vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: ID

Complaint narrative:
XXXXThis Company took a stackable washer and dryer out. When it was put in, they hooked it up wrong twice. 
It was a XXXX person job and XXXX was sick so XXXX did it, It was to heavy, he chipped my NEW tavertine, scratched it, and hooked it wrong once again. They chipped up my walls hallway, and it was fresh construction. 
Came back to try, to redo washer and dryer, steam coning from a hose miss put in. Knocked a piece off plaster off, and said whoops. 
Paid {$190.00}. for XXXX to come in and correct their mistake, If anything they owe me money. I have written a letter with pictures of damage to the management, This was not a emergency thing, had problems for months, they where the only company available. I got a {$500.00}. dollar estimate to re paint and fix damage. 
However I have sold this property and am done. I would be happy to send you my letter of complaint if I have a e-mail address. 

XXXX XXXX XXXXXXXXXXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a XXXX XXXX Credit Card account with Citi due to the limited time offer of XXXX points for {$2000.00} eligible spending in the first 3 months. I have access to this offer from both Citi website and XXXX website, and applied through the link offered. However, upon opening of this account, I only received the regular offer of XXXX points for {$1000.00} eligible spending in the first few months. I followed up with Citi on the limited time offer as provided, but Citi refused to honor the promised offer.

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 2016-06-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen failed to notify me of the details surrounding my change in payment. I happened to look at my statement in " Important notes '' and it was in the middle of the paragraph, very non descript, no bold type, etc. and certainly not the first note as it should have been due to the importance of a payment change. THe notes read as follows : " Unapplied Funds : Any partial payments that you make are not applied to your mortgage, but instead are held in a separate unapplied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. 
Please note that your monthly payment amount has changed to {$3400.00} effective XXXX/XXXX/2016. Further detail regarding the reason for this change will be included in a separate letter. 
Please note that your monthly payment amount has changed to {$3400.00} effective XXXX/XXXX/2016. Further detail regarding the reason for this change will be included in a separate letter. 
Payments received are to be applied in accordance with the mortgage note. Payments will be first applied to bring the loan contractually current. Any additional funds received will be applied to outstanding fees and advances prior to being applied to principal. 
Our records indicate that you have filed for bankruptcy protection. This statement applies to our lien on the subject mortgaged property and is being provided for informational purposes only. If any payments are remitted, please include the coupon below with any payments se ... '' I have NOT received any " Further detail regarding the reason for this change will be included in a separate letter. '' for either the XXXX payment change or the XXXX payment change.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Asset Management Systems Inc
State: OK

Complaint narrative:
Lied about owner of school skipping town to XXXX and heed all records and the federal government was looking for him when I asked for copy of any and all school records told them I was filling for loan discharge they told me it did n't matter that the apps would be thrown in trash by the student loan people. I sent three apps in with a time span of 4 to 6 weeks of weighting for a response from the student loan pepole For each one. None came sent letter to student loan people reporting the story I was giving to them.as well asking about the loan discharge apps I sent threw the collections agincy.there response was that they are very Thorel in keeping records and had no record of receiving any apps from me and stated that there was no evidence of illegal activity going on with the school. This happened many years a go.I had no one to turn to or new what to do so I complied and continued to pay and I 'm still paying.there was not any thing done about my complaint to the student loan pepole.it was forgotten.I have been paying them money under false and miss leading information for years now.the collection agency never sent the apps to the student loan pepole.

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 2016-08-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA

Complaint narrative:
XXXX XXXX is a indivivual and has hired a debt collection agency to try and get {$5000.00} from my business and the individuals who work at this business. My auto shop performed some repairs on XXXX 's vehicle for {$810.00} and now has hired Fidelity Information Corporation to collect {$5000.00} from us. No individual can hire a collection company. How can this company try and do this and on what grounds. Its litigation and illegal for this company to do this under the Fair Debt Collection Practices Act. This company has committed many fraudulent acts as you can read all over the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear CFPB-I was served court documents by the above named Law Firm dated XXXX XXXX 2015. After following through filing and answering back to this Law Firm with proper legal documents. We have received more legal/letter documents dated XXXX XXXX. 2015, upon reading and reviewing all the documents, the Law Firm has erroneously and falsely indicated in these forms that I had acknowledge having legal counsel concerning my rights and stipulation concerning these forms. Also from previous phone conversations on XXXX XXXX. 2015, we had requested XXXX ( Law Firm Representative ) to please contact CitiBank that we are willing to settle the debt for half the amount if possible. We feel that she never attempted to contacted the Bank, other then admitting that the debt was reviewed and that our request is denied. I also feel that my rights as a consumer are being violated by this Law Firm forcefully wanting me sign their forms/documents. Please advise me of proper legal proceeding with this Law Firm. Thank you kindly for your assistance. 

