vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services
State: CO

Complaint narrative:
I have been waiting for ACS Education ( " ACS '' ) to provide a certified payoff to my new lender for over 9 months. However, ACS is refusing to do so. 

ACS currently services XXXX of my student loans. In approximately XXXX 2016, I submitted an application for a federal consolidation loan with XXXX XXXX. This was approved and all of my student loans were paid off with the exception of the loans serviced by ACS. XXXX XXXX informed me that it had requested an up-to-date certified payoff amount from ACS but was told that ACS could not provide this information due to an accounting issue. 

At XXXX XXXX ' request, I called ACS to ask about how we could clear this issue up. I was informed that ACS needed to recalculate my principal, interest, and payments to ensure they were giving XXXX XXXX an accurate and certified payoff. I was informed that this process was completed by a separate ACS department and that they did not know how long it would take. I asked to speak with someone connected to that department and they refused. For over 9 months now, I have been waiting for ACS to complete this " adjustment '' calculation and provide the payoff to XXXX XXXX so that my federal consolidation can be completed. The only information I receive is from an ACS customer service manager on a semi-weekly basis. This manager simply informs me that, " this matter is still pending and I have no updates for you. '' In the meantime, interest is still accumulating on this account and ACS is still being paid to service it. Due to the types of loans, these accounts do not qualify for certain IBR plans which was the main reason for my consolidation into XXXX federal loan. This has placed an extreme hardship on me and my family and I am considering bringing a formal action in state or federal court against ACS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: FL

Complaint narrative:
I have an XXXX Consolidation Loan being serviced by ACS Education. I filed a complaint back in XXXX and they reduced my outstanding balance by approximately {$1500.00} as they saw XXXX of the discrepancies I complained about. They also lowered my monthly level payment by {$75.00} dollars. HOWEVER, now they have INCREASED the amount of accrued interest from month to month, so that XXXX of my payment goes to principal, which was part of my original complaint! They sent an explanation in response to my previous complaint and then took other action to keep XXXX me. This is UNACCEPTABLE as it has been 14 years since I graduated from school and will end up paying $ XXXX for my education!!!!!!!!!! Please help! They have to allow me to pay off the balance so that SOME DAY it will be paid off. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Midwest Recovery Systems XXXX XXXX XXXX XXXX submitted a collection account XXXX for {$690.00} to my credit files with XXXX, XXXX, and XXXX on account that does not belong to me. I contacted the Florida Attorney General and explained the issue and was informed that this a time-barred debt in accordance to Florida statute and that I should receive notification of the validity of the debt from the debt collector. I have not received any notice and it appears that the debt collector is using tactics which violates my rights under the Fair Debt Collection Act. Please assist me in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I called last week to discuss account XXXX. I asked for XXXX XXXX but he was not, as I was dealing with him over account. I was currently, speaking with a XXXX XXXX and I asked for clarification on information on account above for payment, as your system was down. He proceeded with stating that I was in a law suit with them that has been filed. I was confused and I asked for clarification I was not aware and for what over above account. He continued to state that this is for a account I believe he mentioned XXXX and that I had to pay over {$8000.00}. I told him I was not ware and for what this money is for. He continued to state that yes I did, and I had asked for dispute. I stressed to him that no, I did not and I only called about XXXX and nothing else. I told him I did not have any information or was mailed anything. He started to be pushy to force me to pay for something I was not aware of. I told him what the large amount of money was for ( details ) and he did not want to answer and stated " MCM only files lawsuits we do n't have any other information ''. I repeated what he had just told me and he hesitated with any other information. He only stated I am in a lawsuit and I would get into in the mail in 2 days. Two days have passed and I have not received anything about his threat. I did not appreciate the bullying and threating behavior by this employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2015, XX/XX/2015 30 days past due as of XX/XX/2015, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian does not look at any of the documentation I submit. They refuse to acknowledge previous CFPB investigations and will not process any of my disputes. I have tried numerous times to submit information, but because they did not look at the information the first time, I am no longer able to dispute anything. I am completely left in the dark as far as the investigations go. They give me no information. As soon as I submit a dispute, it is instantly ( within 1 minute ) resolved and closed! They never look at any of the information or even request data from the creditor. They just mark it resolved instantly and nothing happens and nobody looks at the files I attach. There dispute system is not compliant with the FCRA and they should be penalized for there blatant disregard to legally allowed disputes under the FCRA. They make it impossible to file a dispute. I have attached XXXX example of them being involved in a CFPB investigation but not doing anything and not doing what they said they would do. They refuse to look at information I have relating to companies fraudulently removing payment information to keep bad data on my report for longer than 7 years from date of first major delinquency. They do not remove items when they are supposed to fall off and you can not dispute them to get them to remove them when they are no longer able to be legally reported. They need to be fined for violating the FCRA for not processing disputes legally and fraudulently claiming they did everything required by law in under a minute. This is the only company that you can only submit XXXX dispute per account over the lifetime it is on your report regardless of the reason for dispute. They say you can, but there is no way to do it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I signed up for a Citibank Gold Checking account under promotional offer and now Citibank is now claiming no such offer was on my account despite messages and phone conversations with their staff saying I qualified for the promotion and should receive my miles within 90 days. I have attached a message I saved from them ( which now has been mysteriously deleted from my account ) that states the promotion has been applied and all I needed to do was make another bill pay which I did on XXXX/XXXX/16. I should then have gotten my miles by XXXX XXXX 2016 but have not. I have also been getting charged a monthly service fee for keeping the account active in the meantime of {$30.00} a month.

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 2017-03-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I had a Macy 's credit card. The account had gone into collections in XXXX. On XXXX, I called and offered that I would pay off the account in full -- however, only with the condition that Macy 's agreed to then request the XXXX credit bureaus delete the account from my credit file. The agent, XXXX # XXXX told me that if I paid the account off in full, I could then submit a " credit bureau dispute '' to their office, at fax # XXXX and request a deletion, after which they would delete the account. I paid the full balance of {$320.00} and I sent the credit dispute to Macy 's office by fax on XXXX. I called on XXXX. The agent said that they completed the review, but mailed the response to my old address. I requested that it be sent to my new address. She refused. She also said that they declined my request. Thus the initial Macy 's agent falsely promised that if I followed the steps outlined, they would delete the Macy 's account from my file. It appears that he lied in order to get a commission on the payment. This is dishonest.

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 2017-02-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I never received my monthly statement for the billing cycle, and I missed my payment. My credit dropped by XXXX points for this one time missed payment.

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 2015-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Banamex USA involuntarily closed my account. I have been awaiting to receive the balance of my account for more than XXXX days. Although I am informed that a check was mailed to me, I have not received it. Now I am informed that I need to request a replacement check which will not be issued for another XXXX days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Over the past year I have been charged a monthly fee on my credit card for a service that I did not agree too. I was told It would be refunded back to me however it did not. When I would call to resolve the issue I was hung up on XXXX seperate times and ignored. This was a debt protection fee that turned out to be a scam.

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 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
We filed a complaint several months ago about our on going foreclosure with CitiMortgage. The issue has not been resolved. CitiMortgage fails to respond to any and all of our requests for a loan modification. They also do not disclose the property sale date to us at all, we always have to find out via the local paper. Also, we have reviewed the original loan documents have found a real problem with the appraisal they did on our home. We refinanced the loan we had with Citi for a lower interest rate, the appraisal was inflated by {$47000.00} in only a span of 9 months. We feel this is predatory as Citi signed off on the appraisal which was done by the same appraiser who appraised our home for the previous loan. We have attached the appraisals for your review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
There was an error with this account online. I paid it once I realized what was going on. I think there was an error with my auto pay. There should have never been a late payment with this account. There is a 30 days late payment with XX/XX/2016, there should have never been a late payment.

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 2016-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
About 6 months ago, I opened my first Citi Bank checking account. I opened this account due to a promotional offer, which after completing a few requirements promised to award me XXXX XXXX XXXX miles. I completed the requirements, including the minimums of two consecutive months of bill pays and {$1000.00} of debit transactions. Additionally, I spoke directly with a Citi representative regarding my account, and the representative confirmed that I was indeed eligible for the promotion and that I had also completed all requirements to receive the bonus miles. I have waited 4 months for the miles to post, and have still not received them. Citi has not been able to give me an estimated time of resolution for this matter either. I am quite unhappy with the way I have been treated, and would expect for the miles to be awarded as I have completed my end of the promotional offer.

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 2016-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I signed up for a Citibank Gold account with a promotion code for XXXX AAdvantage miles upon meeting certain criteria. I met the criteria and was denied my miles because I was not targeted. I should have been told the promotion code was not valid for me, instead of being lead on for 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 monetary relief
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC
State: MS

Complaint narrative:
360 Mortgage has submitted a debit to an account that I did not authorize. The representative took my payment over the phone and was to debit my checking account ending in XXXX from XXXX Bank instead there were XXXX debit transactions made XXXX from my XXXX account and XXXX from my XXXX. I was charged a {$36.00} Insufficient fund fee from XXXX for this and was reported 30 days past due on my mortgage account by 360 Mortgage which was not authorized to debit this account for my XXXX mortgage payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have paid the agreed settled account 60+ days ago and the refuge to XXXX out the account and update my credit reports

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 2016-03-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
On XXXX XXXX, XXXX, I mailed the following to Fraud Claims Department, AT & T Universal Card, XXXX XXXX, XXXX XXXX, XXXX XXXX. As of today I have never received an acknowledgement or a response to my letter and claim. 
I was instructed by Customer Service to mail in the details of the charges that I am disputing as fraud. Please find enclosed a list of all charges that I am disputing. I have never conducted business with XXXX XXXX XXXX. This charge took place more than two hours from where I live in XXXX, XXXX. 
I did not initially identify this transaction as fraud because I am XXXX and XXXX. I, therefore, require assistance. Unfortunately, I only did a cursory review of my statements and obviously not a detailed and thorough analysis because of the medical conditions that I was experiencing at the time. 
I was unaware of the extent of the fraudulent charges especially since I was using the card at the same time and my primary method of reviewing the statements was by phone and not all of the relevant information was available to me, such as the city where the charges were made. Furthermore, my bill was due and I wanted to avoid late charges and extra interest and to maintain the good standing of my account. 
I am certain this transaction is fraudulent. I had to provide an agency with the last twelve months of statements. The agency was only concerned with charges relevant to them. As I was omitting non-relevant charges I discovered a fraudulent charge in XXXX, XXXX, on a different credit card from a company I had never heard of. This prompted me to examine all of my past records/statements for all my credit cards. With assistance and hours of close examination of all my statements I discovered charges for XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX ( charges to a utility company that I had never had an account with, done business with, nor resided in that city ).

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 2016-02-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had made the required payment for my Citi account and they still continue to call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hi, On XXXX/XXXX/XXXX I charged {$86.00} worth of merchandise at XXXX. Due to no bill coming in the mail or the computer email reminder stating this bill is outstanding, I forgot and failed to pay the original balance of {$86.00}. I received a call from a collection agent XXXX XXXX, XXXX informing me my bill is PAST DUE and outstanding and I owe {$200.00}, I asked why I was now being informed the cost is {$200.00} and I was not notified by written or email the original balance {$86.00} was outstanding. I asked for the dates XXXX notified me and the collection agent XXXX on XXXX/XXXX/XXXX could not provide dates I was supposibly notified ), I explained what happend and I was sorry I overlooked the {$86.00} charge, however I did not receive a statement by mail or email and could not understand why I was not notified. I immediately paid the {$86.00} and XXXX late fee to the store directly, I had no help from the collection agency so I called XXXX directly to explain the situation. XXXX representative was able to see the payment from the original purchanse and XXXX late fee and was able to credit fees and interest that were adding up after the payment was made. I was still receiving statements with late fees and interest on the late fees after my call. On my final call to XXXX customer service supervisor on Tuesday XXXX XXXX, XXXX XXXX waived the additional fees and explained the situation is closed and I should not receive any other bills reflecting the late fee and charges. XXXX reported to my Bureau as if I was consistantly not paying and it dropped my score considerably. I am requesting this derogatory tradeline be deleted from XXXX, XXXX and XXXX. 
Thank you for taking the time to investigate.

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 2016-05-03 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank is using past contact about fraudulent use to induce card members to fill out their survey. I almost filled out the survey because I thought the fraud warning required it. I was almost duped! This is deceptive!

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 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
We place our condominium in XXXX RI on the market XX/XX/XXXX. The best offer was {$85000.00} -- well below the {$120000.00} we owe the mortgage holder ( Citimortgage ) so we applied for a hardship short sale, based on this extreme loss of value and my impending unemployment from my company of 15 years. 

It is now XX/XX/XXXX and we still have had not decision by the bank. They have requested the same documentation from us at least 4 times in the past year ( XXXX, pay stubs, self-employment income, etc ) and have repeatedly sent us offers for " trial period '' payment schemes that provide no interest rate, term of loan or outstanding balance. 

We have a short sale attorney working for us, but they too have been unable to get responses from the bank despite many many requests for resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief