the investor mod was denied due to my " income not being an ongoing source ''. I have worked at my job since XXXX XXXX and do not intend on leaving any time soon. At this time a new single point of contact, XXXX XXXX, was assigned and XXXX told XXXX that XXXX would be calling her in XXXX to XXXX days. She finally spoke with him on XXXX XXXX, XXXX. He told her that it would be best to wait to resubmit the loan modification request until my XXXX loan was paid off. It was paid off in XXXX XXXX so XXXX re-submitted on XXXX XXXX, XXXX. On XXXX XXXX, XXXX the modification was denied again this time because : " The current income and assets provided is insufficient to offer an affordable payment solution ''. The denial letter gave us XXXX days to appeal the denial. On XXXX XXXX, XXXX Citibank filed an illegal Notice of Default against my property. Since I was still in the appeal process this is a violation of the California Homeowner Bill of Rights for dual tracking. XXXX filed the appeal letter on XXXX XXXX, XXXX proving that I do qualify for the loan modification and also contesting the illegal Notice of Default. The appeal was assigned to XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX told XXXX that the decline will stand per investor guidelines. XXXX asked her what the investor guidelines were and XXXX would not say. XXXX asked her for the XXXX and XXXX XXXX for the Investor which her office had requested but never received in XXXX XXXX. XXXX told her that the request needed to be in writing. XXXX sent out the letter that day and has still not received it so how do we know what the investor guidelines are? CitiMortgage also refuses to rescind the illegal Notice of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I am updating complaint XXXX which is currently awaiting response from company. Approx XXXX XXXX I was informed CitiMortgage took partial steps regarding my complaint & needed more time. I checked the status & nothing has been done to resolve the wrongdoings. What CitiMortgage did do was schedule another foreclosure - XXXX XXXX. 
( Foreclosure XXXX XXXX XX/XX/XXXX prompted first complaint. It was cancelled at last minute. Was not informed why ) We received letter dated XXXX XXXX CitiMortgage was pleased to share we may qualify for loan modification & will get letter outlining documents needed to determine final eligibility. The letter had been Cc 'd to Missouri State Attorney ( Submitted complaint to them as well ) We receive XXXX letters dated XXXX XXXX - possible HAMP qualification & the other letter to notify us of date of foreclosure ( the only letter we got concerning foreclosure ) Still waiting on letter about needed documents. I believe the XXXX XXXX letter was solely for the benefit of the Attorney General. I also believe CitiMortgage has no intention of resolving our issues. For years they ignored our verbal requests for explanations concerning our account. The Qualified Written Request sent XXXX XX/XX/XXXX was improperly acknowledged 1 ) Citi picked the concerns they choose to respond to & stated they found no errors. I have no idea how they determined that - guess just take their word for it. 2 ) I requested the information & sent the QWR. Citi sent their response to husband 's Chapter XXXX lawyer ( another attempted foreclosure XXXX XX/XX/XXXX & he knew nothing about the QWR ) telling him he could disclose whatever info he felt necessary. The attorney emailed us Citi 's response. & gt ; As far as I know they 've yet to fully cooperate with Attorney General or CFPB. I guess if they sell the house they wo n't have to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-27 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: Harris & Harris, Ltd.
State: NY

Complaint narrative:
Dear CFPB Good day. 
City of XXXX fire department send me a bill for emergency ambulance service on the date of XXXX which i paid on XX/XX/XXXX .After almost about a year later on XXXX XXXX XXXX a XXXX based collection company named Harris and Harris send me Delinquency notification ( XXXX XXXX ) for the above mentioned debt.I spoke with them ( XXXX XXXX XXXX ID XXXX ) that I paid in full almost a year ago and fax them the bank statement ( to XXXX ) XXXX But despite all this Harris and Harris send my account information to XXXX due to unpaid balance which drop my credit score tremendously.Then i called the XXXX of XXXX XXXX fire department they added XXXX as paid amount though i paid XXXX which is the original bill and they showed XXXX as unpaid and the collection agency without informing me send this information to XXXX.this is a harassment from harris and harris and they have a motive to get extra money i believe.I have the documentation of correspondence. I will be more than happy to send you that if you need for investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Mutual Management Services LLC
State: TN

Complaint narrative:
I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Columbia Collection Service, Inc.
State: TX

Complaint narrative:
the collection agency has failed to send the legally required validation of this debt. they have been notified that your actions are detrimental to me and has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. they knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to XXXX. 
under Section XXXX of the Texas XXXX XXXX laws a third-party debt collector or credit bureau is prohibited from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office XXXX. 

Columbia Collection Service , Inc. failed to notify the credit reporting agencies that the debt is disputed. FDCPA Section 807 ( 8 ), FDCPA Section 805 ( c )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC.
State: GA

Complaint narrative:
I received a call on or around XXXX XXXX, 2015 from XXXX XXXX, Producing Branch Manager at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ohio XXXX. This was my initial mortgage lender under the name XXXX ( they later changed their name ). Shortly after obtaining the loan it was transferred to XXXX XXXX XXXX XXXX. I have been paying XXXX now for around 2 years. XXXX XXXX was calling to advise me that they were going to be taking back my loan from XXXX. He said he would be sending me the details. I have no current account information for XXXX only XXXX. I, later that day received an email that essentially just said " Welcome back to XXXX '' ( attached ). I have received no other communication from either of the lenders. Later in the month I received my regular statement from XXXX with no mention of this change. It is now XXXX and I have still received no notification of transfer from either lender, no date of when service will stop with XXXX and new service will begin with XXXX and no effective date of transfer, as required by law. I have no idea who I should be making my next mortgage payment to and I do not want it to be paid to the wrong party and not credited to my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Whipple Law, P.A.
State: CA

Complaint narrative:
I received a letter from Whipple Law, P.A. ( the " Law Firm '' ) regarding collection of my credit card account with XXXX XXXX XXXX in XX/XX/XXXX. On XXXX XXXX, I contacted the Law Firm regarding payment options of the debt. I spoke with XXXX XXXX who provided little to no information on the debt collection process and reporting my updated status with the credit bureaus. After making several calls to XXXX XXXX XXXX and the credit bureaus I received the information I needed to move forward. XXXX only demanded my payment. In an attempt to improve my credit worthiness, I paid the Law Firm in full the amount owed on XXXX XXXX, XXXX. I have demanded a letter stating my account was paid in full three times. Each time XXXX promised to send the letter. Upon further reading of XXXX 's email I see he is a Paralegal. His email signature states the following : XXXX XXXX Para-Legal Debt Collector Whipple Law, P.A. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Fax : XXXX XXXXXXXXXXXX As of XXXX XXXX, XXXX, I still have not received my letter verifying I paid the amount in full. AS a result, I can not update my credit report. The time to receive the letter is unreasonable and unprofessional. 

Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
the issue is this, the reporting agency has put tickets on my credit report base on what Ihave found out. they pass a law that can not put tickets on your credit report. I would like them remove. if they are not suppose to be on there and they are breaking the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMA Advisors, LLC.
State: OH

Complaint narrative:
XXXX with HomeBridge Financial Services delayed the closing for 15 days. We had asked from the very beginning if it was feasible to close this in 30 days he assured us it was, knowing the clients low credit score and harder qualification process. The week of closing he was requesting verification on renters history which should have been dealt with way earlier. He was not getting any response from the Rental office for days. After we found out the hang up was he never send them a Release from the tenant to request this information and they asked for it multiple times. It took the selling and buying agent to help with this and get him the information needed. At this point we just needed a day more to get it closed said XXXX. We had to extend the contract for another 2 weeks with a total of XXXX Extensions. Very unprofessional and he was not up front just leading us on thinking he can make it happen and then did not come through. His manager XXXX XXXX got involved and assured us they were working really hard on this file. I believe that was true but not until the last 2 weeks of the process which was after we should have closed. My buyers were very frustrated with the process and it did cost them more money since we did not close XXXX XXXX and they had to pay another months rent. Closing was finalized on Friday, XXXX XXXX at the very end of the day with the money not clearing until Monday. I do n't want any other buyers having to go through what my buyers had to experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Default : Collection Agency Subtle Scam? 

What protection do we ( age XXXX ) have when a collection agency ( this XXXX in XXXX XXXX ) places us on 'default ' through their lawyers because they allegedly did not receive the check we sent? 

Our records show we have been diligently paying for a medical bill ( incurred during an emergency ) with this collection agency, in spite of the fact that the hospital kept sending us " 0 '' Amount You Owe -- then popped this Collection Agency ( Please see attached document ). 

Abruptly, half way sending our payments - during the tax refund season at that - we got a call a day after the 'default day ' that we are on default ; subtly informing us this would be forwarded to the credit bureau. 

We are buying a house, about to make the walk-through next month ; you could imagine how conscientious we are on every step of the way regarding credit issues. 

Can this collection agency simply claim, " Sorry, you defaulted, we did not receive the check ...? " We never lost any check we issued -- we make sure we mailed letters/checks directly with our post office. 

I wonder, as a XXXX, how many defaults are incurred due to non-receipt of check payments by this particular XXXX XXXX collection agency, or possibly other collection agencies? Would you happen to have data on this concern? 

In addition, is it the practice of collection agency NOT to send bill or payment confirmation? This collection agency said, " We do n't do that. " This is an alert I would like to share. 

I would be happy to send you the details. 

Have a wonderful day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Asset Management Outsourcing, Inc.
State: IL

Complaint narrative:
XXXX WAS WELL AWARE THATXXXX WAS PART OF FTC I.D . THEFT REPORT. THEY PROCEEDED TO SUBMIT THIS CHARGED OFF ACCOUNT IN 2008. THEY SENT TO XXXX COLLECTION AGENCIES WHICH DESTROYED MY CREDIT AND ENDED UP PAYING AMO RECOVERIES IN ERROR OVER {$1200.00} IN ERROR, IN VIOLATION OF FTC, FCRA, FDCPA AND TCPA SO ON!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This account appears to be from XXXX XXXX XXXX I had in XX/XX/2010. 

It is unknown why car insurance company would attempt to file a bad debt as in NO means whatsoever did I request any type or form of credit line from this company. I switched to XXXX in good standing around that period and was not whatsoever carrying any kind of ongoing payment obligation to XXXX. 

More importantly, this account is noted from XX/XX/2010, XXXX is falsifying all reference to this account in effort to collect monies NOT owed. 

This account is causing me financial detriment and I will be filing with the state attorneys office for fraud as well the FTC if not immediately removed and deleted.

Company response to consumer: Closed with explanation