Respectfully-XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I received a prepaid debit card ( XXXX ) for a rebate. Its exp date was XXXX. I misplaced the card around XXXX, and just found it. I called the issuer ( Citibank ) to request reactivation/replacement, as the CFPB says is required. They said they could not, that the remaining value ( ~ {$26.00} according to their records and mine ) was forfeited. I 'd like to get that repalced correctly. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I signed up a new Citi XXXX XXXX credit card on XXXX/XXXX/2016 with the promotional offer of XXXX XXXX points after spending {$2000.00} within 3 months. I spent {$2000.00} on the card in the first statement period and have not received the XXXX points after XXXX statement periods passed. Other banks post the bonus points at the month completing the spendings. I have waited for more than three months. My Citi XXXX XXXX credit card application ID is XXXX, and my Citi XXXX XXXX credit card number is 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 2015-05-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, 2015, at XXXX I was in line at the City Bank branch located atXXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. 

I was in line for XXXX minutes waiting to pay my City Bank Credit card, when I was approached by Branch Manager Vice President XXXX XXXX. XXXX XXXX XXXX demanded I give up my turn in line too XXXX customers who were not in my line. I explained to XXXX XXXX I had been waiting in line for XXXX minutes and I needed to get back to work ASAP. XXXX XXXX stated to me that I did not have an account with City Bank and needed to let the others customers go before me. 

I stated to XXXX XXXX, I did have a City Bank account which is my City Bank credit card and Icould pay my City Bank Credit card at any City Bank Branch if I desired. XXXX XXXX started yelling at me to get out of her Bank, because I did not have a City Bank account. I stated to XXXX XXXX I was a City Bank customer and I had the right to be in this branch to pay my credit card bill. 

XXXX XXXX became belligerent and threatening towards me because I would not give up my place in line too XXXX XXXX customers. XXXX XXXX shows favoritism to XXXX customers over XXXX customers. XXXX XXXX clearly intentionally discriminated against me, because I am XXXX, by demanding I give up my space in line and to get out of her branch, because I did not have a City Bank account, which is False.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
XXXX hired Financial Asset Management Systems to collect on a private student loan debt. Under complaint number XXXX, Financial Asset Management Systems ( " FAMS '' ) alleges that they used " XXXX Collection Advantage to identify, confirm, and/or validate your location information due to the fact that we have been unable to identify your actual mailing address and you have mailed to provide same. '' I had requested in writing to FAMS in XXXX 2015, not to contact me anymore to which they agreed. There was no reason that FAMS needed location information since they had a cease and desist request from me. However, they used the XXXX on XXXX XXXX, 2015, for which there was no reason for it since they were not to contact me after XXXX 2015. The only reason FAMS used the XXXX on XXXX XXXX, 2015, was to harass and annoy me in flagrant violation of the Fair Debt Collections Practices Act. They had already received a written cease and desist in XXXX 2015, so there was no reason to try and contact me after that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Recently, I received letters from Citi Bank 's Credit card department saying that my all 4 credit card accounts were closed by Citi bank on XX/XX/2017. They did not provide a valid reason. The letters only stated " Pursuant to Our Card Agreement, we have the right to close your account at our discretion anytime without prior notice. We have chosen to exercise this right. '' I felt like I am being discriminated. I have been with Citi Credit Card for more than 15 years. I made payment on time. I never spent over my credit line. My credit score is above XXXX. 

I called their customer services many times and no one can address my problems. I was asked to only send questions to their Executive Response Unit by mail.

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 2015-09-16 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XXXX XXXX, 2015, I took advantage of a promotion in the Macy 's men 's department at their XXXX, OR store where I would receive a XXXX % discount if I opened a revolving charge account. So I did, and promptly paid the full amount of the charge right there at the checkout stand. Several months later, I receive a statement that I owed more than {$500.00}. Upon investigating, I discovered that the account was charged XXXX for the same purchase. Once at the discounted price of {$390.00} that I paid on the spot, but then the charge at the full price of {$480.00} was also added for the same transaction. I never received a statement until several months later to discover the account had been referred to collections and more than {$100.00} in late fees and interest were also added. After trying for several weeks, and speaking to dozens of customer service representatives, I am compelled to file a formal complaint against Macy 's and their predatory credit practices. They lure customers to open usurious revolving charge accounts with discounts at the time of purchase only to rip-off consumers with false charges to their accounts and then charge outrageous late fees and penalties, referrals to collection agencies, and incur deleterious impacts to their credit scores without providing consumer-friendly, effective means to redress the problems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-02 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Prior to XXXX XXXX turning over its Costco credit business to Citibank, XXXX XXXX resolved an account dispute with us, confirming in a recorded telephone call that we were entitled to a {$1000.00} credit and that such credit would be credited to our account forthwith. Before the credit was received, the transfer of the credit card business by XXXX XXXX to Citibank was competed. Citibank thereafter repeatedly promised ( in recorded telephone conversations ) to make good on the obligation it inherited from XXXX XXXX and complete the {$1000.00} credit forthwith. Citibank inexplicably has repeatedly failed, and now refuses, to complete the promised credit in violation of both its agreement to do so and in default of XXXX XXXX ' similar promise to which Citibank succeeded to. Citibank has even had some phony dispute resolution expert named XXXX XXXX pretend to be seeking a resolution of the matter. His promised response was never forthcoming, and his failure and refusal to return telephone calls confirms Citibank 's continuing bad faith in this matter. The dispute is unresolved after more than four months and countless hours of effort by us and unfulfilled promises from XXXX XXXX and Citibank.

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 2016-06-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened a Citigold checking account which had a sign-up bonus of XXXX XXXX miles after meeting some requirements. Once I met those requirements, I contacted Citi to see where my miles were and they told me that I did meet the requirements as I was supposed to, however, they were not going to honor the XXXX XXXX miles because I was n't targeted for the promotion. I have a screenshot of the promotion that says I am targeted, so I do n't understand why they would say that. It seems like they just do n't want to give me my miles.

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: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
XX/XX/2016 I filed an application for a mortgage modification. We had a hardship the prior year and tried modifying our mortgage back then but was denied due to missing information. So we started to try and catch up on our mortgage on our own but was not possible. So the application was submitted along with all required documents. Our mortgage bank ( Citi Mortgage ) sent a letter stating that " ALL '' documents have been received and no further information was needed. Since we were denied before for application being incomplete i continued to send pay stubs and bank information. I followed up with the bank 1-2 weekly ... always told application is pending with the underwriter. As of today it 's been 3 months pending and about 2 weeks ago I received a foreclosure letter with a date set for XX/XX/XXXX. As I get home today I received another letter asking me to send in all the documents again. The same information they already have and I have emails and regular mail stating all required information is complete. I contact the foreclosure attorney that is assigned our case and they had no idea we had a pending modification and can only stop it when the bank contacts them. I then contact the bank and they keep telling me that there is nothing they can do until they receive notice from the underwriter. Looks like the foreclosure will go through before we can get a loan modification agreement. I need help, who do i contact ....

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 2015-06-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In XXXX I purchased a new home. It was a foreclosure that needed a ton of repairs as it had been vacant for almost a year before. I went to Home Depot to try and obtain a " XXXX XXXX '' to hopefully be able to afford the things I needed. Unfortunately they did not approve the loan but a member of their prodesk said that they could sign me up for a credit card that had a high enough limit to purchase the things that I needed. We walked to the front and went over the pertinent info : name, work info, social, etc. They approved me for a {$5000.00} credit card, so i purchased a full kitchen suite and flooring for the new house, maxing out the card immediately. A month goes by and I returned some products so I went to check the balance of the card to make sure they cleared and made a small payment. A few days later I received a call from someone from Home Depots credit card service asking about unpaid invoices. Not sure what they meant, I asked what the invoices were about and they named the items that I had purchased. I told them I had made a payment online a few days prior which they confirmed, but then they informed me that the card I had signed up for a was a " paid in full account. '' Something that had never at any point been disclosed to me. Had it been disclosed, I never would have spent all that money. I have made every effort to work with the XXXX to have this line converted to a revolving line of credit however they were unable to approve the change without opening a new line of credit, then transferring this amount to the new card. However, when they tried to do that, I was ineligible DUE TO THE BALANCE ON THE EXISTING CARD. I 'm not sure what to do now. they have been reporting to credit bureaus monthly for the last few months as late payments because the entire balance of the card has not been paid. My credit score has fallen nearly XXXX in that time to XXXX and the entire {$5000.00} amount will be sent to collections after 120 days. I attempted to work out a home equity loan with my bank to try and pay off the debt with that, however was unable to because of my credit score and the length of time since my last credit line was opened. So in essence, I am unable to access the equity in my old townhouse ( ~ $ XXXX ), which would only be used to consolidate existing debt due to my newly lowered score and my newly existing debt. I do n't know where to go from here. I 've tried to work with the store and the credit company and neither XXXX is capable or willing to help. All I want to do is make payments on the card that I was not fully informed of the terms for. I never would have signed up for the card had I known it would have turned into all this. I 've always been a Home Depot shopper, but they are on the verge of losing a customer for life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have been receiving telephone calls from it seems Citi-Bank on my number at XXXX. The number calling me is XXXX. It is for a Sear Credit card. I do t have a Sear credit card. I have spoke with someone from Citi several times and today they have called me 5 times. I want and need for this to stop. They wo n't give me information but want my name and SS #. I do n't think so. If these people continue to call and harass me again I 'm suing. 

Thanks 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