vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-09 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: Media Collections, Inc
State: VA

Complaint narrative:
This is a debt due to a day care payment dispute. We had to withdraw our daughter from XXXX XXXX VA when the center was disqualified from the military/ XXXX child care subsidy program due to repeat violations. The center was mismanaged and we were never informed we had any kind of balance until I received a letter from XXXX 's corporate billing office. I immediately called to question the {$930.00} balance and was told I 'd have to speak to the director for the center- she was the only one who could adjust the billing. I immediately called and was told she was not available but the assistant director XXXX would look into my dispute and get back with me. I never heard back from her. The next correspondence I received was notification from a collection agency. I again called the center and was then informed the center director was on leave. I further disputed the balance, but the acting director has not been able to address my concerns- she advises she does n't have the knowledge or experience. She referred my ledger to another center 's director who removed XXXX charge but did not address or adjust anything else I disputed. No one seems to be able to own this or wants to assist me. I feel this is some sort of retaliation for having to withdraw our daughter from their center due to their disqualification from receiving the military subsidy. I 'm disputing the amount they say I owe, and would like a response to my questions about some missing subsidy payments from the XXXX Child care aware, as well as the vacation weeks we should only have needed to pay half tuition. Please help, I am anxious to have the collection account in my name closed and removed.

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 2016-01-11 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a 30 day late on my credit report from Citibank/Home depo account. I strongly feel this was not accurate. I did n't receive notice from Citibank that they had not received my auto pay payment. When they finally called I Immediately paid account and requested this to be refunded as I had no knowledge until they called. They confirmed this, and refunded late fees. To date, I have not been late and acutally paid account off. I recently spoke with supervisor at Citibank, who received my prior CFPB complant, and said he applogized as he understood why Im frustrated and was willing to help me with an fees but since account is paid in full, there was nothing he can do. He did not have authority to remove off my credit since it was already reported. I asked if there was anyone else to speak with, and he said no. Therefore, I again am filing a complaint as I do not feel I should have a negative on my credit reporting due to an auto pay not being complete and Citibank/Home depo admitting they did not contact me till after the 30 day mark advising it was not received and agreed to reverse all fees, but not take of my negative on credit. Please remove the negative mark on my credit report

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

Complaint narrative:
XXXX of 2014, I was behind on my payments. I was awarded proceeds from my divorce. Before divorce, former spouse was the only source of income. I contacted Citi, in regards to me account. During the phone conversation, I requested for the late charges, as well as as late remarks on credit reports to be reflected as " never late ''. The customer service rep agreed to this. I then commenced to pay the back charges, and the account was " reinstated ''. From that date forward, this account has since been paid and closed. I decided to close this account, due to personal reasons. I have received several mailings, from this company, as well as my request for an an investigation, as per the Fair Credit Reporting Act. I received a letter stating they will no longer communicate with me. This, to me, is their way of stating " We got your money. Have a good day. '' I am highly offended by their comments to my latest request.

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 2015-06-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Since XX/XX/XXXX I am trying to fix this account, my id was stolen with XXXX credit card, XXXX credit cards re-open my account with a different account # they used all my credit cards, XXXX, XXXX, home depot, sears, XXXX all my ID was stolen and used my credit cards I emailed many forms to office depot and I reported all the credit frauds to XXXX and credit cards company they still used my credit information as US citizen we deserve better protection I told them to put a fraud alert and to freeze my credit and they still used all my ID they did all the purchase and they even asked for ID when they were using my ID? I have all my statements the last statement dated XXXX XXXX I paid {$190.00} check # XXXX dated XX/XX/XXXX then I found out this was up to XXXX? these are unauthorized charges I called this XXXX I told them about the fraud called back in XX/XX/XXXX I wrote them a letter to get my balance and to report the fraud and never did anything see attached documents please i need help I was going thru a difficult divorce going to counseling taking my son to counseling and then I lost my job of 15 years then going thru a difficult divorce XXXX, I never had time to take care of this issue since I reported the ID stolen to experian and told them to put a fraud and freeze my credit and lost job never thought they were going to use my ID my social and my US citizen papers, I even wrote a letter to a Lady XXXX XXXX and talked to XXXX XXXX I think his last name is I do deserve better consumer protection. I will paid my balance but not for unauthorized charges when I told them to stop my ID my social etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I went to a local CitiBank office located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX to move forward with PMI removal. The banker stated he was not aware of how to get this completed but would put me on the phone with a mortgage specialist. I was led into one of the offices at CitiBank and he put me in contact with a mortgage specialist via phone to CitiMortgage, who informed me that he would have someone get in contact with me who would be able to assist me with this request. For a month, I had not heard from anyone from CitiMortgage. This is not the kind of customer service I have been provided in the past ; I have been a loyal and timely customer for a decade. 
On XX/XX/XXXX, I called into CitiMortgage and was informed by the CitiMortgage representative that the PMI was removed. When I called XX/XX/XXXX to confirm the PMI was removed, I was told the opposite. The CitiMortgage representative now stated the PMI had not been removed and my rate had adjusted which was the reason my payment had gone down. They further informed me I would be required to fill out paperwork and have an appraisal completed even though the balance is under XXXX % loan to value. 
Per the Homeowners XXXX XXXX of XX/XX/XXXX, I have a right to request PMI removal once the unpaid principal balance reaches XXXX percent of the original value based on the current amortization schedule and having paid the mortgage on time without an appraisal. I purchased my property in XX/XX/XXXX, at an appraised value of {$430000.00}. My current unpaid principal balance is {$340000.00}, less than XXXX percent of the original value. CitiMortgage informed me that my PMI was removed as my payment had gone down. Only when I called in the following month did CitiMortgage then reneged on their previous statement. I have complied with my obligations and have paid my mortgage on time with additional payments to get it under XXXX % loan to value.

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 2017-01-03 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
i had a XXXX account connected to my citi gold credit card, the account had around XXXX aa advantage miles, i had trouble logging in to the XXXX account so i called up XXXX and they said they shut down my account. first of all i was never notified about it and i have not done anything against the terms and conditions to earn those miles.

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 2016-10-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I took out a signature loan with " Citi Financial '' in XXXX. I had trouble paying back this debt when the economy was in a down spiral. CitiFinancial after so long of not being able to pay had retained an attorney XXXX XXXX XXXX in XXXX Georgia. Afterwards XXXX XXXX XXXX attorney at law had drained my bank account to the negative of checking and savings tour around negative {$23000.00}. This was on a loan that was paid down to. {$8700.00}. Not only that XXXX my tax returns were confiscated 4 for over {$3500.00} each for two years. I paid payments to XXXX XXXX XXXX for the remaining balance. I got a check returned to me that at the bottom said " refund on closed account ( no hold ) ''. I was no longer contacted by anyone else on this matter because the debt was paid in full. Now it is XXXX of XXXX and on my credit it shows that I owe {$11000.00}. The debt was never wiped clean off my credit and I still have a judgement against me after debt was paid.

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 2016-07-25 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a Best Buy Credit Card. I use the paperless option and so receive monthly notice that a payment is due and the balance is given. I generally go into a Best Buy to pay the bill. ok. I purchased an XXXX computer product for my girlfriend at XXXX ( XXXX ) XXXX on occasion I purchased a few items on the credit card. Along the way I forgot that the 2014 purchase was a 'promotional ' which deferred the interest rate. I have never seen anywhere what the standard interest rate is. After much yelling I found it is 28 %! wow. 
So, the problem now is that they added the accumulated interest on the account and my balance now is the same as it was in 2014 - - I am not even sure if any money that I 've paid for the past year and a half have gone toward anything! I will not go back and tally up what I 've paid and the customer service supervisor ( XXXX in Idaho ) allowed me a few weeks to take care of the remaining balance. My main problem with all this is - - it is a predatory lending practice - - the statement does not show what is promotional or regular and I was not aware ( been very busy this past year ) that the promo was ending. Nothing on the statement alerts or lets me know. That is wrong. Even the new concept of showing the customer the effects of only paying the minimum balance vs. more each month is not illustrated on the ( online ) statement. He said if I were to download and then print the monthly statement it would say all that. I say that all pertinent info should be shown on all statements - online or downloaded or in the mail. The bank that Best Buy uses is Citibank. I really appreciate this form and thank you for listening.

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 2016-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I wrote XXXX and asked for legal validation of this upon discovering the collection on my credit reports in XXXX 2014. They have never responded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citicards has been attempting to submit an unauthorized electronic payment out of my checking account two times in the past two weeks This has overdrawn my checking account both times. I called once again today to get the matter straighten out and I was told they were not able to stop the payment and a third unauthorized attempt is going to be made which will once again overdraw my 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 explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
i hired all star moving company from XXXX to XXXX XXXX to pick up my goods on XX/XX/XXXX, i paid XXXX % ( XXXX ) as a advance, but then i found out that they have very bad reviews, and bad reputation with XXXX, so i called them to cancel and refund my money, they refused to refund the money because it is not refundable according to contract, then i called my credit card company for a charge back, they put the money on the side but advised me to work with merchant anyway, so i called the mover ( XXXX XXXX ) they insisted not refunding the money, but they insisted to show up to pick up the goods, so i hired another moving company ( all city movers ) and they charged me {$100.00} advance so i booked them, for XX/XX/XXXX thinking that if all star shows up on XX/XX/XXXX i will go with them and will cancel with all city and will loose {$100.00}, but surprisingly all star never showed up on XX/XX/XXXX, i thought they are not interested to fight the chargeback and moved with all city movers smoothly to houston, now after 2 months city bank revered the charge in merchants favor, i called several times to citibank i just got one call back from citibank and she said that because i signed on a not refundable deposit so i should not get any money, but i do not understand that when a moving company does not show up for the job they were supposed to, how can take XXXX % of the money, yes i called to cancel it but mover did not accept the cancellation, and kept insisting that they will show up according to the contract and i waited all day for them, but they never showed up, plus this company charged XXXX % as a deposit that showed their bad intention, because the other company charged only XXXX % as a deposit, it was a red flag which i did not catch, but even charging that big money they did not bother to show up, so i think that citibank is wrong to reverse the charges in favor of merchant, first of all this is not a merchant, it is a mover ( a service company ) but they did not provide me any service according to the contract and still rewarded for XXXX, it is a big loss to me without getting any thing on the other hand, i hope you will ask citibank to reverse this in my favor, my name is XXXX XXXX XXXX XXXX XXXX XXXX and my phone is 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 2017-01-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have had a credit card with Macy 's for years. Unfortunately, XX/XX/XXXX, I did n't receive my statement. I received a statement XX/XX/XXXX and I paid it immediately XX/XX/XXXX, but the following month Inoticed I had late payment on my credit report. I feel this late payment is unfair due to nonreceipt of statemen. I have had this account since XX/XX/XXXX and have no other late payments except for this one. I have been trying to get Macy 's Card Services to correct this predatory act for almost 2 years to no avail.

