vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NH

Complaint narrative:
Midland Funding is in violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Under FTC v. XXXX XXXX XXXX ( XX/XX/XXXX ), a Federal Trade Commission lawsuit against a licensed or registered collection agency, whereas the collection agency paid millions in fines and penalties, a criteria was established on the collection of debt where interpretation of laws were established. That criteria is as follows : 1 ) The debt must be within legal timeline limits that it can be collected through a summary judgment process in the state of the consumer 's residency. In this case, both accounts started with XXXX Bank, went into default in XXXX, and then taken over by XXXX XXXX in XX/XX/XXXX. Both accounts are long past any redeeming collection period. 
2 ) The consumer must be given a 30-day notice that the collection will be posted on credit, and shown proof that the collection item has been assigned or purchased, or both. 
3 ) The consumer must be given his rights to dispute under the Fair Debt Collection Practices Act. In this case I was never notified by XXXX XXXX or Midland Funding LLC. 
Both accounts have been re-aged, show no previous ownership as stipulated under the Fair Credit Reporting Act, and there is no payment trade line. The original owner, XXXX Bank is off credit completely as the legal timeline limit has come and gone. Midland Funding LLC is in direct violation of FTC mandates on this type of illegal collection process. The Consumer Financial Protection Bureau needs to step in to sanction Midland Funding LLC for these continued FCRA and FDCPA violations. Both accounts must be deleted on my XXXX credit report immediately and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Around XX/XX/XXXX, I had called Citi to find out ways to settle my HELOC account. The account was past due for quite some time. The mortgage unit had told me a specific person would help me with my situation. XXXX of CitiMortgage had suggested a file a hardship application so they could assess my settlement offer/situation. I was denied around XX/XX/XXXX. I noticed they pulled my credit in XX/XX/XXXX, I consented to this request. No issue here. 

Very recently I noticed they pulled my credit twice in XX/XX/XXXX. That 's almost a year later after my hardship request had been denied. I never agreed to these hard pulls without my consent. I started paying Citi back and recently I paid the loan off. Throughout the whole time I was paying the account, I kept getting letters that someone in the hardship team was going to review my account. Once I was denied, I never filed another hardship request. The Citi team was a bit disorganized. I understand things fall through the cracks, but this was a bit annoying. Literally XXXX letters of the same information. What a waste of paper! I would like this account and credit pulls to be removed from my credit report. I never consented to these pulls! 

Appreciate the help! 

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 non-monetary relief
Consumer complaint received 2016-12-12 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: CO

Complaint narrative:
XXXX sent my name to collections with Fidelity Information, but I do not owe her money. I was not a party to the lease and do not owe her. She has said on numerous occasions that she is aware, but wants to be paid anyway. I 'm in the middle of buying a home and this has put a halt to my purchase. I want her criminally prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I have mortgage through XXXX. I was served foreclose papers and I called them hoping to resolve the issue. I can not refinance my credit is poor due to divorce. Their real estate support team put ne on on program. They said fee was {$1600.00} I paid {$2000.00} THE balance to go to mortgage pmt of XXXX in XXXX of 2015 I pai in XXXX XXXX in XXXX they are calling me telling me I am 3 months behind tried to explain but it 's just a call center and no one knows anything. I simply want this cleared up. My health is suffering

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I applied for a Macy 's credit card and used it to buy some chairs. The chairs were defective and I returned them with Macy 's approval. It took Macy 's a long time to apply the return credit to my card. They charged me late fees and then reported me as late pay on my credit report. I just got denied on a mortgage loan application because of this. 
The " lost money '' amount reflects the higher interest rate I will be charged on a mortgage loan because of this.

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 2016-09-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In reference to the investigation XXXX. On XXXX XXXX, 2016 at about XXXX. I went into the CITIBANK XXXX on XXXX XXXX to pay {$1500.00} towards the installment loan # XXXX. XXXX XXXX employee of CITIBANK directed me to the ATM machine to help with the payment. I gave him {$1500.00} towards the payment and I also wanted to open a bank account to deposit money I had with me. He assisted me at both the ATM and the teller window and advised I needed to withdraw to open the account. I did not realize until after I came home that he did put the {$1500.00} towards the payment instead only {$840.00}. I would like CITI to investigate what was done with the money. I came in with CASH. There has to be video of the transaction where you can confirm what was done while I was in the branch on that day. If in fact something was done in error then I would like the money to be placed back towards my loan. I am requesting a re-evaluation of the transaction and have this employee questioned. I am providing proof of my transactions as I always keep a record of my deposits and keep the same patterns. I did not understand why he insisted I go to the ATM machine and not do this transaction with the Teller directly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XXXX XXXX, 2015 Citibank processed a charge against an expired debit card on my account for XXXX of {$47.00}. 
While the charge was shown as pending I called and notified Citibank and spoke w/ a representative named XXXX and a supervisor named XXXX XXXX 
Although I notified them that the transaction was unauthorized and made against an expired credit card the Citibank representatives said that since the transaction was done by an automatic payment system all the Merchant needed was the card number and that Citibank did not require an expiration date for the card nor a security number. 
All that Citibank would do in response to my complaint would be to issue me a new debit card and process a dispute. The charge would remain against my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08 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:
In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account and spending {$1000.00} on the CitiGold Debit Card attached to the promotion. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, 2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I provided them my XXXX XXXX number so that the bonus points would be deposited at the expected date. 

On XXXX XXXX, 2016, I did not receive my bonus points as promised. 

I was out of the country in XXXX, but after arriving back, I sent a message inquiring about the status of my bonus points on XXXX XXXX, 2016. 

I received a message back on XXXX XXXX, 2016, in which Citi denied me the promotional bonus points. 

Even though I have been assured by Citi representatives that I met the requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. I find this highly suspect that Citi representatives confirmed the promotion to me, yet will not hold their end of the agreement. I would demand that Citi credit my account immediately.

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 2015-04-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Applied for a loan to pay off my credit cards. The bank approved the loan. When the bank paid off the credit cards, I found there was an unknown credit card, I never applied for this card in my name. I ask the bank not to pay it that I did not know anything about it. The bank paid it and since I had signed the paper there was nothing they could do at that point. I contacted Citibank and confirmed that it was a fraudulent account. See letter dated XX/XX/XXXX. I hired a lawyer who contacted Citibank on XX/XX/XXXX and again on XX/XX/XXXX by letter ( see attached ) and have not received any response. 
Please help me get my {$17000.00} paid back to me for a credit card opened and had been active without my knowledge or approval.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My parents house was forclosed on. By me being a XXXX my fathers credit has always been mixed with mine. My father has been XXXX for almost 15 years. I need this off and inquires also. I need this off I want to buy a house some older things need to come off also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received an offer to signup for a Citigold checking account after I had opened my Citi Prestige credit card. Used the promo code provided which was accepted through the signup, I met the requirements but never received my bonus thank you points. When I inquired with the bank directly they said I was never targeted however they accepted my signup application when using the promo code and had no mention that the code was invalid nor that I was not eligible.

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 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XX/XX/XXXX my wife lost her job and we applied for a HAMP modification for our XXXX loan with Citi Mortgage. After a long and painful process, where documents were continually " lost '' by Citi, we were told to start making lower, " trial '' payments on our home loan. After successfully completing the trial payment series, we were denied a HAMP modification due to our income and/or assets. We had to repay the entire amount due resulting from the trial payments. 

We continued to communicate with Citi Mortgage on this matter for the next two years. We received denial after denial and suggestions that we should submit to foreclosure. Even though we were in much better financial shape, Citi finally agreed to modify our loan after another successful series of " trial '' payments in XX/XX/XXXX. The modification extended the term of the loan from 30 to 40 years and reset the interest rate to the then current market rate for mortgage loans. There was no forgiveness of principal. 

However, unlike with the HAMP application two years earlier, our credit report began to show " missed payments '' corresponding to the required " trial payment '' schedule. We are now completely recovered financially and our credit scores range from XXXX to XXXX. We would like to refinance our mortgage to a 15 year term and take advantage of still low current rates. But despite our high credit scores, those " missed payments '' still appear on the report. Based on the negative credit, lenders will not allow us to refinance. 

This whole mess started in XX/XX/XXXX. If we could get the credit hit moved back to XX/XX/XXXX, they would come off our credit report next year. As it is, it will be XX/XX/XXXX before we can refinance. We only did what Citi told us to do. We made payments in the amounts and on the time frame they required. I have contacted the credit bureaus and they refuse to help. 

Is there any way we can get our credit report to more accurately reflect what really happened with Citi Mortgage?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was sent a letter saying the financial services I was repaying my loan has a lawsuit against them and I need to be granted 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 explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
My home is in foreclosure from Citi Financial. We want to keep our home but they are not willing to coraperate.They said we can not modify our loan we applied for hardship they said no didnt receive all required information, but i sent it by mail with a receipt of it being mailed.Everytime we call about our loan they have to search for it cuz they cant find it.we have been paying on mortgage for 15 yrs and owe more now than when we took out the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have had a citi credit card for years. In XX/XX/XXXX I discovered fraudulent charges. I immediate notified citi and had my card closed anda new card issued. One place it was used fraudulently was XXXX. After I recieved my new card I saw XXXX bill me again and again the next month. I contacted citi and disputed the charges and was credited back. I was told closing my new card and getting a new one will not help. I ca n't get them to stop XXXX from billing me. I need help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a credit card with Macy 's. I used it several times XXXX to purchase some dresses. I paid it off. Then I used it again at XXXX time, and I did n't think anything of it, but my statement arrived after the due date. I called and they reversed the late fee. It happened again in XX/XX/XXXX, and XX/XX/XXXX, and again in XX/XX/XXXX, in fact I just received my XX/XX/XXXX statement 1 week ago. I paid the balance off but I refused to pay the {$21.00} late fee. They stated they can only give XXXX-XXXX per 12 months, and they already gave me XXXX reversals. I said I do n't know if Macy 's is sending out statements late, in order to " collect late fees '' and that 's how they make their money! or if it my wonderful USPS in NJ.!! but in any case I still have not received my XX/XX/XXXX statement as of yet, and we only have a few days before it is due. I do not have online statements because of being hacked, and identity theft in prior years. I keep as much security as possible.

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 2016-12-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I purchased a mens ring online for {$600.00} from a company in New York XXXX named XXXX. I used my Citibank XXXX credit card. The ring would take 3 weeks to make, so I did some research and investigating about this company with XXXX and online reviews from previous customers. I was SHOCKED and HORRIFIED by what I read by the terrible and negative experiences customers reported. I immediately tried to reach out to the merchant by phone. I tried on different occasions to cancel the order, but I could not get a hold of them. ( mailbox full, non-working number, disconnected number ) Meanwhile, they send the ring without a tracking number by USPS. Based on their reviews and history, I decided to REFUSE the package XXXX. The mailman marked it " refused '' in his meter tablet, and it was returned to New York to the merchant. They received it, but are lying and said they did n't. I know for a fact they did. Meanwhile, Citibank bought into their lies, and reversed the temporary credit of {$600.00} I complied with all of Citibanks rules, and faxed them XXXX singed affidavid 's and a detailed letter explaining the circumstances. When I call Citibank to sort this out, I reach a call center in the XXXX. Then the girl has to transfer to the billing department in the states to some rude person who is not familiar with the dispute case number and tells me that a supervisor will call me. ( which they never do ) I have gone through this scenario a minimum of 10 times without any result. Citibank still refused to credit back the charges for merchandise that I do not have. I am reaching out to you because I am frustrated and sick over this. The dispute number is XXXX. My name is XXXX XXXX XXXX, and I am the authorized card holder. My telephone number is ( ( XXXX XXXX XXXX. As of today, I am out {$600.00}. Please contact them and try to get this matter sorted out. Thank you Sincerely, XXXX XXXX XXXX XXXX. I am a XXXX XXXX XXXX XXXX XXXX veteran.

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 2017-03-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was XXXX for Military purposes and used the CITI card that was issued to me. I stayed at the assigned hotel for the period of time that we reserved the room for. We departed as planned. The hotel charged us for an extra day 's stay, claiming that " someone was occupying the room ''. We first tried to consult with the hotel manager, but could not make progress. We filed a dispute with the credit card company a month after the dispute ( XX/XX/XXXX ) and waited for resolution. I continually checked their Online account they have set up for me, and the status of the dispute never changed from a pending-status. I tracked this status for the next month and it never changed status. I called their toll-free number in early XX/XX/XXXX and they stated they do not handle disputes and that I would have to receive a call-back from a claims examiner. Several days passed with no call. I called back and they repeated that they can not provide me with any service related to disputes and that it is handled by a different branch that you can only have them call you back. I demanded that I would stay on the phone until they connected me. They terminated the call. A few hours later, I was called back, and they stated that they had sent me a letter some time in the past asking for details of the dispute. I advised them that I did not receive any letter. They could not confirm delivery. I asked why they did not change the status, use the message-center on the web portal, call me, or email me. They responded that it was not their policy, and they did not have to. They advised me that the claim was closed and there was nothing that could be done. I mentioned that the website stated that it was not closed, and that was misleading. I was then told that since it was a reservation made through the XXXX XXXX XXXX website, they did not have to handle disputes. I advised them that federal law still applies to them. This sort of back and forth continued for some time. In the end, they stated that they did not have to handle disputes, and that XXXX would have to handle them. I believe this is incorrect. I also believe they are supposed to notify you properly about the dispute process. I do not believe they did so.

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