vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, CA XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX MEDICAL XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX THIS IS NOT MY ADRESS XXXX, XXXX FL XXXX - REPORTED XX/XX/XXXX THIS IS NOT MY XXXX ADDRESS : XXXX XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX PLEASE UPDATE MY ADRESS TO XXXX XXXX, FL XXXX I BEEN LIVING THERE SINCE XX/XX/XXXX The itemslisted areclearly fraudulent ; therefore, I am requesting that they are deleted /blockedby name of source. In addition, A CRA must block the fraudulent informationand the victim must be identified within XXXX business days after accepting his/her IdentityTheft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA XXXX ( b ), XXXX U.S.C. XXXX XXXX ( b ) XXXX. A. Blocking Information in Credit Reports under XXXX and XXXX ( a ) ( XXXX ) Under section XXXX of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt XXXX, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blockingfraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Please reverse the {$34.00} NSF fee as it was a duplicate of the other {$34.00} fee, that is, you assessed two NSF fees for the same exact thing, which was that your decision to suspend my Citibank Custom Credit Line without any notice or awareness by me and moreover, for no reason that anyone at citibank customer service can explain, put me in the position of being unable to simply move {$56.00} from my {$32000.00} credit line to make the {$76.00} payment clear. I could have completed that the same day the overage occurred, XX/XX/2016 if you had not suspended my credit line 5 days earlier without my knowledge. I had told your staff before I left that I was going to be in Hawaii for a week, where as you know there is NO Citibank branch in all the XXXX, so I was completely helpless to do anything EXCEPT move the money from my Custom credit line the same day to my Checking account -- the one avenue I had available to remedy the shortage -- but you had cut that off, again for no reason at all and without my knowledge or awareness until I tried to use it on XX/XX/2016 and found that I COULD NOT. I called your Customer Service number and spoke to a total of six different Citibank CS personnel throughout the whole day of XX/XX/XXXX, being passed around from one to another, so that I was on the phone for hours, repeated to each agent that I was in Hawaii ( which they could see by the phone as I called from my hotel room land line at XXXX ) and that I needed to be able to move the money from my Credit Line to my checking to cover the overage. No one could help me ; they EACH said they could NOT UNDERSTAND why my Credit Line was even suspended in the first place five days earlier. I had NEVER done anything wrong or against the rules, or even imprudent, nor made a late payment -- so why was it suspended just when I was away from home, on travel status, in Hawaii where there are no Citibank branches, and then suspended so I could n't use it? For this reason, that I was powerless to do anything about the overage due to Citibank 's sudden and unknown to me, secret disabling of my account for no reason, actually 5 days earlier -- that I incurred the overage in the first place. If you had not done that, I would have been able to move the funds and not incur an overage or NSF situation. THat Is why the remaining {$34.00} NSF needs to be reversed, just as you already reversed the other one. 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 2016-06-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I continue to have issues with Macy 's - I receive letters and emails regarding suspicious activity on my accounts. I call the number provided but staff can not provide any details. I have asked to have the accounts closed but do not think that has happened. Not certain how to resolve this issue. I do not want to be nor should I be responsible for suspicious activity due to Macy 's inability to close the accounts and take the appropriate steps to secure information.

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 2016-12-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank initiated redeem my reward money by check XXXX month ago, I still do not get it.I did contact to them XXXX times during that period. Yesterday I received a letter from Citi it written they do not understand what I request it do request me to send a signed letter. They did start it I did not They know what I want and asking, remember they initiated all 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 2016-07-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for a Citibank gold checking promotion that offered XXXX miles AAdvantage miles after meeting specific spend and bill pay requirements. After completing the requirements, I called Citi representative on XX/XX/XXXX to confirm that I had successfully completed the Citigold checking promotion. After checking that I achieved the conditions ( using Debit card for XXXX spend and pay two consecutive bills ), Citibank confirmed through phone that I had successfully completed the promotion and that the airline miles would be deposited into my account after 90 days from the date of completing the program 's requirements. More than 90 days past without having the promotional miles deposited into my account. I sent another secure message to Citibank and was then denied the promotion that I was originally approved. In addition to being denied the XXXX points, I was required to pay more than { {$90.00} } in account fees to keep the account open until the points had posted.

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 2015-08-24 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I opened my e-mail from my citi cards account to be informed that the line of credit on my account was being reduced from {$24000.00} to {$21000.00} and the stated reason was that I had big balances on other bank credit card accounts. I have had the citi card since XX/XX/XXXX, and with the exception of XX/XX/XXXX, I have paid my account in full or in an amount exceeding the minimum payment each month before the due date. Last month I was visiting friends in the Florida XXXX when I mailed my citi card payment on XX/XX/XXXX, but the payment was not credited to my account until XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank has a promotion to give depositors a bonus of {$400.00} if they open a Chencking account for {$15000.00}. This {$400.00} bonus will be paid to the depositor upon maturity of 90 days from the date of opening of the account. 
On XX/XX/2016, I opened such a checking account at the Citibank branch, located at XXXX XXXX XXXX, XXXX , NJ for {$15000.00}. The maturity date has already passed and I still did not receive this {$400.00}. So I made several phone calls to the branch manager XXXX XXXX as well as several other bankers in the bank to inquire about it. They all told me that I am qualified to receive this {$400.00} bonus and I should receive it any day. However many days had gone by and this {$400.00} was still not credited to my account. 
I referred many other people to open such account with Citibank and they all have received the {$400.00} bonus so far but not I. The following are XXXX people I referred to the bank to open accounts who have received the {$400.00} bonus, one is XXXX XXXX XXXX, Account no. XXXX and XXXX XXXX XXXX, Account No. 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 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I went through a short-sale on a home back in 2011. Upon recently trying to get approval on a mortgage for a new home, I found that the secondary mortgage ( CitiMortgage ) reported the sale to the credit bureaus as a foreclosure. The primary lender ( XXXX ) reported the sale correctly as a short-sale. I have made multiple attempts to contact a representative at CitiMortgage without any progress towards resolution. I was told, in my last communication with them, that they would not submit a change to the credit bureaus to code it correctly as a short-sale. I have all of the documentation proving that a short-sale was executed, from both lenders involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Paid the full balance due on the date the payment was due.I received a bill for the Interest for the month the I just paid for.I never had a bill that included a pay-off amount that was in correct and nowhere on the bill does it say the pay off amount is n't really the pay-off amount.I received a bill for a month of interest.even though I send a check to pay the card off.It 's a sneaky way to make Millions of extra money on the backs of Consumers who does not know.They also have a call center that purposely discourages anyone to use it because the average wait time is anywhere from 45 minutes to 2 hrs.

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 2016-07-05 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I contacted Fred Myers/cbna about my account that opened XXXX/XXXX/XXXX and closed XXXX XXXX. They have not furnished information to XXXX credit bureaus to have it removed. My 7yrs FCRA limitation is being violated. Fred Meyers said they ca n't find these old accounts, so how are you reporting back to credit bureaus if you do n't have my old information available.

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 2016-08-02 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My credit limit was reduced, due to errors on Macy 's part. I have paid off my balance month ago, but due technical issues on their end. I was charged fees, and not notified of changes. I called to get fees waived on this past Saturday, and now today I get a letter stated my limit is being reduce, which will effect my credit score. I want my credit limit restored.

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 2016-04-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I 'm being repeatedly called by XXXX XXXX XXXX about a debt that I do not owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I was excited to become a member of Citi XXXX Signature with a Costco Anywhere XXXX ( R ) card. I am happy to take part in the higher cash-back for gasoline from the old Costco credit card. The card started on XXXX XXXX, 2016 and I set-up my account online on XXXX XXXX, 2016. That is when I entered my bank account number for the auto-pay. I am also appreciative of the very nice letter that was sent to me returning my late payment fee. 
The problem that occurred is that the auto-pay sign-up did not occur properly. The next problem is that I never received a paper statement. The first paper statement I received was XXXX XXXX, 2016. The company called the first payment late after 17 day of me becoming a member after the XXXX XXXX, 2016 start date. The first bill was due without a statement being mailed. I was waiting for this statement to find due dates. 
Now that the auto-pay is set up probably ( Confirmation # : XXXX, XXXX ), the first auto-pay will occur only after the XXXX XXXX, 2016 was missed ( " Your first AutoPay payment will be made on : XXXX '' ). I have since changed the auto-pay date to be three days ahead of the due date ( Confirmation # : XXXX ). I am being charge interest for what I have already charged and will be charged interest for the next two billing cycles. With this policy, I will have to pay every week to keep the interest down. My account is now up to date ( paid on XXXX XXXX, 2016 the past due amount ) and I just made an early payment ( Payment Confirmation : XXXX ) to meet the XXXX XXXX, 2016 payment and keep the interest down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: CA

Complaint narrative:
I am getting constant calls from a company calling themselves Bay Area Credit. I do not owe anyone money and refuse to answer their calls, yet they call several times/day.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
I refinanced my 30yr fixed rate FHA mortgage in to a 15yr fixed conventional loan. My old lender Ocwen received the pay off amount on XXXX/XXXX/2015. As per HUD, The Federal Housing Administration ( FHA ) today announced that borrowers who prepay their FHA-insured mortgages will not have to make interest payments beyond the date their mortgage is paid in full. FHA 's rule, Handling Prepayments : Eliminating Post-Payment Interest Charges, applies for FHA-insured mortgages closed on or after XXXX XXXX, 2015. This rule explicitly prohibits lenders from charging borrowers post settlement interest, which is broadly defined as a " prepayment penalty '' by the Consumer Financial Protection Bureau ( CFPB ), for all FHA Single Family mortgage products and programs. 
Ocwen is telling me that they calculate the interest on a monthly basis not on per Diem basis as opposed to that above rule. They have charged me interest for the whole month of XXXX. Ocwen charged me {$1000.00} in extra interest payment for the XXXX days of XXXX, when HUD clearly says there is no prepayment penalty. 
I have written letter to Ocwen expressing my concern about the extra interest payment and they have replied me back saying that they will only calculate interest on monthly basis and denied my appeal to refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a checking account at a Citibank branch in XXXX XXXX, IL on XX/XX/2016. I was assisted by XXXX XXXX, a XXXX XXXX. My intent in opening this account was to receive their offer of a {$400.00} bonus plus a referral bonus of {$100.00}. During the application process, their computers experienced a computer glitz requiring another account to be started. The first failed account caused me problems of XXXX balance warnings and service fee notices until I contacted Citibank with the issue and this account was closed XX/XX/XXXX. Despite meeting all the requirements with my active account, I did not receive my bonus and referral fee when due by XX/XX/2016. I contacted Customer Service on XX/XX/XXXX and filed a dispute. I also reported the problem to XXXX XXXX as they recommended. She was very apologetic and found out the delay was related to the first failed account and would try to get the bonuses to me ASAP. AS of this week, Citibank is claiming that a large volume of disputes is causing a 30 day delay in processing. I would like Citibank to honor its promise to credit my account with the earned {$400.00}.

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 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank closed my account without notification. The account showed me that I was a XXXX balance and my savings was XXXX. They gave me no communication saying that they would be closing the account. They told me that I was XXXX dollars overdrawn of which I have no record of, no email, no online alert or message and no balance fluctuation online. I spoke with a supervisor who stated that he would reopen my account in 2-3 days. After 2-3 that account was not reopened and they lied to me saying that it had been more than 30 past due but in fact by their own statement " that account was overdrawn by XXXX on XXXX XXXX and closed on XXXX XXXX, which is 7 days.

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 2017-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I experienced a financial windfall after my first year of college, and wanted to repay the unsubsidised federal loan that I had taken out, before it started accruing interest. When I went to the student aid website, I learned that my loan was handled by a loan servicer, and that I could n't make payments directly, but I had no way of knowing what company that servicer was, or how to begin repayment. Navient, my student loan servicer, sent me a letter of introduction over 6 months later, and informed me I had already accrued over {$250.00} interest on my loan - even though I had no way to pay it back before they contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
This company is sending me false documents. The letters have the exact contact information and pretty much the same letter but they changed name to original creditor on the NOTICE of INTENT. Also, they stating I have not dispute and I have confirmation that they did receive my disputing letter. I also called XXXX XXXX XXXX and they are unaware of this letter. If these accounts is not deleted IMMEDIATELY from all XXXX credit bureaus, I will file a lawsuit! 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The Sears-Citi credit card website payment page understates the minimum payment due. For instance, this month my minimum payment was about {$30.00}, but a check of my account statement, downloaded from the site, listed my minimum payment as about {$120.00}. This has been going on for 6 months. As a result, I 've been paying more in interest charges than I would have if the website had not misinformed me that I owed a minimum payment that was some {$100.00} less than I actually owed. 

I attempted to resolve the issue using the website 's chat facility, and the contact did refund my latest month 's interest charges of some {$25.00}, and promised to bring the matter to the attention of the concerned department. I have n't done the math, but it seems likely that underpayments of {$100.00} per month for 6 months would put me a bit more in debt than {$25.00}, as the interest rate is 25.24 %. Before I was overdrawn, no interest was being charged at all, and after becoming overdrawn in XXXX, 2015, the interest charges were $ XXXX- $ XXXX/month, for an average accumulation of about {$150.00}.

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