vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I called American Express at XXXX to apply for a credit card to help with my credit, being a victim of ID Theft, XXXX XXXX, XXXX with IRS and XXXX with a XXXX XXXX credit card. I called them in XXXX of XXXX sent all my police reports to them ( faxed ), when calling today and to see what the update was spoke to a gentlemen who transferred to me XXXX, who could not find the application on file nor the letter sent. When I spoke to the gentlemen in XXXX his name was XXXX had a different accent. Said that application would be investigated, never heard a word.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I double payed my American Express account on XXXX/XXXX/15 and XXXX/XXXX/15 in the amount of {$3000.00}. I called immediately on XXXX XXXX, and was told money would be wired back in 24-48hrs. I waited until XXXX XXXX called back they said it should have been done - they will look into it, give it a few days. I called again on XXXX XXXX, was told that a letter was sent out that name on bank act and credit card act did not match and money could not be wired. I confirmed names matched, and was told that money would be wired Thursday XXXX XXXX because of XXXX. XXXX XXXX I called and was told money was adjusted off my credit card and has a wire is in process give it until Fri or Monday. Checked Monday XX/XX/XXXX..no money. I called back they said they would send a inquiry to wire department. XXXX XXXX i called my bank they said to ask AMEX for wire confirmation and that is when i was told money was wired into a XXXX act. NOT MY ACCOUNT. Now no one returns my calls. Now they say it was n't my money posted to my account. All of the sudden they said they have no proof it was my money paid twice. Now I am getting run around. Everyone says they will call me but no one is calling me back. They have had my money for over 2 weeks. I have bank statement proving it was my money. Now AmEX says they need to investigate and it could take 8 weeks. I can not wait 8 weeks and its my money anyways!. I explained that they should refund my money and they can investigate and get the money back from the other customer on their own time. No one is goving me any real answers - they just say they have no authority but will not let me seak to someone who has authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Ensure that closed account # XXXX is reported as closed to all credit bureaus. I am no longer a holder of this card/card closed. Account is still marked open on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, Midland Funding somehow filed a judgment against me for a debt it claimed had originally been a XXXX credit card. However, I was never served with any court documents, nor was I given a chance to validate the debt or provide any input on this decision. The judgment was just all of a sudden on my credit report. When I discovered what had happened, I sent a letter requesting validation of the debt ; however, I never received any response to my request. I am now planning to file a request to vacate the judgment as my credit report shows that at the time this judgment was filed, the statute of limitations had expired on the XXXX debt, which Midland Funding claimed to have the right to collect. According to my XXXX credit report, there is no record of any payments having been made in XX/XX/XXXX until the present. In addition, the debt was declared as a charge-off in XX/XX/XXXX, which does not happen until a debt is seriously delinquent. It is against the law for a debt collector to pursue legal action for a debt that is time barred ; therefore, this judgment needs to be removed from the public records and from my credit report, or I will take further legal action. Midland Funding is in violation of the Fair Debt Collection and Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Collection firm purchased debt in 2008. Date of XXXX delinquency and reporting date was XXXX 2008. XXXX year credit reporting expiration should have been XXXX XXXX. I have recently checked credit to see the dates have been changed to XXXX with 7 year expiration moved to XXXX XXXX. I have had no direct contact with Asset Acceptance nor have I done anything or received information that would have moved or changed any aging on this account. I have previously asked multiple times ( in writing, certified letter ) for a full debt validation, including original dates, etc. They provide a very generic form which is not a validation, but rather a verification that my name is listed on the debt. This is causing continued damage to my credit. What they are doing is illegal under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Credit card account closed over a year ago and continue to get statement and be harassed by HSBC. 
In response to complaint filed, HSBC issued a response indicating the credit card account ending - XXXX is closed and that the credit will be deposited to my bank account. Please refer to Case number : XXXX. However, the credit has not be deposited into my bank account or been issued a check in the amount of {$98.00}. Furthermore, I continue to receive credit card statement ( Statement closing date XXXX XXXX, 2016 was received on XXXX XXXX, 2016 ). I understand Consumer Financial Protection Agency can only prompt the business to issue a response, but does the agency not ensure that the business does not lie or compel the business to do what it say it will do in the response?

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

Complaint narrative:
According to my XXXX Credit Report dated XXXX XXXX, XXXX, Sears/CBNA has submitted XXXX requests for credit history information. XXXX requests were submitted in the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX. Contact was made with the, following employees of Citibank , NA the responsible party for this account, on XXXX XXXX, XXXX, XXXX was contacted, on XXXX XXXX, XXXX, XXXX was contacted and on XXXX XXXX, XXXX, Praise was contacted. All three employees stated additional credit inquiries are requested when a major change is made to the account only. Citibank does not make continuous inquiries checks on their customers. However, someone in Citibank is making monthly inquiries into my credit history and on three separate occasions have made XXXX inquires inside one month. There has been no major changes to my account, my account is in good standing. The credit inquiries started XXXX XXXX, XXXX, previous to that there were no inquiries made. I am asking Citibank to investigate this matter as these checks are being used to obtain credit history information for something other than a work related purpose.

