vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened up a new checking and savings account with Citibank in XX/XX/XXXX through a promotion that would pay a bonus of {$400.00} if I maintained {$15000.00} across the two accounts. I deposited the required amount of funds into the savings account and maintained the balance for the length of time required by the promotion ( in fact, the {$15000.00} is still in my savings account to this day ). In XX/XX/XXXX, Citibank closed my checking account without my knowledge. 

When I inquired about payment of the promotional bonus, I received the following message from Citibank : " We show that Checking account number # XXXX was closed on XX/XX/XXXX ; therefore, the account is not eligible to receive {$400.00} in fulfillment of Promotion XXXX. '' I spoke to two different Citibank supervisors via the CitiPhone line, who both assured me as the checking account was closed by Citibank without my knowledge, that I was entitled to the promotional bonus as I had kept the full {$15000.00} in my savings accounts as required by the promotion. They both promised that I would receive the {$400.00} within 10-14 days. However, in both cases, I received a letter from Citibank denying that I was owed the bonus. My last contact with a manager was on XX/XX/XXXX at approximately XXXX ET. 

Citibank has acted fraudulently and in bad faith in this situation as the reason they are now denying my bonus was due to an action that they took unilaterally. Further, they still had access to my {$15000.00} during this entire time.

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 2019-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
AFNI is reporting a collection/charge-off account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with AFNI. I have never received any correspondence from AFNI stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that AFNI owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. AFNI is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure AFNI understands the importance of properly investigating my concern. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in AFNI 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Local Management, LLC
State: AL

Complaint narrative:
I have an open account. My due date is the XXXX of every month. Someone visited my hone and left a threatening letter on the XXXX. A late fee has not been added to my account and the was one other time a late fee was added. I have never paid account beyond 30 days and this is not the type of letter I, or  anyone else, should receive if account is not " seriously delinquent '' as letter so states.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
Wakefields and Associates is on my collections report for an old doctor visit that was written off by the hospital as " XXXX XXXX ''. The hospital wrote the bill off due to my financial standing at the time being a college student and now Wakefields ( third party debt collection ) bought the unknown about debt from the hospital and is asking me to make a payment on a bill. Once they contacted me, I asked them for documentation that they had proper paper work and they can not provide information of the bills. This account has no legal right to be on my credit collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart
State: MO

Complaint narrative:
Insta credit auto mart in XXXX Illinois will not take the car loan off my credit report. It is paid off I have called them numerous of times disputed it and went up there. The account was paid off over a month ago and when I spoke to the man at the facility about it he hung up after being rude the while time. I have proof it is paid off.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
We purchased a pickup truck from a dealer and got a financing with high credit score ( XXXX and XXXX respectively ). 
An automatic payment was set up with XXXX XXXX XXXX ( XXXX  ), the financial institution, on XX/XX/XXXX. ( letter of acceptance on record ). 
The loan amount is {$320.00} for 40 months. 
WFS sold the loan and CLOSED the account on XX/XX/XXXX to XXXX XXXX XXXX ( XXXX  ). 
The automatic payment followed through until XX/XX/XXXX. 
XXXX did not report our automatic payment in XX/XX/XXXX when it was paid. The account from XXXX was already closed since 3 months, correctly reported as paid on XXXX, XXXX, XX/XX/XXXX but NOT in XXXX. 
XXXX was paid but did not report it as paid. 
A payment of {$640.00} was withdrawn on XX/XX/XXXX and an additional {$320.00} was withdrawn on that same day for a total of {$960.00}. Have bank statement on record. 
Despite the fact that XXXX was paid for XXXX, XXXX and XXXX, they withdraw more money and reported an unpaid balance in XXXX. 
XXXX has NEVER sent an email, NEVER sent a letter by mail nor has NEVER left a voicemail.

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 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I went into a branch location to make a cash payment. The teller told me I can only make a cash payment at the ATM with my PIN number. This morning I communicated with a Citibank representative via online chat to get my PIN. I was given a 1800 number to avoid a delay of 7-10 business days for the PIN to be mailed. I called the number and the representative transferred me to another person, however we were soon disconnected. I then called back the same number and I was told I had to receive my PIN by mail. I then requested a supervisor. The supervisor told me the same thing ; however, she could not explain why I was told by two representatives that there is another way. 

It is ridiculous that I am having trouble trying to make an early payment in cash. This is poor customer service and a waste of my time.

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 2019-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: ME

Complaint narrative:
I keep getting phone calls from a XXXX XXXX XXXX XXXX XXXX, when I answer I get a recorded message they are not taking messages now, this is constant every day or so. I tried to look up this company 's contact information, all they give is the phone number they never answer. XXXX XXXX XXXX. I XXXX   this company and the complaints are endless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I receive section XXXX subsidy payments from Dept. Housing & Urban Development ( HUD ) As a result of the recent government shutdown, which affected HUD, my payments were delayed causing me to miss a payment with Synchrony Bank issued Walmart card. 
Every body in this country knows a lot of people were late on bills and rent, some didn't have food as a result of the shutdown ; as it was widespread on the news.

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 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Karma, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX in XXXX Illinois will not take the car loan off my credit report. It is paid off I have called them numerous of times disputed it and went up there. The account was paid off over a month ago and when I spoke to the man at the facility about it he hung up after being rude the while time. I have proof it is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I paid this at time of service many many years ago. This is a scam and they are trying to get more money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: WI

Complaint narrative:
This is debt is in connection to someone living in XXXX Arizona. I do not live in that city or state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover currently has a debt listed on my credit bureaus in the amount of {$1900.00}. This debt does not belong to me and is a result of identity theft. I have contacted creditor regarding fraud collections ; however, I have not received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
The called me XX/XX/19 telling me my file was on there desk and if I didnt respond they would be servicing me at my work. 
They never sent a validation letter until XX/XX/19. And when I asked the girl for one she told me she didnt have to send one because her clients already did. 
They called me multiple times with out sending the validation letter acting very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I began a checking account with Citizen 's Bank at the beginning of XXXX. On XX/XX/XXXX I checked my balance and saw a debit for {$1900.00}. I immediately called the bank to inquire and they notified me that this was taken out of my account to pay for a student loan that I have with them. The loan was taken on XX/XX/XXXX through Citizen 's Bank. I did not graduate undergraduate school until XX/XX/XXXX. I spoke with a supervisor named XXXX who told me that all of this is legal and protocol and that I should've been notified that this would happen but I absolutely never was. They had the wrong address on file for me and a phone number that I nor any of my friends and family have EVER been associated with. Up until today, I have gotten 0 letters, emails, or phone calls about this matter. XXXX told me that I should've been notified but I never was. The woman I spoke with, XXXX, before talking to XXXX told me that these loans don't have to be paid on until I graduate undergraduate school, but XXXX told me that it was defaulted on XX/XX/XXXX, one year before I graduated school. I should not have been taken advantage of this way. I should've been asked or at the very least notified that this would happen. They don't have my correct graduation date, phone number, address, or anything on file for me. I would like this money back in my account immediately and would like to arrange a payment plan to pay this loan off. I am currently voluntarily paying towards my student loans outside of Citizen 's Bank because I want to pay my loans off sooner than later, but had no idea that this one had to be paid off otherwise I absolutely would've been. I check my credit religiously and I would think that if a loan defaulted, it wouldshow up on there but I have seen nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I missed a payment on my Synchrony Bank issued Walmart card because of my monthly payments were delayed from Hud because of the Government shutdown. The company used this to close my Lowes account even though I have never missed any payments on that account. This unfairly affects my credit score.

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 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was chatting with Citibank on XX/XX/2019 at XXXX when the chat first started. I was asking a simply question about my minimum that was due and why it was so high. I was trying to see if it was possible to get it lowered. I have never been late on payment or never NOT made a payment. I have never been charged so high as of recent and was trying to figure out what could I do to get it lowered. They kept telling me the standard information. Which I understand, I was possibly trying to get it lowered because I am a loyal customer over 12 years. I was forwarded over 3 times to different people that told me the exact same thing. One representative was rude, name XXXX ID # XXXX. Not sure if the ID number is correct because they were hesitant to give me his information. He was very rude and disrespectful and just told me to pay the bill as if I don't pay my Credit Card bill at all or on time. To simply this matter I was just wondering what could have been done differently. The actions was letting me pay {$150.00} this month and a {$10.00} credit. Its cool and all but that's still not answering my questions or concerns.

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 2019-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
I called XXXX XXXX XXXX because I was going to set up for a service They told me I had a past due balance I paid the past due balance Now this debt collection agency tells me I still owe them how is that so if I paid them the past do balance they have not showed me how I still owe {$260.00} as in how those charges where accumulated Also I didnt receive a validation letter in the first five days of contact

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover Credit Card currently lists a charged off account on all three of my credit bureaus in the amount of {$1900.00}. This account does not belong to me and should be immediately deleted. I am a victim of identity theft, please see FTC Report. I have attempted to contact Discover ; however, I have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I paid my car note Saturday & confirmed with American Credit Acceptance on Monday my account was in good standing & given a confirmation # of the payment. The representative also sent a request for extension for XX/XX/2019 payment. 6 hours later they stole my vehicle claiming their representative didnt send the extension form. They will have not released my vehicle & are requiring me to pay the tow company additional fees for their error. My vehicle was illegally towed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
In XXXX XXXX XXXXXXXX XXXX Company sent me my escrow statement where the taxes were XXXX to much. Therefore raising my mortgage payment from {$2400.00} to {$3600.00}. I called them emailed them proof of the tax record showing there mistake. They said it would be fixed by mid XXXX. It is still not fixed now in mid XXXX. I sent them XXXX payment for {$2400.00}. They responded to me with a letter saying it was a short payment and they will not accept another short payment again. When I call them one department says its fixed while other department says I still owe them {$3600.00} a month. So I went to the Housing council of to see if they could help. While there we called again. Now they say my mortgage is XXXX a month which is still {$600.00} to much. Now were going to be behind XX/XX/XXXX 4 mortgage payments because they won't accept short payments and they still have not adjusted our mortgage to the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have been trying to get an issue with my escrow account resolved for almost 3 weeks with DiTech. I have had THREE different escrow analyses performed all in a span of 14 months : XX/XX/XXXX : paid {$49.00} shortage XX/XX/XXXX : paid {$4100.00} shortage XX/XX/XXXX : asking for another {$5900.00} by XX/XX/XXXX I know that my tax liability did not increase by 46 % between XX/XX/XXXX and XX/XX/XXXX.

I do not know why they are not taking the {$4100.00} payment that I made on the escrow analysis performed on XX/XX/XXXX into account for the analysis performed on XX/XX/XXXX.

If you account for the amount I just paid on the analysis dated XX/XX/XXXX ( {$4100.00} - check cleared my bank on XX/XX/XXXX ) and add the new proposed amount by DiTech on the analysis performed on XX/XX/XXXX ( {$5900.00} ) there is a total of {$10000.00} of a " escrow shortage ''.

There is no way that I should have to pay out {$10000.00} to an escrow account in a 3 month span, so I figured I would call DiTech to get some information.

I called DiTech on XX/XX/XXXX at XXXX CST and had to wait on hold for 50 minutes only to be told by the agent that he isn't sure what is going on but is sending my account to a " researcher '' where I am to call back myself in 10 business days ( XX/XX/XXXX ) to get an answer.

I called DiTech a second time on XX/XX/XXXX at XXXX CST as requested only to sit on hold for another 51 minutes. The agent " XXXX '' finally informed me that she has no information in regards to this matter and that it is still being " researched ''. She took down my email and told me that she will reach out to me by the end of the week with an update, but I have yet to hear from anybody.

I can not get any information from my mortgage company in regards to my mortgage and why my escrow account is calculating incorrectly. DiTech has recently filed for bankruptcy and their customer service is severely lacking in the ability to provide basic information on a mortgage that has been in their care for well over a year.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SIMMONS FIRST NATIONAL CORPORATION
State: GA

Complaint narrative:
Simmons Bank calls an unreasonable number of times a day. Yesterday, for example, they called my home number once and my cell twice ( about fifteen minutes apart ), for a total of three calls in one day. They do this every month. I have asked them to change my address twice, but they still do not send me billing statements. The balance of the debt is around {$300.00}. I did not tell them to not contact me at all. I'm tired of trying to cook dinner and take care of XXXX kids while they ring my phone. This is beyond ridiculous.

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