vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Received pre approval on XX/XX/XXXX. Started full application on XX/XX/XXXX. I was charged {$470.00} for an appraisal on XX/XX/XXXX. As of this evening XX/XX/XXXX the appraisal has not been completed. Citizens bank is claiming that this is due to Dodd Frank and CFPB regulations. I believe this is very misleading and they are trying to blame government regulations on problems with their processes. At this point in the process because of the delays, I do not have the luxury of trying to find another financial institution. I find this unfair and deceptive with the tactics they are using. When I applied, This would have given them almost 80 days for the closing. As of tonight, with no appraisal completed, we now are at 33 days remaining. Again, they have already charged me, but blaming you for the delays. This loan needs to close by XX/XX/XXXX or I suffer severe financial consequences due to their negligence. This is by no means credit or income related. Both my wife and I have XXXX Fico scores, over 15 years each on the job, debt and income ratios all well within guidelines. In other words, we are the ones with perfect credit and income for a mortgage loan. We also are putting down about 35 % of the purchase price.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
The Home Depot failed to remove my name, as promised in letter, from credit report companies: XXXX after they found that the account use was fraud. I have letter from TheHomeDepotCredit Services where they confirmed that the charges on my account were incorrect. They did not take the steps to correct mistake regardless several calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A credit card was open under my name as a result of a identity theft with exxon mobile. Reported the account as fraudulent, but they are still reporting me as 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 2016-08-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
My Citi XXXX Credit card was closed by Citi in XXXX XXXX by Citi. Company has continued to charge me interest and fees on the outstanding balance without providing me online access to my statements nor mailing me monthly statements. I called on approx. XXXX XXXX, XXXX to request that copies of all of my statements be mailed to me and was assured that I would have it within approx 48 hours. I received a package of statements around XXXX XXXX, XXXX, and it was incomplete. This credit card continues to charge me interest and fees, which I only find out about through notices from financial/credit apps that I have. I feel all interest and fees on this card from the time Citi is closed the account should be removed and not added again. I do n't know how much money I lost because I ca n't see my records ( number in form below is a guess ). 
My CitiForward card is my other card from Citi. It is still open, however I have the same issue as I have with my XXXX card above - no online access and no paper statements mailed to me. I pay an auto-pay payment initiated from another bank for the minimum payment, so that 's why the account has n't been shut down yet but I want my FULL records.

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 2016-02-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: ASTA FUNDING INC.
State: OR

Complaint narrative:
Received copy of letter and motion falsely stated to have been submitted to a civil court with notice of hearing date and time. Contacted court and found that no motion had been submitted to them, but the original case referred in the supposed motion had been filed in a name similar, but different from mine XXXX XXXX, 2006, living at a address in a state I have never been to. Having checked out online Palisades Collections, LLC, the original debt collection company, I found numerous complaints similar to mine which were obviously fraudulent attempts to get people other than the original debtor to pay debts for the sole purpose of protecting their credit ratings and avoiding possible legal action. Please check XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I sent and been sending Debt Validation and QWR among others and have not received proof of validation. Only stories that can not be proven. 
Also I have sent a Notice of Rescission and they did not respond or file a lawsuit within the 20 days. The note and deed of trust are Void. As per the Unanimous Supreme Court decision in the XXXX XXXX 2015 decision. 
The latest notice of verification of alleged debt dated XXXX XXXX, 2015 and XXXX XXXX, 2015 were totally ignored by The XXXX ( the Trustee ). I did get a letter from SPS, Inc which in effect was a none response. Did not send the following 1. Copy of the original alleged note accompanies by an affidavit from alleged lender 2. Did not identify to what the debt pertains. 
3. Did not detail how the alleged debt was calculated 4. Provide copies of any papers that show that I/we agreed to pay alleged debt. 
5. Identify the original creditor. The Note and Deed of Trust is now Void due to rescission. 
6. Did not Provide the agreement between the creditor and both XXXX and SPS , Inc. which authorizes XXXX and SPS to collect funds.d 7. Did not provide evidence that they are licensed to collect debts in the State of California. 
8. Did not providtheir evidence of license numbers and then alleged lender 's registered agent. 
9. Did not provide evidence that the Statute of Limitations has not expired on this accounted. 
I am not in default. 
Please see attachment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Total Finance AC LLC
State: IL

Complaint narrative:
I have a current loan open with Total Finance out of XXXX. I am having some issues as far as harassing and extremely demeaning treatment from multiple representatives there. And every time I have tried to speak with someone in management I have been hung up on. My XXXX is not very good, and I am thinking that maybe that is why I am being spoken to that way. Today XX/XX/2015 I called to place my son on as POA, so that he could better understand them so we could clear up any further issue they may have, which I will explain their current issue in a moment. Instead of being helpful, my son was yelled at and ridiculed as if he was not smart enough to handle the matter. I am now beginning to have anxiety about the treatment and with no manager to ever get on the phone, I do n't know who to turn to. 

As for the issue they are having, of course I keep a current loan with them, and I do fall behind from time to time. I have been paying for over XXXX months, and yes I have been late several times, but my intention is to pay always on time. My issue is that they are calling my sister and mother with the same type of harassing demeaning approach. Please I need help on what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have filed for an income based payment program for my student loans through Nelnet every year since graduating in 2010. I have had issues with the associates giving incorrect information or offering no information or assistance. I 've had to file a deferment for 30 days every year because they claim my paperwork was n't sent in time forcing me to accrue interest on a loan I now will never be able to pay back. I have been unemployed for almost 2 years and can never get factual information or help for these loans. Im on the verge of defaulting because I do n't trust Nelnet or it 's associates. Even after filing a report with the Better Business Bureau, they have failed to reach out and assist me in answering questions I have about this loan I do n't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
Citi violated multiple UDAAP laws and regulations on its AA executive credit card, and its customer service refused to remedy their practices when I called and tried to get a reasonable resolution. 

First, the advertisement of a key benefit is deceptive. It advertised " Earn XXXX AAdvantage ( R ) Elite Qualifying Miles when you spend {$40000.00} in purchases each year ''. It turns out that customers do n't earn actual miles to the AA account, but just fake qualification miles toward an elite status. If I got mislead as a finance professional, a regular customer would be more likely so. 

Second, Citi makes it very difficult to cancel the card. After I put over XXXX grand on the card but got no XXXX bonus miles, I decided to cancel the card shortly after the {$450.00} annual fee was assessed. The retention specialist made it very hard to cancel the card by offering me different incentives to stay. I found it hard to say no and decided to keep the card open after his hard sell. What a mistake! 

Third, Citi is unfair in its annual fee practice. I eventually cancelled the card by sending an email because I did not want to deal with the retention tactics. But to my shock. Citi customer service told me that my cancellation did not qualify for annual fee waiver because it passed 37 days of cancellation period. So even though I were only 38 days in the XXXX year, my whole {$450.00} annual fee would not be waived or adjusted. This unfortunately has not been my experience with any other annual fee credit card products, which usually pro-rates the annual fee. Citi 's practice in this regard knowingly deviates from the industry practice and is completely unfair. When I called the XXXX time to cancel, it was within the eligible fee waiver period. But my formal cancellation fell out of it. I felt I was tricked into it without full disclosure or reminder from Citi Retention specialist. 

In sum, Citi is deceptive and misleading in its advertisement of this product, unfair in its fee policy and abusive in its retention practice and customer service. I am sure I am not the only customer having this terrible product and customer service experience. I hope CFPB can help me solve my annual fee issue with Citi, and stop this kind of unfair, deceptive and abusive practices hurting more consumers. 

If you need more information, please feel free to let me know. 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
For the past XXXX years since PennyMac became our servicer they have tried to impose a " cushion '' when they send their escrow analysis. After computing the amount I needed to have escrowed each month, the cushion is n't necessary. They claim that this practice is in accordance with state and federal law ; which I find dubious. When I called to dispute their analysis, and after being on hold for an extended period of time, they removed the cushion. I was told that the cushion is added automatically and that I would have to call them every year to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX, I purchased XXXX sweater from Bloomingdales for {$22.00} and used my Bloomingdales credit card for the purchase. The payment was due on XXXX XXXX. I made the payment today on XXXX XXXX ( 5 days late ), but I found out that Bloomingdales had assessed the interest fee of {$24.00} on the ENTIRE balance on the card, {$22.00} of which was late and {$310.00} which was NOT late and current in the new billing cycle. When I called them, they were unable to explain why the fee was assessed on the entire balance including the non-late purchase and were unwilling to re-calculate the interest. It is predatory to charge me an interest rate on a portion of the bill that is not late, especially when that interest fee is MORE than the amount late -- it is usury in it 's classic sense.

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 2017-03-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Receivables Management Corporation of America
State: AR

Complaint narrative:
hello, XXXX have a debt collection of {$5.00} & {$11.00} on my credit report.which was in my bankruptcy discharge.i need this took off my credit report.you may need to contact .XXXX at XXXX. about this matter.R.M.C. is the collection agent who is handing the case.there p. # XXXX orXXXX.ask for XXXX XXXX for XXXX.there p # 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 2016-07-29 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
citi card offer me an upgrade card from gold to platinum and as promotional I can get a XXXX XXXX to the XXXX and XXXX bonus miles to my advantage XXXX XXXX card .. The requared was that I need to speend XXXX usd in the netxt 3 months .. I did spend XXXX in one month and paid in full .. I have been calling for the last 3 days about my miles and no answer about it ..they keep giving me no answers and keep me over the phone fo rmore that 10 minutes .. I spoek wiht XXXX on firday XXXX/XXXX/2016 XXXX request to speak to a manger and her answer was .. sorry there is no manager at this time ... can you imagine the band costumer seervice .. the offer me something and they dont want to give me that .. I need to know where are my XXXX 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 2016-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Buffaloe & Associates, PLC
State: TN

Complaint narrative:
I received a subpoena from a collection agency threatening to sue me on a time barred debt from 2004.This company has tried several times to garnish my wages but have been unsuccessful due to I only work 1-2 days a week and now they are taking me to court and asking for record of employment, checking/saving accounts, deed to property, titles to vehicles and copies of tax returns for the past 3 years which I do n't understand the need for because I thought it is against the law to try and sue or threaten to sue someone on a time barred debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I received approval for a new Citi credit card in XXXX, and a new card was apparently sent out XXXX/XXXX/2016. I never received it. I called two weeks later, stating I had not received my new card. At that time, customer service informed me I needed to wait the full 10 business days to receive it. I waited until the last week in XXXX to call back. At that time, over 20 business days had passed. The customer service representative told me they would overnight me a new card for free. I just talked to customer service again, on XXXX/XXXX/2016, and was told a new card was never sent and the account was not noted. I was using the online chat feature XXXX times because I could n't get through on the phone. The representative was rude, unhelpful, and would not answer my questions. I had to repeat myself continuously, and some of my answers were never answered. I requested that the card be overnighted free of charge, and they told me I would be charged for it. I asked that the initial spending period be reset so I could use the card and capitalize on the initial spending bonus, but that question was just ignored. I have a payment due on the account, and I have never even gotten the card. Their customer service was apathetic, at XXXX point they were just copying and pasting responses to me in the chat. I have tried calling customer service numerous times, but am put on hold for extended periods of time and then get disconnected. I do n't even know if the new card was sent.

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 2015-09-28 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 am a loyal CitiGold customer of 15years. The service level at this branch is beyond low. I have been waiting for an hour to send out a wire. There are still XXXX people ahead of me. This will take another hour at the rate they are processing things here. They are slow and understaffed. The CitiGold customers do not get any expedited service. Whenever I am here, it takes a long time to get anything done. Today is not an exception, but XXXX hours of wait time are beyond my level of patience!! I am terribly disappointed and will be looking for alternative banking institutions to transfer my assets.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
BC Services sent collection letters addressed to my wife, XXXX XXXX. This is improper because XXXX is not listed on the debts in any way. BC Services was not attempting to obtain contact information for me, as they already have it. BC Services was providing information to her about these debts. She and I were married after the debts were incurred. Colorado is not a marital property state, which BC Services should be well aware since they are headquartered there. 

BC Services has shown a disregard for the laws and procedures in place to protect consumers. This is the second instance of blatant disregard for the law. The first instance may be identified by Case number : XXXX. After this complaint was filed, BC Services did seek to correct that failure. 

Please note violation of multiple account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am putting in for a HARP loan to CitiMortgage. The reason I need this is because I lost my job and will be unable to make my current mortgage payments. I was sent the paperwork for making homes affordable. I faxed over the application and the requested documents at least four times and my contact from CitiMortgage XXXX XXXX keeps on claiming they never received any of these faxes!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, 2015 Citicards announced it was providing FICO scores to its cardholders. I have attempted to access my FICO score via the home page of my citicards.com website but have consistently received timeout error messages each time I attempted to access this " benefit ''. Approximately 3 weeks ( XXXX 2015 ) ago I was contacted by a citicard representative after I responded I was dissatisfied with citicard services on an online customer service survey citicard sent me. The representative attempted to resolve my login problem but was unable to access my FICO score. The representative noted that citicards had an " open ticket '' on cardmember inability to access their FICO scores and promised to send me an update within " about two weeks ''. I never received an update. 

I contacted citicards again today ( XXXX XXXX, 2015 ) after continued inability to access my promised FICO score. After 30-40 minutes online with a representative who attempted to access my FICO score many times via many methods ( and with one or more managers ), the citicards representative ( s ) could not access my FICO score. The representative said she would submit another " ticket '' and that I would be notified if the problem would be resolved. She was unable to tell me how much time might elapse before I was updated on the status of this issue. 

Citicards has made a big deal about providing FICO scores to its cardholders. In my case it has continued not to be able to fulfill that benefit offer. I have expended several hours of time, and quite a bit of frustration, attempting to access this " benefit '' and am aghast that Citicards has been unable to resolve this issue. I have been a Citicards card holder for at least 15 years but I do not intend to do business with companies that offer benefits they do not provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation