vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I made a purchase on XXXX on XX/XX/XXXX for {$100.00}. I only use the card about once or twice a year so I did n't notice right away when I did n't receive a statement. In XX/XX/XXXX I went online to look for a statement and discovered that I was charged {$64.00} in late fees. Part of my transaction, {$26.00}, was put on my statement for XXXX that was due on XX/XX/XXXX which I never received. The remainder of the transaction was put on the XX/XX/XXXX statement and at that time I was charged a {$26.00} late fee and the {$26.00} balance was carried forward. The remainder of the transaction was due on XX/XX/XXXX but I never received that statement either. On the XX/XX/XXXX statement, I was charged a {$38.00} late fee. I attempted to call customer service but after 30 minutes on hold, I hung up. I then sent an email but was restricted to a small number of characters to describe my problem. Also I had to figure out how to send it because the system told me that I used a restricted character which I later discover was an apostrophe. It 's extremely difficult to get a problem resolved and the lack of statement being sent or me being notified that is available online is very deceptive and the due dates are vague -- -one part of my transaction being due on one month and the remainder of the same transaction being due on the following month. The late fees are extremely high -- -a little less than 40 % of the transaction. XXXX and the company that administers its card should not take advantage of its customers like this. Also once the card is paid off, you have to be wary of a reoccurring {$2.00} minimum finance charge on a {$0.00} balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Our home has been financed by Citi since 2006. We have never missed a payment or even made a late payment. In early XXXX this year I approached Citi about refinancing to gain a lower interest rate. I was quoted a rate about 1 % lower than the rate on our current loan and promptly submitted an application. The appraisal was completed to confirm there is more than ample equity in the home to justify the loan. The unblemished credit reports with XXXX FICO scores were provided and every piece of documentation or information requested has been provided. A clean title search is ready for delivery upon request. More than 3 months later Citi has still not completed processing our application for final approval and today has once again requested I provide nonsensical information that has already been provided despite its irrelevance. I now suspect it has and continues to purposely delay approval of our application in order to continue collecting the higher interest charges that have and continue to accrue. Had I even suspected Citi would handle our application in such bad faith I would have gone elsewhere at the outset and undoubtedly would have already completed the refinancing process well before now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX, 2016, a charge appeared on my credit card bill from XXXX XXXX for {$100.00}. This was for a medical facility that made me swipe my card and sign a receipt BEFORE I saw a doctor. Unfortunately, I never did see the doctor. The facility assured me they would tear the receipt up, and it would not post to my account. The charge did post to my account, and I immediately disputed it. Citicards sent me a letter saying a credit would be issued to me, and the matter would be closed. A month later, Citicards put that charge back on my account, and I have been fighting with them ever since. This is not a valid charge, and I want them to remove it. Citicards has no right to tell me I must pay a charge that is invalid. If XXXX XXXX feels I should pay the charge, then they can take me to Court. Citicards is violating my rights.

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 2016-03-18 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I HAVE A CITIBANK CREDIT CARD.TODAY, I WAS TRYING TO CONTACT CUSTOMER SERVICE. FIRST CALL WENT TO XXXX, THEN IN U.S.A., BOTH WERE NOT CO-OPERATIVE AT ALL. THE CUSTOMER SERVICE IS HORRIBLE, AL THOUGH I SPENT MORE THAN 30 MINS ON THIS CALL. I WAS REQUESTING FOR MY ACCOUNT STATEMENT FOR XX/XX/XXXX BUT THEY DENIED TO DO SO.CITIBANK HAS NO RESPECT FOR CUSTOMER

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 2016-01-26 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: GA

Complaint narrative:
INACCURATE AMOUNT OF DEBT. VERIFICATION WAS SENT FOR MY WIFE AND I. AND WAS REMOVED FROM HER CREDIT HOWEVER, THEY ARE STILL TRYING TO COLLECT THE INCORRECT AMOUNT DEBT FOR THIS HOME AFTER WE PARTED WAYS DUE TO CONTINUOUS LIES AND BOGUS PAPERWORK.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
While reviewing my XXXX credit report of XX/XX/XXXX, and XXXX of XX/XX/XXXX, I noticed that CITIBANK NA employees had initiated an unauthorized and fraudulent inquiries into my credit report. I did not authorize and/or consent to anyone employee of CITIBANK at any time during this relevant period to view my credit report, absent which this is in clear violation of my Privacy Rights and FCRA Section XXXX b ( c ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I mistakenly submitted a XXXX payment online on Saturday, XXXX/XXXX/2016. Within an hour of doing this, I called Citibank to put a stop to this payment. They assured me that they were going to stop it since it had not been submitted to the bank and my account was not credited. Today, I found my account having been debited with the same amount. They are now telling me that they can only effect a stop payment 3 days prior to the submission of the check.

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 2015-11-26 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I believe that Citi is inappropriately not allowing people to sign up for automatic payments, in order to capture more late fees. I have called multiple times to Citi and have asked if they can switch that option on as every time I try to do this online, it wo n't allow me to. I 'm repeatedly told they are not able to do help me and I have asked to talk with a supervisor multiple times and not been transferred to anyone that can help me - either by switching this option on or by helping me through the technical issues when I 'm try to do online. I have tried from different internet browsers as well ( e.g. XXXX and XXXX ), and still does not work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
, XXXX XXXX, Il, XXXX, entity number is XXXX, and the address in Delaware is XXXX, according to the CA Secretary of States XXXX XXXX. So, this company is a customer of the prepaid city payroll. I am not speaking about other Sears, but only what happened to me, that since I was added to their account, and the management kept it a secret, they had also all the powers to control it, spend it and so on. That 's explaine, why I could not get any statements from them, and was fed tomorrows. I have every check that was deposited on the statements and every XXXX says that the money were deposited into checking account, ending XXXX ( I am not going to put it here, but I will send to you ). And, of course, it was not my account, it was their account. These people, I worked for, were living of me. Shame! I want justice, and I want all the refund. Not only, how emotionally had they broke me, not even including. Thank you. Please, I will wait for your response. MY phone number XXXX XXXX XXXX. Thank you, again, with all my respects, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I just received an alert from XXXX. It says I applied for a credit card form CBNA and listed this address. I DID NOT APPLY FOR A CREDIT CARD. This is an error or stolen identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello, I received a targeted mailer in the mail ( See enclosed attached Pic # 1 ). I opened a Citigold Checking Account with that promotion ( See enclosed attached pic # 2 for promo disclosure ) for XXXX AAdvantage Miles after spending {$1000.00} on the debit card and completing XXXX bill pays in 2 consecutive months. The promotion code was XXXX. I called Citigold Customer Support and confirmed that I was eligible for the promotion before opening the account, and then after opening the account I confirmed that my account was eligible for the promotion. After completing the requirements, I contacted Citigold through a secure chat and confirmed that I had completed the requirements and that the miles would be posting to my account ( See enclosed attached pic # 3 ). The rep responding confirming that I have met the requirement in detail ( See enclosed attached Pic # 4 ) and said I will be getting my miles 90 days ( XXXX/XXXX/2016 ). After XXXX XXXX came and went, I contact Citi again to ask when the miles would post. They placed an inquiry request on my account to look into it, and I was then notified that my account was not targeted and I would not be receiving the promised miles ( See enclosed attached Pic # XXXX ). I believe Citi should honor the promotion they promised, since I was targeted, confirmed with Citi that I will be receiving the miles, then did n't. This was a very frustrating and harrowing experience for me, and Citi should remedy 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 non-monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
While on an XXXX XXXX flight, I was told of a special deal available only to passengers who would open an XXXX XXXX Citiadvantage card using application obtained from the flight attendants. The special deal granted XXXX airline miles to new account holders. There were no minimum purchase requirements stated in the fine print or otherwise. When I subsequently inquired about my XXXX miles, I was told by the credit card customer service people that I did not make the required {$3000.00} worth of purchases in the first 3 months as required. When I told them that the airline personnel handing out the applications had specifically stated that there were no minimum purchase requirements, they said that others had also made the same complaint, but that there was nothing they could do, whereupon I closed the account. This was a clear misrepresentation of the card 's terms by both airline personnel and the card issuer. There was also no stated minimum purchase requirement in the materials that came with the card. Please alert others to this deceptive business practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
TO WHOM it may concern : I am filing this complaint because ocwen my loan servicer for XXXX had approved me for loan modification I did not receive any paperwork.I then had to resubmit to them. 
have been waiting over a month to hear anything other then they are still looking at it I started this process in XXXX of 2015 with the help of law firm. 
the reason for my hardship is separation from my wife. 
I work in the construction field so I have a slow season. 
with work getting ready to pick back up I was hoping to be around the house when they make a NEW DECISION but since I was approved I was wondering why this has to be drug out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have an insurance ( insurance ) claim, due to a fire, the claim begins with XXXX XXXX XXXX, and was transferred over to XXXX Loan Servicing. 
The XXXX draw was distribute to the contractor, However he did any building,, Ocwen was informed of the matter on hand, when the loan was transferred over. I informed Ocwen again of the matter. Ocwen states that it is XXXX XXXX XXXX responsibility because the check was sent out by XXXX XXXX XXXX. And they can not act on the issue, with out Authorization from XXXX XXXX XXXX. 
Ocwen wants to know why I am inquiring of the matter, to them and they will not take any action on the matter, or assist with the issue. Per Ocwen it 's XXXX XXXX XXXX responsibility. Per Ocwen they will not do the necessary process to inquire about the XXXX, for the completion of the repairs because it is XXXX XXXX XXXX responsibility. And for me not contact them, any more. 
I received ( return ) a call from, Ocwen ( XXXX ) representing XXXX XXXX XXXX. On what they can and want do. 
Per OCC, it is Ocwen responsibility to inquire with the contractor, on the repairs. Because the loan is with them and the money is part of the Mortgage loan. 
Please see Attachments. 
Per Ocwen, they need XXXX XXXX XXXX authorization, to proceed to take action on the money. Due Ocwen need Authorization to move forward with Retrieving the Missing Money ( Funds ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I applied for a loan modification with Ocwen Loan Servicing on XXXX/XXXX/XXXX after receiving a notice from Ocwen that my payment was going to increase 80 % effective XXXX! The initial response from Ocwen was a request for additional supporting documentation. I complied with the requests and each time I submitted documentation we scheduled a meeting with a relationship manager which was typically scheduled 3 weeks from each contact. By XXXX/XXXX/XXXX the meetings with my Relationship Manager ( of which I have had 3 separate individuals instead of a single point of contact ) became petty. In this particular meeting he asked me to complete the XXXX form by adding " XXXX '' in the blank space. I advised him my XXXX tax return has been extended and I had already provided documentation of such about 30 days prior. On XXXX/XXXX/XXXX I was advised a specific section of the application only had my first and last name. I was asked to insert my middle name and resubmit. My file was then bumped out 3 weeks for my next meeting with the relationship manager. My most recent meeting which occurred on XXXX/XXXX/XXXX and was with a XXXX Relationship Manager. She was not familiar with my file and began to ask me why my application had been pending since XXXX. She placed me on hold XXXX separate times in order to familiarize herself with my account but by the end of the call she said all of my documents are older than 90 days and therefore I will need to start over by submitting a new application. I attempted to explain to her that I have submitted the same documents on multiple occasions and had it not been for the 3 week delays every time I submitted a document then the application would never have taken so long. My mortgage is still scheduled to increase by 80 % on XXXX/XXXX/XXXX and I am under the impression my application was intentionally delayed in order to capitalize on my increased payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
When I have scheduled phone appointments with Ocwen Loan servicer, the relationship manager or representative do not have access to all of my records. When I refer to an affadavit or appraisal that I submitted, the person asks me to resend it. I have uploaded to this website and the Ombudsman Office. I believe Ocwen 's Office of Ombudsman Office and the relationship managers are hostile in negotiations with me. A foreclosure was dismissed over a year ago, and I believe Ocwen has a target on my back. Ocwen refuses to fix any mistakes they made like failing to finish processing my loan with an affadavit submitted to dispel any accusations of irregularities with signatures. Recent HAMP offers only address payments and not the underwater principal loan balance. I made it clear that I already have a XXXX agreement in force and that they insist I submit new modification paperwork. I clearly marked on there that a HAMP will not fit my circumstances, an in house would need to fit my special circumstances as the XXXX was an in house agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
We bought our first home XX/XX/XXXX. XX/XX/XXXX I received a notice of foreclosure. I tried to get a modification and did so but still could not keep up with the payment. The bank resumed the foreclosure and we received a letter stating they would be selling the house. we moved and a year later we found out that they stopped the sale and the house is still sitting empty in our name. I 'm just trying to find out what options I have if any. 

After doing some research I found out that known robo-signers names and signatures are on a-lot of my paper work. 
The original loan servicer was Litton loan and my mortgage was sold multipul times, I 've lost track of how many times. 
The current servicer is Ocwen and they keep sending me a bill for $ XXXXDo i have any options besides bankruptcy?

Company response to consumer: Closed
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I spoke with a representative on XXXX XXXX, 2015. His name was XXXX and his ID # is XXXX. I called to make a payment on the account. They would only take my checking account number. I gave him the routing number for my bank - XXXX XXXX XXXX and my checking account number. XXXX. This is the same account number that I have given to other companies to take money out my account and to have money put into my account. I have had this checking account for over 10 years. XXXX even game me a confirmation # of XXXX. I noticed on a correspondence and my checking account that the payment was not processed. I called today on XXXX and spoke with rep ID # XXXX who originally told me that the payment was rejected on XXXX for NSF, I explained that could n't be true because I am looking at my account and there were funds in my account on the XXXX, how could you verify a checking account in XXXX hrs, and that I did not have any NSF fees from my checking account. He placed me on hold a little longer and then he came back with the excuse that it was n't the XXXX payment it was my XXXX payment that was rejected, I said that was not true because the XXXX payment is showing on the automatic system when you call in to my account and it was also a bank transfer - guaranteed funds. He placed me on hold again and then this time he said it was rejected on the XXXX because my bank said it was the wrong account number. So, I called my bank with the Ocwen rep on line and that credit union rep confirmed that the account number and routing number XXXX gave on the XXXX was correct, but maybe Ocwen can try putting a XXXX before everything, due to Ocwen 's system XXXX. He said he would try but if it reject again he would charge me another NSF fee. I explained that the XXXX XXXX would need to be credited to my account and due to OCWEN system issue I should not be responsible for any fees. He said no I am still responsible. There is also an {$110.00} fee on my account that XXXX on XXXX could not explain what it is for and that he said will stay on my account until the Maturity date and will not effect the principal or interest or negatively effect the account,.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I submitted a complaint on XX/XX/XXXX regarding a recast from Ocwen Loan servicing. The case # is XXXX. I received the modification agreement on XXXX XXXX, 2016. Ocwen lowered my payments for only nine months & it will return back to the amount I am paying now. As I explained in my last letter, This modification was suppose to take place months ago and Ocwen is just modifying my loan and cheating me with this bogus Modifcation. My first modification should begin XXXX through XXXX. Please research.

Company response to consumer: Closed with explanation