vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have been given the run around for over 2 years on my loan modification finally I was approved and put on a trial payment and then I was denied that I did n't sign the documents on time. The problem was that they were not sending me the documents and I called various times and asked for the package. The package came in 1 month afterward and I signed the documents and then I was told not to make anymore payment they would not be accepted. The agent told me that I had to fill out another loan modification packaged. That one was denied too. Then finally I got someone who said to file with escalated cases and they would advocate for me and I can get it over turned. Except the person who handled my case was not trying to do anything to help but she said that it was denied to fill out another loan modification too. I have been going back and forth with this issue. I was just told of another denial and that a XXXX XXXX was handling my case with the escalated cases. I have been trying to reach her and have left several messages and have not been able to contact her. I call direct to her line and to the office here at XXXX XXXX and I was told that a XXXX would be calling me but he was on the phone and it would be a long time before I could talk to him. I have called 4 times today and the phone rings and rings to messages or they have caller ID and do not want to take my calls. Usually I do not call so many times but I was told I did n't follow up enough with my paperwork. 
Can you please help me with getting this resolveXXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX hard inquiries by CBNA ( XXXX XXXX, 2016 and XXXX XXXX, 2016 ) appear on my credit check provided by XXXX. Neither of these hard inquiries were requested nor approved by me. I was not only living overseas during this time period but also delivered a baby -- seeking an additional line of credit is not something I did. 
XXXX is unable to resolve the unapproved inquiries as they said they only report on the facts. Thus I called Citibank who would not provide me any information other than requested I " contact the credit bureau '' and suggested perhaps there was fraud. 
I believe either CBNA made unauthorized checks on my credit history or someone was attempting to fraudulently open a line of credit in my name.

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 2016-02-25 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
In XXXX I was forced into XXXX XXXX I was XXXX XXXX XXXX, XXXX I was hit with a bill from SS that they had overpaid me {$6600.00} I had 30 days to contest, now on payments. At the same time I was fighting to pay off my {$11000.00} medical co-pays & out of network expenses. By XXXX XXXX I was unable to keep up I defaulted on several unsecured accounts all but XXXX has now been resolved. I had called the account holders for relief, only XXXX agreed to help. Citibank refused any discussion or relief, told me basically pay up or else. I am now facing a judgement with Citibank as the plaintiff. I offered a settlement but they flatly refused. Telling me they would see me in court. I have nothing no assets, saving, uninsurable, unemployable & I 'm living on my SS.

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 2016-03-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Hello, I 'm having issues with Best Buy Credit Card. The problems started when I charged something to the Best Buy Credit Card with authorization. It was suppose to have been services using the XXXX for some computer work 2 years ago. When I picked up the computer I discovered that none of the work had been done and the company gave me back a complete refund. However, a complete refund was n't processed. The only thing that was charged was through the geeksquad and software that the geeksquad was suppose to install and active, which it never was. Best Buy never removed those charges. Even since then, I 've been battling Best Buy with Fake charges to fees and stuff that I do n't know. I 've finally asked Best Buy to provide me with a complete accounting of all the fees, charges and everything. They are charging me thins such as " late fees '' for claiming that my payment is late, when I pay it at the beginning of the month. Iv'e always paid the card at the beginning of the month and htye 've changed the date from the standard date of the month to a rotational every 28 days ... which means that the date moves. My bank has record on when it paid because its swet to go out the XXXX week of the month as I 'm on XXXX and that 's when my income comes in. I 've called the company they claim they have n't changed, which is non sense. Not only have they changed the pay due date and charging me late fees wthout notficiaiton, they changed the type of charge card from a master card to a visa and I was never given the notficiaton. I 've also had some identity theft issues that I 've been dealing with and these were removed. So basically they are having me pay " late fees '' on something that I 'm not charging only to collect a fee. They claim that the payment is due on the XXXX or something like that and I paid it the XXXX week of the month, two weeks early, so then tjey claim that well y payment must have been fro the previous month because of their " late fee '' wrong, Its for the month. I even went and paid them several times two payments in the same month ( bank records ) and thet still go and charge me claiinng that its late. ( I paid around the XXXX and then the XXXX ) well, if the payment due date is XX/XX/XXXX an I paid on XX/XX/XXXX and they have a 28 day billing cycle then the payment is wthin the correct day closgin, correct? I 've requested the aduit they 've refused. I 've requested to speak with a supervisor regarding this they refuse. At this time I believe that Best Buy owes me for fees that they 've illegally charged because I have n't been using the card at all!!! in case the representative said the ONLY FEES that was on the card were the LATE FEES ... .well if I did n't have a balance and I paid it off athen why am I being charged late fees????? I need help and XXXXbest buy is refusing to assist.

