vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-07 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: Aargon Agency, Inc.
State: AP

Complaint narrative:
After fighting this twice already with another collection agencies ( XXXX XXXX and XXXX XXXX XXXX ) and the originator ( XXXX ). And threatening legal action against all for falsely pursing me, along with ignoring my proof that it was n't my debt. It stopped both times ... now again, after six months, another debt collecting agency is reporting the same debt on my credit report ( AARGON Collection Agen ). 

XXXX XXXX ... I departed XXXX, Colorado on MILITARY orders for XXXX Prior to my departure I removed my name from the account according to the customer service representative who assist myself and my ex-wife in their local office. 
XXXX XXXX ... I noticed the collection account on my credit report ... and through military legal assistance, this web site, they finally removed the collection account. Part of the processes I went through was submitting signed letters to cease and desist any and all future contact/collection attempts. along with proof of my departure and my new utilites/staements in korea. As it is documented here, that did n't happen immediately, and is now continuing. 
EVEN IF THEY ca n't find records of me removing my name from the account ... .. XXXX went into a completely SEPARATE agreement with my ex-wife that had NOTHING to do with the " normal '' operation of the utilities. I found this out after the fact ( trying to figure out how it was even allowed to reach the extremely high amount it reached, they normally shut it off for non payment after XXXX missed months ). While I was XXXX to XXXX, the ex-wife contacted them ( when they turned off the utilities after she quit paying them ). YES, she paid them at the beginning from her INDIVIDUAL account. She then had to submit a packet showing her INDIVIDUAL income along with a letter of reason for an extension to keep the utilities turned on. EVEN in the letter she states that we were no longer together and her income was minimal. SO she was awarded the extension based upon HER INCOME AND LETTER! ... .. 
Now they are illegally pursuing me ( according my my legal office ) since I can prove my departure on military orders, along with them going into a separate agreement with her on her own.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Cohn, Goldberg & Deutsch,LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX illegally collected and held protected SSI Funds, with out performing proper account review. Took advantage of a venerable XXXX person by not releasing the funds, and would not provide any documents pertaining to her frozen account. Would not release funds until I advocated for my mother, showing this act violated ( 31 CFR 212.2 ), ( 31 CFR 212.4 ), ( 31 CFR 212.5 ), ( 31 CFR 212.6 ) and ( 31 CFR 212.7 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Filed for Chapter XXXX bankruptcy XX/XX/XXXX Loan servicer ( Ocwen ) offered a modification XX/XX/XXXX. The modification was to begin XX/XX/XXXX. It was to end XX/XX/XXXX. 
Accepted modification completing all specified steps required to do so. 
Mortgage payment statement changed XX/XX/XXXX. 
XX/XX/XXXX the Ocwen statement increased by over {$1400.00} US. 
Ocwen stated that the period of an interest-only agreement had ended. 

We agreed to a modification not a 5 year only interest only agreement. I am making the payment ( XXXX ) consistent with the modification agreement. I have retained in hopes that the matter could be resolved quickly without destroying mat already-poor credit rating. Both the lawyer and the servicer are unresponsive. Meanwhile it looks as if we may lose our home. We are receiving frequent notices of default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I signed up for the Citigold promotion and fulfilled all requirements and contacted Citibank multiple times to make sure that I had followed all the steps. I had paid {$90.00} for a checking account and now am being stonewalled when I ask for them to honor the terms. They state that the terms were only for targeted members but the terms and conditions that I have saved as a pdf say no such thing. I also had multiple missives from Citi stating that I would receive this bonus at the end of 3 bank cycles.

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 2015-05-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In regard to my AT & T Universal XXXX Card, I have been denied " calling benefits '' as of XXXX XXXX, 2015. After contacting the company by letter ( regular mail ), by phone conversation, and by XXXX e-mails ( via the company 's secure message service ), I was finally informed in response to the last e-mail that my " calling benefits '' had been discontinued. At XXXX, I took this to mean that the entire " calling benefits '' program had been discontinued. But, apparently that is not the case. A XXXX/XXXX/2015 visit to their website, under " your card 's key features '', show 2 items : 1. Citi Easy Deals ( points ) and 2. " extend the conversation with your calling benefits. Enjoy up to XXXX free phone minutes and XXXX Directory Assistance inquiries- free each month* ''. The * references fine print. So, I 'm thinking my particular calling benefits have been discontinued for some reason buried in the fine print or this is a case of false advertising. Not being an expert in either fine print or false advertising, I need a clear explanation of what is going on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened a Citigold checking account in response to a bonus offer of XXXX XXXX XXXX miles for doing so. When calling to apply for my account on XXXX XXXX, I spoke to a Citi representative named XXXX who explicitly confirmed my eligibility for this XXXX miles offer. On XXXX XXXX around XXXX, I spoke to a New Account Services Supervisor named XXXX because I was upset about changes in the methods available to me for funding this new account. XXXX convinced to continue with opening this Citi account and provide Citi my funds and business by confirming that I was eligible for this offer and would be receiving the XXXX XXXX bonus miles upon completion of certain bill pay criteria. In XXXX, upon completing the account requirements described in the initial offer and confirmed by XXXX, I sent a message to Citi through their online banking site to confirm I had completed the requirements for this offer and asking when I should expect to receive my miles. A Citi representative responded by confirming I had completed the steps and I should expect to receive the bonus after several statement cycles. In the meantime, a {$30.00} account monthly maintenance fee started being charged to my account. After several cycles, I contacted Citi about the delay in receiving my miles bonus. The eventual reply was I would not be receiving the bonus because I was not actually eligible. So I was informed multiple times that I was eligible for the offer in order to get my business and until Citi started receiving a significant fee from my account, only to now be informed that I am not eligible after getting my business and my money. Citi should honor the promises made by their representatives on multiple occasions and provide the XXXX XXXX signup bonus.

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 2017-02-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Please refer to this Case number : XXXX. I tried taking out my money from citi 's account - XXXX checks ( $ XXXX and {$400.00} ). My checks are getting bounced and my XXXX charged me {$7.00} fees for each of the XXXX checks. How come citi can deny taking out my own money? I know there is no insufficient funds. Neither Citi let me access my account nor sending any statement. On top of it- when i want to move out my money-i am given hard time.

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 2016-04-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
credit card went to collections, and that company calls my house constantly even though I 've told them I can not pay

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 2015-12-26 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My wife ( XXXX XXXX ) and I were having e-mail communication with our lawyer XXXX XXXX, ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. # XXXX, XXXX , NY XXXX. XXXX ) ). At that time we were discussing bringing to him a check for deposit into an escrow account in order to secure a house purchase contract. Seamlessly and immediately after the deposit instructions, we got an e-mail allegedly from XXXX XXXX asking us to wire the money instead to -- Bank : XXXX XXXX XXXX XXXX Address : XXXX. XXXX XXXX XXXX. XXXX, XXXX XXXX Beneficiary : XXXX XXXX XXXX Co Address : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX Account no : XXXX. 

Since we had been having smooth e-mail communication with our lawyer for days throughout this real estate transaction we felt comfortable complying with that request. Fortunately, fifteen minutes later, my wife saw our lawyer, XXXX XXXX, ( who she works for part time. ) He said that the request did n't come from him!!. Learning this, she went back to the bank ( Citibank, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX ) as soon as she could to cancel the wire transfer. All this occurred within a half hour.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-31 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had XXXX accounts with American Express. XXXX was the XXXX account I opened around 2004. The other was my XXXX American Express opened recently. I made a payment in XXXX in the amount of {$800.00} to my XXXX account when it should have been for the blue account. When XXXX switched visa XXXX bank this money did not transfer. The visa XXXX liaison said they do not see the {$800.00} in my history of my XXXX American Express card. American Express says they can not see my XXXX AE card at all. XXXX XXXX, my bank has denied my fraud claim. The {$800.00} is missing and I still owe that to my blue account. Please help! Thank you so much.

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 2016-06-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I signed up for a bank account with Citibank for a promotional offer where I would receive XXXX airline miles after meeting a set of criteria. I met the criteria XX/XX/XXXX and waited the three billing cycles that the promotion required to pass before I was given the airline miles. The miles should have posted XX/XX/XXXX and that 's what I was told, but I still do not have them and now my messages are left unanswered.

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 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened a CitiGold Checking account in XXXX 2016 under a targeted promotion coded XXXX that was sent to me through email correspondence. The promotion awarded XXXX Thank You points for the completion of : Opening a new regular checking account in the Citigold Account package and enroll it in Citi XXXX XXXX XXXX XXXX Rewards by XXXX XXXX, 2016. 
In addition within 60 days of account opening, perform XXXX electronic bill payment through various Citibank 's payment systems each month and continue for two consecutive months. 

The account allowed credit card funding at the time and I asked to be sent a form to process the initial account funding with credit card as my husband did a month prior. I sent in the credit card funding form twice with no confirmation or processing of the funds. I called and also online chatted with Citi Representatives as to when my credit card would be processed. After multiple attempts to fund from mailed in forms and over the phone interactions I was finally told that credit card funding was no longer allowed. It was now XXXX 2016 and after enrolling in the CitiXXXX XXXX program I had n't been able to complete the other requirements of the promotion ( bill pay ) due to not having the account funded. I spoke to a representative about this dilemma and they stated that if I made bill payments in the next two months I would still receive the promotional points due to policy changes on Citi 's end that I had no power over, even though those bill payments would be outside the XXXX window requirement. I made those bill payments on XXXX and XXXX, after having opened the CitiGold account before XXXX XXXX, 2016, completing all requirements for the promotion. After waiting 90 days for the points to post to my account I escalated this issue to a Citi manager and executive department because the entire reason I opened this account in the first place was due to this targeted promotion and the reputation behind CitiGolds accounts. The Citi representatives keep saying that they will not award the points because I made the bill payments outside the promotional 60 day window, even though I received explicit confirmation that I would still be eligible due to faults on Citis end. Citi has saved/archived chat conversations and secure messages from my account that will verify that an agreement was reached for me to obtain this promotional offer. I am requesting Citi abide by their promotion and reach the resolution of awarding XXXX XXXX Points to my checking 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 non-monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Have had a Citibank credit card and mortgage for years. Have never been late on either. I changed bill pay providers, causing a late credit card payment by one day. I asked if the late fee could be waived. I was rudely told no, appealing XXXX. Was {$35.00} really worth losing a customer with this much business?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 
After completing the requirements on XXXX XXXX, 2016, I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles by XX/XX/2016. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by XX/XX/2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, technically, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, 2016, which is ninety ( 90 ) calendar days from the date on which the requirements were completed ( XXXX XXXX, 2016 ). 
Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over 18 years of age, and I had never before held a consumer checking account with 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 non-monetary relief
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I contacted Sears to increase my credit limit for me to buy one of their product I was denied such increase then received a letter from the company explaining the reason which was XXXX unsatisfactory credit and/or derogatory public record references ) I called the company XXXX/XXXX/2015 for more explanation since I was positive that I have no public derogatory on my credit account the customer service was not sure then confirmed that there is nothing on my credit history

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received notice on my credit score service that my Home Depot Citibank card was past due on a {$17.00} balance which had ballooned to {$73.00} in fees. The late and past due bills damaged my credit score. I had never received late notices or billing information from Home Depot or Citibank. This was the XXXX occurrence of the companies required correspondence not reaching me via email, phone or postal mail. A previous similar issue was resolved in XXXX when I informed them that I was not receiving bills. Their representative agreed to waive any additional charges and confirmed my email and mailing addresses so future account correspondence could reach me in a timely manner. This did not happen and I was late and charged for a bill I was n't aware of. 

-XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 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:
collection agency has called repeatedly to collect a debt that is not mine. the agent has threatened to come to my place of employment to collect should i not provide payment immediately. at times has left voicemails identifying themselves as a 'goverment agency ' or court clerk.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC
State: WA

Complaint narrative:
The BAY AREA CREDIT SERVICE offered me a pay now at a discount offer last year. I paid the discounted price that day. They have now sent a number of bills for the remainder ( discounted ) amount. They were contacted by phone as well as mailed and emailed a copy of the discount agreement. We asked them to mark this as paid in full and to send a receipt within 60 days. It has now been 120 days and I have just received yet another bill.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
I bought car financed by Quality acceptance have been making payments on car since XXXX 2016 received a call from XXXX from Quality telling me I was up 3 months behind in my payments and I needed to pay almost {$1000.00} to her immediately or they would be possessed the car. I have verification that I 've been paying the car note each month which I will send to your company and I 'd like for you to investigate my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A company called CBNA made hard inquiries to my XXXX credit report on XXXX/XXXX/16 and XXXX/XXXX/2016. I I do n't know who this company is and I certainly did n't give them permission to run my credit. There is no phone number for them on the credit report, just a notation " by mail only. '' The address XXXX XXXX XXXX XXXX, SD XXXX follows. Repeated letters to that address were ignored. I sent one by certified mail, so I know it arrived at that address. 
I must assume that there is some sort of fraud going on, or I would have received a reply with an explanation. I have no way of knowing if accounts were opened in my name, using my credit, without my knowing. I can only assume that they have been.

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