vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Harris & Harris represented to me over the phone that a bill was in my possession, which in fact had never been delivered. After confirming my only address, they stated the letter was not delivered due to the address on file with their client being incorrect ; they do not dispute this error. When I responded to their phone call in which they stated I owed a debt - any inquiry as to the details of the debt were met with resistance. I was told that if I did not pay right away, my credit would report would be hit. I requested that if - any - substantiation of the debt would be provided, I would be happy to look into it. I was threatened that if I requested documentation of the debt, my credit would be affected. I persisted with the request for the evidence for the debt, receiving it finally the week of XXXX XXXX. This was the first bill I had ever received from the healthcare provider Harris & Harris represents. I pulled a credit report showing Harris & Harris entered the collection to my credit report weeks before providing me with the bill. In a subsequent phone the next week after receiving the bill, they refused to remove the collections to my credit, even if paid in full. 

Throughout my interactions with Harris & Harris they misrepresented communication with their client, lied about my communications with them. Their staff were elusive when pressed for even basic facts, and engaged in fast-paced, coercive lines of questioning as well. 

In summary, I was called one day and told I owed a debt. When I asked for the bill, I was harassed, had the debt reported to credit agencies, and lied to - all for a bill I was willing to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: HI

Complaint narrative:
I get repeated calls on my new XXXX XXXX number. Most are recorded so when I answer I ca n't speak with the caller.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: ND

Complaint narrative:
We started dealing with Citi Mortgage back in XX/XX/XXXX for a modification. During the process of approximately 14 months, of continuing to send them documents after documents. The same documents many times. Having approximatley XXXX different representatives helping us. With each time a change in representative, meant us sending again the same documents. Also, we found out that some had different answers than others. At the beginning of this process, we were told by Citi Mortgage that in order to be approved to continue to go on with the modification process, we had to be 4 months behind. If we are current that shows Citi Mortgage there is no need for a modification. So that is what we did. I will say that is the dumbest thing we did. Than we ended up to where out acct ended up in foreclosure status, and we could no longer make payments. After many, many months of frustration we contact XXXX XXXX XXXX to have them help us with the process. We started with them in XX/XX/XXXX. As of today, we are still working with them. XXXX XXXX XXXX representative tells me that Citi Mortgage continues to ask for documents. XXXX of many frustrating moments is with XXXX at Citi Mortgage. We have sent multiple times a letter stating in regards to some land we have. It was stated to her in detail that this land is a cash rent land. There is no mortgage on the land, it was in-heritated. It is split between my husband and his XXXX siblings. That the land is crop land only. We stated who farms it, the amount we receive. XXXX decided to determine we had a home on this property. Which delayed things again. There was never any indication of a XXXX home. If she would have read the answer to her question on this property, she should have known that it is crop land only. Is a field of weeds until the farmer puts the crop in. That we get a payment XXXX a year. not monthly as she was assuming. We have been served papers today by the attorney for Citi Mortgage, but yet they continue to call us daily. We do not speak to them as that is what XXXX XXXX XXXX is for. 
This process has taken way too long. Many of the documents that they keep asking for do not change. The only thing that changes slightly is our pay stubs and bank statements. We need help to get this finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
About two years ago I had filed a CFPB report due to an unauthorized Hard pulled due to the Credit department promising me that it would be a soft pull. Issue was resolved, and it was promised to be removed. Also, I had a late from XXXX XXXX that I was lead to believe would be changed. Those changes never occurred. I am a year from buying another home but I moved on. 
I noticed that on XXXX/XXXX/XXXX that I had a Hard Inquiry on my credit report. I cant believe that this is happening to me again. I called the Executive Line. The lady at first attempted to dismiss me, and wanted to transfer me to the Credit Department. I told her I will not speak with them since I have not requested credit. She looked at my file, and could not determined the reason for the Hard Inquiry. She asked that I emailed her with a copy of the Hard Inquiry on my credit report. I could have done that but had a gut feeling that she did not have a genuine interest in assisting me. Also, I was just offended that I would be stupid enough to ask for additional credit when I preparing to apply for a Mortgage. 
I have theory as to the reason for the Hard Inquiry, and just wanted to see if she could figure it out. On XXXX/XXXX/XXXX, Macys, billed me for a pair of eye glasses that me and my spouse never ordered. I had to call customer services, and shockingly was informed that my account was crossed with another account. Therefore, the cost of the pair of eyeglasses was reimbursed. The Macys rep stated that that the Items were ordered by another customer in Ohio I believe. Furthermore, I think the person who added this fraudulent charges to my account somehow did the Hard Inquiry. 
I love my Macys Card because it reminds me of when me and my Mother used to shop there. However, I cant keep having those issues. 


This is a XXXX XXXX statement : ACCOUNT ACTIVITYFilter XX/XX/XXXXAll TransactionsACCOUNT ACTIVITYDATE DESCRIPTION AMOUNTXX/XX/XXXX XXXXINTEREST CHARGE $ XXXX XXXXPAYMENT THANK YOU - $ XXXX XXXXMACYS.COM XXXX NY - XXXX XXXX XXXXMACYS.COM XXXX NY $ XXXXthis is a copy of the Hard Inquiry : MACYSAddress:XXXX XXXX XXXX OH XXXX ( XXXX ) XXXXDate of Request:XX/XX/XXXXAddress Identification Number:XXXXComments : Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A check was presented twice for cash my check # XXXX from Citibank was presented and paid on XXXX/XXXX/XXXX and a second time on XXXX/XXXX/XXXX over a year later. I opened a case with CITI but want to also let you know that this is happening. This is obviously Fraud. my questions to the Citi Rep was 1. how does a check over a year old paid? 
2. why is the same check paid twice? 
no responses to either. Last years check should have been destroyed after payment by the bank I suspect. Meanwhile the bank is not refunding the funds and starting an investigation. so I 'm down in {$330.00} due to their negligence to identify fraud

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 2015-07-01 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Called and told my employer that they were calling on a legal matter. When I was passed the call, I was told by XXXX XXXX XXXX XXXX , XXXX that she was contacting me and my employer to notify them of a judgement against me in the county in which I live. First of all, she herself stated the debt was charged off XX/XX/XXXX ( which is a lie ). Secondly, I have never been notified of any court proceedings because there have been none. I have received numerous threatening letters and harassing calls even after requesting they do not contact me at work again. That debt was 7-10 years old XX/XX/XXXX and I have lived in Oregon for the last XXXX years ( in XX/XX/XXXX ). These people need to be dealt with. This abuse is not allowed by the Federal Government or any State in the United States

Company public response: Company 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: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Recently checked my Macy 's bill and saw that I had been charged a credit protection fee. Called Macys and they said that I was enrolled in the program and I had been for 8 years now. I do n't recall ever agreeing to sign up for credit protection. I have cancelled the policy however, they are stating that they have to review my account in order to see if I qualify for a 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 monetary relief
Consumer complaint received 2015-12-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
citi bank customer 25 years for months they will not all of a sudden refund interest sunday i called and after 5 calls still got nowhere even after a rep hung up on me then offered me soemthing instead of a credit then we got disconnected i called back and was told that citi was told to close my account something i never asked for after 6 calls i still have no credit now i know its valid i know i have been refunded before i also know with all my accounts in the past 2 years several times payments have not been posted correctly this is my account ending XXXX i am unable to use the card much now due to this. 
i am so disappointed that after my loyalty there is no refund of interest as a result i am unable to use my citi cards as i was. banks give more back in charge offs to bad customers. bad cusotmer service bad english costs me time more than XXXX dollars. i am disappointed. its greed and its not customer service. i want the account but will use my cards with other banks who would not insist on keeping XXXX dollars from me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This is an amendment to my previously filed Case number : XXXX. 
As I stated in original complaint about Best Buy Debt protection form, I have received the form on XXXX XXXX 2016, I filled it with whatever information I have and sent it by XXXX XXXX 2016. 
This is because I was checking with my XXXX about my eligibility for unemployment benefit. I talked to state unemployment agency and they finally registered me. Only thing I am worried about the consequences of this on my XXXX now. XXXX verifies about such claims and may disapprove my XXXX and may XXXX me and my whole family. Just wish to clarify this to BestBuy. I have attached copies for their reference with this complaint amendment.

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 2016-01-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I am a victim of identity theft since XXXX 2015 and I have filed a police report for that submitting all evidences to the authorities. I have called in all my creditors and service providers including Macy 's department stores credit card to complain about fraud purchases on my account. No progress what so ever happened internally and yesterday I have received a notice from my credit monitoring service that my credit score went down XXXX points in one shot! Checking my report to see the cause, I found it is Macys credit card who submitted late payment on my account and allowed fraud purchases on my account to increase up to {$3900.00} out of the {$4000.00} credit line. 

I have called in Macy 's credit card more than 15 times and spend at least 50 hours on the phone with them trying to resolve my issue but in vain! 

I have a copy from my credit report agency and I am looking for CFPB to help my fixing the negative data on my credit score and close the Macys account forever Macys policy allows anyone to buy items on any persons account with no validation and without the need to have the card in hand! 

I am looking forward to your support Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I had applied for AT & T XXXX XXXX Credit card from Citibank ( XXXX ) and the same got approved on XXXX XXXX, 2015. The card has an annual fee of {$95.00} and it has an offer related to reimbursement of upto {$650.00} incurred towards purchase of new cellphone from AT & T provided new user spends {$2000.00} within 3 months. However, AT & T ( Both online and Physical store ) has declined to honor the offer citing obscure reason that they are not sure about my identity ( they can issue me a credit card nonetheless ). Even citi bank has not stepped into resolve the issue even after multiple complaints. I feel I have been cheated by the fraudulent advertisements of citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
1. In XXXX of XXXX, without notice I stopped receiving online bills in which I relied on to make my payments. 
2. In XXXX, XXXX I realized this and on XXXX XXXX I called to pay off the balance and cancel my credit card. I asked to have XXXX of the late fees removed in which the representative agreed to remove {$40.00} and told me that my final balance would be {$51.00}. I agreed to make a phone payment in which I was given confirmation # XXXX. I was told that my card would be canceled per my request and that my account would be closed. 
3. Then in XXXX I received a call from Macy 's credit department telling me that I owed more money and on so I looked up my account and found that on the XXXX statement, my final payment of {$51.00} was credited to my account as a payment but they never removed the late fee of {$40.00} that they agreed to. I was also charged another late fee of {$40.00}. 
4. On XXXX XXXX I called Macy 's back to resolve this and spoke with a representative who did not speak XXXX fluently and I had a very hard time understanding her. She also did not understand what I was trying to tell her. Because of this I asked several times to speak with a supervisor and after being put on hold 3 times with no result I asked to have a supervisor contact me and ended the call. No one ever called me back. 
5. I then went on line and sent an email to customer service and was given the same contact number I called on XXXX in which I was still waiting for a call back. ( see email response ) 6. I then contacted the legal team XXXX, out of XXXX and on XXXX/XXXX/XXXX a letter was sent out to Macys disputing the late fees they kept charging each month and asking for someone to contact us. ( see attached. ) 7. After no response and late fees continuing to be charged on late fees, I asked XXXX to send another letter which they did on XXXX/XXXX/XXXX, ( see attached. ) 8. And after again no response, I checked my credit report and found that Macys reported me late with a balance of XXXX. This amount is all late fees and interest that occurred during the time period that I was trying to contact them. They did not respond to either my calls or my letters.

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 2015-07-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a XXXX credit card statement in late XXXX 2015. The balance on the statement was {$430.00}, with payment of {$25.00} due on XXXX XXXX, 2015. I was away on business travel at the time the payment was due, returning on XXXX XXXX. I paid the bill in full electronically on XXXX XXXX 2015. I then received a new bill for a {$25.00} penalty, then XXXX for {$50.00}. I now have a bill for {$120.00}. It is in no way fair to be penalizing me for paying off my balance 4 day past the payment due date. I asked the credit card company, CITI, to clear the penalties and they refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Macys did not reverse out my {$230.00} dispute Similar to cfpg XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX/XXXX/2016 I called Citi at XXXX and spoke to an agent named XXXX at XXXX EDT who opened up XXXX Citi Gold Checking accounts for me with the following promotion code : XXXX. XXXX stated that so long as I make {$1000.00} in debit purchases and two consecutive monthly bill pays I would receive XXXX XXXX miles per account for the Citi Gold accounts within 90 calendar days from the date when I completed the offer requirements. All the offer requirements were completed on XXXX/XXXX/2016 for both accounts, and 122 calendar days have passed but the XXXX miles have not been added to my Aadvantage 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 2016-04-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am filing this complaint about the internal policies of Citibank ( Sears Credit Card issuer ). I am in XXXX with the XXXX XXXX XXXX. Citibank dropped me off of the program, due to a late payment, which is understandable from a compliance view. 
However, after I got caught up, they refused to put back in the program. 
Even though, the late payment was due to medical bills and elderly care. 
All of my other creditor 's agreed to put me back on the program, its seems their policy is hostile to the customer as it allows them to charge higher than normal rates. I want Citibank to accept the proposal that was sent from the XXXX of XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CBNA did a credit check on my credit on XXXX/XXXX/16. I did not authorize this credit check. I have not sought a loan or any other type of financial services. I am uncertain why this company did a credit check and it was not authorized. Through research I found that CBNA is a credit card company. Citi Bank North America. I have a credit card with citi bank but have had the card for 10+ years and did not seek a new card. I did not authorize either directly or by proxy any credit check by anyone for the past year.

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 2016-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have made on time payments which were not posted to my billing statements for each of the past two months. The statement cutoff date is the third day of each month. My XXXX payment was received XXXX XXXX and my XXXX payment was received XXXX XXXX and neither was posted to the following month 's billing statement. I was able to verify the receipt date through the CitiMortgage automated telephone number. 
I have had multiple issues with CitiMortgage regarding proper posting of my payments and accurately reflecting the correct principal amount and minimum payments due with an unsatisfactory experience due to their poor system of internal controls. 
Please investigate and resolve this matter. 
Thank you.

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 2016-08-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Signed up for a CitiGold Checking Account using targeted offer code XXXX. Upon completing the requirements for the XXXX bonus ThankYou points, I got a letter saying I had completed the requirements and that the points would be deposited. Well over 6 weeks after completing those requirements, I have not received the points.

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