vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
Navient hired Financial Asset Management Systems ( " FAMS '' ) to collect on a student loan. I called FAMS on XXXX XXXX, 2016, to offer a settlement agreement on the debt of {$430.00} per month beginning on XXXX XXXX, 2016, for 24 months for a total settlement on the loans of {$10000.00}. XXXX had previously offered a settlement of $ XXXX FAMS agent stated that they could n't help me for some reason. They said they could n't pull up my account and that they could n't help me, even though I 've been making payments for th past 14 months to FAMS of {$250.00} per month. I recorded the phone call of the agent stating that they could n't help me. I have no idea why FAMS could n't help me because they have been taking my payments for the past 14 months. I called to offer the settlement, but unfortunately FAMS was playing hardball, and the agent was misrepresenting that they could n't help which is a flagrant violation of the Fair Debt Collections Practices Act.

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 2016-02-04 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In early XXXX my family had a health crisis so my credit utilization spiked. Twice in XXXX XXXX raised my credit limit and my home depot credit card raised it once because of the falling utilization ratios. In XXXX XXXX, XXXX I made a {$2000.00} payment to my Citi Simplicity card. Then a few weeks later I did a cash advance and on XXXX XXXX i made a {$500.00} payment. The card was below 50 % Utilization. Then on XXXX XXXX they sent me a notice that my debt levels are too high and for this they are cutting my limit in half to {$1700.00} which put my utilization at close to 100 %. By XXXX XXXX I had payed {$12000.00} dollars worth of debt back to my XXXX credit cards and a personal loan that was taken out. My credit score then was above XXXX. Now because of the cut in the card it is now in the high XXXX 's. As a result my auto insurance which is based off of credit went up {$100.00} despite having a perfect driving record. This also disqualifies me from purchasing a home as the minimum is XXXX credit score. The attached documentation shows that XXXX XXXX raised my limit and the other documents show why and when Citi lowered my limit. I do not understand why XXXX credit card will raise my limit twice in one year but XXXX will cut it after I pay it down to 50 %. They have to know that this hurts your credit rating. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
After reviewing my recent credit card statements, I found out that Citibank has charged me 25.49 % interest rate on the credit card I have with Sears. As I know Citibank corporate office located in the state of SD and maximum interest rate allowed in that state is 15 %. I imagine how many people were charged without knowing it 's illegal.

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 2016-09-21 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
XXXX used to have an arrangement with XXXX that allowed customers to use an XXXX card to charge purchases and act as their membership card. In 2016, they changed that relationship to Citi and now use their XXXX card. 
However, in doing so, they somehow instructed Citi to issue me a credit card in my name. I neither asked for nor applied for a XXXX card with Citi, but XXXX showed up in my mailbox. Since I already have a XXXX, I destroyed the new card. About 6 weeks later, I got a call from Citi demanding that I pay my past-due bill. Having never used their card, nor having received any statements from Citi, I asked how I could owe them money. They explained that Costco had transferred my XXXX balance to Citi, and that was the past due amount that they were calling about. They emailed me a copy of the bill and I paid it immediately, and instructed them to cancel the card that had already been destroyed. 
On XXXX/XXXX/16 I received another bill from Citi with a {$110.00} balance. That balance was a result of Costco charging " my '' XXXX for their membership fee. I was surprised that Costco could create a credit card for me, transfer other balances to that card, and then add their own charge to it without so much as a nod from me, the person whose credit is affected by these actions. 
I am not an expert on consumer protection, but this seems like such an overreach that there should be a law against it. If there is not, I assure you that I will speak with my XXXX members about passing 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 2016-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have an international account at Citibank which I 'd have since XX/XX/XXXX. They have blocked the account so that I have no access to my funds, no way to write a check nor receive my social security and pension payments. The reason for the block is that I would not answer the questions below. When I told the account representative I felt they were too personal, I requested her to make the account a non-international account. She was going to check with her supervisor and get back to me. She did not get back to me, but blocked the accounts on XX/XX/XXXX with no notice not an email or phone call ; both checking and savings accounts. 

o I believe the questions being asked are unreasonable for a customer of 23 years which has not had an usual activity and who has had my salary directly deposited for the full time. There is a growing concern about identity thief. This level of detail is unnecessary for a savings and checking account. 
o I should have been notified by a phone call. This is a serious matter. Checks that have been written have been rejected. This is going to reflect on my credit score which I 've been very careful to maintain at a high level. 
o Social security requires three months ' notice for a change in direct deposit. I will miss these payments until XX/XX/XXXX. I am also missing my pension and annual company bonus as well. 
o I have spent endless hours trying to get to the right people to resolve this issue. I will be happy to supply all the information and who was contacted. A resolution of this is critical. 
The questions are below : In order to complete the account review, we need the below information for both signer : 1 ) Employer name, position, current total compensation including bonus, how long have been working with the company and what was the total compensation for the past 10 years 2 ) Cash balance in USA, Cash balance offshore ( if any ) 3 ) Any investment portfolio, if yes, is it in USA or offshore, what year was the investment started, what was the initial investment amount and current portfolio value, what was the average income for the past 10 years 4 ) Any real estate, it yes, please provide below information for each real estate : - Location, USA or offshore - Purchase year - Purchase price - Any mortgage when purchase? If yes, what was the mortgage - XX/XX/XXXX market value - XX/XX/XXXX remaining mortgage 5 ) Current ID copy, it could be a passport copy or driver license copy

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 2017-01-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Liberty Home Equity Solutions, Inc.
State: MD

Complaint narrative:
My sister-in-law XXXX XXXX had a reverse mortgage with Liberty HE Solutions. She passed way on XX/XX/2016 and had {$31000.00} in her line of credit ; on XX/XX/2016 she sent a request to have the those monies transferred to her checking account. Liberty has refused to send the money because she had passed before the transfer took effect. They told us that taxes were owed and the Executor of her Will, XXXX XXXX ( son ) said that was fine, pay the taxes and send the remaining. I had prior approval to communicate with Liberty and called Liberty numerous times to ask for release and was bounced around by a supervisor, XXXX XXXX, with no satisfaction or a written decision other than saying this was unusual. The money was needed to pay for her funeral and other expenses.

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 2016-12-10 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have had an XXXX XXXX card for years used as a membership card for Costco. Costco switched to Citibank for their membership. Citibank opened an unsolicited credit card in my name and sent it to me. The instructions said to activate it to authorize it. I chose not to activate it. A month lateer I got a bill from Citibank for the renewal of Costco. ' In order to settle with Citibank, first they asked to verify my personal information. After that, they said they could not cancel the card. I would have to go to Costco, and that I owed Citibank for the fee. I finally annoyed Citibank through XXXX and they decided they could cancel the card after all and reverse the charges. I want to know who gave them the personal info, Social Security, DOB etc. I never authorized this to Citibank. I want to know what actions I can take against Citibank and whomever gave them my information. I tried to resolve this through Costco, but they never responded.

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 2016-10-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I filed for bankruptcy and it was resolved XX/XX/2016. Citi Mortgage refuses to take my name off of the house. I called and spoke with several people pertaining to this matter and was given the run around. Several of the employees refused to give me Citi Mortgage bank information so I may contact them and have my name taken off the property. I 've called them several times to let them know that the house was surrendered back to Citi Mortgage. XX/XX/2016 I spoke with XXXX who told me the foreclosure processes for my house should be over within 5 months ( XX/XX/2016 ) and that 's not happened. I 'm still receiving letters from Citi Mortgage with information that I did not request. What I request they refused to give me. They refused to help me with anything I asked for.

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 2015-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
BEWARE CITIBANK! Three days before the loan closing I learned that Citibank had increased the interest rate on my refi loan without my knowledge or consent. The XXXX Loan Application, the Truth in Lending Disclosure Statement, Citibank 's letter locking in the rate, the Good Faith Estimate and many discussions and notes based on discussions with the loan officer specified 3.75 %. When the closing department phoned three days before it was to close, I learned that it had been increased to 3.875 %. My personal financial circumstances required me to go through with the loan. I am a single XXXX-year old homeowner woman. I doubt they expected me to know the cost of that very slight increase in interest rate would cost me over almost {$8000.00} over the 30 year loan period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Fidelity Information Corp, on behalf of original creditor, " XXXX XXXX and XXXX XXXX XXXX, '' is attempting to collect a debt for which I was never contractually obligated. This debt, resulting from unpaid obligations to rental property management, should only be assigned to the contracted lessee, my father. At the time, I was a dependent of my father ; he was my sole source of housing and financial support, as I was an unemployed full-time college student. Although I was likely listed as an occupant on my father 's rental agreement, I never signed a lease, and never agreed to pay any portion of the rent. The collection agency, Fidelity Information Corporation, has been unable to provide me with adequate proof of this debt, and has been unable to prove that I was contractually obligated to repay this debt resulting from a contract that my father signed while I was listed as his dependent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I 've been having continuing problems with calling the Sears mastercard for making a payment. The goal appears to be to cause me to fail to make a payment so that they can charge me a late fee. Well it happened. On XX/XX/XXXX, I called to make a payment ( {$340.00} ). It would n't ask me for my account number and when it asked me if I wanted to make the payment with this routing number and that account number it used my routing number for my account number. I called them and complained and they said there was something wrong with their system and wanted me to give them my routing number and account number, I refused fearing credit card fraud - I normally only give those numbers when using an automated system. I told them I 'm tired of Sears making it so difficult for me to make payments and that I would write the CFPB and complian. The call ends. I call the automated system to see if I would be able to make a payment. This time it asks for my account number. Nearly every day, I check my checking account to see if the money was taken. On XX/XX/XXXX or XX/XX/XXXX I called Sears Mastercard to see what the automated system would say my balance is and it said thanks for my payment of {$340.00} and that there was no payment due. On Friday ( XXXX XXXX ) the money ( {$340.00} ) still was n't taken from my checking account. 

I call the company ( Sears Mastercard ) and I 'm routed to Citibank for collections. They say I 'm 4 days past due and that there 's a {$29.00} late fee. I complain that Sears is intentionally not taking my money in order to collect {$29.00} without providing any product or service. They deny it and say I eneterd the " check '' numbers incorrectly when I call to make a payment. They have it set up in order to create as much work as possible for their credit card holders - they wo n't accept payment by debit card. Paying by debit card you can see nearly instantly if the money was taken. Paying by routing/account numbers it can take as long as 5 days for the money to be taken, easily taking people past their due date - easily creating {$29.00} late fee for sears for providing no service and no product. 

They hang up. I call again, make the same accusation. I told them to remove the late fee or I would close the account. They ( employee XXXX ) said they would remove the {$29.00} late fee and I have to give the person ( XXXX ) my routing / account numbers. So I assume i was n't charged {$29.00}, what will happen next month may be different. But at this time I 'm more concerned about this happening again. 

I want to be able to pay by debit card so I can see right away that they took the money, otherwise I want to close the account. And I need help finding a credit card where I can pay by debit card. I looked online but such information is not organized. 

Thanks, 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 monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XXXX I purchased a window from XXXX 's using my Macy 's American Express credit card. 
My window was damaged soon after install. I wanted to use my XXXX credit cards Purchase Protection. 
I contacted Macy 's whom said the card is an Premier Classic XXXX card but only has travel protection. 
All XXXX Premier cards have Purchase Protection. 
This card was issued by Department Stores National Bank ( Citi group/bank ) DSNB. 
I was lied to. 
This is not an XXXX card, and does not have the XXXX Protections. 
I would be open to a class action lawsuit against these companies for deceptive practices and the money I am out of pocket for using their card rather than a Visa XXXX which does have the protections no matter the issuer. 
I am not happy about being deceived into a worthless bank card with an XXXX logo affixed to its front. 
I am not happy with Macy 's for saying its an " Macy 's American Express '' credit card. 
This site shows the advertised premier XXXX card from Macy 's with list of protections : XXXX Protections listed include " PURCHASE PROTECTION '' as this a CO-BRANDED credit card. 
Macy 's is lying, as is DSNB, about its cards and protections. 
Thank you, 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 2015-12-27 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Was charged {$590.00} on XXXX XXXX, 2015 for no reason by XXXX. I contacted them many times about this strange charge and was told many times that this would be taken care of. Received a recent statement stating that I still owe this amount. I 'm afraid of not paying because it will ruin my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Disputed a late fee due to no mailed statement received in XXXX of 2015. In early XXXX I requested a statement on there web site so I could pay my bill, I did not receive XXXX by mail. The statement was received electronically which I was not aware of and do not remember setting such a thing up or did it by mistake. I paid my bill as soon as I found out it was late less the {$25.00} late fee which at that time I placed a call and asked that the fee be disputed. They have since attached XXXX additional late fees and have attached a credit report " black mark ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I submitted a payment through the credit card website. The credit card already had all my checking account and routing information saved, since I have made payments in the past with no issue. I bank with a large national bank and I know none of my account information has changed. My payment due date was XXXX/XXXX/2015 and I made my payment on XXXX/XXXX/2015. If I did not religiously check my checking account and see the payment was not posted, I would not have known that there was a problem. I contacted my financial institution ( not the credit card company ) and they stated they did not receive any debit requests on my account. So I know it was not my bank, but the credit card company that was having the issue. I did not receive any communication or notification that there was a problem with the payment. So not only was I not notified that there was a problem with the payment, but the credit card company charged me a fee for a returned payment. This credit is a Macy 's Credit Card issued by Department Stores National Bank. I submitted XXXX inquiries through their " preferred '' communication channel. The XXXX inquiry was submitted four days ago and I have received a response. The XXXX inquiry was submitted 24 hours ago, again no response. I feel that this is a deceptive and abusive practice on the part of Department Stores National Bank ( Macys ). This is blatant attempt to increase fee revenue on a customer that pays their bill in full and on time. I could understand if I entered the information incorrectly ; however, this is not my first time making the payment through their website debiting my checking account. All previous payments posted without an issue. And the lack of any communication/notification means they are trying the hide the fact that they made an error and charged the customer a fee. Typically, people will only check their account when the statement is generated. By then, most individuals are accepting of the fees and do not realize that they were also charged interest on the unpaid balance. This is Department Stores National Bank 's greed coming into play.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have received 11 calls from Citi Bank on my cell phone asking me to call them. I call and I am asked my account number. I do not have an account with Citi Bank. I had several managers of Citibank research by the last 4 digits of my social security number and they find no records connecting me with Citibank. I have spoken with 4 different managers who said they would stop these calls. They continue. I have a high credit score, am a lawyer and I am stumped on how to stop this harrassment. Can you help me? They cal from XXXX and XXXX. I am directed to call them at XXXX, and then they ask me for my account number. Every day I tell them I do not have an account number.

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