vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX my identity was stolen and used to open XXXX different in store credit cards in a different state then where I live. XXXX of which was with Macy 's. When I became aware of the identity theft I took appropriate actions to have all of the accounts reported and closed as fraudulent. Macy 's is the only XXXX of the XXXX that is still an issue. Since XX/XX/XXXX I have filed a police report and supplied statement of fraud to Macy 's. I am still receiving credit card statements from Macy 's and have called them on numerous occasions trying to resolve this. The statement of fraud was sent on XXXX XXXX via fax and I received a letter from Macy 's dated XXXX XXXX that the claim would be resolved within 60 days. Since then I have received XXXX statements and a collections notice on the account. When I call customer service at Macy 's the first operator always tells me to just pay the bill. I did not open the account nor gain anything from the items that were purchased on the account. I do not owe anything to Macy 's. I received another credit card statement last week and called Macy 's today ( XX/XX/XXXX ) to try to resolve the issue again. Again the first operator told me that I had to pay the account. I spoke to the fraud department that had no record of my issues with this fraudulent account. I was directed to the recovery department which told me they could do nothing because the account was open. I closed the account back in XX/XX/XXXX but since then Macy 's reopened it without me knowing or notifying me. The recovery department referred me back to the fraud department. I called the fraud department back where I was made aware that the account was still open. They said that the 'system ' changed sometime and that nothing was showing on my account about the fraud and my submission of the settlement of fraud. I spoke to at least XXXX people today who were constantly pointing fingers at another department. I am still floored that an operator would tell me that I have to pay it AND that Macy 's sent the account to collections before it was even 30 days due. As of now the issue is still not resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was lied to by a Citibank representative XX/XX/XXXX. He was pressuring me into signing up for the Citibank Credit Protector program ( which I did not want ), and said I would not be signed up until I had mailed in the signed forms he would send me. Knowing that I had no intention of returning the forms I agreed to let him send them to me, just in order to get off the phone with him. However they enrolled me in the program without me sending in any forms, and they charged me {$130.00} for this program I did not want and did not sign up for. When I found out I had been charged I cancelled the protection program and wrote a letter requesting a refund from Citibank. Citibank would not refund me so I cancelled my credit card. Last summer I read in the news that Citibank has been ordered to refund customers like me who were the victim of deceptive business practices, so I wrote a letter XX/XX/XXXX providing them with my new address and again requesting a refund. No response. I have called twice since then - the first time they told me to call back XX/XX/XXXX. Today I called and after 30 minutes talking to people who could not help, someone in the credit protector program told me she would resubmit my refund request for me, then without getting my new address, she put me on hold and then hung up on me. Although I misplaced my statements/proof of charges, Citibank knows the amount - the representative today quoted me {$130.00} which is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
Ocwen Loan Servicing illegally reported me as deliquent or has lied to you about reporting me deliquent to hold hostage my insurance, they have violated my privacy under Gramm-Leach-Bliley by not safeguarding my private information, based under GLB Under the Safeguards Rule, financial institutions must protect the consumer information they collect. They are in clear violation and I intent to file a lawsuit and request a fine be imposed on them to the fullest extent of the law. They are also actively practicing unfair Deceptive and Abusive Acts in violation of 940 CMR 8.0

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
HiIn 2013 I filled a complaint against GMAC Mortgage, regarding the national mortgage settlement. I explained that this loan should qualify for the national mortgage settlement. GMAC respond was that it does not. 
I have proof that this loan should have qualified for the national mortgage settlement and GMAC should honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Central Atlantic Legal Group, PLLC, t/a Booth, Strange & Daniel
State: WV

Complaint narrative:
My check was garnished. It was overpaid. Company stated the funds would be returned to my employer. Instead, it was processed. Company is now refusing to refund my overpayment in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Recovery Corporation
State: GA

Complaint narrative:
I asked for a detailed bill of my account and was told they do not have to give me one. How do I know the debt is valid without the original bill. They sent me a statement that I promised to pay which in fact I did not I wanted a detailed bill.

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 2015-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I had a mortgage being serviced by Ocwen and they have failed to reduce my principle or offer me any relief as ordered in the CFPB agreement dated XX/XX/XXXX. I have received legal foreclosure papers to appear on XX/XX/XXXX at XXXX district court XXXX XXXX XXXX XXXX. XXXX Michigan XXXX XXXX number XXXX. I feel Ocwen is not abiding by the order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Pretender lender loan servicer " Ocwen Loan Servicing '' and its robo-XXXX employee " XXXX '' is once again covering up its dirty smelly intentional fraud game tracks. I am in the process of retaining new counsel, I will respond to just one of robo-Starr " XXXX '' fraud cover up little games. Ocwen Loan Servicing XXXX is doing nothing but horsing around her barn. Attached is email evidence of Ocwen Loan Servicing robo-lawyer " XXXX '' denying me the right to discuss Ocwen fraud crimes against me before a congressional hearing. Dealing with Ocwen Robo-XXXX is a complete joke and a complete waist of time. If Robo-XXXX is looking for fights with Ocwen victims then she will get one!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen does not have any ideas about mortgage loans, they have informed me that I am negative XXXX in my escrow account, and this is incorrect. 
I have also been told that my account is in the bankrupcty department and no one has active bankrupcty that is on the mortgage account, I have asked this department on several occassions to remove my account from the bankruptcy department and to date have not been removed from that department.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter warfield never send anything to my adress about a debt.but yet keep contacting me forXXXX dollars.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Our family has been living at this property for over XXXX years and due to the " not so good economy '' and loss of work, it has become increasingly difficult to keep up with our household bills and mortgage payments. XXXX option was a loan modification but OCWEN has refused to work with us on a loan modification. XXXX I have submitted to OCWEN request for mortgage assistance, HAMP and Keep Your Home California ( Reinstatement Program ) and was denied XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Cooper Hoffman Klein Associates
State: CA

Complaint narrative:
They call me numerous times a day with threatening voicemails about taking me to court and me having to pay court costs, but they have n't sent anything in writing stating why I owe them and for what, how much, etc. They are calling my previous place of business, my home ( which I never give out ) and my cell phone- I get at least 5 calls a day. Please help- if they would mail me validation of debt I would be more inclined to call them, but they have not. All they do is leave threatening voicemails. 

I do n't know who they are ( besides being a debt collector ) and why I owe them. They never stated what account they 're collecting on, and further more, when they call my old place of business they 're leaving a voicemail on someone else 's voicemail- this information should be private. It clearly says someone else 's name when the voicemail comes on- so they should n't be leaving a message with them at all. I have n't worked there in months. It 's humiliating because my previous employer is contacting me again about this. I 've told them to ask them to stop calling, but they clearly ( Cooper-Hoffman ) are not complying as requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
my mortgage is own by Ocwen, i call and ask them to refinance my mortgage thru the HARP program they said that they can not do that, but can restructure my loan and that my payments would be {$440.00} for a trial period of 3 months, they said my payments would be about that after the trial period .they send me some papers to get noterise which i did the next phone call i receive from Ocwen was that they drop me from the program, they also told me that i would not have to pay XXXX month mortgage, then i received a next call that i owe 2 months of mortgage XXXX and XXXX of 2015 in the amount of {$1900.00} dollars, I ask them what happen to the payments that I was making every month they said they applied it to my mortgage. I call them and they said my escrow was short fall, i ask why wasnt i notify by Ocwen ar my ins.co or the city of XXXX they could not answer my question they told me i need to send them {$450.00} for the escrow short fall which i did and it clecr my bank account, all these transaction are being done by different associate at Ocwen, i was told to pay {$590.00} for the month of XXXX mortgage which i did and the cheque clear my account now i was told onXXXX/XXXX/15 to send a cheque for {$1400.00} for the months XXXX and XXXX, all i am doing is sending chequs to Ocwen and they are clearing my account a i getting no help from them i was told they have bad business wrateings with alot of their customers, my credit score are low because they report me to the credit bereaus. I WOULD LIKE SOMEONE YOUR OFFICE / AGENCY TO LOOK INTO OCWEN WAYS OF DOING BUSINESS WITH THEIR CLIENTS. THANKING YOU IN ADVANCE OF ANY HELP RENDER TO MYSELF AND OTHER CLIENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XXXX/XXXX/2014, I filed CFPB case # XXXX which was a complaint against Ocwen Loan Servicing , LLC . In the resolution of that case, Ocwen promised to reverse a late fee in the amount of {$58.00} and apply the funds into a " suspense account '' to be used in future payments on the account. Over the course of several months, Ocwen applied fraudulent accounting techniques to hide the {$58.00} without ever applying the funds to future payments or otherwise disbursing the money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kansas Counselors, Inc.
State: NE

Complaint narrative:
I am a guardian of the patient who used the medical facility. I do not and have never been in control of his finances. They turned the bill over to collections, then instead of the patient 's name on the bill for payment, they put my name on the bill requesting that I personally pay it. They asked, over the phone, if I had drove him to the hospital. I responded I did not and my name should have never been substituted on this bill.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made an attempt to use my Macy 's American Express Card in XXXX and was informed the transaction was declined. Called Macy 's regarding this matter and was informed my account was closed in XXXX XXXX, my XXXX Credit Report dated XXXX/XXXX/XXXX clearly states my account was not in a closed status until XXXX XXXX, I still was not notified by a letter or on my statement. I had called customer service and ask why I had a XXXX limit, I was informed I still was able to use my card and disregard the XXXX available credit line. I also called XX/XX/XXXX to inquire about my credit rating on my account and received a letter stating they could not change the 60 days past due, again never informed me the account was closed. I had some financial difficulties XX/XX/XXXX and worked with Macy 's credit to keep my accounts going, I was able to get back on track in XXXX XXXX. Why was n't I notified my account was closed and why they led me to believe my account was in good standing when I made payment arrangements to keep my account in good standing. Why was n't I notified my account was closed when I inquired XX/XX/XXXX and received a letter in the mail that the 60 days past due was going to remain on my credit, why was n't it stated account closed on my Macy 's American Express statements, why no indications when I make an an online payment, why does the automated system says I have {$440.00} available, why no letter?

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 2017-02-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Best Buy Citi Card has been charging me for debt protection for almost five years. I was not aware I was being charged for this service until I took the time to review multiple past statements. I do not recall every signing up. I called Best Buy/Citibank ( it 's never clear who is who ) and was given the run around. I was handed off from call center to call center : XXXX to XXXX to XXXX to XXXX back to XXXX. The level of obfuscation and time wasted is breathtaking. I would like a full refund.

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 2016-08-27 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
yes on our sears credit card.like too find out from collections if i can maybe cancel card.cant afford high monthly payments.way too high???? like too talk too collections first before i might close account. please have them call me XXXX XXXX XXXX its my moms account but i have power of attorney too

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 2016-07-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX Opened my Student checking and savings account at Citibank, XXXX XXXX CA branch. 
The banker XXXX explained that the account is free, so I believed it was a free account. 

XXXX. XXXX Citibank started charging a monthly service fee without notice. I had a balance of {$300.00} in the checking accout. 

XXXX. XXXX I received a letter saying there 's not enough funds in my checking account and that I was being charged an overdraft fee of {$34.00}. Because my {$300.00} balance had been used to pay the monthly service fee and my account was now overdrawn. 

XXXX. XXXX XXXX I went to the Citibank XXXX XXXX branch and asked them to refund all monthly service fee ( {$12.00} times 16 months = {$190.00} ) and the overdraft fee ( {$34.00} ). After speaking with the branch manager, XXXX, she refused and said they would only refund for 3 months service fees. They explained that the account was not free and the banker opened a normal account instead of a student account which is free. 

XXXX. XXXX XXXX I contacted the Citibank customer service center and I tried to negotiate a refund of the service fees. The representative processed a refund for 1 month of service fees ( {$12.00} ) without my agreement. I asked them to cancel this refund because I did not agree with it but they said they ca n't. 

Summary : I was taken advantage of by the Citibank XXXX XXXX branch when opening my student account. There was no notification of me being charged fees and after asking them multiple times to refund my money they 've refused. I did n't use this account as I was told it was free, I only checked their e-statements the first few months.

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 2016-08-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a credit card account with Citibank and got closed due to no transaction. I moved out of XXXX during the Citibank shutdown their service in Texas and hence i could n't keep my credit account active as it is only linked with my citi checking account. Now when i returned, i noticed that my credit score is not available and when i checked with XXXX, i came to know that my credit card account details were not reported to credit unions till date. This resulted in loss of business deals and other purchase offers. Please do the necessary to revert back my status and compensate for my loss and sufferings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In response to a bank bonus promotion at Citibank, I signed up for a personal checking account on XXXX XXXX, XXXX. The promotion promised {$400.00} as a bonus if I opened an account and held a balance of {$15000.00} for 90 days after the first statement period closed. 

I waited for the bonus after depositing my {$15000.00} and keeping it in the account for the designated period. On XXXX XXXX, XXXX, Citibank closed my account and sent a check for the balance without me requesting that they do so. I called on XXXX XXXX, XXXX and learned that they believed they had not received my signature page for the account. When I told them the date when I submitted the page, they searched their records and found it. They admitted their error and let me re-open the account with the full {$15000.00} balance ( which happened on XXXX XXXX ). In another call on XXXX XXXX, XXXX, the bank 's New Account Opening office confirmed again that I would still be eligible for the bonus. 

I continued to wait for the bonus. On XXXX XXXX, I called again about the bonus. The representative said that the bonus should post around XXXX XXXX. It did not. On XXXX XXXX, XXXX, I called the New Account Office once again. They informed me that they would open an investigation internally, number XXXX. Now, it is XXXX XXXX, XXXX. I still have not received the bonus, despite maintaining a {$15000.00} balance since XXXX of XXXX. I have read in online forums that many other customers have had similar problems with Citibank 's bonus promotion.

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 2016-11-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My husband was recently approved for a new Citibank credit card ( for Costco ). We keep our finances separate for personal reasons, so he encouraged me to apply for one. I was turned down, solely for the reason of having an old bankruptcy on my credit. I believe this is gender discrimination because he has the exact same bankruptcy record on his credit! Plus, my income is higher than his!

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