vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 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: ASTA FUNDING INC.
State: PA

Complaint narrative:
I recently received a fraudulent collection letter from a " legitimate '' collection agency, XXXX, that is a running a scam and stealing money and identities. They claim that XXXX XXXX XXXX submitted a collection to them and are requesting my personal information and that I pay the balance. No balance exists with XXXX XXXX XXXX. I researched this company and found that they have been running similar scams, stealing people 's money using fake claims, stealing identities, and effecting people 's credit ratings. They are running a fraudulent scam and trying to extort money which is not owed by threatening to negatively impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My husband and I went to Macy 's to buy bedding on XX/XX/2016 : a duvet, duvet lining and matching pillows. At the time of purchase the sales clerk suggested we apply for a Macy 's credit card to receive an additional 5 % off. We applied right then and there at the sales counter. We were denied, so we paid for the bedding with our personal credit card. PROBLEM- we received a Macy 's credit card in the mail account number - XXXX with a statement showing a charge for the bedding. Incidentally, we never signed anything for a Macy 's credit card. We called Macy 's - ( have been calling for several months now ) explaining the situation to a 'supervisor '. We mailed copies of our credit card statement verifying that this was paid for with our own credit card. Every time we call, we get the same line : " We understand, we will take care of this ''. Up to this month there has not been a minimum due because we were 'in dispute '. This last statement, not only was the charge not taken off of the Macy 's card, a minimum payment is due. My husband is very worried about our credit so he went ahead and paid the Macy 's charge of {$550.00}. on XX/XX/2016. So we have paid doubled for this bedding. They wore us down and they won. Can you help us get our money back from Macy 's?

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 2016-05-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
In 2007, my home was foreclosed on while I was called up as a XXXX in violation of the SCRA entitling me to recourse through the OCC and National Mortgage Settlement. I received a small check ( {$600.00} ) from the OCC settlement. ( Much lower than it should have been per their criteria ). I went through my Attorney General 's Office to try to resolve this. During their talks with Citi Mortgage, they were told that Citi had rescinded the sale of the home ( consequently they sold it to themselves ) 10 months later. However, public record shows that the sale was rescinded 2 years later. Either way, I feel I should have been entitled relief from Citi which I have been denied. I was never made aware that they ever rescinded the sale of the home, or that they re-instated the loan. The home has been destroyed by vandalism and weather leaving no value to the property. Earlier this year I was told they we 're again foreclosing on the home, but later they decided not to and are continuing to hold me hostage to this loan now 9 years later.

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 2016-07-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, My husband and I opened accounts with Citibank pursuant to a promotional offer to receive XXXX miles. When I first applied, I was assured via a written communication that I qualified for the promotion and needed only to meet certain requirements. After meeting those requirements I was assured that I would receive the miles - again by a written communication. 

Later, however, I received a third communication that informed me that I would not be receiving the promotion they had already promised me twice, but instead that I no longer qualified. I asked Citibank to look into this, and a month later received the same communication that I did not qualify. 

This is all despite the fact that I received written assurances that the promotion applied to my account and that it would be honored. Citibank lured me into opening an account with them only to have them take back their promotional offer without warning and only AFTER promising me miles. Completely unacceptable. There is another word for it as well ... Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
tired of doing this. i have been with ciri bank 25 years plus what banking does not do sometimes is get to know their customers. XXXX does XXXX XXXX and i use those cards for major purchases. not citi. since there is no loyalty since XXXX they have XXXX dollars of interest they refuse to refund all of a sudden when it was happening. i have medical debt that could if i so chose allow me to discharge all. i am not doing this though. 
i am very frustrated at the scripts and bureaucracy in the financial industry what a disappointment that you dont get loyalty for loyalty so i cant give it. onceciti refunds it wuthout throwing it in my face or scripting me. or telling me its valid i will add it to my list of preferred cards. this is for my card ending 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 2017-02-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I returned several items to my local Home Depot on XXXX XXXX, 2016 that I had purchased using Visa prepaid card number XXXX XXXX XXXX XXXX. Home Depot issued a credit for {$39.00} to the prepaid card. The problem is that because the card had expired in XXXX of 2016, two months before Home Depot issued the credit, there is no way at all for me to retrieve those funds. My question is, why does the expiration date not show up when a store attempts to apply a credit to an expired card? This seems like a scam for the prepaid card companies to knowingly get funds that the customer has no way at all to access.

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 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a classic " bait and switch '' case in which a Citi broker provided misleading information in order to try to close a deal. The result is that it is adding a month to my closing date and putting the deal in jeopardy. My wife, our dog and I are now in rotating short term housing, paying a fortune in rent due to this misinformation. Added to this, a total lack of communication, and you have a hugely frustrating and expensive situation - all due to the broker 's greed. 

What happened : We are in the process of buying a house in XXXX. We were working with XXXX mortgage brokers to make sure we got the best deal. We went ahead and ordered appraisals through XXXX XXXX and Citi. XXXX XXXX came back on XXXX XXXX 2015 with a favorable appraisal ( in writing ). Citi had offered a lower interest rate and, worried that XXXX XXXX was going to get the deal, advised on Monday XXXX XXXX that their appraisal on the house was higher than XXXX XXXX. I therefore advised XXXX that I was going to go with Citi. XXXX then cancelled the application. There was no communication from Citi all week when I tried to set a closing date. They did n't respond to calls and emails all week. They then emailed at XXXX on Friday stating that their appraisal was much lower than confirmed on the phone and if I wanted financing for the house at the previous level there would be all kinds on new costs and restrictions including having to keep assets of $ 100k in a Citi account prior to and after closing. 

Again, scurrilous sales practices paired with no communication after makes for very unethical behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
NationStar Mortgage is added a {$110.00} 0n our mortgage bill for the Month of XXXX, according to the bill they sent us it is stated as fees and Charges and there is no explanation of the reason for the Charges. NationStar has not still explained to us why they have raised our Escrow payment to {$130.00} when our house value is at its lowest. 
We think the cfpb should look very closely at the practices of NationStar Mortgage randomly and illegally charging fees that are not warranted. 
My Family and I are barely earning above XXXX, for them to charge us such fees on top of an 8.5 % interest mortgage rate is just another prime example of their disregard of the struggles that families like us are still going through to keep us in our homes. 
Any fees illegally paid to NationStar Mortgage should be paid back in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I had a XXXX account opened XXXX/XXXX/XXXX and closed around XXXX XXXX. This account was closed because of fraudulent charges. At this present time the creditor is reporting my account as Charged Off. I called several time to rectify the situation and the Supervisor continue to state that they will correct and update this information through the credit bureaus. Once again they continue to apologize for they mistakes.

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 2017-02-24 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am a Macy 's consumer store card holder and was recently reported to the credit bureau as XXXX days past due. The initial late payment dated back to XXXX however I continued to make payments before 30 day time periods to avoid the late reporting until I could get to financially stable to pay what was owed. I called Macy 's and asked for some sort of resolution and was advised the only option was to close the account, not other hardship arrangement could be made. I then emailed XXXX explain my situation and requested a one time courtesy to have the negative credit reporting removed. I then received a phone call from XXXX, I emailed her after numerous times trying to reach her by telphone but to no avail. Then, I received an email from XXXX stating they would not do anything differently than what has already been done and to contact her if I had any other concerns so I did. I have been trying to pay my recent " Special Event '' financing purchase off as well as catch up the past due balance and I can not get anyone on the phone that speaks reasonably clear XXXX. The individuals I am able to reach simply transfers the call as " protocol '' without offering any assistance for something as simple as making a payment. I have several questions that have gone unanswered and everyone seems to provide a generic email response, or I am speaking with " customer service/collections specialists '' that are telling me conflicting information. I was told yesterday that I needed to just make the payment totalling the past due amount plus the balance of the special event purchase then call back in 24-48 hours and tell them how to apply the funds. She also stated my monthly balance continues to increase because of the one missed payment, but they are not late fees. Late fees are added to the entire amount owed. How then is my balance {$280.00} now instead of the {$180.00} I was paying prior to missing XXXX payment? I emailed XXXX, XXXX, and XXXX in the executive office explaining my issue of communication with reps within their company and no one has contacted me to resolve the issue. Today I spoke with someone by the name ( s ) of XXXX, XXXX, and XXXX. XXXX advised me that if I pay the special event purchase off then that will take care of the past due balance also. My specific question was " How will that take care of a past due balance that is treated separately from this purchase? '' He could not answer me then claimed my phone was breaking up, yet I had no issue speaking and explaining the situation to two reps prior to being transferred to him. How can a company report someone late, and not offer a valid explanation of why the time frame of the late was reported the way it was and also the amount being reported? They have reversed late credit reportings, so why does my situation not qualify for that option?

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 2015-09-21 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In 2014, we fell behind on making a credit card payment. We were contacted by XXXX. The original creditor is Citi ATT & T Universal XXXX. At this time, I calculate that we have paid them over {$11000.00}. However, on my credit report it shows that I only make a monthly payment of {$460.00} per month and the account has also been marked as closed. However, I receive a statement from Citi XXXX XXXX XXXX monthly, and it shows they are still charging me interest. How can this be when the account has been closed and charged off? I feel that they are not applying my money in an appropriate manner so that this may be paid off quicker. While I do agree that we were behind and we owe this debt, I feel they are being unfair in the collection process. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My deceased mother continue to recieve mail and correspondence From CitiMortgage , Inc in regards to an alleged Mortgage : Please se CFPB Case # XXXX XXXX, XXXX & 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 2015-11-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Over a year ago I received in the mail and letter from Owen Mortgage, indicating my mortgage load had been cancelled, the amount of. {$140.00}. When I called several time inquiry about the deed I got no response, just shifting me from one department to another. Next a Sheriff appeared to evict me from my hone, with a sticking type paper. When I inquired she said, " You got to get out :. I was absolutely deviated, where I felt that XXXX was the only solution. However, friends rallied around me, and that day I went to the court ( XXXX ) to file an appeal. I was asked to submit a letter, to the judge explaining my situation. A week later I received notice for a hearing XX/XX/2015. Where I appeared before the judge, but the lawyer representing XXXX, XXXX, XXXX law firm, did n't allow me to get a word in edgewise.. So I filled an official appeal with both courts. 
XXXX. XXXX XXXX XXXX appear to be apart of the fraudulent behavior as their name is listed too., Please help me I have lived in this home for 21 years, I 'm a XXXX XXXX, with no relatives in the area. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX HOME XXXX XXXX XXXX CEL

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
In XXXX 2014, I unexpectedly lost my job and my wife was battling serious medical issues. We proactively contacted Citi mortgage and requested assistance with a home refinance or modification. The Citi representative informed us that we were not eligible for any home assistance because we had never missed a loan payment in ten years. The Citi representative told us the only way we could get assistance was to get behind in mortgage payments. In 2014, my credit score was XXXX. It took me ten months to secure out of state employment again and during that time we did fall behind on our home mortgage payments as we informed Citi would happen without assistance. We followed Citi 's advice and have been trying to get approved for a mortgage loan modification for almost two years. 
In XXXX, Citi wrote off the {$69000.00} second mortgage as bad debt because we were {$5000.00} behind in payments. We had been making some payments on the loan but stopped when a Citi representative told us it was n't necessary while the case was under review. We have been given inconsistent direction from Citi representatives throughout the entire process ( very frustrating ). I have been making payments on the first loan as best we could to show good faith, but have been waiting since XXXX for a decision on our loan modification request. 
We feel Citi is intentionally trying to foreclose on our home by preventing us from completing the loan modification process. We have provided them with all requested documentation numerous times only to be told something has n't been received or was n't completed properly. Each time we submit information, it takes several weeks to get a response and then they request us to submit the same information again. The current loan specialist assigned to our case is supposed to call weekly and has not called in the past two weeks. She has hung up on us during previous conversations when we press for explanations and does not respond to email requests for information. Trying to complete this loan modification process is causing XXXX and XXXX on us. We feel we have been unfairly treated by Citi, despite our good faith efforts to provide them with all required documentation. We are no closer to completing the loan modification after two years of effort. We want to keep our home but we need assistance immediately.

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 2016-09-25 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This is a complaint regarding the credit sales practices of Macy 's department stores. When I was checking out to purchase an item a few weeks ago, I was convinced by the sales agent to purchase the " Thanks for Sharing '' promotion. The agent told me that I would receive 10 % of the purchase price as a statement credit in exchange for paying the enrollment fee of {$25.00}. She confirmed that the 10 % off would directly reduce my statement balance. As a result of agent 's statements, I purchased enrollment in the program and also purchased a more expensive item. 
I received my XXXX/XXXX/2016 statement and there was no statement credit for 10 % of the purchases. I called the customer service line listed on the statement. I explained the situation to the telephone customer service representative who told me that the sales agent told me false information. The representative told me that the 10 % does not come as a statement credit but rather as a rewards credit and later on, I would get a gift card. I am not in a Macy 's rewards program and my credit card account statement does not have any information stating rewards were accrued to me. I asked for a 10 % credit to be applied to my account ( what I was promised when I purchased enrollment ) and that request was denied by the representative. I asked for the terms of the program to be sent to me and to have someone call me back regarding my complaint about the program. The representative told me she would have the program terms sent to me but expressed doubt as to whether anyone would contact me regarding the program. 
The deceptive statement by sales agent resulted in me purchasing a temporary add-on credit card product that will not provide the benefits promised. From what I was told by the customer service agent, my lack of enrollment in the rewards program precludes my accrual of benefits in an alternative, inferior, method of benefits. Macy 's should not have sold me an enrollment in XXXX program that requires membership in a second program when it knows that I am not a member in the second program. 
I would like a 10 % statement credit to be provided. Additionally, Macy 's should provide comprehensive training to its sales employees and implement a system of controls to manage the risk of making deceptive claims in sales.

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 2017-03-04 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: AFNI INC.
State: MN

Complaint narrative:
I closed my account with XXXX and paid them what I owed. After return there equipment I received a bill in the mail for movies they say I did not pay for. I called XXXX and we resolved the problem, I had thought. When we had XXXX as our Internet we were not able to get any of the movies we were trying to order. XXXX was no help we soon canceled them. XXXX at the time tried to help us get these movies and we could not watch them for some reason they would not come in. We tried many different things resulting in showing that we ordered these movies. They said we would not be charged and we were not at the time. Now somehow another part of XXXX has sent these charges to collections. After explaining more than once to the collection agency and XXXX, I am getting no where still getting bills and calls to pay. The collection agency is affiliated, there # XXXX.

Company response to consumer: Closed with explanation