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 2015-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The Request for Mortgage Assistance was submitted on XX/XX/XXXX to CitiMortgage. Citimortgage confirmed receipt of the request on XXXX XXXX via email, hereto attached. A formal missing documents letter describing the list of documents needed to complete the package was not received within 30 days of the submission. Citimortgage has requested different documents over the span of 6 months rather than provide the client with XXXX concise list of pending documents as directed by HAMP and the CFPB. Citimortgage has not evaluated the client for HAMP within 30 days of receiving a complete package as required. On XX/XX/XXXX assigned representative stated the file was complete and in review. Citimortgage did not decision the loan yet again requested additional information on XX/XX/XXXX, then a different request for documents on XX/XX/XXXX and yet again another request on XX/XX/XXXX. Citimortgage has continued to request documentation in pieces rather than XXXX list of all required documents necessary to facilitate the review of the file for HAMP. The borrower 's review process has been unnecessarily been prolonged due to Citimortgage requesting seperate documentation of the span of going on 7 months. The client has another sale date scheduled for XX/XX/XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-03-10 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Bank Disputes XXXX, 2016 XXXX/mc Card # XXXX For {$190.00} charge from XXXX ( Time share Presentation ) Hotel Reservation. 
Made for XXXX XXXX. After the charge was made we were told of restrictions. 
XXXX XXXX never sent any email or other confirmation, a receipt nor say what their cancellation policy was. The Reservation was changed to XXXX XXXX. 

Their Unsigned letter dated XXXX 2016 from XXXX XXXX was never sent to us nor received. 

The reservation was canceled on XXXX, XXXX the reservation was canceled. 
XXXX XXXX was very rude and unprofessional over the phone and never sent us any documentation via email or otherwise as to their policies before or after the verbal purchase. 








XXXX XXXX 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 2015-09-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I signed up for a Home Depot credit card. Stupidly, I gave Home Depot ( actually Citibank ) my social security number. At the beginning of XXXX Citi dunned my account when I had previously set-up the account for auto pay from my local bank. When I went to Home Depot and tried to buy with the HD card, I could not. When I called the credit card nbr, I reminded the rep that I had requested auto-pay. Citi promptly and correctly took an amount for that billinig cycle. But I have heard from XXXX XXXX that this type of mini-fraud occurs often. 
Citibank as of today says it can not remove my SSN from its database. I asked Citi two days ago for my remaining balance to transfer to my local bank. I have not received it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I responded to a flyer mailed to me by Citibank and offering me {$400.00} if I would deposit minimum of {$15000.00} into a new checking OR savings account and leave it for four months. You were to qualify for the {$400.00} in the first 30 days, and then leave the account alone for 90 additional days to be able to retrieve your money. I did that at the XXXX Branch in XXXX. CA. on XX/XX/XXXX and on XX/XX/XXXX I should have had the {$400.00} available to me to withdraw if I wanted to. It is now almost a month later, XX/XX/XXXX, and no money. No {$400.00}. I was told I was the only one at this Citibank branch that had this problem and last week they opened an " investigation ''. I went to the bank for a 2nd time today and was told that the investigation response came back that I did n't qualify because I did n't open a checking account.. The same guy, XXXX, helped me today that opened up the account. I told him that he knows the flyer said either/or, and had it stipulated both, I would have opened both but it did n't so I did n't. He agreed and said he was going to keep working on it and get me my {$400.00}. Then he said something odd : He said I could take the money out but leave my account opened while the investigation is continuing. I told him, 'yeah, I can just see it now. I take my money out and you come back later and say I do n't qualify because I took my money out, even after the promotional deadline passed. '' No thanks, I want the money put in my account immediately. He said he was going to call the branch manager in XXXX in XXXX but I called for her and she 's on vacation this week. This is a scam and a fraud. I do n't believe for a second I 'm the only one with this problem and I have since found others online that have been scammed by Citibank with the very same promotion. I 'm a XXXX school XXXX and I 'm NOT going to stand for this. Please contact me at XXXX. XXXX - 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 2015-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
CITI MORGAGE lied to me XXXX times on my morgage.They said if I made payments in a modification plan for 6 months, they would cut the payments down to a more reasonable payment since I lost {$2000.00} in income.They did not reduce the payments, in fact they went up on the payments.I filed bankruptcy, but did not put the house payment in the bankruptcy.We tried another modification .The modification was for me to pay {$660.00} down and {$300.00} in lawyer fees.They lied to me again. They went up on the payments. I ended up finally in foreclosure.I tried XXXX more time for a modification.This time they came back saying I did n't have enough income to pay a modification. I though that was why they do modifications. so I let them take back the home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
In XXXX of 2012 I lost a good paying job. One that allowed me to afford a mortgage of almost {$1300.00} per. That same month I contacted CitiMortgage to make them aware of the situation ; however the first thing that said that they could not help me until I was at 90 behinds however at that point they will not take payments neither will they take patial payments. Currently they have taken over my title which I was not aware of until someone broke into my home and left a letter on my stove ; indicating they thought the property was vacant but in the meantime ; I was working with the bank month after month, sending them the paper work, the repeatingly kept asking me for. On XX/XX/XXXX I received an email from the bank confirming they received all my documents and that my foreclosure activity will cease while the account is being reviewed ; but that never happended. All the time I was working with CitiMortgage to work with me on a modification they were sending me the paper work but they never actually reviewed my request for modification which I learned today ; which Is why in 8 days I am expected to vacate. I have gone to court at least 4 times to try and have the case rescinded or reopen but the judge finally denied it after my motion to reopen., When I first went, I had no idea who would help me this late in the game ; however I did end up finding a program and when I went to court to show the judge I found a program who agreed to loan me the money to bring my loan current ; the judge denied me. I need to save my home because this is all I have. 

Suggestion requested!

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 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a " collection '' account reporting to Equifax. XXXX XXXX XXXX VA XXXX. I sent a certified letter to the collection agency ; which they did not bother to respond to. I got an email from Equifax today saying the company confirmed with them the amount is correct. I do not have an account in collections with them. They have no right to report this and it seems the credit bureau is " taking their side '' as well as blatantly ignoring the FCRA. I want this deleted from my report. Anyone with a XXXX grade reading level can see the information is wrong. It says I opened the account in XX/XX/XXXX but that my first delinquency is in XX/XX/XXXX. Clearly, that is fraudulent in itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Greentree removes my tax money and does n't pay my taxes until a month later. This time they decided to raise my monthly impound to cover this, by {$1200.00} a year, saying there is a {$970.00} shortfall. There is no shortfall, they just remove $ 4K+ from my account a month early. 

I have proof of the withdrawal and the fact that my taxes remain unpaid. They did this in XXXX of last year as well. I opened a case up then as well. 

I have since requested that impounds be removed for all but the mortgage insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: TRUHOME SOLUTIONS, LLC
State: PA

Complaint narrative:
I was hospitalized in XXXX, XXXX and XXXX of 2016. Because I was hospitalized I immediately contacted my mother to contact my mortgage company. The set up a modification program for me during this time. I met all obligations that they ask and my mortgage is current. They reported me 30, 60, 90 days late to the credit bureau. I am disputing this because it is affecting my credit score. I am selling my current home to satisfy the original terms of my loan. However, I can not get financing because my credit score is XXXX and no one will work me until my score is XXXX. I believe if my mortgage company did not report me as late, and I met their agreement, my credit score would reflect higher than the minimum requirements of XXXX to work with another lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
my Citibank account was a victim of an unauthorized wire transfer for XXXX.citibank has refused to reimburse me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I have been making payments on my Macy Card, the last payment I made was in XX/XX/XXXX for XXXX. I also moved at that time, when I moved I changed my address with all creditors by phone and had my mail forwarded by the Post Office. When I paid my Macy Bill I also included the change of address form with my payment I mailed in, in XX/XX/XXXX. After moving all my mail was being sent to my new address, the only statement that was not being sent to me was my Macy statement. I had assumed the account was paid since bills no longer were coming to me and all my other mail/bills ect were being fowarded. I called Macy today after finding out they reported me 5 months late. I am not late on any bills so it was a shock. During the call that was today XX/XX/XXXX that I made on XXXX Hawaii Time, the lady told me the reason why they stopped sending me bills was because the bill was returned to them, with a sticker from the post office saying I didnt live at that address and I had a forwarding address and that since their servicing dept didnt remove the sticker and update their system that they stopped sending me bills. I gave her my atm card number because they demanded full payment which is fine I pay my bills but they will not issue me a letter or notify the credit bureaus that it was not my fault. She keeps saying all she would do is send me a statement showing I was late. I asked if the error is on your end why should I get dinged for it, that they should issue me a letter to correct it with the credit bureaus so I can fix my credit that was perfect. She said no and that it was my fault cause I should of called back again to change my address that I had changed already. I dont feel that I should be adversely affected since I did my part to update my billing address. All I want is for them to report to the bureaus that I was not at fault and to correct my credit rating. tahnk you

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 2016-02-20 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi Bank Thank You Credit Card Raised Interest rates as follows WITHOUT ANY NOTIFICATION XXXX/XXXX/XXXX : XXXX XXXX XXXX/XXXX/XXXX : XXXX XXXX/XXXX/XXXX : XXXX XXXX XXXX : XXXX Without notice or anything via email or mail- They raised the interest on all charges

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
It is very simple. Citi closed XXXX of my LONGSTANDING credit card accounts because I did not use it enough for them to make money off of me. They did not warn me in any way that they were going to close my account. By closing the account, without warning, they have messed with my credit history and therefore my credit score. I could have EASILY used the card had they provided me with some sort of warning. Once again, a huge company is thinking of its ' bottom line and completely disregarding their affect on the consumer!

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