vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Sears Credit Cards is charging 21.99 % APR and this is excessive in light of todays interest rates. I pay between 14 % to 16 % on all my other credit cards and I think this is userous and predatory and unethical for them to be charging this much in interest. I pay {$53.00} per month in interest on a balance of only {$3300.00} so when I may a payment of {$100.00} which is greater than the minimum I still am paying over 50 % of the payment in interest, This is just unfair.

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 2016-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Payment history is being reported inaccurately by Equifax. This both lowers my credit score AND alters the DOFD, thus ensuring the negative account will remain longer than it should. 

I disputed this account information with Equifax ( XXXX ) and the dispute was completed on XXXX XXXX, XXXX. 

Subsequent to the completion of the dispute, I contacted XXXX XXXX directly, as they had previously sent an update to Equifax as a resolution to a CFPB complaint aginst them directly. I have the payment history in writing ( dated XXXX XXXX, XXXX ) from the original creditor ( XXXX XXXX ) and what Equifax is reporting does NOT match what the creditor assures me is being reported. 

The most egregious errors are Equifax reporting ( XXXX ) 90-day late payment in XXXX XXXX and ( XXXX ) 60 day late payments in XXXX XXXX and XXXX XXXX. These are NOT reflected on the payment history provided directly to me by XXXX XXXX and provided to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I signed up for a new promotional offer from XXXX XXXX XXXX XXXX XXXX ' credit card offered by CITI Bank in the month of XXXX 2015. The promotional offer was for purchasing a new phone from XXXX XXXX XXXX ( Using the link provided ) and then get a refund up to {$650.00} as a statement credit. Below are the details of the offer ( Also available at this link : XXXX Offer details ( Copied form the link above ) : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Spend {$2000.00} in purchases with your XXXX Card within 3 months of account opening. 
Use your card, now or later, to buy a new phone from XXXX XXXX XXXX, at full price and with no annual contract. 
Make your phone purchase using your unique phone offer link ( which will be provided to you ), activate and maintain service with XXXX XXXX XXXX for 15 days. If you buy a new phone now it will count toward the {$2000.00} in qualifying purchases! 
Citi will then credit your XXXX XXXX XXXX XXXX XXXX XXXX account for the cost of the phone up to {$650.00} ( exclusive of taxes, shipping, fees & wireless service ). 
Phone Offer Credit is not available if you have had an XXXX XXXX XXXX XXXX XXXX XXXX account that was opened or closed in the past 18 months. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Now, I made more than {$2000.00} in the first three months and also purchased a new phone using the offer link from XXXX XXXX XXXX. I fulfilled all the required criteria to be eligible to receive the {$650.00} statement credit. But unfortunately I did not receive the {$650.00} statement credit. 

I tried to resolve this issue by calling their customer service many times, but the issue remain unresolved. Initially the customer support executive told me that the credit will be applied to my next statement but the credit was never applied. 

I have all the necessary proofs and I will provide them if required. 
Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I would like to say I have citi card for many years and recently prior to my out of country for being in military. I requested them to dispute my charges on the card that was being in CA. 1. i do not reside there however I mention the charge also with the fact I do not have phone access they insist on telling me to call in when they already prior ask me what charges were they. There was no cancel on my card or offer to close out my card, I do not have the time to call so I have my wife schedule the payment to pay off the card. I am back in state but they do not seems to understand my needs. On top of that I mention being in service member have been troubling my communication and one time I was charge of fee because there 's an annual fee, of course I was not brought to attention until it was recorded into collection, they claim they have made contact with me before it went in collection. I would say there was no email nor any call made until my day marked on XXXX of the month. Their service are horrible I am assuming due to big banking they do not go into understanding of military member service and how it is hard for a contact to be made.

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 2016-09-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XXXX/XXXX/2016 I contacted XXXX XXXX XXXX to pay a debt a settled amount of debt owed. All there communications to me was either a California address or XXXX Colorado. I was hesitate to give my banking account number and routing number so I told the gentleman I would pay it with credit card. Once payment was approved a foreign transaction fee of {$150.00} was attached. I feel that the company should have told me the charge was coming out of XXXX XXXX but that information was not revealed to me at the time. I am aware that the credit card company charges this fee but had XXXX XXXX informed me correctly I would have used other options to pay them.

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 2017-02-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
CitiCard has had issues with their online payment system for months. 
I tried everyday for 10 days to pay my bill, but their payment system was not working. 
I even called their customer service line to make payment, and was left holding and never made it thru to a rep. 
Finally ( after due date ) I was able to make payment via a customer service chat line. 
They are refusing to credit the late fee even though I attempted to pay them several times and their payment system did not allow them to accept my payment. 
It is their fault, not mine

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 2016-07-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was the primary person on a loan with CitiMortgage. I moved away from the property in 2008, gave the property to the co-borrower. Co-borrow submitted loan modification paperwork back to CitiMortgage WITHOUT my signature and CitiMortgage locked me into a new 40 year loan and will not take my name off this loan. They claim it 's legal. My name is off the Quick Claim deed of the property.

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 2015-08-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XXXX XXXX, 2015 I have made an online payment to my discover card which covered my full balance. Once the payment confirmation appeared, it stated that all my future direct payments will be cancelled. On XXXX XXXX, 2015 an additional payment, in the amount of my usual direct payment, was withdrawn from my bank account causing an overdraft charge. On XXXX XXXX, 2015 I have contacted the discover card in order to resolve the issue. The representative I spoke with told me that the amount of the direct payment will be transferred back to my bank account, however the amount of my overdraft charge will not be returned and that I have to ask my bank for the refund of that charge. I explained to the representative that the bank did n't make any mistakes and will not return the fee since the charge was made and was covered by the bank. To which the representative replied that unfortunately discover does n't refund bank fees. I once again explained that the overdraft was due to the mistake made by discover card and discover card should be the party responsible for the charge. Unfortunately I was once again told that the money I had to pay my bank will not be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I attempted to withdraw {$60.00} from a CITI Bank ATM on XXXX/XXXX/15. No money or receipt came out of the machine, but nevertheless my Credit Union account was debited {$60.00}. 

I am trying to resolve my {$60.00} problem with my Credit Union but my concern is that no ATM should be set up to charge an account when no money is dispensed. The functioning of these machines should be examined. I attempted to find someone in CITIBANK to address this but they shunned responsibility, and blamed it on the XXXX store where the machine is located-which is of course ridiculous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My account just hit the 30 day past due and I kept getting calls from this company asking to pay the balance immediately or they were going to garnish my wages. It 's not the first time this company does this. In previous occasions my account was n't even 10 days late and I was getting calls at work, they also called my sister and told her that if I did n't pay they were going to garnish my wages. They always threat to garnish wages even if the account is not 30 days late so that I can make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
My son XXXX moved to XXXX, XXXX and had the post office forward his mail to XXXX. 
Without my knowledge, the post office asked Home Depot to change my billing address from XXXX, XXXX to XXXX. 
Home Depot changed my billing address to XXXX without my knowledge and without notifying me of the address change. This caused me to be late on a {$30.00} payment ( the total statement balance ). When Home Depot called me by telephone to notify me I was late, I immediately paid them over the phone by debit card. 
My name is XXXX ; it is not XXXX. I am sure the name similarity contributed to the oversight. 
I called Home Depot card issued by Citibank and the bank reversed all late fees and interest charges. However, neither Home Depot ( Citibank ) or the credit bureau has removed the mark against my credit score which dropped about 100 points to 755. 
I have explained this three times to both Home Depot and the Credit Bureau. 
Home Depot told me to work it out with the credit bureau. However, when the credit bureau calls Home Depot, Home Depot ( Citibank ) tells the credit bureau that it was n't the banks fault because the post office told Home Depot to change my billing address. 
The one credit bureau I talked to ( XXXX ) did remove the erroneous previous address ( XXXX, XXXX ) from my credit report. 
I 've had a near perfect credit rating and I believe this is an unfair billing practice and I want my credit rating to be restored.

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 2016-03-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
On XXXX XXXX, 2015, my coworkers and I were rear ended by another party. I immediately saw a chiropractor XXXX XXXX in XXXX. XXXX XXXX was aware this was an accident and other insurance company was paying for my injuries. During the negotiations, his office was trying to refer to me to an attorney they knew, I declined. XXXX XXXX never told me he was going to send me to collection. The other insurance company paid XXXX XXXX directly. I have had to send his collection company a XXXX paid invoice because XXXX XXXX office would not communicate with them. Now, I get a call from his collection company and spoke with XXXX XXXX there that I owe interest and they would remove the collection from my credit. How can this be if I got a XXXX paid invoice??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX - Claiming to be collection on behalf of Citibank. Citibank has not communicated with me - turned over to collections and I am now dealing with XXXX XXXX XXXX. Refuses to send me information about their company. Has asked where I work, my other bills, and has asked me for my Social Security number. Threatened to sue me, repossess my car if I ca n't come up with a settlement payment. Not willing to work with me, and keeps asking for my bank account information along with my social security number. I am now afraid this is fraud, and my identity will be stolen. I am not sure what to do at this point. I am scared.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Total Finance AC LLC
State: IL

Complaint narrative:
I have a Car loan for a XXXX Cadillac escalde. I have Fell behind in payments and was concerned I hired a power of attorney to help me out His name is XXXX XXXX He has been doing his job He sent a cease and desist letter to the creditor and they call me non stop and are harassing me daily They even call third parties for me such as my son in aw and my son in law mother It is ruining my family slowly and is embarrassing What else can I do? Also they have now started to take my wages from my paycheck I had no notice of this No paperwork, nothing in fact of this How is that right or fair to me? Why do they harass me? Why are they taking my wages with no notice to me? The creditor, loan company is total finance, they are located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX, XXXX their phone number is XXXX I have all phone records as proof I also have all the voicemails I have my paycheck for proof of the garnishment I also did my research on this company and found they are notorious for breaking laws Such as not reporting correctly to the credit bureaus also giving people vehicles with bogus social security numbers and very high interest rates that change from the dealership to the paperwork I really need your help to stop them from breaking the laws please I do not know what else to do XXXX XXXX the power of attorney sent the cease and desist with conformation received from them on XXXX XXXX 2015, and XXXX XXXX 2015 They tell XXXX their attorney will call him and they have never called him not one time they call me daily they leave robot voicemails and live voicemails on my cell phone which I also believe that robot message on a cell is illegal Its a fact they are a bogus company that break laws its public information and also have attorney general reports on them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have a mortgage with Ocwen. I have made my payments consistently on time. On XX/XX/XXXX I made a payment to Ocwen in the amount of {$2500.00} for the month of XX/XX/XXXX. The XXXX, Ocwen reported me to credit bureaus for being 30 days late for XXXX, even though they received {$2500.00} on the XXXX. Rather than applying my payment to my principle and interest, they HELD the funds and did not apply the funds because escrow amount was increased and I was short a few dollars. So they HELD {$2500.00} of my funds and reported me as 30 days late in making my payment when in fact that was False. I have a healthy balance in escrow and I was not short there either. My credit rating has sunk because of their practice to hold my funds and not apply them to my mortgage. They have been unwilling to help me clearing up my credit report because of them HOLDING my funds, even though I have been and remain current in my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Our office has been attempting to have a short sale reviewed on this property. Every time I have called in to the main Loss Mitigation number at Ocwen, I am advised that there is a specific person handling the file, and the main department is not able to help me out. I have attempted numerous times to reach my " single point of contact '' but have not gotten a call or email back. This short sale was submitted in XXXX and there has been no movement at all despite contacting presidential escalations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
Ocwen mortgage tried to complete a modification with me for over 1 year. I was told not to make payments, or to make lowered payments for that timeframe. I completed paperwork over and over again, only to have the dates pushed back or them state paperwork was not complete, or still in review. Then, once the modification was completed, my mortgage was sold to XXXX and I started the loan with them " 2 months behind '' which I was not. I can not get either company to resolve the 2 months behind issue and my credit score has dropped to the lowest level. I can not check my account online with XXXX because they wo n't give me the security code to access my own account. I have fought this for 7 months with no resolutions. I paid a XXXX payment last month and still show 2 months behind. Escgrow account has gone negative and with no notice, they took money from my insurance company for my auto insurance. I can receive no help on the phone from either company and need resolution of the initial modification with Ocwen and the subsequent issues with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I request that Ocwen loan servicing provide the following information only and not any additional information that does not pertain to this complaint as they have done in the past. Due to the fraud and illegal acts that have occurred with this note and deed of trust, I am requesting from Ocwen Loan Servicing ( our servicer ) provide the following. 
First, Which document does your company have in its possession, is it the original note, original Deed of Trust or both that pertains to our property? NOTE : I understand that the original note must be maintained by the servicer and the original Deed of Trust must be maintained by the trustee which is XXXX. 
Second, we request a meeting with a representative from Ocwen Loan Servicing here in XXXX Nevada along with the Original note and the Original Deed of Trust. If Ocwen is not able to meet us here in XXXX Nevada, please provide a date, time and a location during the XX/XX/2017 where we can review these documents! Please notify us in writing when and where to attend. 
NOTE ; I will have an independent investigator present to review these documents. We will be looking to see if these documents are the originals or copies of the originals. The ink on the original documents will be different from a copy. If the original documents have been lost or stolen, Ocwen loan servicing, XXXX and XXXX XXXX will have no legal standings to there claims without these original documents. All this can and will be resolved if Ocwen allows us to review these documents immediately. Ocwen can dispute legal claims all you want and XXXX me off even more. This will result in more complaints filed against Ocwen loan servicing. Servicing companies, banks, trustees and investors are required to maintain the original documents such as the original note and the original deed of trust to prove legal ownership. If Ocwen loan servicing fails to comply to my requests, we will request the original note and the original deed of trust in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: First Associates Loan Servicing LLC
State: TX

Complaint narrative:
I recieved a loan for XXXX education to do personal trainng which I finished and passed the test. Everywhere I have gone no gym has heard of them and will not even accept me as an intern. They say they are not accredited. I feel like I was ripped off and am very dissapointed in the way they got me to agree to the loan.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I tried I wanted to modify my home and Ocwen had me wait for almost 24 months and it was never granted.

Company response to consumer: Closed with explanation