vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I paid off my American Express card and was then charged a {$2.00} fee on my {$0.00} balance. It 's listed as a " minimum interest charge ''. I do not remember agreeing to pay this. It makes no sense.

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 2017-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid off the balance on the mortgage with CitiMortgage , Inc. on XX/XX/2016. I later found out that they overcharged {$2900.00}. When I complained, they only refunded {$1800.00} with a {$1000.00} remaining. I 've called and written three time, but they are not responding to my complaints of the balance due back to 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 2015-04-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
HAVE SEARS/CITI MASTERCARD. JUST SPENT AN HOUR + TRYING TO ACCESS CARD TO MAKE PAYMENT AFTER EMAIL OF AMOUNT DUE. ENTERED AND RE-ENTERED ALL INFO ASKED BUT ACCESS NOT ALLOWED AS ACOUNT NOT RECOGNIZED. THEN BY PHONE PAID ACCOUNT AND WAS ASSISTED IN TRYING TO ACCESS ACCOUNT. SPENT ANOTHER HOUR DOING THAT AND TOLD TO TRY AGAIN IN 2 HOURS OR SO. I LIKE SEARS BUT FIND IMPOSSIBLE TO USE INTERNET TO DO BUSINESS WITH SEARS VIA MC SEARS/CITI CREDIT CARD. AT AGE XXXX, TIME IS MOST PRECIOUS ASSET. THANKS FOR YOUR ASSISTANCE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Reason for Contact : We used the CareCredit card to pay for a dentist appointment. We were told that we had to pay a monthly fee until we pay off the whole account. We did n't have a limit or anything like that. After we paid almost a XXXX dollars from the monthly fees, they charged us with an interest fee with a {$1.00}, XXXX when we were told there was no interest and all we had to do with was pay our monthly fee to pay it off. That 's unfair and an act of theft. I work hard for my money for them and I paid my monthly fees on time for them to try and do that.

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 2015-05-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kross, Lieberman & Stone, Inc.
State: NC

Complaint narrative:
Debt was paid by XXXX XXXX ( primary ) and XXXX ( XXXX ) when billed. Then payment was retracted because I went on XXXX during this period and advised the doctors office of the change, but they failed to make changes in their records that my primary insurance switched to XXXX and XXXX was XXXX. The doctors office submitted the claims after XXXX year of the dated service and the insurance companies refused payment. This was the doctors office fault, not mine. they sold the account to KLS collection agency. 
When I informed Kross, Liebrman and Stone that I refuse to pay a debt that was over three years old according to NC general statute about debts not collectable they viciously set out to ruin my credit and cause me great financial greef because they new I was right and this was there way getting even with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I got divorced in XXXX. Trying to get my name off of my second mortgage without forcing the ex husband to refinance because it would make it to where he could n't afford the house. I have been requesting a release of liability from CitiMortgage since XXXX XXXX, XXXX. I have spent over 20 hours on hold. Been transferred from XXXX department to another and been told conflicting information concerning the release and an assumption. According the federal XXXX XXXX XXXX XXXX XXXX of XXXX a refinance ca n't be forced on XXXX spouse due to a divorce. I believe CitiMortgage should let him assume full responsibility for the mortgage and provide a release of liability to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ZENCO COLLECTION, LLC
State: AL

Complaint narrative:
I received a message from XXXX XXXX on XXXX/XXXX/XXXX from XXXX ext XXXX regarding case # XXXX, which he stated was regarding a legal matter attached to my social security number. Upon returning his phone call, He stated the last XXXX numbers of my social security number and I was told he was attempting to collect a debt for XXXX XXXX XXXX from XX/XX/XXXX and he wanted to know if I could resolve the account today. I told him I was not aware of what he was talking about and he said he needed to transfer me to the legal department. At no time did he identify the name of the company or what type of company it was. I was transferred to the legal department to speak to another man who did not identify himself, the name of the company, or the type of company it was. He stated my full social security number and stated that XXXX XXXX XXXX had been audited and that my social security number came up owing a debt from XX/XX/XXXX that was defaulted on in XX/XX/XXXX. I informed him that his information was incorrect because that debt was defaulted in XXXX and included in a bankruptcy in XX/XX/XXXX, which was discharged in XX/XX/XXXX. He then became hostile and stated that I had my facts wrong and that he intended to have a judgement filed against me to have my wages garnished and that I needed to hire an attorney and then hung up on me. I called back and XXXX XXXX answered again. I attempted to notify him that I would be hiring an attorney and he stated he needed to transfer me to the legal department. Upon being transferred, an unidentified man answered and said " Thank you for providing that information '' and again hung up on me. Concerned that this might be an attempt at identity theft or fraud, I called back and again XXXX XXXX answered. I asked the name of the company, which he stated was " Zenco. '' When I asked what type of company this was, he said he would have to transfer me to the legal department. I was placed on hold, and after some time, was transferred to voicemail. I left a message to notify the company that I would be reporting the company to the FBI as a possible scam and a fraud and that I would also be hiring an attorney.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Macy 's withdrew $ XXXX from my Bank account without authorization. While they refunded the money, I want them to refund associated interest for as many days to all impacted cardmembers. 
Also, they debited my credit card on XXXX for {$430.00} ... WHY? First you take a payment on XXXX on a zero balance and then DEBIT my card on XXXX again!! Why should I pay criminals like XXXX and Macy 's for what did not need any payment??? Refund me all such debited amounts back to the card as well as credit my Bank back on any unauthorized, criminal withdrawals. 
Macys and Citi also changed the credit card site SO MUCH that I can not even download my statement or even see my account details properly, they also undid all my autopay so that they could have me go late!!! I had called the customer reps who also could n't be too much help. Shameful, ignorant and simply criminal!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
To Whom it may concern, Dear Sir/Madam, I am sending the this complaint for Citibank not honoring the Citigold promotion offer on which Citibank would post XXXX XXXX miles to applicant 's account after finishing the related requirements. 
I opened Citigold checking package around XXXX XXXX and fulfilled all the requirements around XXXX XXXX. The online chat customer service at that time confirmed I had finished all the requirements and would receive the bonus miles after 90 days as terms required. 
On XX/XX/XXXX, I sent a security message since I did n't receive the miles on time. The reply from the message is shown below : " I can confirm the AAdvantage miles have been processed to your account. However, be advised it may take an additional 30 days for the miles to post to your AAdvantage member account. '' Please find the attachment for details. 
Then I had been patient and waited another 2 months until XX/XX/XXXX since I trusted Citibank would honor the terms and what the customer service promised. 
On XX/XX/XXXX, I sent another security message to check my bonus miles status since it had been such a long time and it is not posted yet. Then the security message customer service this time stated that I was not targeted and would not receive the promotion miles. Later on XX/XX/XXXX, Citibank stated they would file an investigation while I do n't receive any response until now.

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 2016-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
At the time I purchased the Condo my old last name was XXXX ( I am now married thus my last name is now XXXX ) I purchased a Condo and it is being financed by Citi Mortgage. For many years I was able to maintain on time payments for the Condo as well as the HOA fees. Years afterwards I found myself in a financial hardship due to family issues, I hurt my back and had to miss work and a change of job which had a lower salary. I notified CitiMortgage for a loan modification. After many years and an excessively amount of paperwork they lowered my loan less than a XXXX This was gave me no more relief because I was no longer making the money I had presently been making. So after a year I submitted for another Loan modification, but to no avail. So after much consideration I decided to put it in for a Short Sale. I contacted a XXXX representative named XXXX XXXX and her firm along with XXXX XXXX attempted several times to show and get a buyer for the Condo. At least 3 times we had contracts in and after Citi Mortgage continued to drag there feet and prolong the process each one of the buyers backed out of the contracts. After discussing our other option with our Realtor she informed us that we should contact Citi Mortgage and attempt to get the necessary paperwork to try to do a Deed in Lieu. After many failed attempts to resolve getting rid of the Condo because we can no longer afford this property we are reaching out to you with hopes you can get in contact with them and get us the necessary relief and paperwork to start the process of the Deed in XXXX. Thank you in advance for all your assistance in this extremely urgent and important matter. Also financially we are also now taking care of our XXXX grandkids so we just can not afford the Condo and are trying to save face and just get rid of the Condo respectfully. We do not want to go through a foreclosure so after discussing our legal options we feel this would be best for both parties involved.

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 2015-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I made an extra payment to my mortgage servicer, Green Tree Servicing, on XXXX/XXXX/15. Green Tree applied the correct amount to my current payment, but they did not apply the extra amount, totaling {$360.00}, to reducing the principal. They are essentially sitting on the money, doing nothing with it. I submitted an online inquiry to Green Tree, but only received an automated reply stating that they would get back to me within XXXX days. I also called Green Tree 's customer help line today. I explained the situation to the operator, and she assured me that she would have the {$360.00} applied to reducing the principal. However upon checking the account online this evening, I see that nothing has changed. 

Note that Green Tree 's web site states : " You have two ways to pay additional toward your principal. One, you can choose biweekly payments to pay down your home loan faster. XXXX, even if you choose monthly payments, you can pay extra any month. If we receive a payment larger than the amount due, we apply the additional amount first to any outstanding fees and then to your principal balance. '' However, the operator I spoke with today stated that Green Tree does NOT automatically apply extra funds to reducing principal. 

