vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
I have been attempting to get my loan modified since XX/XX/XXXX without prevail. I had a prior modification which I defaulted on due to a job change. I informed Nationstar that I would make the back payments to catch up and requested the amount due. Within 3 days I called back to make the payment and they informed me at that point that I owed an additional {$2000.00} because they added attorney fees. I asked how they added attorney fees within 2 days of my request for the payment amount. They then refused to take my payment. I requested proof that the attorney had been paid {$2000.00} in that time frame mailed to me. I have not received any paper work in regard to that request. I applied for a modification shortly after that to try to catch the payments up. I have been declined for numerous reasons yet I have not received any sort of denial paperwork in the mail. I made a complaint with Nationstar and a rep contacted me. I informed him of some of the issues and basically informed me that I have no option beside foreclosure. I asked why and he stated my modification failed for numerour reasons. I requested all prior modification denials and copies of the prior modifications mailed or emailed to me. To date I still have not received copies of everything I have requested. I received documentation that the house will be in foreclosure so I started looking into deed in lieu of foreclosure and also had put my home up for sale for about 8 moths and the home was only viewed twice. The mortgage on the property is higher than when I bought it in XX/XX/XXXX and the property value is about $ XXXX making it impossible to sell the home. I would like copies of all the paper work including the first modification, second modification ( did n't know I even had a first XXXX ) and copies of every denial. I also want proof of the inspections that they have charges fees for monthly on the home and the attorney 's paid receipt showing the {$2000.00} that they demanded from me to be able to take my payment. I am suppose to have one contact and have several as well. One of they payments that were late was due to the XXXX not being able to make the payment when Nationstar acquired the loan as well. This has been an on going battle since they have acquired my mortgage, but further review of the paperwork from the courts show that XXXX XXXX is the person who holds the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Chase is illegally reporting an account of my ex-husbands that I was an authorized user on that was charged off. I am not nor was I ever financially responsible for this as a card holder. My credit is being ruined because of their failure in correctly reporting this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XXXX we were having problems paying the mortgage due to my daughters XXXX illness XXXX XXXX XXXX ). We fell behind in the house payments and in XXXX XXXX we worked with the mortgage company we modified the mortgage to add the XXXX late payments to the end of the loan. Sadly these were phone conversations instead of letter from the mortgage company. We do n't recall signing the documents and would not have signed them had we understood the bank lied and restarted the mortgage instead of the agreed phone conversations to add the payments to the end of the load. In XXXX XXXX we again fell 3 months behind in the mortgage due to my wife 's XXXX. The mortgage was turned over to new mortgage company. In XXXX XXXX the new/current lender stated that the XXXX modification restarted the mortgage instead of adding the late payments to the end of the mortgage. So the problem instead of paying off the mortgage at end of XXXX, we owe {$36000.00} and another 5 years on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Background : My property is scheduled for foreclosure sale on XXXX/XXXX/XXXX per communication from Chase. This said property was included in chapter XXXX BK XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. 

Issue : For XX/XX/XXXX interest payment ; I received a XXXX interest income. Please see attachment. 
How does previous BK ( where said property is listed ) be impacted by this XXXX? 
How is this going to be reported to the credit bureau? 
Can Chase XXXX a property in foreclosure process? Will I get a XXXX for XX/XX/XXXX when the foreclosure is complete?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northern Alliance Management, LLC
State: PA

Complaint narrative:
Company NAM continues to call my cell phone even though the debt is for the person who had my phone number prior to me. 

I have told them to stop calling and they continue to do so. When I call to tell them I am not the debtor, they hang up as quickly as possible to avoid having to remove my number. People are rude and threatening. Their Phone number is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had identify theft back in 2007 a citibank account was opened for me through my first job. The day before i got paid i lost my wallet with my information in there..i made a report about it to citibank but have n't gotten no help..then i opened a XXXX account so i can get my paycheck deposit there..but i guess the person that had my information from previous situation had gotten a hold of that account..and opened numerous bank accounts in my name and this destroy my credit to the point I ca n't open no bank accounts..i read online it takes 7 years to renew or able to open another bank account its been 10 years with my situation and i still ca n't open a bank account 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 2015-07-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I recently fell behind on my student loan payments with Citibank. When I was going to be one month behind, I had made proactive phone calls to tell them about my situation to come to a payment agreement, but no offers or assistance were offered to me. I was told to just make a payment when I could and to expect to receive phone calls until then. When I realized I was going to be two months behind, I called again to request a 60-day forbearance ( no payments for XX/XX/XXXX or XX/XX/2015 ), resuming payments in XX/XX/XXXX. I was approved, and the paperwork was sent to me. I faxed my application and received my confirmation. My confirmation stated the dates of my forbearance were for past dates and that my next payment was due in XX/XX/XXXX. 

Customer Service did nothing to help me. They told me that my forbearance started the day after my most recent complete payment, and that because my XX/XX/XXXX payment was behind at the time of the application, that 's when my forbearance period started. An Account Specialist told me I should have received disclosures explaining these terms. I did not receive these disclosures nor was this explained to me at the time I applied. 

I am extremely frustrated because I feel I had communicated my situation and was taken advantage of at a time I most needed help. Having been in such a dire financial situation, reaching out for help, and finding results that offer virtually no relief, the experience has felt predatory.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I got invalid interest charges every month although I made full last statement 's balances by the due dates. I have been charges interest since XXXX to XXXX and I contacted customer service many times via email, messages, phones but Citi kept saying it 's valid charges and gave me no more explanation. I still make full payments except the invalid interest charges until the issue is resolved. Customer service specialists were not helpful and they always told me to do sth to avoid charges, but I followed and still be charges appr {$65.00} each month just for interest on zero balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX took over management of XXXX XXXX credit cards. They instituted auto enrollment in credit protection and monthly minimum interest fees. Written notice of these changes was never received. Additionally, my account was suspended due to an overdue balance on the credit protection charge but they continued to charge monthly minimum interest fees on the account. 

Also, XXXX 's customer service for the account has no means of getting to a live person to cancel the account or any web based options to cancel.

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 2016-02-28 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi and thanks for your assistance- I went down to my bank ( Citibank ) to apply for a {$200.00} secured credit card- the bank person told me there would be no credit check. Today I received an alert from my XXXX ; looks like there was a credit report inquiry by CBNA obtained a copy of your XXXX Credit Report - Alert Type : New Inquiry Found On : XXXX XXXX, 2016- This was unauthorized by me! 
Please help!! 
XXXX XXXX in 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 2016-09-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a closed credit card account with CitiBank. I paid the remainder of the balance of {$790.00} on XXXX/XXXX/2016. I believed that the balance owed was cleared. Then I got a bill in the mail for {$8.00} for interest charged on XXXX/XXXX/16. I called to complain and the customer service rep that I owed interest on the balance because interest was still accruing until the day that I paid. I asked where on the bill does it say that I need to pay by " this date '' in order for the interest to stop accruing? I could n't get an answer. Credit card companies should make it clear you need to pay by a different date and not the payment due date. I asked to have the interest waived - they said " no ''. On the bill it says : " As a reminder, we charge interest on the account balance until we receive payment in full. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I tried to close the account and was left on hold for more than 20 minutes

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 2017-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Creditor is trying to take me to court for a debt, which was discharged in bankruptcy. Creditor was notified by my bankruptcy attorney of the bankruptcy.

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 2015-11-01 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC
State: FL

Complaint narrative:
So I was called by XXXX XXXX XXXX XXXX XXXX while I was at work and they would n't let me get off the phone I was told if I did n't talk to them then I would have to pay the full amount no settlement and it would n't be in good standings anymore. They offered me a settlement and said they needed a payment by the end of the month which was about 3 days away on Saturday. We negotiated a first payment and I asked if I could do {$50.00} I was told the minimum amount would have to be {$100.00} so I agreed reluctantly. I was told if I could n't pay it call a day ahead and cancel. I learned that I had to cancel so I called back a day before. This time I talked to someone new. This time I was told since I could n't do {$100.00} could I do {$50.00}? I was a little aggravated because I felt lied to but I let it go and agreed to be charged for {$50.00} to keep the settlement. The next day I was charged for {$100.00} anyway. I called and was very angry and I was told it must have been a glitch and they would put in a refund request that would take 3-4 business days but this is a big inconvenience because now I ca n't pay my car note on time. Later that same day they called me and said good news that the refund request went through they would cancel the {$100.00} and only charge me {$50.00} I said thank you and later on that night checked my account and I received no money back but was charged another {$50.00}. This is {$150.00} XXXX times the amount I told them to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank has not provided new checking account promotional bonus as promised. 

I have been a Citibank customer for 19 years and have been very satisfied with all products, services and customer response levels. The current issue is with the Citibank response to the CITIGOLD CHECKING PROMOTION XXXX XXXX XXXX BONUS - earned but never received. Fees for this account are {$30.00} per month. 

In XXXX XXXX Citibank was offering a promotion for opening a new CITIGOLD checking account. On XXXX/XXXX/XXXX I requested a confirmation via Secure Message that I was eligible for PROMOTION - CODE # XXXX - XXXX MILES. ( Message Reference XXXX ). Citibank responded on XXXX/XXXX/XXXX and confirmed that I was eligible for XXXX XXXX XXXX promotion and provided the requirements for earning the XXXX XXXX XXXX miles promotion. ( Message Reference XXXX XXXX XXXX XXXX ). On XXXX/XXXX/XXXX I opened the account and made an initial deposit. I then met all requirements completely as Citibank requested in their Secure Message Response of XXXX/XXXX/XXXX Ref. XXXX for earning the promotion. On XXXX/XXXX/XXXX I requested confirmation that I had met all requirements for earning the promotion XXXX XXXX miles and requested the timing of receiving the promotional miles. ( Message Reference XXXX ). On XXXX/XXXX/XXXX Citibank responded, stating that I had met all requirements in XXXX XXXX and that XXXX miles would post to my XXXX account by XXXX/XXXX/XXXX ( Message Reference XXXX XXXX XXXX ). On XXXX/XXXX/XXXX via SECURE CHAT, I requested an update since I had not received the promotional miles in my XXXX account. I was told an INVESTIGATION would be submitted ( Reference XXXX XXXX ). On XXXX/XXXX/XXXX via Secure Message I requested another status update ( Message Reference XXXX ). On XXXX/XXXX/XXXX Citibank responded that my investigation was being reviewed and that a request would be submitted for it to be expedited ( Message Reference XXXX XXXX XXXX ). On XXXX/XXXX/XXXX I again requested an update and stated that my next step would be to file CFPB complaint if Citibank did not resolve this issue. ( Message Reference XXXX ) On XXXX/XXXX/XXXX Citibank responded that the INVESTIGATION was still pending and had been expedited ( Message Reference XXXX XXXX XXXX ). On XXXX/XXXX/XXXX I again requested an update and requested that a manager from the executive department call me. ( Message Reference XXXX ) On XXXX/XXXX/XXXX Citibank responded that INVESTIGATION was still in processing. The issue is not resolved. On XXXX/XXXX/XXXX I submitted this CFPB complaint.

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 2015-09-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made a small purchase XX/XX/XXXX under Best Buy 's " 18 months free interest '' terms on my CitiCard administered account, with the intention of paying the account down to {$0.00} prior to the end of the grace period, as I had done on XXXX previous occasions. 

In keeping with the spirit CitiBank has demonstrated with its customers, which has led to the multiple complaints against them with your agency, they did not honor the terms of the Best Buy free interest offer. When I was delayed in making a payment due to unemployment, they imposed criminally usurious penalties on my account. Please see the handwritten notes on the attached statements of my attempts to resolve the matter in a fair, and legal, way. XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; undated ; XXXX. XXXX, XXXX. ) These were all rejected. 

I refuse to pay the ridiculous penalties imposed by CitiCard, which now add up to over 500 % of the actual principle balance due. For this they, and/or the collections agencies to whom they have sold my loan, have placed monthly negative notes with the Credit agencies, severely damaging my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hello : It has come to my attention that all or most of the credit card companies collaborated recently to start charging ridiculous late fee and interest charges on the balances, if the due date is on the weekends, when all financial institutions including the credit card companies are closed for business transactions. 
Therefore I would like the CFPB to send a memorandum out to stop this unlawful practice by the credit card companies. Why should their customers send XXXX dollars to them one or two days ahead of the due dates instead of them waiting for the next business day to receive the amounts? 
Your advise and action would be highly appreciated. 
Thanks,

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 2016-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX, Texas XXXX. I have been in a pre-loan modification status with XXXX Mortgage for approximately two years with No resolution. My account number is # XXXX. I have been transferred to XXXX different representatives over this time period. My home has been in pre-foreclosure status twice. I have not been able to make payments on the account because of the modification process. Citi-Mortgage representatives have constantly requested and have received documents from me but has not made a decision on whether the modification has been approved or disapproved. On several different occasions I was informed that my file was with the underwriter only to XXXX that the underwriter did not have my file in review at anytime. I am sending this complaint requesting assistance with this situation. My home is my primary residence and I do desire to keep it. Thank you in advance for your assistance in this matter.

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 2015-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have my home loan with Citi mirtgae since XX/XX/XXXX my house has been worth less ans less every year since then at one point about half its original value. I have made all my payments on time and never missed a mortgage payment. They adjusted my rate XX/XX/XXXX to a lower fixed rate but my house is still under water. Im thinking qbout walking away drom my loan.

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