vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have made several attempts to notify this company as well as the original creditor that I have paid this debt and advised apartment employees at the time of when this would be paid. It has been 2 years and I reviewed my credit report and became aware of the balance on the account and my account being placed in collections. I have requested a copy of my lease from XXXX ( XXXX ) because of Identity Theft and a broken lease that was placed on my credit at the time I lived there, I have not received it nor has there been any correspondence. I have called several times over several months to address the lease, and after being made aware of the balance I am being accused of owing I have attempted to get this resolved and have not heard anything back. I have attempted to contact corporate, XXXX XXXX, the collection agency Hunter Warfield, now here I am. This debt was paid XX/XX/2015 and was roughly {$1400.00}. I am really tired of all of the false promises that have been made with hopes that I would be assisted, and have not been.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
On XXXX ( approx ) I received a modification approval from Ocwen for our mortgage. On XX/XX/XXXX ( see attached proof ) we sent this in to them via email as requested. Also that same day I spoke to them and made my XXXX payment so that it would not be late due to the bank holiday. On XX/XX/XXXX we made our second payment and I was lead to believe all was ok. We never received notice that they did not have the paperwork nor were we led to believe that there was any issue. On XX/XX/XXXX I received my scheduled call from our Relationship Manager and at this time he tells me that our mod was cancelled because they did not have the paperwork.I confirmed this with a email. I then informed him that we sent in in on XX/XX/XXXX and at that time he confirmed it and told me that he would have it all straightened out and we would receive the final docs to sign in XXXX days. I gave it till XX/XX/XXXX and still nothing from them, so I called again, and again told everything is ok, they are working to get it resolved give it XXXX more days. So again I wait for the paperwork and again nothing, call them again on XXXX. This time told its still in review and nothing has been done. I will get a call by the end of the day. No call but I get an email stating that the denial was reversed, but they are still reviewing to see if they can give me a mod. I dont understand, because the mod was done and approved, but they screwed it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I leased auto from GMAC back in XXXX for about XXXX year lease. I lost my job and was unable to continue making payments. GMAC took me to court and repossessed the vehicle. They are continuing to report this account after the passed XXXX year limitation. They seem to modify the date of this account to prolong this account as active. If you look at the account they have not updated this account until I made contact with them for status of this account. The are still operating under the name of GMAC when in actuality they are now XXXX Bank which is deceiving within itself as a corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cooper Hoffman Klein Associates
State: TX

Complaint narrative:
I keep getting calls, they have called my ex husband and my work. They threaten a lawsuit jail time and to have my drivers license revoked.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I, XXXX XXXX demand a complete purge of my personal information from an original creditor, a debt buyer and a debt collection agency. In fiscal year XXXX I filed for personal bankruptcy under case number XXXX, XXXX XXXX XXXX Pennsylvania, United States Bankruptcy Court. At no time was a debt ( s ) from Citibank needed as my debts with Citibank were charged off in fiscal year XXXX, and the statute of limitations had run out on enforcement and/or credit reporting. As the Consumer Financial Protection Bureau is aware that the debt collection industry is broken, it does not give the right for federal collection laws under the Fair Debt Collection Practices Act to be use illegally. I attach two recent collections mailed to me that are not legal, but my information can be considered stolen and now an identity theft issue that I must submit complaints about to the XXXX, XXXX Pennsylvania. The Fair Debt Collection Practices Act is being violated as follows : Citibank , NA no longer has a legal right to collect under restrictive guidelines in the XXXX Massachusetts, as well as under the Fair Credit Reporting Act to report on credit, or the right to maintain a collection under the Fair Debt Collection Practices Act. Essentially, Citibank had a responsibility to purge my file and my personal information such as my social security number. My personal information has been illegally shared with a debt buyer known as XXXX XXXX , XXXX and a debt collector named XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX , XXXX, claims that they are collecting a debt on behalf of a debt buyer named XXXX XXXX , XXXX. There is no historical connection of a purchase of any debts from Citibank , NA, and my information was obtained by an illegal debt pooling process Citibank uses to obtain collections that are no longer legally enforceable. This is pure identity theft by a debt buyer and their counterpart collection agency known as XXXX XXXX XXXX , XXXX . 
I am showing proof that illegal collection activities still go on in the United States, even after the Federal Trade Commission and the Consumer Financial Protection Bureau has fined these types of illegal activities in the millions of dollars. I demand that my files must be purged by Citibank , NA, XXXX XXXX , XXXX and XXXX XXXX XXXX , XXXX permanently. A follow up complaint will be submitted to the XXXX, XXXX Pennsylvania within 30-days if I do not receive a purge letter from all XXXX entities.

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 2016-01-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citi Bank, the issuer of my XXXX credit card, put me on an automatic draft that I did not know about. I made payments not knowing which then took double payments out of my account. I was promised that the money would be put back into my checking account today XXXX/XXXX/16 and the money is not there. I have been given the run around all day about who can and can not help me with this issue and was treated quiet rudely by XXXX separate employees, including XXXX XXXX XXXX in TN.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I cancelled my XXXX XXXX XXXX card in XXXX of 2016 because I did not want an account with Citi. In early XXXX, I received a card from Citi anyway. I called Citi about this, and they said that they could not verify whether or not the account was transferred until XXXX XXXX. I confirmed on my XXXX account that the card was already cancelled. Now Citi is saying I have an account with them. How is this possible if I cancelled the card and have never applied for an account with Citi?

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: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
citi bank bought my best buy credit card debt. I called because i dont live in the US anymore and didnt have access to my mail. They said that it was imposible for me to get my statements, but i was worried because i had a promotion with best buy and didnt know when it will expire, rep told me that i still had time and gave me a wrong date, next thing instead of owing {$200.00} dollars that i had left I owed {$1000.00} and debt still growing. STILL not receiving statements and account was closed so very hard to get info on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: BC SERVICES, INC.
State: MN

Complaint narrative:
I received a letter about a debt that I have no connection to.

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 2016-11-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX XXXX I moved and Macy 's automatically updated my mailing address to a non-existent address. I paid off a {$170.00} balance on my Macy 's card in early XXXX which was the full balance on my XXXX statement the last statement I received at my old address. I had my mail forwarded from my old address, but Macy 's instead went ahead and updated my address with an incorrect XXXX. 
A purchase of {$44.00} was made on XXXX XXXX. I never received any statements from Macy 's regarding this balance. I was not made aware of any balance until XXXX of XXXX when a collection agency contacted me and said I owed a balance of {$350.00} from interest and late fees. 
I had difficulty obtaining statements from Macy 's and requested them numerous times before finally getting them. I have spoken with representatives at length and sent a fax on XXXX XXXX and have still received no response. I want the negative information removed from my credit report and all the interest and late fees refunded as Macy 's never sent a statement for these charges and instead sent them to a non-existant address.

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 2016-01-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank took over an old account ( Exxon ) credit card from 1990 and said interest has grown to over XXXX they kept calling and harassing me until I changed my number. 
Citibank said I owed XXXX before I canceled the card back XXXX, now they want all the interest money and have reported me over and over again to the credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Financial Asset Management Systems Inc
State: GA

Complaint narrative:
They did not responded to a challenge validation debt request. Later after 30 days of not responding certified mail letter of cease was sent, in spite of this FAMS has continue with demanding letters of collection. Both times that I wrote FAMS was thru certified mail. I have a copy of the validation challenge request certified mail sent to FAMS and the certified mail to cease of collection.

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 2016-05-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I signed up for a business account with CITI bank and I was informed that monthly fee of {$19.00} would be waived if I signed up for XXXX device, XXXX XXXX. I met with XXXX XXXX representative and he signed me up for their services and never mentioned that there would be any monthly fee for their services. On XXXX/XXXX/2016 I found that my account was over drafted {$80.00}. As per CITI bank representative, I was charged {$32.00} by XXXX XXXX merchant, {$19.00} for the monthly CITI bank maintenance fee and {$35.00} overdraft fee. I should not be charged maintenance fee of {$19.00} by CITI bank, {$32.00} by XXXX was not authorized.

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 2016-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have an account in Texas. Citi sent me a new ATM card and requested me to go to a branch to activate it. There is no branch in Texas. So, to use another banks atm, I would be charged a fee. They indicated I would not be changed a fee XXXX I chatted with them. No fee to activate a fee. They also told me there 's a fee to activate. I do not want the debit card. They are also making me change my user name again after a year. This is ridiculous. I ca n't pay my credit card bills or see the transactions. I am stuck because I do not have a local branch in Texas. This is unfair and deceptive since I have no choices and they are making me pay a fee. I have no access to pay my credit cards while they I am waiting which is giving them additional fees until they grant me access to my accounts. This is very unfair and deceptive.