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 2016-09-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: IA

Complaint narrative:
XX/XX/2013, I cosigned for a vehicle for a boyfriend on mine. The loan is through Santander consumer USA at 26.29 % for the amount of {$11000.00}. I ended parting ways with this said boyfriend and long story short, I have had the vehicle and have been paying on it for most of the loan. I have requested several times for them to send me statements, they never have. I finally figured out how to log into my account on their website ( trying to figure out how to pay off the loan ) and I noticed that my balance as of today is still at {$11000.00}. Confused, I looked at the payment history and come to find out, over the course of 3 years they have only applied {$160.00} towards the principal of the loan. To date I have paid {$10000.00} in interest. They charge a late payment fee of $ XXXX/month. I have been late on several payments and of course there have been some really rough times. There were several times in the life of this loan I have called them and made payments larger then my payment amount and have even asked their representatives if I was caught up. Their answer had been yes, so I did n't think anything was majorly wrong. When first contacting them about my discovery, the first representative just kept telling me it was because I was usually late on my payments. I ended up getting transferred to a manager and she placed my complaint with their " presidential office. '' I asked for that number and she refused to give it to me, however I did get it in an email, and I spoke with them today. I asked several times why they have never applied anything to my principal and his only answer was that it was how I was making the payments. He argued with me for probably an hour. I tried to get him to see that with the interest that I 've paid to date that they were not charging me the 26.29 % interest that is in my agreement, that in fact they have charged me close to 89 %. All I got was the same answers. I asked him how much they have charged me in interest ( $ ) for the life of the loan so far. He only said that their systems do not calculate that and that all he could see was the amount that I 've paid in interest. I 'm behind on a payment again and I 'm torn between letting this car go back or not. I do n't want it to hurt my credit more than it already has, I ca n't get answers out of them, they are not willing to work with me. I asked that man today what he suggests I do in order to get the vehicle paid off, his response was the only way I could would be to make two payments a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, a finance adviser at XXXX XXXX XXXX confirmed an approved vehicle loan application with XXXX XXXX Bank in my name. That day at the dealership, I was given a XXXX XXXX Bank Note to sign and I was able to leave with vehicle. I actually signed XXXX loan notes at the dealership, the XXXX note was signed on the XXXX and the XXXX note was signed around the of XX/XX/XXXX. XXXX the notes were dated for XX/XX/XXXX and XXXX XXXX XXXX XXXX the only listed lender. However, awaiting for XXXX XXXX monthly payment statements. I received a demanding letter for payment from a different bank Santander. I was suspicions that this was fraud and a scam, because listed on my vehicle title as a lien-holder was only XXXX XXXX XXXX and the finance adviser at XXXX XXXX never mentioned Santander. I sent notices to both banks demanding for answers. For months, I was unsuccessful in finding clarification. Without a court order or notices my car was illegally repossessed by XXXX on XXXX. About three months later a letter dated for XXXX, was sent by a XXXX specialist, XXXX XXXX she stated that my loan application was declined on XX/XX/XXXX, and the bank routed my declined application to Santander for approval. I did not authorize this transaction and I was denied the right to declined Santander 's loan offer. Santander illegally repossesses vehicle all the time for a profit. There is a case against them now. United States of America vs. Santander Consumer USA. Furthermore, the dealership never asked for the car back, I never received any notices of explanation from XXXX XXXX Bank or the dealership before or on XX/XX/XXXX stating that my loan was declined. Both banks and the dealership have been deceptive with the loan transaction and XXXX XXXX Bank is still currently listed on my vehicle title. Also, I have letters from Santader contradicting XXXX XXXX Bank claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cornerstone Mediation LLC
State: TX

Complaint narrative:
Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them {$1200.00}. A man named XXXX XXXX is calling me stating that I have to appear in court.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed