vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I used home depot credit card charged {$210.00} on XXXX/XXXX/2015. 
I paid the bill of XXXX on XXXX/XXXX/2015 as the credit card company said that is including the interest. 
But the company keep to sending me the bill of late charge {$39.00} every month since then until now XXXX saying that because I paid XXXX is XXXX day late I have no idea of what after I paid whole balance bill with the late fee charge in full of their bill And they still keep to charge me the fee I have already paid in full And calling XXXX times day from XXXX to evening today XXXX, I had to pay {$78.00} for the company to finalize this pay by the customer service in the local home depot arrangement. 
This is not fair to me that I write this letter to you for your justifying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I, XXXX XXXX, a XXXX is working with XXXX and XXXX XXXX in requesting a loan modification for their second mortgage with CitMortgage. The homeowners had been in touch with CitiMortgage prior to my involvement and had received an email from a representative of CitiMortgage, XXXX XXXX by email with a list of documents needed to be submitted. These forms were completed by me, then reviewed and signed by the borrowers. They were submitted by email to XXXX on XXXX XXXX, 2016. I followed by with XXXX on two occasions by phone both times she informed me that she was too busy to speak with me but would call back that day. She returned one phone call at XXXX but did n't leave any message. I finally schedule a phone appt. with her today at XXXX. She called and at that time began to look at the package that was submitted to her 8 days prior. It took her no less than 15 minutes while I was on hold to review the documents. Everything she had put on the list to the XXXX had been provided. The only thing she could find to change was she wanted me to remove my name and contact information from the hardship affidavit. After working with lenders and servicers for the last 7+ years, I have never had one ask for me to remove my contact information on the hardship affidavit. I asked her to submit to underwriting to see if they needed and if necessary I would be happy to provide a new form ( signed by the borrowers ). It 's been a long haul helping homeowners in foreclosure and these type of tactics to delay and not process applications needs to stop. We are only asking that CitiMortgage review the documents and see if they would qualify for a loan modification so that they do n't loose their home.

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 2015-12-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
On XXXX XXXX, 2015 I received a bill of {$60.00} from Macy 's American express account. I informed the company the charge was fraudulent. I filled out a statement of fraud letter and mailed this to the company. I then received three calls a day from the collections department regarding non-payment. I informed them the charges were fraudulent and I should not be held responsible. The current date is XXXX 2015 and I continue to receive calls from the collections department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-17 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I received a pre-paid XXXX card from XXXX as a rebate. The expiration date on the card ( XXXX 2015 ) was approximately 3 months after I received it. I used all but {$48.00} of the funds, but now that the card is expired it got declined when I tried to use it. XXXX will not issue me a new card for the remaining balance, or offer any alternative compensation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I have been with this company XXXX after I was bought out from XXXX. I have called them and also had to tape record them through out the years because of the issues witch I had with Nation star. It always seem to happen around the year of reanalyzing my escrow. I always found out they were over charging me I continually keep watch on my mortgage. On XX/XX/2017 I called I received a letter that my mortgage had went up because my taxes and insurance had went up, I then called the XXXX and my insurance and got it lowered down and I called them they told me my shortage was {$350.00} I then had a three way conference call with the insurance agency she assured them my mortgage insurance went down from {$740.00} to {$560.00} they said they would reanalyze the escrow and it would be lowered before XX/XX/2017 On XX/XX/2017 at XXXX I called a spoke with some lady name XXXX she replied that she was the escrow I asked her to connect me with the escrow department she replied she was the escrow department I told her she was with consumer services what is the problem she ca n't connect me she said she put in to have it checked with the escrow department I then explained to her I had already spoken with someone from the department she told me to hold and kept me on hold for two hours until the phone hung up. I have some recording of some of the communication from the other dates involving the conference calls. I also made them aware I was recording our conversation because of the misunderstanding past the years I 've been through. I 'm just asking that my information be corrected. Before XX/XX/2017 If not I should be refunded back not adjusted this could be avoided if Nation star does what they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank had a promotion to get a credit card and if in the first months you use more the {$3000.00} they will give you XXXX miles. I called to verify that I had some of the miles because I spend over {$2000.00} and had over a {$1000.00} pending which it will be equivalent to {$3000.00}. When I called the lady that answer my phone call was not friendly at all she was talking very loud and did n't honor the promotion and said that even if I spent {$3000.00} I will not get the miles, I asked to speak to the supervisor and again he was talking very loud, all this conversations were in XXXX so they think that just because I asked to speak in spanish they think that you need them to speak louder, that is very frustrating. So this supervisor called XXXX said again that " no I will not get the XXXX miles '' then I said why is Citibank promoting something that is not true! Then he said " Oh yes you Will Get the XXXX miles by XX/XX/XXXX '', because I had spend over {$3000.00}. Then I asked for some sort of confirmation and he said that it was not needed. I called last night XXXX XXXX and spoke to a lady that talked super loud and she said that I was NOT going to get the XXXX miles. I can not believe that they have such a poor customer service and more severe false advertisement. Please help me with this situation. Thank you for your attention in this matter. 

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 non-monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: DISCOVER BANK
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. sent me a letter that they had been retained by Discover card notice of opportunity to contact within 30 days to dispute the debt, and a statement they are a debt collector. The letter was delivered uncertified. I responded on XXXX/XXXX/2015. In that letter, I asked XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. to validate the date. The letter stated to respond to a specific Notary Public who would verify and validate receipt of said validation within 30 days. The letter was sent by certified mail and received by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. on XXXX/XXXX/2015. I pulled my credit report and saw that this debt had been charged off. I then was served with a lawsuit on XXXX/XXXX/2015 by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. regarding this matter. My issue this firm stated they were retained by Discover card. That claim is patently false, since the debt was charged off. If Discover Card was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter, This indicates that they obtained this debt as third party debt collector. the statements made by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has extended this fraud into court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I applied for a the Citi Gold checking account using the code XXXX. This offer rewarded the user XXXX XXXX XXXX miles after spending {$1000.00} dollars and making XXXX bill pays. I confirmed via chat message that I was enrolled, that I had met the terms ( XXXX/XXXX/2016 ), and that I would be receiving the miles no later than XXXX/XXXX/2016. I have still not received the miles. I have called Citi 3 times in the last couple weeks and each time they tell me they have opened up an inquiry and I will be contacted in a couple days. I am yet to be contacted.

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 2015-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ASTA FUNDING INC.
State: CA

Complaint narrative:
I received a notice from Palisades Collection , L.L.C. today, XXXX XXXX for the first time and the notice is dated XXXX XXXX offering me Tax Season Discount Opportunity to pay account balance of {$8600.00}. According to the notice, XXXX was the original creditor. I have lived at my current address since XXXX and this is the first time I have been contacted about this debt. I also have a freeze on my credit since around XXXX and I have no collection on my credit report. I do not owe any debt that I have not paid. This collection agency failed to first write attempting to collect a debt letter. This collection agency failed to grant this consumer the opportunity to dispute the debt. This collection agency demanded payment whether or not this consumer in fact did owe this debt. I dispute owing the debt in question. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Alorica Inc.
State: NE

Complaint narrative:
I received a call from Global collections XXXX at XXXX at the end of XXXX in regards to trying to reach an XXXX XXXX. I advised the agency that this person was not allowed to have calls at work and I would not be able to take a message. She then became rude with me. I terminated the call. She immediately called back the same number. She then researched my personal info and repeatedly called my personal cell phone and my spouse 's personal cell phone. I called the company back was at first denied the ability to talk to a manager. I then called back and advised that would be filing a complaint and to stop all communications with my numbers including my cell phone and work number. I also advised again that XXXX was not able to have calls at work so they needed to remove the work numbers. On XXXX/XXXX/2016 I received another call from this company at the XXXX. If this is not addressed will be filing suit for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Financial Asset Management Systems Inc
State: AZ

Complaint narrative:
Debt collector presented bill from creditor that I have never had and bill included XXXX in interest have requested validation

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 2015-03-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
1. XX/XX/2015 (? ) I cancelled autopay for XX/XX/2015 and then asked about late fee and I was told there was a 13-day grace period before late fees would be posted. Rep 's actions and info had me breathe a sigh of relief and asked to speak with his supvsr to give him a compliment. 

2. XX/XX/2015 : Autopay went thru anyway. I called again rep stated that autopay had been cancelled but had not posted on their system yet so if it did not show a reversal on XXXX to call back on XX/XX/2015. 

3. XX/XX/2015 : Called, explained the entire situation AGAIN and this time was told could not reversed because it would put my acct into late status ( regardless of 13 day grace period ). Asked for supervisor and rep was on hold too too long attempting to get a supvsr, ( acc to bank policy ) and she would have to end the call. I was not allowed to hold any longer. 

4. Called again and THIS time I was told the cancellation had to have been two business days prior to scheduled autopay for it to be effective Spoke to supervisor who told me nothing could be done. Asked for HER supvsr and was told there was no one else who could help me. 

I was ( am ) having financial difficulties as it is, and NOW my checking acct with a different bank is overdrawn and will have to pay approximately XXXX in overdraft fees! 

AND prior to this, on XX/XX/2015 ( I think ) I was taking care of a pymt and when asked to verify my address they had an address in a city and state where I have never been in my life. They said they made the correction but just in case I called again and they still had the wrong address. So far now, I think, my address is correct again. I am still waiting for an answer as to how and why this happened. Because of the wrong address, I did not receive a stmt and the reason I had to cancel the autopay to begin with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a promo in mail from Citibank to open a citi gold account make two bill-pays every month for 2 months and i will receive XXXX citi thank you points. 
after 3 months i received the points but before i had a chance to use them they closed my account and removed the points

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 2016-05-20 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I opened up a Macy 's Credit Card, and charged something. I paid the bill within the first cycle. But for some reason Macy 's has not credited my account correctly and the are harassing me with 'non-payment '. I faxed the proof that it was paid 4 times to the fax number they gave 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 monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I have a citibank account for XXXX XXXX credit card. The issue I had with them was the fact that I called to make a payment over the phone and to get the account in good standing with a payment plan of some sort as i was behind by XXXX or XXXX dollars, did not make full payment XXXX months. Well they offered me a XXXX dollar a month plan fori beleive 42 months, I agreed and make a XXXX dollar payment that day, the next month i made XXXX payment on the XX/XX/XXXX. The third month i made a XXXX payment on XX/XX/XXXX and was going to pay XXXX on the XX/XX/XXXX -- -payment not late till after the XX/XX/XXXX but when i went to log on to pay i could not logon so i called and they said account was sent to collection company. I asked them about the agreement and they said there was no agreement, and asked do i have it in writing. I told them they never sent paperwork but i gave them the date i called and asked could they not pull notes or andthing from that day i called, and they said no, so I am fixing to add them to a Consumer Credit Counseling Servce program I am currently in and i wanted to make sure they at least agree to terms with that program since they did not honor their agreement at first.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
About 10 years ago I established a home equity line through Citibank. To get a reduced interest rate I linked a Citibank checking account to the line of equity. There were no service charges to be incurred for the checking account. Around XXXX 2016 the bank started taking out {$30.00} for monthly service charge. It took a lot of time and effort, but eventually the bank reversed six months worth of the service charges. However, they refused to give me back the {$30.00} that have been charged in the months previously. They had failed to send me my bank statements except you in the mail. They did send me my line of equity statements in the mail. I am requesting that the CFBP tell Citibank to give me back the {$30.00} for each month it was taken out of my checking account. I am thanking you in advance for your efforts on my behalf. XXXX XXXX XXXX and 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 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have tried several times to get Citibank to correct the errors in how they are reporting my mortgage. This loan was forgiven XX/XX/XXXX when the house was short sold. Yet they keep reporting several delq. as recent as XX/XX/XXXX. I am attaching the XXXX showing forgiveness of the loan XX/XX/XXXX and a copy of my credit report showing how it is reporting to my credit bureaus. They are destroying my credit and after disputing directly with them and the credit bureaus I have gotten no where. Please, please step in and make them remove this item all together from my credit report. Fixing it now is n't acceptable as they have reported it wrong for years and they should error in my favor as they have cost me thousands of dollars in extra interest fees by dropping my credit scores by XXXX points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK CAPITAL FUNDING CORP
State: FL

Complaint narrative:
I receive a notice that my credit was pulled by Network Capital today through Equifax Mortgage. I did not authorize Network Capital to pull my credit. I applied for a loan with them and they told me that they could net help me. I applied with another company and I am closing on my loan in a week. They pulled my credit report on XX/XX/2017 without my authorization and brought my score down by XXXX points. I already contacted XXXX because I have an active fraud alert. Please enforce and stop that company from pulling people 's credit report without their authorization. I read online that they are a repeat offender. I did not authorize and will never authorize them to pull my report. Never.

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