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 2016-02-15 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Year end summary provided by citi shows balance of {$2800.00} on citi thank you card ending in XXXX. Please investigate as your balance shows an excess of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
This all started when we over paid on our home depot credit card bill. I sent in a check for the minimum amount while my boyfriend paid it in full online. This resulted in a credit of roughly {$35.00}. 
I then purchased a miter saw and blade for my boyfriend for XXXX. This was roughly {$170.00} and resulted in a credit card bill of {$140.00}. We were sent the bill and were made aware of the payment due date. 
However, my boyfriend then chose to return the miter saw and blade before the due date. Which means, logically, that we 're back to having a roughly {$35.00} credit on our credit card. 
On the same day, we made a {$28.00} purchase on the card. Believing that because this purchase was made after the closing date for XXXX, and believing our account was now at - {$35.00} ( credit ), we did not have a payment due. 
We just received our XXXX bill and it is showing a {$25.00} late fee that the company is refusing to refund and they also refuse to put our account in " Good Standing '' and are threatening collections when the bill is n't even 2 weeks past due. 
We fully understand that we may be misunderstanding how this all works, however, because of this confusing situation we believe that they should 've done us the courtesy of removing the {$25.00} fee and allowed us to float until XXXX on such a small amount ( {$28.00} ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citi Bank is showing that I have an account open totaling more than {$3000.00} and I 'm an not on that account. I would like it removed from my XXXX and XXXX credit reports.

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 2016-06-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX, I sent my payment by mail to Citi Health Card. I sent my {$580.00} XXXX XXXX money order to Citi Health Card, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX. This address was obtained on their website XXXX. Citi lists this as an address to send payments to. Since then, Citi has not applied this payment, and they can not confirm nor deny that they have received this money. I have spoken to at least XXXX different representatives at different locations, to include XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX, all of whom can not give me a clear answer as to what has happened to this payment and why it has not yet been applied. I did not write my account number on the money, as I did not have that information at the time. I did however write the following " SSN XXXX '', my actual Social Security number, as well as my printed name and signature. This payment was well above the minimum. Please help me to have this money applied to my account.

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 2015-05-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank put a hold on the bank account without notice and said that the address on file was a Post Office or Post Office Box. This is not true. Citibank has returned items and the account has over {$12000.00} in it. No one is helping release the hold. The account has been opened for XXXX years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I recently received a mailing of a new agreement from Citi for my Citi Dividend account informing me of my right to request to opt out of arbitration. I mailed a notice to opt out to the designated Citi XXXX XXXX . Today I received XXXX envelopes from Citi. The letter from XXXX envelope states : " As you requested, effective immediately, your Citi Dividend account is no longer subject to the arbitration provision of your Card Agreement. '' The letter in the other envelope states : " Your Citi Dividend account is still subject to our arbitration provision because your account is n't eligible to opt out of the provision. '' Both letters show my name and address as well as the correct endings for XXXX card numbers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Received a Statement saying Account is 1 Month Past due. Minimum Payment of {$210.00} due XXXX/XXXX/XXXX. Called the Customer service which recorded and Gentleman said no Error on account and that there was no late payments and the Balance was no what stated and No changes have been made. He said he would make a note that there was issue with Account. Then I received a letter after discussing such issue the Company had cut my account to where my Credit Limit was below what Balance of card was. When talked to Company today XXXX/XXXX/XXXX XXXX pm the customer service said I had to late payments when I provided the on time payments with reference number. Stating only XXXX. I was 4 days late but paid first late payment. They said that the credit was reduced due to my Credit Score. Which is in question because when I questioned the Customer service why they doubled my Minimum payment that same day the Reduced my Credit Limit to new Balance. I have documents. When asked talk to a Supervisor over issue the said no one could help and would have call me back. With a long time history with on time payment with just few past couple days have had No past due accounts not paid. Question why they tried to double my payment when we pay more than the minimum each month. Also why did sudden change happen after such conversation of why citi asking for more than the Minimum. Two documents show usual payment of {$81.00} to {$200.00} in one month when payment ontime. And they cut my credit limit due to asking this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I received a deposit of {$50.00} from XXXX XXXX on XXXX/XXXX/2015. I spent a total of XXXX off the card on XXXX at XXXX. I go to the store to make a {$7.00} purchase and my card declined yet i still had a XXXX balance. I called them up they said it was a business/company error my money would be back on the card at XXXX. XXXX comes my money is not there, i call again at XXXX on XXXX/XXXX/2015 they then tell me its my fault and i have to wait 8 days to get my money back. I am so fed up with speaking to these people. How can they just take my money and get away with it. I spoke to a guy name XXXX he claim he was corporate, but there was nothing that he could do. I have to wait 8 days. That money was to be used for bus fare for me to get to work until i got paid I have not been able to go to work or eat because of this situation. It 's not fair. They should not be able to just take my money and not put it back on the card. I do n't understand that. They did the same thing with my girlfriends card but put her money back on the card at XXXX. Please help with this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I opened a Citibank checking account and deposited {$15000.00} on XXXX/XXXX/16. I signed up for a bonus that would earn me {$400.00} if I kept the {$15000.00} in the account for 30 days. The bonus code is XXXX. I did leave my deposit in the account, and Citibank accidentally closed my account on XXXX/XXXX/16 with no notice. The only notice I received was the {$15000.00} check with a letter saying account was closed on XXXX/XXXX/16. I feel that I should receive the {$400.00} bonus because I did n't close the account, Citibank did for no reason, and I kept my side of the bargain when I deposited my money, and it was in the account for at least 38 days.

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 2015-09-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My sister saw an article in XXXX magazine and recommended that I contact you in hope that you can resolve a financial issue with Sear 's credit card company, Citibank. 
Due to an illness, I fell behind in making my monthly payments on my Sears Card to Citibank. Citibank charged me monthly late fees, interest and high minimum payments due that I could not possibly pay. At which point, I stopped trying to make payments that I could not possibly afford and Citibank stopped sending me statements even though my address and phone number have not changed. I 've attached the statements and noticed that they consistently posted my payments 2 months late which I would think would affect the interest calculations. 
On XX/XX/XXXX, I received a letter from Citibank stating my Sears account had been closed. It also stated it was my responsibility for any balance left on my account which was {$2400.00} at that time. 
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX ( Collection Agency ) offering a reduced settlement. I was still not financially able to pay the offered amount. 
In XX/XX/XXXX, now being financially able to settle the debt ( with family help ), I contacted the collection agency on XXXX XXXX, who told me the account was no longer with them, that they had handed my account back to Citibank. They gave me the phone number ( XXXX ) for Citibank to contact. I attempted to do so XXXX ( on XXXX XXXX and XXXX ) but got the run around. No one there would assist me. 
After those unsuccessful calls, I contacted an attorney who advised me to write to them ( copy enclosed ) offering them a payoff. I offered {$1500.00}, the amount that the collection agency proposed previously. I sent the letter certified, return receipt requested on XX/XX/XXXX which was received by them on XX/XX/XXXX. To date, I have not received any response or further communication from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello, I have signed up for a Citibank promotion to recieve XXXX XXXX miles for opening a Citigold account and fulfill their requirements. After doing so and receiving confirmation twice from Citibank, they refused to honor their promotion and I have not received my promotional miles. This is false advertising and dishonorable practice to the consumer who legally fulfilled everything they asked. I have documentation of everything.

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 2016-07-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Liberty Home Equity Solutions, Inc.
State: MO

Complaint narrative:
We obtained a reverse mortgage thru liberty home solutions. For the mortgage the lien was to include our home and XXXX acres. We also have XXXX acres that is ajacent to our home. When the lien was recorded it was placed on our home and the XXXX acres. The co.has admitted the error and told us the would rectify the problem, It would take no more than 6 weeks. We started this process XXXX. We were in contact with XXXX XXXX XXXX at XXXX XXXX XXXX she was the only person that could handle our account XXXX she said 6 weeks total time to finish. We called here every week to check on progress and all she would say is it is on somones desk and she can not call them as she has no phone number for the co.only an email address. after 8 weeks she refused to talk to us. We were able to contact XXXX XXXX at annother office and she was able to put us in contact with XXXX XXXX who told us he could take care of the problem that was three weeks ago.The first week he called and said he needed the legal descrlption of the property. He the called and said he had someone, a title company to fix the error. A couple cays later we called him and he said that they would not fix it.Last friday XXXX he called and said he had a new title co.that was going to fix the error. He said he would call us on monday XXXX but as usual he did not call us and will not call us back. We had our properyt the XXXX acres sold and they were supposed to close on XXXX the buyer is doing a XXXX land exchange and stands to be penalized XXXX if this sale is not completed by a certain date on XXXX. We are now at a standstill no one will talk to us they wont return our calls or take their phone when we call. We leave messages but they dont call us back. We need them to release the lien on our XXXX acres and have the lien on our home and XXXX acres as it was supposed to be. The company is now named XXXX XXXX XXXX XXXX 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 2016-10-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX of 2015 I received a statement from Macy 's stating that I owed {$58.00} and my minimum payment was {$88.00}. When I called Macy 's to question them about that the customer service could not help me. XXXX I got a statement saying I owed {$70.00} because there was a {$37.00} fee? I called the home office and talk to XXXX XXXX I asked the account be removed from collection and credit reinstated she informed me that Macy 's does n't make it a habit to pull back a collection or reinstate credit. I once again explained the situation to no avail she said " maybe there was a late fee or something '' I spoke with her approximately three different times with no resolution the statement even shows when payment was made. Macy 's messed up not I,. I said I would pay the {$33.00} I owed but was told to pay {$70.00} I have taken a picture of of Macy 's own website on the date I paid my payment in XXXX it clearly shows that it was paid at XXXX on XXXX XXXX statement reflects that fact. Yet I was charged {$37.00} fee. I 'm not sure how the math works that I owe {$58.00} with a minimum payment of {$88.00} and then the following month I owe {$70.00} none of it makes sense. And Macy 's obviously could make sense of it either or I would have been told it was probably a late fee or something. It 's completely inaccurate and I want it corrected. And XXXX XXXX is of no help. I would hope you could talk to someone else besides her because she is confused and making things up. Trying to protect the company. I will also be filing a complaint with the State Attorneys General office.

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