vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ZENCO COLLECTION, LLC
State: OR

Complaint narrative:
I received a call from a " XXXX XXXX '' who left a voice mail on my girl friends phone. She stated that charges are going to be filed against me and my social security number. She left no company name, no explanation as for the call except that charges would be filed against me. I want to see them ( Zenco ) in court in XXXX XXXX Oregon where I live, at least in court I can have discovery. I am afraid that some company like this will take legal action, for what I have no idea, and obtain judgment or press criminal charges without notifying me as required by law. I returned the call and left a message asking for verification of alleged debt or charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kross, Lieberman & Stone, Inc.
State: NC

Complaint narrative:
I was never aware of this debt and demand proof

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I am in the process of applying for a loan from HSBC. The loan consultant was not familiar with FICO scores and the various scores or methodologies of FICO. She stated that you need a XXXX FICO to qualify for the best rate but she could n't tell me whether they were using a FICOXXXX, FICOXXXX or FICO Mortgage XXXX score. I had to ask multiple times and had to send her a link from a google search as she continued to say that they just take the middle of the XXXX FICO scores. Her sales manager provided this response. 

HSBC utilizes a mortgage origination system to order credit from all XXXX credit bureaus via a vendor. 
Our loan officers have no control in credit scoring and we are not educated about " different methodologies or versions ''. 

I apologize for not able to answer your credit scoring question. 
Please feel free to contact Office of the President at XXXX extension XXXX should you wish to escalate your inquiry. 


Unfortunately this was after HSBC had already run my credit. They gave me my XXXX scores but could n't tell me which scores they were. I am surprised that mortgage consultants at HSBC do not know this information and have not been trained to better answer these questions before pulling someone 's credit. It does n't mean anything to say that a customer can receive the best rates if they have a FICO of XXXX yet they ca n't tell you what FICO version that is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I ordered XXXX dresses from Macy 's and charged the purchase on my Citibank credit card. I returned all XXXX of them in XXXX package. Macy 's says that the package contained only XXXX dresses and would not give me credit for the XXXX. I have spent hours and hours on the phone with Macy 's and Citibank but to no avail. My attorney sent a certified letter to Macy 's XXXX/XXXX/15 asking that they not contact me, credit my account in full and remove any negative credit rating reports they may have made. Macy 's continues to call me and send me monthly statements with added fees.

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 2015-12-14 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: MD

Complaint narrative:
My Macy 's credit card was stolen on XXXX XXXX. Fraudulent charges were made on XXXX XXXX. I did not know my card was stolen until XXXX XXXX when Macy 's attempted to take an automatic payment from my bank account. I immediately called and reported the card stolen and asked for the paperwork for a fraud claim. I called back in the beginning of XXXX ( two weeks later ) to ask why I had not received the paperwork. Macy 's informed me that they did not cancel my card or list that it was stolen. I have received a statement each month since XXXX listing the fraudulent charges as being past due, including late penalty charges. In XXXX, I received a call from a collections agency. When I contacted Macy 's they informed me that their computer systems canceled my fraud claim some time in XXXX, but that they had re-opened it. The representative said that they would email the agency to cancel the calls. The I received another collections call on XXXX XXXX. When I called Macy 's they told me that the investigation had not been started, but that it would be " moved up '' in the list and would be resolved within 60 days. They also informed me that each month I was not paying the charges would be a negative hit to my credit score. They told me that they would email, again, the collections agency to ask for the calls to stop. I called again on XXXX XXXX, to confirm that the case would be resolved by XXXX XXXX and to get an update on the case. The representative confirmed that the case would be resolved by XXXX XXXX, but stated that no investigation had been started.. Today XXXX XXXX XXXX ) I received another call from a collections agency. When I spoke to the representative, they again told me they would email the company, but that nothing had been done to resolve my account. I still receive a statement each month listing finance charges for late fees for the stolen funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
OneMain Financial called my place of business after being notified by mail to not contact me by phone what so ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account with Citi bank with {$15000.00} for their promotional {$400.00} bonus. Their stipulation is I have to deposit and keep that amount in the account for 30 days. Then I needed to keep at least {$10000.00} in account for another 60 days. It has been over 120 days and I still do not see the {$400.00} bonus. I online chatted with their service rep two times. One rep said I should get it by XX/XX/2017 and another said by XX/XX/2017. I send this complaint because I do not think they will ever give me the money because their reps are not consistent with the days. I suspect they are just giving me the go-around with no definite answers.

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 2016-05-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
According to XXXX, I have a " Fair '' rating n credit inquiries due to XXXX requesting XXXX hard inquiries within a XXXXmonth period of time when I was shopping for the right product with them. They assured me any inquiries would not impact my credit score. When I called to ask why they requested XXXX hard inquiries on my credit report they offered no acceptable response nor any solution. My credit score was negatively impacted in part due to their redundant requests.

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 2015-11-11 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX 2015 received credit card statement from Macy 's. Balance was {$110.00} and I paid it in full with a XXXX XXXX check. When I again received my statement in XX/XX/XXXX it showed a non payment and interest and fee attached. I checked my XXXX XXXX Statement and check was cashed XXXX XXXX electronically by Macy 's. I faxed my bank statement to payment research a department I believe is with Department Stores National Bank. XX/XX/XXXX and XX/XX/XXXX statements have still not been corrected to a XXXX balance on my account. I went to XXXX XXXX for assistance and was told they could not provide me with the transaction number because it had been to many weeks and they were not able to retrieve it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
THIS IS A NEW REPEAT COMPLAIN AS TODAY HAPPENED AGAIN- Ongoing ABUSE - A probably " fake '' Co hiding number address Name falsely representing as " attorneys '' continues to HARASS ME/our family calling threatening SUE if do not pay DOUBLE plus {$1000.00} more of an Old Credit Card Consumer Debt with Radio Shack ( currently Bankrupt ) debt from 2004 past 10 years delinquent, extortion call being done ( threat to sue, garnish my Bank Accounts everything, an ABUSE ). Co calls done from XXXX XXXX XXXX caller identified as " Supervisor '', said Co were " Attorneys '' called XXXX XXXX ( did Browse, NON-existent ) File XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I started a new credit card with Citibank. When I first owed {$10.00} on the card in XXXX 2015, I called customer service at Citibank to see how best to pay the debt. The customer service representative said that I had a year of 0 % interest on this card, and that I did n't need to pay it off. She recommended that I wait until I accrue a larger debt on the card as it did n't matter when I payed it, during the first year. She said there was no penalty for the first year. Based on this information, I did n't make a payment at that time. 
The problem is that in XXXX of 2015 I received a call from the collections department of Citibank saying that I was over 60 days overdue and that I had been reported to the credit bureaus. I tried to explain and the lady did n't want to talk about it at all and said I would have to talk to customer service about the report to the credit bureaus.. I was furious. 

After immediately making a payment, I contacted customer service at Citibank and they said they could n't do anything, and that my only recourse was to contact the XXXX XXXX department by mail only. This I found ridiculous as I am being given the run around and not being taken care of as a customer. They told me exactly what to put in the letter including the last XXXX digits of my credit card number. 
I write a letter to the department explaining that I want them to call me and to fix the report that they made to the credit bureaus because I had been misinformed by their company about making payments. This letter was dated XXXX/XXXX/15. 
I received a letter from the XXXX XXXX Department dated XXXX/XXXX/15 asking for my credit card number and a copy of the credit report. This incited me even more because they are wasting a lot of my time with the slow correspondence by letter, and they did n't call as requested, and they are requesting information that they already have. 
I respond on XXXX/XXXX/2015 demanding that they call me and make some real effort to rectify the situation with the credit bureaus. 
The XXXX XXXX Department responds with a XXXX sentence letter dated XXXX/XXXX/15 asking for another letter from me explaining my situation ( already did that in my original letter to them XXXX and a copy of my credit report. They are clearly trying to wear me down with their red tape and letters. 
I finally respond with a hand written note on their last letter stating that I am contacting you, the CFPB, to file a complaint and seek resolution. I 'm including copies of all letters in this filing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: CA

Complaint narrative:
On at least 3 occasions, there was XXXX unauthorized payment scheduled in addition to the single authorized payment by a phone representative. Each time it has required intervention to cancel the additional payment not authorized. Recently, a second unauthorized payment was withdrawn without consent, even after a call to cancel the duplicate was made prior the phone payment request which would have indicated that the unauthorized payment was still pending, and the representative ignored this fact, and scheduled the ( new ) duplicate anyway, causing a double withdraw and serious financial hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Last XXXX I bought a merchandise on line it came defective, I tried to look a viable solution with the seller we could n't find. I contacted Shell Master card to initiate a disputed for the amount of {$94.00} I sent Shell Master Card proper documentation. Theydenied me assistance saying : '' The Merchant is willing to work with you '' and '' based on a review of the circumstances surrounding the charge we have noresource to recover the funds ''. I believe Shell MasterCard is unwilling torepresent me with the merchant, for the defective merchandise I received. 
Also I have to mention the Merchant does n't have the merchandise to exchangeit. I 'm attaching documentation on regards. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was issued a Best Buy Card ( Citi Bank ) credit line in XXXX of XXXX by a local Best Buy store. Store employees assured me that no interest would be charged for three years upon paying the minimum monthly payment. No physical " card '' or contract was ever received in the mail. 
I continued paying regularly till XXXX XXXX. Upon checking the account statement I noticed I had been charged interest to the amount of {$1000.00}. Once their promotional period of 24 months ( not 3 years as I was led to believe ) was over, Citi Bank added on an interest of 25.49 % APR starting from XXXX XXXX. Citi Bank failed to inform me that my promotional period was about to end, that an interest would be charged or the fact that interest would be charged from the issuing date.

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 2016-03-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I am a Citi Double Cash cardholder and am completely frustrated with Citi, as they have begun holding my payments for up to 10 days for verification before they reinstate my credit availability on the card. We obtained the card last fall and have always paid the card balance in full every month ( sometimes multiple payments per month to keep the balance from growing ). We make our payments electronically, via the Citi website, debiting our checking account at XXXX. The first several months we had the card, Citi would reinstate our credit availability on the card immediately following the initiation of the payment. Due to the velocity of our recent payments, Citi has begun to implement the " hold for verification '' on our payments, not reinstating our credit limit, even after the payment has cleared my XXXX account. I could understand a 24 hour, even maybe a 48 hour hold to be sure the ACH debit has cleared and funds are received, but knowing the funds have been transferred to Citi and having them hold them for " verification '' is completely dishonest and misleading. In speaking with a Citi customer service supervisor today, she alluded to the fact that when customers increase the velocity of their payments, thus obtaining the 1 % cash back reward quicker, Citi decides to exercise this practice of holding the payments. There is nothing in the Cardmember Agreement about making too many payments or the ability of Citi to hold payments for verification. Citi is being deceptive in its marketing of the Cash Back Card and its benefits and the " hold for verification '' practice is unethical and wrong. 
Any assistance you can provide in helping me cause Citi to end its deceptive practices would be greatly appreciated.

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 2016-07-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Received a refund check for a credit on a credit card account of my deceased mother. While waiting for the estate settlement to complete the check went past the 180 day period and became invalid. Numerous calls ( and being on hold for hours ) have not resolved the problem!

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 2015-07-22 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I attempted to access my account at Citi.com so that I could pay my balance. I have n't used the card in a while and could not remember my password. Their online password reset sequence asked for my full credit card number, the security code, and answers to my security questions. I could not remember the answers to my security questions. 
I called them and spoke to a representative. He asked me for all the same information and then told me he could not reset my password unless I could answer the security questions. Typically, prior to this point, I am offered the option to email me a password reset link. He said that was not possible. 
I finally asked him to send me a paper bill so that I could pay my balance. He again asked for my personal data. 
I am concerned about identity theft, since I gave them the PAN and security code at least XXXX times ( XXXX online and XXXX on the phone ). Also, not being able to access my account electronically at all is bad business and unacceptable to me. 
1. Should I be concerned about this? 
2. How will my FICO score be affected if I cancel this card? 
Thank you very much. 
Regards, XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My credit cards were abruptly closed by Citibank after having collected over XXXX Thank You Points over many years of daily use. I have put almost of my spending on their credit cards over the years to accumulate such points and Citibank simply closed my accounts without telling me why and took away all my points. This is absolute stealing for promising a rewards program to customers and then once points accumulate they just close the accounts and take away the points without reason. This is absolutely wrong and very dishonest of them to treat a loyal customer like me. 
Having contacted Citibank, they refuse to provide any resolution other than providing me an address to write to. They stated the accounts were closed by Citi and the points were taken away as a result. The points are worth XXXX of dollars and I have spent so many years collecting 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 2015-12-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had my loan with Citimortgage for many years and never missed a payment of was late. We have a XXXX XXXX loan 30 year fixed 5 % and when the rates went down I applied through Citimortgage for a refi. We were told no income varification or appraisal would be required and it was to have no fees charged. It would have saved us quite alot of money in monthly payments and over the life of the loan. As the refi was being processed Citimortgage sold our mortgage to XXXX now XXXX and which I learned only as the Citmortgage refi broker was looking at our account and watched it disappear off the screen. He filed a complaint with his supervisor that we were in the middle of the refi process and his complaint was denied. Now we are with XXXX, have not had the opportunity to refi as they say they can not honor the Citimortgage deal, and the services is atrocious. We do not want to do business with them and have had no choice. How is this possible that the consumer can not chose who they do business with on the most major purchase of their entire life, the mortgage of their home!!??? Outrageous.

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