vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VI

Complaint narrative:
Since XXXX, after I returned from working over 3 years in XXXX, I have been trying to resolve an issue of Asset Acceptance Corporation, LLC to stop reporting a fraudulent account on my personal credit report. I tried yet again in XXXX of XXXX to which a dispute was filed at the credit bureau 's and the company is still refusing to stop reporting this fraudulent account by simply stated that they verify that they account is mine when the originator of the account which is XXXX has clearly stated that this account that they are referring to does not exist and that I do not owe them any money relative to they account that they are claiming that I owe. 

I have tried contacting the company previously and presently tried to contact them again using their number listed on my credit report but the number does not work. XXXX stated that they have no such account for me on file and that I have no outstanding balances and they just issued me a new credit card just last month. How can I have XXXX credit cards open for the same company especially when I settled on XXXX before? You can only have XXXX personal credit card open with the same company respectfully. Asset Acceptance Corp, LLC is intentionally hurting my credit score and they need to stop it immediately or I will try to sue this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
I can not contact a private lender listed on my credit report. The report states that I have not paid my loan, however, I can not contact anyone to see if the amount is accurate and how to make payments. The company is listed as " Younomics. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
In close succession, XXXX ACH debits hit my HSBC checking account. The XXXX ( on XXXX/XXXX/15 ) exceeded the balance of my account and was thus not paid ( reasonably so ). There were sufficient funds for the XXXX transaction ( on XXXX/XXXX/15 ), however, HSBC also did not make payment on this XXXX transaction because they had temporarily removed the funds from my account from the XXXX ( XXXX ) debit resulting in a negative balance even though they did not make payment on that debit. This temporary reduction of my balance not only led to to a legitimate debit going unpaid but also allowed HSBC to charge additional fees in a predatory manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Wallet pick pocked in 2013, promptly notify bank and filed a police report. 
New credit card issued, but Credit card company ( HSBC ) fails to remove fraulent charges from 2013 from old credit card number ( account ). 
Tell me everything is okay and that I am not responsible, but the amount owed keep going up. 
Keep sending emails that I need to pay due to outstanding balance. 
No resolution after numerous phone calls since 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TekCollect Inc.
State: PA

Complaint narrative:
Recently this company has shown up on my credit report. Tek Collect has failed to contact me through any various means ( phone, email, mail ) regarding the amount or creditor I supposedly owe. I do not believe I owe a debt in the amount of {$130.00}. I have also not been able to find solid information on this company and have read some disheartening reviews on their processes

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I have contacted this company 4 times about account numberXXXX- I have been ignored!!! I need your help maybe they will respond to you. I have no idea what the account is for or who it belongs to it just appeared on my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: AMA Advisors, LLC.
State: WA

Complaint narrative:
I contracted with HomeBridge Financial Services in XXXX for 30 year mortgage. 
I was very happy with my loan with them ... in XXXX of XXXX, they sold my loan to XXXX Mortgage. I received a letter from XXXX that stated I need to get flood insurance. I have been fighting this for weeks trying to resolve the issue. my my loan included a flood certificate dated XXXX which was totally valid but XXXX would n't accept it. my loan should NOT have been sold if they would n't accept the document. now I have spent XXXX already to obtain a document from from FEMA ( pending ) and faced with having XXXX automatically add flood insurance to my monthly payment. which I cant afford right now. I am so unhappy that all of this has happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I bough consumer goods at Best Buy in XX/XX/XXXX upon the " promotional offer '' of 24 months no interest. I have made payments every month on-time since having the card through an automated payment system. I signed up for " paperless billing '' at some point owing to the benefit to the environment. I did n't realize that I was n't receiving notification of my payments or my bill in my inbox despite Best Buy claiming to have records of sending them. Today I called in to my account to reset my password and asked why my account balance had increased so dramatically. The agent on the phone explained that when the " promotional period '' expired in XX/XX/XXXX I was charged all the interest from the amount of the original purchase from the 24 months, which was a total amount of {$1100.00} and the rate of interest on my balance was lifted to 25.24 %. My current outstanding balance stood at {$580.00} so I could not believe that this was possible. I explained my situation for which they apologized agreeing that not everyone gets the " paperless bills '' and made me the offer to reduce the amount of the interest being charged by 50 % if I paid off the principle amount of {$580.00} in this day and this day alone. If in fact I did not pay today, the representative could make " no guarantee '' that the offer would be extended again. I countered him offer by agreeing to pay the outstanding amount of {$580.00} + the APR against the amount due since the period expired at the excessive rate of 25.24 % for a total of {$640.00}. He said he could not accept this offer. 
In summary I have made payments against this account on time every month and maintain that I received no notification of the penalty associated with not paying the balance of my account in full before the " promotional period '' expired. I am requesting that they drop the interest from the promotional period entirely, in exchange for payment in full of the principle balance. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
The debt collector called my mother telling her my license was suspended and etc. being as that my mothers awesome she paid the {$600.00}. However my license was in fact not suspended and the debt was already taken care of and they now say they can not refund any of the money. It has been 2.5 months and still not a penny

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC.
State: MD

Complaint narrative:
New mortgage with Homebridge Financial ServicesXXXX XXXX NY NY XXXX phone XXXX ( put on hold for XXXX min and never talked with anyone ) paid XXXX XXXX payment with personal check, paid XXXX XXXX payment through virtual wallet, XXXX XXXX, it went through Paid XXXX XXXX through XXXX ... they never got or lost check. Waited til end of month to see if it would clear ... it did n't, so rewrote virtual wallet check out XXXX XXXX XXXX mortgage and XXXX XXXX, for XXXX mortgage ... they never got it. I have called and called and can not speak to a real person. I cant get on even to pay by phone I go on line and in order to make payment it says I have to fill out a 'hardship ' form? 
This is going to ruin our credit and I ; m trying to pay the mortgage. I emailed customer service and the man said we could set up auto pay ... great, I 'll do it ... cant get hold of anyone. 
WHen I do call them on the phone they say they are debt collectors???? we thought it was a mortgage company? 

Very frustrated and just want to make our payments on time ... please advise. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX I am hoping you can help us asap. thanks

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 2015-04-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I owed money to XXXX XXXX XXXX and paid it in XXXX 2015. Now I am getting letters from AARGON Collection Agency, XXXX months after I paid, that I owe this debt collector. I have the cancelled check showing payment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-08-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: CA

Complaint narrative:
During XXXX of 2016, I borrowed money from a private institution called " Lending Club. '' I needed the funds to pay off high-interest credit cards and to help with relocation for work. However, I am paying over 30 % in interest on a loan amount of a little over {$16000.00}. 

The interest rate seems too high and disproportionate. I have been making payments on time but it is becoming financially difficult to keep making these high-interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Office Depot Credit Plan has closed my account after " review '' of my credit report from XXXX. Complaint made on them separately. Account was not late, had a XXXX balance and paid as agreed since I have had the account.

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 2015-11-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have a Citi MasterCard credit card. I have no issues paying the full amount due ( and I charge most purchases on this credit card during the month, rather than use a debit card, just for safety 's sake ) each month. However the last several months I have noticed a problem with a practice they are starting to use. My payment is due on the XXXX of the month, so I generally pay as close to that date/time as possible, to include as many of my charges as possible. Lately ( last five months ) towards the end of my cycle, many of the items I have charged are held in a pending status much longer ( 2-5 days ) than they are at the beginning of my cycle. Citi will not allow me to pay any pending amounts online, and does not include them on mailed statements -- so I have no way to pay them. When I make my payment ... a miracle happens, and all the pending amounts changed to due AFTER the end of my cycle, with no chance for me to make a second, catch-all payment ... so, they charge me interest. This seems deliberate, and simply aimed at being able to charge me interest ( as normally, they would have no unpaid amounts to charge it on ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had a Citibank checking and savings account. Apparently, there was some form of overdraft protection ( in the form of a line of credit ) on the checking account. I was in the process of buying a new home with XXXX XXXX as the lender. I was attempting to liquidate my checking and savings with Citi and move all of my money to XXXX. On my online account, the available funds in the Line of Credit appeared to by positive money owed to me. So, I moved the money that I thought was mine to my checking account and proceeded to close the accounts. I had trouble closing the accounts, as can be confirmed by multiple calls to the Citi customer service unit. Please note - there are NO branches in my state and it appears as though the branch I started the account in is closed as well. This is very unfair and confusing for a consumer. Eventually, the accounts were liquidated/closed. However, it appears as though what I thought was an available balance for me, was actually a line of credit. It was ~ {$150.00} ans was reported to the credit bureaus as delinquent. Now, my otherwise perfect credit history has been negatively impacted. Look, this was not a loan to me that I did n't repay. This was just a confusing feature on my account that I did n't even know existed. I was never notified - no one called me, no one mailed anything to me - regarding this ... it just showed up on my credit report one day. This is not an act of non-payment. This is solely customer confusion caused by the online account, absence of branches, and an inability of an offshore call center to assist a customer.

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 2017-03-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2016-04-09 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.

Complaint narrative:
Today, XXXX XXXX, I was contacted by Citibank in connection with my new credit account with Best Buy. Citibank representative notified me that the payment on my account was delinquent. I explained that I had performed a payment on XXXX/XXXX/16 before the required payment date of XXXX/XXXX/16. She explained me that this payment corresponded to the cycle of XX/XX/XXXX. I explained that this is a new account and that I had only received XXXX statement dated XXXX/XXXX/16 and performed one payment before the corresponding due date of XXXX/XXXX/16. Citibank did not credited on its XXXX/XXXX/16 statement the payment that I had made on that same date, even though as per Citibank representative the cycle was still open and the payment belong to this cycle. Therefore, I was expecting Citibank to credit the payment on the cycle corresponding to XX/XX/XXXX. However, as per explained today by Citibank representative, the payment was credited to XX/XX/XXXX cycle ( even though it was not included as such on the statement ) and the payment corresponding to XX/XX/XXXX is allegedly delinquent.

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 2016-08-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XX/XX/2015 I was offered a sign up bonus to open a Citigold checking account. Since I did not have my state issued ID at the time I was given instructions on how to do so online. After opening the account I reached out to confirm the offer was attached to my account. I was told that it was. Once I met the requirements for the bonus I reached out again to confirm I had done what was needed and was told that I had and that the bonus should post to my XXXX XXXX account no later than XX/XX/XXXX. Now I am told that I was not eligible for the offer but I have all the messages to prove that I was told I was. I was even told to go in branch to talk to a representative and when I did I was told that they did not have the power to give me the bonus but to reach out to customer service again because it should be honored. I did that and after their investigation where they can see all my previous communication where I was told I had the offer on my account and that I completed the requirements I am still being told that they still will not honor this 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 2016-09-14 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a BestBuy card which is managed by Citi. BestBuy routinely promotes that you consumers receive certain months without interest but that all interest is cumulative and payable if all amounts are n't paid before the expiration of the promotion. Citi/BestBuy, however, limits the number of payments that can be made on the card, which I believe is to trip people into failing to make payments on time and then being able to charge all backdated interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Home Depot sent my bill to the wrong mailing address. Once I realized it I called Home Depot corrected my address & as soon as I received the bill the bill I paid it in full, less a penalty. Despite agreeing to take the penalty off they continue to add a penalty every month.

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 2016-05-11 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I have repeatedly asked XXXX of Fidelity Creditor services to disclose how much I owe with a physical ledger for my records. She said it 's company policy to not do so until the debt is paid off. 

Yes there is a judgement issued against me, but to demand I pay {$150.00} a month, which I agreed to because she said she would garnish my wages if I did not. How can I pay something that I do n't have? They are unreasonable and I want a legal mediator to establish a comfortable payment for me. 

I work a temporary job and {$150.00} a month is too high. I fell out of the agreement with Fidelity when I was paying $ 50 monthly. XXXX also said that I must schedule autopay. Is that legal? I should n't have to give anyone the right to debit my card on a recurring basis judgement or not. I should be able to pay in the modality I choose to a reasonable amount. My student loans are income based. Should n't my repayment of debt be? 

I do not wish to be contacted at all by Fidelity via telephone, they are no longer allowed to. I was never allowed to challenge the debt whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I got a Best Buy credit card in XXXX 2016. Under the terms & Conditions the annual fee came up and I specifically asked the salesmen more than once if I was going to get charged this year & he said no. They charged me the fee causing me to pay more than I intended to. I told the sales rep that I had the cash to pay my purchase & if I was going to get charged I did n't want it. Again I read the terms and discussed the annual fee start date with the rep and he assured me it would n't get assessed til next year. This is very wrong. So much for 12 month zero financing. This happened in 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 2015-06-23 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received an offer from Home Depot for a credit card. I went online and the system froze up and would not let me complete the application. I called the number and was told I would have to submit a new application with another hard credit report inquirery. I told them I did not want that as they had already pulled my credit and it would hurt my score. They refused to continue to process my application or remove the inquirery.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief