vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
We contacted a financial advisor at XXXX XXXX who said we qualified for HARP. Our bank, CitiMortgage, said we did n't but could apply for a loan modification which should take 21 days. Our loan has a fixed rate of 4.125 % and we are not behind on payments but both of us are now on XXXX - financial hardship. Even though we gave immediate responses to every document request it took over 4 months for our bank to offer to assist us by lowering our loan by only .125 % to 4 % - but also extending the 20 remaining years to 40 years and adding an escrow account and extra fees. We 'd asked them that very question and were told " we 'd be offered options we could accept or refuse '' so we persisted through those 4 months. Even without doing the math, the interest for 40 years vs 20 would be outrageous, not even counting the extra fees they require. We feel our rights have been violated, that the whole thing was a scam to try to take more money from us when we need relief. Is there grounds to check into a legal case against CitiMortgage? We do not want CitiMortgage to be contacted unless our rights have been violated.

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 2015-05-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Had a SEARS account since 1975 in good standingAttempted to buy a book on XXXX and it was declinedOn their website, my account looks fine, no cancellation or negative information of any kind! 
Selected CHAT and was just now informed that my {$2000.00} line of credit/card was cancelled at sometime due to inactivity! With absolutely NO prior written notice as required by law, I believeThe CHAT female even hung up on my cut me off

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Homeowner Assistance Package ( loss mitigation ) submitted to Citimortgage, requesting forbearance. I am pending receipt of award letter from Social Security XXXX, which will enable to resume mortgage payments. Homeowner Assistance application was deemed complete on XXXX XXXX, 2016 ; however, suit was filed in XXXX County District Court on XXXX XXXX ( case # XXXX ) - AFTER the Assistance Application was already in underwriting review. 

I have attached a letter ( with attachments from Citimortgage ) that I faxed to the Citimortgage retained law firm, outlining the circumstances as well as the date of Assistance Application completion. Per the documentation from Citimortgage, all foreclosure activity was to cease after the assistance application is deemed complete. Nonetheless, foreclosure procedures were filed 14 days after the loss mitigation package was completed and forwarded to underwriting review. I believe this to be a case of " Dual Tracking '' and in violation of 12 CFR part 1024.41 ( c ). 

I have contacted the Citimortgage Homeowner Support Specialist assigned to my case regarding this foreclosure activity. On XXXX XXXX, I was informed that " there should be no foreclosure activity '' ( see attached email ). I then provided them the case number of the law suit. No other response was received from either Citimortgage or their attorney after informing them of this foreclosure activity.

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 2016-10-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
sears just closed my account thats been open for a couple years for no reason i paid on time i have no big balance with them

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 2016-05-25 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was an authorized user on a Citicard account of my dad 's, not a guarantor. They have consistently filed this on my credit bureau. When it came time to get a business credit card for my business this account inhibitied my ability to get an a business credit card. I removed myself from the account and asked for a letter stating I was no longer attached to this account as an authorized user. The letter came in my dad 's name which was not helpful to me. I called and asked for another letter. It never came. So I called back and they refuse to send a letter unless my dad calls and verifies his account. They are still reporting to my credit bureau and are not helping me correct their mistake. I was on the account when I asked for the letter. I want the account off my credit bureau and a letter that states I 'm not on this account or responsible for it.

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 2016-03-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I recently realise on my Best Buy c.c. That i been charge beside monly interest for payment protection incurance. I seen it years ago but i was new credit card holder and dint know much how it works ( i have best buy c.c since XXXX ). Anyway i disade to call casumer service and ask ( XXXX/XXXX/XXXX ). Thay explai that i am paying that just in case i am not able to pay min montly payment they cover it ... I dont think so i ever sing up for that service and i ask for refound ... She submite a claim form and i should have answer by 30days. I logg in today and saw refound of XXXX $ and XXXX $ ( Only ). I call again and have answer that i been charge for last tree months only and i have my refound back! Answer was i been charge for last tree monts only and i never been charge before! ( i dont know why would that seriuse company resove a problem with a lie ) .i been charge for a years for that service, and i want refound for every pany i payed without singing on and knowing that i been chrge for something that i never use or knowing what is it! Also i see that they change my acc # last year before change my acc # was ending XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am a victim of Identity Theft with a complete FTC package ( police report & affidavit ) and per state regulations I have a security freeze and a fraud alert on all three of my consumer reports. 

On XXXX/XXXX/2016 I applied for a Best Buy Credit Card issued by Citi Bank. Prior to submitting the application and thus 'hard pulling ' the actual report, Citi Bank were aware of the following fraud alert through 'soft pulling ' : XXXX XXXX XXXX : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/2016. ' When they did a hard pull, which was indeed authorized by myself, taking into account that they 'd ignore the fraudulent inquiries shown as 'disputed ' for 10 days BEFORE I APPLIED. They did a hard pulling and declined me because of solely being a victim of identity theft. This raises a legal issue of discrimination as it is certainly not my fault that my identity got stolen. If at any time prior to the hard pull, was I aware of they intentionally declining me prior to this, I would n't made the application and damage by report. Other lenders have previously issued me credit, DESPITE THE FRAUDULENT INQUIRIES as they knew I have n't done them myself per the fraud alert which you can see by soft pulling. I believe reason to believe that this is intentional and I would like to seek legal remedies to have the Best Buy Citi Bank Inquiry removed from my XXXX Credit Report. 

I have opened at least XXXX credit card accounts : XXXX and XXXX XXXX with both of the creditors being aware of inquiries on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
The company with phone number XXXX continues to call my number. Last Friday it was @ XXXX, Saturday @ XXXX and XXXX, Sunday @ XXXX, Monday XXXX. The internet says this number is a debt collector for credit cards. I wish you could get them off calling my number, as they have a wrong number. Most of the time no XXXX answers, it 's just a quiet. The person they are looking for is not at this number and NEVER has been. We 've had this number for over 20 years. I 'm crazy with their nagging! There 's been more calls than above noted. Please get them to STOP! 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We filed the background on this issue previously [ Case number : XXXX ]. 
No one at Citi admits fault ; however, they finally ( after more than 6 months ) have authorized a " modification '' to our loan. 

The remaining issue is that the people and processes inside Citi appear to be incompetent. No one shares information. Records are not updated properly. 

Although we continue to make on-time payments, we are charged " late fees ''. We continue to get " Important '' telephone calls from Citi. We have a " specialist '' assigned who no longer communicates with us or responds to email. A recent message through the internal messaging system received a reply alleging " I spoke to our collections unit and they state there is? no? modification on file for this loan. '' And yet, there is a modification on file _somewhere_.

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
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I took the Citi XXXX XXXX card due to an offer for credit off a flight I was booking. I made the payment for the full amount by phone, received a confirmation # and also a paper statement showing a balance of XXXX. A few days later I started receiving calls from Citi saying my account was over due. I called back and they said the payment had been returned. I attemped to make the payment again and it seemed to go through again. Now a week later the account shows a balance again and another late fee and returned check fee.

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 2016-03-03 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I have a Home Depot Credit Card. I noticed that there was a {$2.00} interest charge that had been added. I called and was told that it was a mistake and they removed the charge. My concern is that how many people have " inadvertently '' had the {$2.00} charges added and did not notice it and paid it. I just want you to be aware that this happened in case it is a regular occurrence to scam customers.

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 2016-01-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern ; I appreciate the email dated ( XXXX/XXXX/XXXX ) addressing some questions ; but avoids the real issues. As a consumer this is how it looks ; 1. We decided to participate in the XXXX XXXX program with the understanding that the award miles could be used to book flights with the XXXX partners ( XXXX ) under their current advertised mileage per seat/class. To our destination one way is XXXX miles for XXXX XXXX. 
2. We qualified for booking on XXXX/XXXX/XXXX or 332 days prior to our scheduled flight date of XXXX/XXXX/XXXX. 
3. Since this date, I have called every day to be told that XXXX does not have any inventory available, unless you book non-rewards. It is evident that availability is there, but not for REWARDS travel. 
4. I am told that AA has mileage rewards and can be booked at a higher cost ( more than doubled the cost ) at XXXX XXXX way for same class. 
If this is a partnership under one program, or advertised as such, and XXXX allows to book on their flights using mileage rewards at a higher cost, but XXXX does n't, then the consumer ( s ) in the program is forced to take the higher cost reward. In the real world, this is called " extortion ''. 
And of course, the award mileage levels will change on XXXX XXXX, XXXX. So, I would assume that any inventory that might become available would be after XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX and Citibank opened an account for the XXXX by Citi without my consent. They transitioned the balance from my XXXX XXXX card to that account without approval. I never received a card or a bill for the account. Then they began charging me with late fees and interest. I have contacted them and requested they credit all late fees and interest. They have agreed to credit XXXX charges but would not credit the remaining {$75.00} in charges. I have paid the charges for any purchases I have made but not the late fees and 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 2016-07-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Synovus Bank
State: NV

Complaint narrative:
I have a secure credit card with First Progress Bank and I used to pay some service online, next thing I know is a letter that came on the mail saying that there was some suspicious transaction that they needed to verify and they were going to put an stop on the card until I call to verify. What is my surprised when I call for that issue, the hold period on the phone is 10 min. when they answer they put you on hold for 2-3 min. at the time any time they need to verify what you are telling them and .... if that is not enough after you answer all their interrogatory, they put you on hold one more time and come back and tell me that I needed to send a copy of my SS, ID and XXXX utility bills to verify that is me, so I go ahead and fax the documents out to their fax and when I call to verify they received, hoping that was the end of my night mare ... no the supervisor said that the copy of my ID and SS card were to dark that they could not read it, that I needed to send another. After all this I 've been on the phone for 3 hours with them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a Pre-Paid Citi Card ( debit XXXX ) due to a large purchase of a XXXX dishwasher. 

The card was a {$200.00} pre-paid card. I assumed that I could only charge {$200.00} and that would deplete the card to zero. Any additional amount that takes me beyond the {$200.00} limit should be declined. 

However, that is not the case apparently. These pre-paid cards are being sold as a " pre-paid '' card, when in fact you can go negative on your balance. Essentially charging more than the limit you are given. Citi-Prepaid says that this happens if there is a charge pending and another charge hits while the other XXXX is pending. Irrelevant in my opinion. This is fraudulent and should NOT be allowed to happen. 

I had to speak to XXXX different people with XXXX different companies to try to resolve this - Citi Prepaid Customer Support and the " corporate office '' that they transferred me to. I was transferred back and forth, disconnected 3 times, and spoke with XXXX different supervisors. No one could resolve my issue. I have a NEGATIVE balance on my card of {$16.00}. Consumers should be protected from this type of activity. 

This is actually a scam being run my credit card companies and should be stopped.

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: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Green Square Company LLC.
State: NY

Complaint narrative:
A message were left on my voice mail by phone number XXXX. I retrieved the message and a mail voice said " This is a call XXXX a call is required for a statement from myself or my attorney. I called the number and after multiple attempts a female answer and I gave the reference number which was left on my voice mail. The female caller were asking question to verify information, I stated I do n't know anything and refrain from calling this cell number. The person then went on to say " I will contact you through your employer and have you arrested. ''

Company response to consumer: Closed
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Grant & Weber
State: CA

Complaint narrative:
this wasnt me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber
State: CA

Complaint narrative:
Hello, I received a collection letter sometimes on or about XXXX XXXX 2015, from a company named GRANT & WEBER, stating a debt from a hospital, dating back to XXXX of 2015. I called this company and spoke with XXXX XXXX disputing this debt and followed that up in writing by mailing a copy of my dispute letter on XXXX/XXXX/2015 and also by fax on XXXX/XXXX/2015. Based on my notes, my balance was Zero after I had called the hospital in the month of XXXX of 2015. I requested copies and verification of the debt from GRANT & WEBER verbally and in writing. ( Copy is attached ) After my communication with GRANT & WEBER I never received any more correspondence even though I had the understanding from the representative that I will receive the documents I requested. I never received any response afterwards and that gave me the impression this company could not validate the alleged debt ; therefore, they did not bother to respond or follow up any further. Until last night that I received a notification from my credit monitoring agency that my credit profile was flagged by GRAND & WEBER and this is nearly one year after my last communications with this company. This company had acknowledged my demand for proof of debt and their authority, however, they never responded and failed to provide appropriate documents so that I would have my lawful and legitimate opportunity to review and examine this alleged debt and resolve the issue appropriately. 

I feel this company has acted maliciously and without warrant in this matter for flagging my credit file. This derogatory action on my credit is unjustified and premature. GRANT & WEBER did not act lawfully in this matter but, solely to satisfy the so called creditor in this case, by flagging my credit profile. This unjust action has caused a XXXX point drop in my credit score today which will immediately impact my credit worthiness thus creating a major setback at the time my family is financially struggling to survive. This company acted intentionally malicious to force me to settle a claim that I had disputed. Another company had filed a claim regarding same and they could n't prove the debt and was thrown out. I DO NOT OWE thus there should not be a flag on my credit profile by GANT & WEBER until the debt it 's proven and resolution has been reached. Copy of the first letter by G & W, showing my notes on the letter and, my subsequent response is attached herein.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have a car loan that is through Santander Consumer USA. Bought my car in XX/XX/2010 and the loan was sold to Santander. My original loan was for XXXX months. I 've now paid XXXX months and they still say I owe a balance and a miscellaneous fees. They can not tell me why I owe a balance or what it 's from. They will call at least 20 times a day under different numbers from XXXX am to XXXX. They have called a neighbor that lived on my neighborhood saying they were trying to get ahold of me. Have no idea how they got her number. Even though let them I 've made all of my patents I still owe money and they have listed my car as in collections on our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Green Square Company LLC.
State: NJ

Complaint narrative:
My client has been contacted by a debt collection agency regarding an alleged debt. They have refused to disclose the original creditor, and when my client requested they send him a letter with information about the original obligation, the original creditor, or the method of calculation of the debt, they told him that " they do n't do that. '' This morning they left my client a voice message indicating that a " complaint has been filed '' against my client 's name and social security number, and that if I " refuse to cooperate '' they will " release information to my employer. '' I believe they have violated the FDCPA and that appropriate sanctions should be assessed against them. My client has no recollection about owing this money but they collection agency refuses to provide additional information about the alleged debt.

Company response to consumer: Closed