I see that CFPB and the FTC have fined Green Tree for illegal and unethical practices XXXX. Green Tree acquired my mortgage, which is in good standing with zero late payments in its XXXX year life, from a reputable lender. Green Tree has been difficult to deal with from Day 1. I urge the CFPB and FTC to use your power to steer other lenders, as well as XXXX XXXX and XXXX, away from doing business with this shady operation ( pun intended ). 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
On Saturday, XXXX/XXXX/16, I received a from Ditech Financial stating that my XXXX 2016 mortgage payment was not received. The letter further went on to state that late fees would be charged as a result. I contacted Ditech customer service on Tuesday, XXXX/XXXX/2016 to learn more about Ditech 's assertion that the payment was not recieved. I explained that my payment was made online with XXXX XXXX XXXX bill pay system. My statement was documenting that the payment was processed to Ditech on Thursday, XXXX/XXXX/2016. The customer service representative and subsequent supervisor requested that I fax a copy of my recent statement to them. I faxed my statement on Friday, XXXX/XXXX/2016. I called to follow up with Ditech the first week of XXXX. The customer service representative stated that the disputed was sent on to investigations. I had provided customer service and the supervisor with my contact information in my initial call and in the subsequent call. Having received no contact initiated by Ditech, I called to follow up as to whether my payment had been located. My XXXX 2016 payment to Ditech was sent and documented processing during this time. I then recieved a letter stating that my XXXX payment was not received. I contact Ditech customer service and was told I needed to provide a visual image of the processed payment. I asked how one accesses visual documentation of an electronic payment and the customer service representative suggested I contact my bank. On XXXX/XXXX/2016 I enlisted the assistance of XXXX XXXX of XXXX XXXX XXXX to help research my payments. She reports that XXXX XXXX XXXX central processing verified the payments to XXXX XXXX on behalf of DiTech on XXXX/XXXX/2016. As of this submission, Ditech has failed to contact me to confirm resolution of this issue. Resource staff contact information fails to access staff. Front line service representatives are unable to confirm resolution. 
At this time I am seeking assistance to resolve this payment dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
The Ditech company keeps sending me a collection notice on property that I have never owned or had loans on this property. They say I have a loan from this company when i do n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Innovis
State: FL

Complaint narrative:
Ive been writing and mailing INNOVIS to remove erroneous information off my credit report, however, they are refusing to properly investigate my proof and correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: WV

Complaint narrative:
I have received a letter from XXXX about Green Tree Servicing. I am responding by saying I have never received a check in the mail.I have called and spoke to someone about it. Maybe I 'm not at the right website but I would like to make a complaint about them. I understand that times I have been late and my credit is not that good but they have harassed me for years with nasty threatening phone calls. My account is always messed up causing lots of late charges. I have tried to make arrangements to correct my account unsuccessfully.Thank you for bringing this out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I then sent copies of XXXX legal affidavits, the XXXX County Deeds Office letter response, and a letter informing DEBT RECOVERY SOLUTIONS the following : I do n't know anything about this debt please send to the Original Creditor. The Account/Debt was established without my knowledge. 
As Resolution of this complaint, I ask that DEBT RECOVERY SOLUTIONS stop all current and future correspondence with me and their company be erased from my current credit report. 

COMPLAINTS XXXX On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account DEBT RECOVERY SOLUTIONS via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with DEBT RECOVERY SOLUTIONS, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. 
On XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX County, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with DEBT RECOVERY SOLUTIONS, ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing DEBT RECOVERY SOLUTIONS the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that DEBT RECOVERY SOLUTIONS stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I had a GREENTREE mobile home mortgage.Husband mentioned there had been a computer glitch and not to worry. when husband died in XXXX 2009 I called when death certificate came back and loan was supposedly changed to my name, and was once again assured my payments were right on track. DITECH TOOK OVER AS LAST PMT OF A 15 YR LOAN WAS DUE BY AUTOMATIC WITHDRAWAL. see documentation. letters not signed, when robocalls and calls from diferent collection agencies began I sent another letter and yet calls continue from various numbers only telling me I need to call another number.Default letter also came to me AND another to my dead husband last week. PLEASE NOTE NONE OF THE CORRESPONDENCE IS SIGNED WHEN I GOT DOCUMENTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Lincoln Financial Services
State: CA

Complaint narrative:
My vehicle was financed with Lincoln Financial Services. My payment was 31 days late and they repossessed the the vehicle. I made several attempts to get the vehicle back and the VP stated she did not have time to talk with me and that I would have to wait for her schedule to open up to speak with me. I strongly urged her to address the issue with me on the phone and she hung up on me while stating she did n't have time. When I called back and asked for her supervisor her staff advised me she was the owner of the company and I was not able to speak with anyone else regarding the situation. So at this point, not only am I not able to get my car back, but her staff has also lied and stated she holds a title that is completely false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation