vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Reference : Citi XXXX XXXX Card I paid a balance due on XXXX/XXXX/16 of {$220.00}, the payment was due on XXXX/XXXX/16. That payment gave me a {$0.00} balance. I have called and spoke to XXXX different people about a {$25.00} late charge. The statement says no payment was made by the due date thus the late charge. The {$25.00} charge was debited to the account on XXXX/XXXX/16, this is 6 days after I made the payment of {$220.00}. I have asked for the {$25.00} late fee be removed from my account. The CSR 's I spoke to told me I have to wait for a call from a supervisor.

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 2017-01-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have had a citi credit card for a long time, since 2007. In fact it was one of my highest limit cards ( about {$14000.00} line of credit ) and one of the oldest accounts I had. I had not used the card for quite sometime and all of a sudden it was closed without any prior notice to me. I just received a message saying my card was closed. There was no balance on it but if I had known my card would be closed for non-usage, I would have used it! I believe Citi did this because they wanted to switch away from the old rewards system model for that particular credit card. 

I believe their action has adversely affected my credit score and I did not deserve this. I did not receive any notification prior to being emailed that my account was closed.

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 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The information submitted by XXXX XXXX and XXXX Bank as shown from captures of my credit report are incorrect. They incorrectly reported a delinquencies on my XXXX credit bureau reports. I have submitted my dispute with Experian, Equifax and XXXX and am looking for an urgent timely response. The payment for the credit card was made on time, any delay and lack of accurate report is caused by XXXX XXXX. They asked that I get this resolved by contacting the credit reporting bureaus directly. XXXX Bank is unable to verify the delinquency. 

Please refer to the captures uploaded as images for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citibank is calling on Sunday morning at XXXX XXXX ( Arizona time ) for a payment to a past due account. Per the federal guidelines, it states calls can be made between XXXX XXXX - XXXX XXXX on Sundays. This phone call was outside of these hours.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
The issue here is that we have been wronged by XXXX. Along with numerous other establishments and their flagrant misrepresentations. The monies paid to your company were taken under false pretenses. On XXXX XXXX, 2014, they charged me {$4900.00}. This was on my bank statement. They did say they were doing my advanced marketing. I was definitely taken advantage of by these people because I had no phone number or any means to get back in touch with them. I do not want to do any further business with them and request a refund. I am very uncomfortable working with this and at this time would like to cancel these services and demand a FULL refund of my money. The company is non responsive to calls, complaints and letters. I have reached out to my banking institute and supplied them with all the information that was in my possession. They advised that I did not. I called and advised Citibank that it was n't a billing error, that I have a contractual agreement with the above referenced merchant and that I was allowed to file this under " services not as described '' up to a year from the date of the original transaction in accordance with Federal Regulation, they can not pick and choose as they see fit. Also the mentioned I did not comply with their request for documentation. I give them everything I had. They offered no help at all. I can not afford this big of a hit to my finances. Please advise my credit card company of proper protocol and ensure they help me. I need your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Lending Club Corp
State: CA

Complaint narrative:
Lending Club led me to believe that my loan had been approved when in actuality it had not. They continued to request documents, to the point where I realized they had never approved it to start with. Yet one week ago when I applied, their website stated " Your {$1200.00} loan is on its way. '' This is deceptive as there was never a " loan on its way. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Signed up for an offer from Citi for XXXX thank you points when opening a Citigold account, having a thank you card, and completing two bill payments for 2 consecutive months. The points should have been awarded to my credit card account within 90 days of when I had completed the two bill payments, I have not been awarded any points, and I 'm having to make account fee payments to keep the account open unnecessarily.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX, I applied and was approved for a Citi Forward credit card ( ending in XXXX ) using an online application form. Terms and Conditions that was presented to me at the time of application ( a screenshot is attached ), clearly and explicitly explained that I will earn XXXX ThankYou points for every dollar I spend on purchases at ( 1 ) book stores, ( 2 ) record stores, ( 3 ) restaurants, including fast food restaurants, ( 4 ) motion picture theaters, and ( 5 ) video entertainment rental stores. However after receiving my first statements I realized, in violation of Terms and Conditions that was presented to me in the online application form, I was not receiving XXXX ThankYou points per dollar for purchases at above mentioned categories. Instead, it seemed that I was receiving only XXXX ThankYou points for those purchases. I called Citi a few times and explained the whole issue, but the only thing they did was explaining to me that my card earns XXXX ( and not XXXX ) ThankYou points per dollar for purchases in those categories, and they did not seem to be bothered by the fact that this was in violation of the Terms and Conditions that was presented to me. I then proceeded to send a letter to Citi XXXX I think to CitiBank Executive Review Department in XXXX XXXX ) and explained the issue, but received a similar response that mentioned that my card earns XXXX ( and not XXXX ) ThankYou points per dollar for purchases in those categories, and ignored that Citi was violating Terms and Conditions of the account. Overall Citi did nothing to resolve this issue. 
It is a few years past this incidence, but the bad feeling about it keeps being with me. At the time I was initially dealing with this issue, I was not aware of existence of CFPB, so I did not file a complaint. Now that I am aware of this possibility and have already exhausted other possibilities, I would like to take this route to ask Citi to follow Terms and Conditions that was presented to me so that my Citi Forward credit card account earns XXXX ThankYou points for every dollar I spend on purchases at ( 1 ) book stores, ( 2 ) record stores, ( 3 ) restaurants, including fast food restaurants, ( 4 ) motion picture theaters, and ( 5 ) video entertainment rental stores.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I opened my citibank account on XX/XX/XXXX. I deposited XXXX on XX/XX/XXXX. 
I dd n't like citibank experience and decided to close my account. So I pulled my money on XXXX/XXXX/XXXX and deposited into my XXXX XXXX XXXX account using mobile deposit. It was posted on XX/XX/XXXX. Then I closed my citibank account. On XX/XX/XXXX it was returned. Now that my citibank is already closed, that money was not deposited into citibank. Both banks suggest me to contact other bank and noone is for sure about what happened to my XXXX money. Please help 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 2015-12-30 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased an item on " XXXX '' and paid using my " XXXX '' account under creditcard- ( citi mc ). 
a month later after reviewing my creditcard statement it showed a cash advance Fee charge + intrest now accruing every month. I called and they said the transaction went through as a cash advance. Citibank mc refused to reverse the charge saying XXXX needed to do it. XXXX refused to do it saying it could not be a cash advance because they dont allow it. I had both reps on a XXXX call, and they both argued with each other saying there was a mistake but neither could do anything about the charges, with me caught in the middle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-09 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: The CMI Group, Inc.
State: GA

Complaint narrative:
Credit Management XXXX, has made repeated telephone attempts to collect a + {$200.00} debt on behalf of XXXX. The problem with their story is that XXXX auto debits my bill, and when I called XXXX, they said they never heard of Credit Management. 
The only other scenario I can imagine is that someone has stolen my identity, despite having a bank supplied identity protection service.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: GA

Complaint narrative:
I received a call from XXXX XXXX XXXX from Stone Leigh Recovery at XXXX eastern time. XXXX did not identify the name of his company on the phone call and did not indicate he was calling in regards to a debt. I told him that I 'm not aware of any personal debts and he should mail me official notice. XXXX wanted me to verify personal information and I refused. My ex wife has many debts that are no longer my obligation and the debt collectors like XXXX use misleading statements to try and gather personal information such as my last XXXX of ss #, mailing address and contact numbers. I learned of the company name after calling the number on the caller id and requesting from XXXX 's brother the name of the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
We ordered a solar pool cover from an online company called XXXX on XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX York, NY XXXX 
Email XXXX XXXXXXXXXXXX. No phone number provided. 
An email response was received that same day, informing us that the item would leave the warehouse within XXXX. We had requested, and paid for " rush processing ''. 
After XXXX days, without any further contact from this company we inquired when our item would be shipped. The response was that this was a special item, manufactured to specification and that we should be patient. After XXXX days, no shipping info, so we contacted them again. At that point they told us that it would be best if we cancelled the order, to which we agreed, provided we got a full reimbursement on our credit card. 
The next day, the company informed us that the item had been shipped and if we refused delivery they would withhold a 25 % " restockingfee ''. 
We did not agree with that and informed the company accordingly. Now they have informed us that the restocking fee is 75 %. 
As we suspect internet fraud, we kindly ask your agency to look into this. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have been making on time payments to a Capital One XXXX but between the months of XXXX 2016 and XXXX 2016 it says I have made zero payments. This incorrect reporting to the credit bureau is hurting me. It says I have made {$0.00} payments to Capital One yet I have my bank statements AND payment history from Capital One website showing differently. I want Cap 1 to report correctly to show I made payments to them during those 4 months. I have been fighting this but they will not budge, even with proof they will not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I spoke with a company called XXXX and explained that I could n't afford to make a payment on my Capitol one account that day but I would call back on XXXX/XXXX/16 and set up payment arrangements on the account. I am not sure of the date that I spoke to them about the payments but I believe it was around XXXX/XXXX/2016. 
Today I recieved a phone call from a relative that I have n't spoken to for two years saying she spoke to someone from the same company who told her that I was in default on my Capitol one credit card. They gave her my balance, told her that they spoke with me about my account and that I told them I would call back to make payment arrangements and never called them back. They gave her a date that they spoke with me and everything!! Now that relative has told my whole family that I can not pay my bills and is dragging my name through the mud. I called XXXX agency and spoke with a manager named XXXX and he told me he would look into listening to the call and apologized for what happened. After speaking to him I decided to call back and make a request to hear the call, and XXXX stated that he did n't believe there was a way to do that. I have contacted my lawyer because I believe my FDCPA rights have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom it may concern, I, XXXX XXXX applied for a modification to Capitol One through my bankruptcy Attorney ( XXXX XXXX ). I was then denied a modification. I was approved a payback plan of {$27000.00} down and {$6000.00} with in one year. I was not able to accomplish this. A Deed In Lo, Or a Short sale. Was then told from Capitol One there was nothing more that I could do to save our home. 
We then went to XXXX a consumer advocacy group. There I applied again for a modification. Was again denied a modification. This time was only offered Deed in Lou, or Short sale. I have contacted Capitol One and Escalated my file on my own. In the escalation department ( XXXX ) I spoke with a lady named XXXX. She tried to help. She gave me a # to XXXX XXXX XXXX XXXX # XXXX. She was also told from her managers there was nothing more that she could do. I called the above XXXX XXXX # and was told if I am in bankruptcy that XXXX XXXX can not help me at all because they are a debt collector. The only thing I could do was work something out with Capitol One. Capitol one has told me there is nothing more that they can do. My monthly salary is {$5700.00} My first mortgage is {$120000.00} my arrears are {$73000.00}. I 'm being told from another consumer advocate that there is a mod that will work. Called an Investor mod. The mod is $ % for 40 years. That Makes our payment Approximately {$1300.00} per month. Or if there is an alternative mod that will work for us. Were not interested in loosing our home. 
Please help us save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One failed to collect the annual fee as described in the terms of agreement for my HELOC for XXXX of XXXX years and then tacked it onto my payoff which I was obviously not prepared for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I requested verification of debt, debt collector and/or attorney stated they did not have to provide me with proper validation of debt the further stated that copies of past statements were validation of debt. I am not disputing that I owe the company money I 'm disputing the amount I have questions about the debt I requested proper validation of the debt as well as the signed contract from the credit card company and signatures of purchases that I personally made with the credit card none of which I have been given except for copies of statements of two plus years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: IL

Complaint narrative:
It seems like my private student loan interest rate goes up every month or every other month. I have been repaying it on time and even additional principle payments to pay it off faster. I would like you to check why the interest rate keeps climbing for no reason at all. I get letters often that the interest rate went up for no reason. I 'm wondering if this is legal? I am also wondering how I can get them to stop increasing my interest rate so often. It started at 4 % and is up to 5 % in less than a year. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have filed a complaint with the bank because of suspected fraud on my account and several charges that I did not authorize. The institution has since put a freeze on my account and refuses to provide me with any information. I recently paid my auto insurance from the account where there was a balance to cover the transaction and the bank returned the payment. Their reasoning is that the funds are being held due to the investigation. The rep who I am asked to contact is never in the call center and they keep the same business hours as I do and I have to work. 

How can your complaint be satisfactorily addressed? 
The funds need to be released on my account as they are being unjustly held and have now caused me hundreds of dollars in fees because of the returned transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My XXXX yrs. old daughter without my permission used my Capital One credit card to purchase XXXX concert tickets valued at {$340.00}, later that day looking at my notifications on my phone I see the charges and called Capital one, they told me I needed to call the police and present charges to my daughter ( needless to say I developed a knot in my stomach ) the agent proceeded to contact the merchant and they did not helped even though I mention that I was within my 3 days to rescind, plus I did not authorize this transaction, I did therefore disputed the transaction today I received a letter from Capital one saying they are charging my account {$340.00} because the merchant showed my daughter made the purchase, mind you this concert is for XXXX/XXXX/15, which is in the futurePlease help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
When I opened my checking account I made it clear I did not want overdraft protection, and that the bank should decline charges if there is insufficient funds. Well on XXXX/XXXX/16 by account had insufficient funds, and I was charged an overdraft fee 4 times. Also I was not notified that my account was overdrawn until XXXX/XXXX/16 in my opinion this was as deliberate attempt to collect for fees.

Company response to consumer: Closed with monetary relief