vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
My mortgage payment is deducted on the XXXX of each month from my checking account in XXXX i changed banks ; I immediately went online to my account Ocwen site and updated my i new bank information. I went back into the account to make sure new info on bank was still listed. I then monitored my bank account was withdrawn after 2 days from the XXXX the money was still in my account so i got back online with Ocwen and saw that the old bank info had replaced my new bsnk info. I immediately changed the info to new bank and called Ocwen and made arrangements to pay the mortgage on the XXXX. Which i did. The next thing im getting a pre foreclosure notice because of the ach return notice they XXXX when they submitted from the wrong bank abd the o ly way they will accept my payments is through XXXX XXXX. And though i paid the late fee they are still charging late fees- thouhg my payments are on time. I have also asked them if i can change my payment date to be more inline with my payday and the refuse to work with me at all. Also the only way they will except my payments because of the XXXX mixup is through XXXX XXXX. My payment has also gone about 2 years ago from XXXX to XXXX. I hope you can help me with these issues

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: MO

Complaint narrative:
Hunter Warfield added collection to my report. I contacted them last year in regards to this item since I had no knowledge of the debt. They failed to respond with validation, but removed the item from my report. On XX/XX/2017, I received a bill. I responded with a cease & desist letter and stated I had no contract with Hunter Warfield, and that any damage to my credit would result in complaints to the CFPB and Attorney General, as well as a possible lawsuit. The item was added back to my report WITHOUT notification as is required once an item has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Over the past few months, Chase Bank has been in the practice of charging me insufficient funds fee over charges to my debit card and selected ACH transactions. At most times, the fees charged are over the amount disbursed by Chase Bank. I requested for a way out of the incessant charges and I was advised to choose the option that the bank would not honor any charge to my account if there are no sufficient funds to cover the transaction. This option was chosen between XXXX and XXXX 2015. ( Ca n't remember the specifics ) On the XXXX XXXX 2015, I saw XXXX charges of {$34.00} each for XXXX transactions of {$10.00} and {$6.00} each. I called the bank to have them reverse the charges on the basis that:1. I have chosen the option they offered to me not have any charge honored if there is no sufficient funds to cover it. 
2. As at the time I made those transactions, my account was in credit. 
I contacted the bank and they declined to reverse the charges, instead they went ahead to add another {$15.00} charge as extended overdraft fee. 
.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was on a Citi Card as an authorized user ( cardholder not financially responsible in any way ) and the account went bad and they are reporting the bad account on my credit illegally. I am not a guarantor. See attached credit report page.

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 2015-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I filed for bankruptcy in 2014 I started off at a chapter XXXX, ended up doing a XXXX ( attorney suggested ) while in chapter XXXX now I had n't paid mortgagebecause it started as XXXX so was behind. While in XXXX I asked for modification from lender in XXXX 2014, as soon as decided to do a XXXX. In XXXX of 2014 my chapter XXXX was dismissed. But in modification process. Received foreclosure papers in XXXX while in modification. Received sheriff sale notice not long after. Still have not received decision on modification. They r still asking for documents to be sent by XXXX XXXX when my sheriff sale is XXXX XXXX. Very confused and stressed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I had a Citi Thank You Premier credit card which was closed in XXXX XXXX. When it was closed, I still had XXXX ThankYou points that were accumulated but not used. When Citi closed the credit card account, I was told that the ThankYou point account and all the accumulated points would remain active and valid, since I still have a checking and a savings accounts ( both with Citi ) that are linked to this ThankYou account. However, I just noticed that the point balance is now XXXX on XXXX/XXXX/XXXX. I called Citi customer service today and was told that those points have expired because the credit card account was closed more than 60 days ago. Citi failed to inform me of this 60-day window when the credit card account was closed, and now they state that the points are forever gone and can not be brought back. Again, Citi did not provide me with any information on the upcoming point expiration date or ways whatsoever when the credit card account was closed, which is absolutely unacceptable.

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 2016-12-23 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I received a letter From Macys explaining my account was delinquent by three months. 
This is the first notice I had regarding the issue, no bill were sent to my email, and I was tild they tried to contact me by phone, they were using an old number that no longer was in sevice. I was charged several late fees, XXXX which was removed. I paid the balance due immediately to avoid any credit damage. I was told the account was paid in full at that time, they offered to connect me with another part of Macys to see about further reducing the late fee. When I talked to the next person I was told they would not reduce the fees and the account was paid in full ( XXXX ). I then received a bill beginning of XXXX stating I owed {$1.00} to the account, still not sure why but I paid it. My balance is still showing I owe {$2.00}. 
I recently had my credit run as was denied a loan based on the the information Macys is reporting. Three months delinquient on payment, all this over owing approximatetly {$160.00} and me paying as soon I was aware of the situation. I have a long credit history with Macys and my accounts have always been in good standing. This report has ruined my credit score and long standing good credit.. I would like a resolution, and have since closed the account with them. I will no longer shop or support their stores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
The Citi Double Cash rewards card offers options to redeem rewards points as direct deposit to Bank account or as Check to be mailed or also as statement credit on the credit card statement. While redeeming the rewards points as statement credit though, the Citi online site does NOT disclose that as this will reduce the account balance, any payments made will not accrue additional rewards points. I went ahead and requested {$120.00} in rewards redemptions as a statement credit ; had I known of this deceptive and sneaky practice on Citi 's part, I would have instead requested a Check mailed or direct deposit into my checking account. I called Citi as soon as I read this on a blog within a coupl eof hours of having requested the redemption, and the Citi rep refused to cancel my rewards redemption and change it to Direct deposit into checking or to send a check. 
I also warned them that I would be forced to got to the CFPB and they told me to please go ahead and do what I wanted. I would like this to be published online on CFPB per your new options so that the world can see what deceptive practices Citi is engaging in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I took a personal loan through my local bank last month ( XXXX ) to pay off XXXX credit cards, XXXX being a bal of {$1000.00} on AT $ T Universal card ( Citi Bank ). My bank sent certified check to them, and I received a letter from Citi dated XXXX XXXX stating " The last payment received was {$1000.00} and was applied on XXXX XXXX '', but Citi has not credited my acct with that check, and is still showing the bal due and a payment due. I called 3 times last week, they said they would have to start investigation, and needed info from my bank on if/when that check was cashed/cleared. I called my bank, & that check was cleared prior to the letter Citi sent me, I returned calll to City with the info, & my bank will send or fax the info to them. I called Citi today, again, and was told the same thing ... they will have to start an inverstigation, they have no info on that payment, etc. Now, within a few days, I will have to make another payment to overpay the acct, or I will be in default which will affect my credit. I can not understand how they can tell me they have no info on this payment, made by my bank, of {$1000.00}, when I have a letter in my hand from Citi dated XXXX XXXX, stating that they received it and it was applied on XXXX XXXX! I do n't know how to get Citi bank to apply that payment to that XXXX XXXX XXXX credit card before I go into default, or at all!

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 2016-12-29 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
I have been paying Financial Asset Management Systems ( FAMS ) for two years on a student loan debt that is owned by XXXX. FAMS has been miscalculating my payments and not applying my payments correctly to the alleged balance which is a flagrant violation of the Fair Debt Collections Practices Act. FAMS has been adding interest to the balance which is also a violation of the Fair Debt Collections Practices Act. 

I would be willing to settle the student loan debt for {$5000.00}. XXXX had offered a settlement agreement of about {$10000.00} more than 6 months ago. I have been making monthly payments throughout this time to FAMS, including after XXXX offered that settlement agreement. I would be willing to settle the debt for {$5000.00} as I have already paid XXXX thousands of dollars over the past two years. 
During the past 4 years I have filed multiple written complaints and have copies of, against XXXX and their debt collectors for flagrant violations of the Fair Debt Collections Practices Act. 

I would be willing to settle the debt for {$5000.00}. I have been making payments to FAMS for two years each month even while experiencing tremendous financial difficulties. I would need the settlement confirmation in writing from XXXX. In addition, before FAMS I also paid another debt collector that XXXX had hired to collect on the debt, thousands of dollars. The only reason XXXX switched from the old debt collector, XXXX XXXX XXXX, to FAMS was because the old debt collector flagrantly violated the Fair Debt Collections Practices Act, which is something that FAMS has also done. I would be willing to settle this debt for {$5000.00}.

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 2016-02-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Terrible customer service, especially by XXXX XXXX and XXXX XXXX. 

Applied for pre-approval on a mortgage for a new house and cash-out refinancing on our existing house in order to fund the new property 's down payment. Citi 's feedback ( entirely reasonable ) was that we needed to show more assets sufficient to cover payments during the " double carry '' period when both loans would be in effect. Thus ensued over two months of discussions about how to meet the reserve requirement. Citi 's representatives were extremely slow to respond throughout the process. Once we finally came up with a structure that solved the reserve requirement problem -- again, after over two months of discussions -- Citi 's mortgage broker announced that our income was insufficient to qualify for both mortgages at once. ( Not insufficient for either loan, mind you. Just insufficient to qualify for the few months when both loans would be payable. ) She further had the gall to state that she had told me about their income guidelines from the start ; not one email in the first ten weeks says any such thing. 

Citi is entitled, of course, to create whatever underwriting guidelines they choose -- sensible or no. But it is a bit much to be led along for months on end like this. Citi had enough information about our income and borrowing request that they could have denied us within days or hours of receiving our application. Instead, they wasted our time haggling over a reserve requirement that ( according to what they now say ) could never have made a bit of difference from the start.

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 2015-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On Friday XXXX XXXX, XX/XX/2015 I made a deposit of XXXX paychecks at my Citibank branch ATM. On Saturday XXXX XXXX there were a couple of debits to the account, and I withdrew money from the ATM. On Sunday XXXX XXXX my husband attempted to access my online account and was met with a blank account page. He assumed the website was undergoing maintenance and moved on. On Monday XXXX XXXX I attempted to make a withdrawal at my branch ATM and was rejected. I assumed there was a problem with the ATM, and as the branch was still closed went to another ATM location. When both that attempt and a purchase failed I returned to my bank, which was now open. The teller told me that neither him nor anybody else at the bank had any access to my account, and gave me a toll free number to call. I spoke to XXXX different 'supervisors ' when I called. Neither could give me any information regarding my account, accept for alluding to my Friday deposit being involved. I was told the fraud department was handling my case, and that they did n't take phone calls. I was advised to call back in XXXX hours. I called back on Thursday XXXX XXXX, XXXX hours later. I was told they could n't give me any information, and to go into my branch to see my banker. I was on my way to work, so could n't go in until the next day, Friday XXXX XXXX. My banker cleared everything up, opening my account back up, and explained why fraud had been suspected. What he could n't explain is what this complaint is about. Why, over the course of 6 days, did n't anybody from Citibank reach out to me? If I had n't needed to get cash out of the bank on Monday I would n't have known that anything was wrong. If someone had been attempting to commit fraud, I would n't have been given the opportunity to protect myself and check other accounts. I could have accrued fines and had my credit negatively affected from automatic debits not going through. Worse still, If I was alone, with no support network, and no access to my money, I may not have been able get to work, feed my child, etc. I also find it frustrating that all the people I talked to during my XXXX calls were " supervisors '', and that they would n't direct my call to someone who really was in charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Macy 's credit card charged me a late fee for no reason at all. I used Macy 's credit card to purchase some merchandise. I paid the balance in the previous cycle. During this current cycle, I returned merchandise and received refunded. Macy 's insisted that I have to pay the full amount of previous balance in light of XXXX of dollars of refunds. 

it charged me {$27.00} late fee for XXXX balance.

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 2016-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi performed what I can only describe as a bait-and-switch. I signed up for a CitiGold checking account at the end of XXXX XXXX using a promotion ( code : XXXX ) that offered XXXX AAdvantage Miles within 90 days of completing the following requirements : perform a bill payment in 2 consecutive months and make {$1000.00} in debit card purchases. I finished meeting those requirements on XXXX XXXX, XXXX and verified with a Citi representative over the phone that I met all of the requirements and would be receiving my miles. Not only did I not receive the miles by XXXX XXXX, XXXX ( 90 days after meeting the requirements ), but now Citi has told me that I was never eligible for the promotion and is ignoring the fact that one of their representatives told me I was eligible and had met the requirements. 

To elaborate, I waited until XXXX XXXX, 2 weeks after the latest date I was supposed to receive the miles, to send a secure message about the issue. At which point an investigation was opened and I was promised a response within 3-5 business days. I contacted Citi through their online chat after 5 days had passed without a response and a second request was placed, this time I was promised a response within 2 business days. After another 5 business days with no response, I contacted Citi over chat again and was this time basically told that I 'd hear back from the investigation when I hear back from the investigation. When I expressed my dissatisfaction I was given a phone number and told it was for the promotional department. The next day I called that number only to discover that it was Citi 's normal customer service number. After going through the prompts I was able to talk to a general customer service representative about the issue and was told she would personally contact the person assigned to my investigation and call me the next day. She did in fact call me the next day, making it the first time Citi ever followed up on their word, and that is when I found out the investigation team in the promotional department denied my claim while citing that I was never targeted for the promotion. 

So, in short, Citi baited me into signing up for a CitiGold account with a promotion, charged me {$30.00} a month in fees for the pleasure of dealing with their abysmal service, and then made up an excuse to deny me the bonus I earned through the promotion. After some research it is clear that Citi regularly defrauds their customers with these account bonuses. This is completely unacceptable and will not be tolerated.

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 2015-07-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I recently established an account with XXXX ( XXXX ) in attempts to settle my debts so I do not have to file bankruptcy. I have made written/verbal and cease of communication notice to this company XXXX One Main Financial XXXX and they continue to harrass me not only at home, but on multiple cell numbers and at work twice after a cease of communication notice was sent to them XXXX/XXXX/15 and confirmed receipt of this by a threatening call from the owner of the local branch XXXX XXXX XXXX XXXX. One Main Financial has continued to call my workplace with threatening tatics, etc. I received another call at work XXXX/XXXX/15 at XXXX from XXXX with One Main Financial and again requested verbally that she not contact my work number. I have given their company contact info ( Phone/address, etc ) for XXXX which is now attempting to settle my debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I bought a travel package deal with my husbands credit card and we were both going to travel to XXXX. The promotion price was {$1100.00} for 7 nights. the resort charged the total amount, then only returned our deposit of {$350.00}. Then our money was returned and Citibank allowed another transaction to be charged, they billed our credit card the balance of {$820.00} which I had already told Citibank not to do and they went ahead and let the charge be applied to our citi credit card and now refuse to help me get the money refunded. So we did receive a total refund, but then citi bank allowed another charge of XXXX to be added to my card. If I had not called to check on my reservation the day I was to catch the plane, I would not have known that it was cancelled.

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