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 2016-04-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Costco has changed credit card providers, from XXXX XXXX to XXXX XXXX I do not wish to have a credit card from XXXX. I contacted Costco and informed them of this and was told they could do nothing. My only 'choices ' were to cancel the XXXX XXXX account prior to XXXX XXXX 2016 ( with a concurrent 'hit ' on my credit rating ), wait till XXXX XXXX 2016 and cancel the City card ( with a concurrent 'hit ' on my credit rating ) or resign from Costco, thus spending more money than normal for the items I purchase. First, I am not a 'chattel ' that can be bought and sold on a business basis. The attitude of Costco and XXXX may differ on this. Second, I can only be burdened with debt by my choice - not that of a business. Third, I will suffer a loss of creditworthiness if I take the XXXX cancellation options presented to me. I feel that I have the right to say " NO '' to the new card without any credit rating penalty. Respectfully request that you prevent the transfer of any accounts from occurring without the account holders permission. 

While not an XXXX XXXX service member, I am a XXXX service member

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I overpaid my credit card by {$220.00}. I subsequently closed the card and have not received a refund in over 120 days even though the statements I receive say " We will send you a refund of any credit balance of {$1.00} or more after the credit balance has been on your account for 60 days or upon your request made to customer service. '' I have tried calling the customer service number XXXX different times. It does n't connect me with a person, just a message saying they 're closed and to call back during normal business hours. But, it does not tell me when they are. Please help me obtain my money back.

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 2017-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I am extremely upset of the way Select Portfolio Servicing has handle my loan for the pass years. My hardship started since XXXX/XXXX/2015 due to loss of income when my wife and I have lost our jobs, I presented a complete modification packed to SPS to be review for a modification and all the required documents. However ; I have not been help instead SPS keeps prolonging my case making me fall more behind. I was recently approve only for a repayment plan for the amount of {$3900.00}. this is not affordable because my mortgage payment was for the amount of {$1900.00} before I started to fall behind, if I was not able to make my regular mortgage payments before I dont understand why SPS will give me a high repayment plan. I have Appeal numerous times the denied reasons however I am always forced to reapply. I am tired of the excuses they keep giving me in order to prolong my case. My intentions are to keep my house with an affordable mortgage payments. Based on my investors guidelines I should be able to be provided an affordable mortgage payment since my home is severely under water. I have open a complain with my attorney General XXXX XXXX for all the fraudulent and deceptive practices SPS is using in order to deny an affordable trial payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I used a Citibank check that comes in the mail to pay my taxes. Written on these checks clearly is there is a transaction fee for balance transfers. Not considering writing a check is a balance transfer I used the check. Surprising I was charged a fee for doing this. I contacted the customer service line and was told to write the President of Citibank if I was not happy with there reply. I did this and received a call from the executive office. I explained my problem and was told they would pull the offer and review. After 5 days I received a call from Citibank stating that this is the offer and there is nothing they can do. I explained I can not afford this fee and because I have been a loyal Citibank customer for 20 years I would like a courtesy of this being waived. Citibank would not show any loyalty to me and refused to help me. They even had the nerve to say they do not make money off of me. I said you have had my money in your bank for over 20 years and you have certainly made money on me. I feel these checks they keep sending are very misleading to there customers. I was so shocked that Citibank would not budge on showing any courtesy to a customer. I am filing this complaint to try and get some satisfaction from Citibank.

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 2016-04-11 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have faithfully made payments to this collection agency for 3 years ( i have all my bank statements to prove ) but they did not notify me they were selling my debt to another agency and this agency is now attempting to collect on original amount of debt and none of my payments have reflected and they reported me to credit bureau as a " charge off ''

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 2016-02-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ZENCO COLLECTION, LLC
State: MO

Complaint narrative:
On XXXX/XXXX/2016, a representative from Zenco ( caller ID showed XXXX ) called me saying that I was being sued for fraud by their client, XXXX. They told me they have me on surveillance using this credit card, and that by not repaying the debt and not returning the merchandise, I had stolen the merchandise. They told me that I would need to hire an attorney if I wanted any information about their company. They gave me their phone number and company name, but would not spell the name of their company or give me the name of the actual person I was speaking with. I asked many questions including when the purchases were made on the credit card, how much the purchases were, if this debt was within the statute of limitations to be sued, etc. I also told them that this debt was not on my credit report and that I did not believe I owed this debt. They told me I was narrow minded and accused me of getting " all these credit cards and making all these purchases and then not repaying the debt ''. They even told me that they had filed the paperwork with the IRS to take my tax refund. They ended up hanging up on 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 2015-10-16 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Flew with XXXX XXXX where they offered us automatic XXXX points frequent flyer miles for signing up that day with their credit card. Now they are saying we have to spend $ XXXX before XX/XX/XXXX in order to get said miles that were promised. Very deceiptful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief