vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: John C. Bonewicz, P.C.
State: CA

Complaint narrative:
Hello I have a loan serviced through XXXX that is a private student loan, it is current. However, the loan was sold and re-sold from XXXX to XXXX to XXXX bank and is back at XXXX. 
The law office of John Bonewicz ( XXXX ) Persists in calling my friends ' parents to get in touch with me.I have never resided at this address or provided this phone number as a contact number. They refuse to acknowledge that they called my friend 's parents number, a number which I do n't even know. When I called to indicate they should delete all contact numbers aside from my cell phone they refused to do so unless I acknowledged that I owed them a debt. I do not in fact owe them a debt as my loan is current and serviced by XXXX, when I spoke with XXXX they indicated that they never authorize 3rd party collection calls. 

I 'd like to know how to get them to stop calling. 

thanks, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: MA

Complaint narrative:
MyFedLoan claims to have 'one goal : to help you successfully repay your loans. ' However, 57 % of people qualified to income based repayment plans did not re-certify in time likely due to poor communication on the servicer part, to the point of negligence and with harsh, irreversible and unforgiving penalties. 

In my case, I received one single email reminder during my busiest part of XXXX. I was obviously XXXX, overworked, and more focused on XXXX than my own financial well-being. I thought I filled out the re-certification, or perhaps it was another form for public service loan forgiveness but must 've overlooked the email. FedLoan servicing ended up automatically placing me back on standard repayment and capitalizing almost XXXX in interest on top of my principal. This will end up costing me thousands of dollars because I overlooked one email. 

In our society where we are inundated with emails and reminders, for them to only send one notification about something with such severe ramifications if missed is criminal and definitely not in line with their supposed goal of helping me re-pay my loan but turning around and flippantly increasing it. Their other notifications require me to open their email, then click a link to go to their website, log into that as well then download a pdf. Multiple steps that as a XXXX I just do n't have the time to do. I am part of a group that will absolutely pay back my loans but the way the system is set up now is that only people who have financial support can possibly get into and finish medical school and residency. 

The student loan rates are out of control compared to current other average rates with no way to re-finance and it is simply impossible to work other jobs for funding during training so either we take out loans or are supported by rich parents. This is a terrible system, we do not want a society where the only people becoming the caretakers are the rich ones who can not relate to the majority of the population. 

I called multiple times to attempt to fix the issue and was told I had to go into hardship forbearance and that was my only option, however after looking online, there are people who were able to find a rare kind soul at FedLoan servicing who would help reverse the capitalization. This is no longer possible after you enter hardship forbearance, so in fact I was told the wrong information and will suffer for it. Not only will I suffer, but now part of my focus is distracted from what really matters - which is becoming a XXXX - to self preservation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I signed up for a Best Buy credit card ( probably ) 5 years ago. The bank no longer possesses records before XX/XX/XXXX so I have no official way of knowing. At the time I signed up for this credit card, there was never any mention of a debt protection service, nor was I ever charged a monthly fee for my first few purchases. When I purchased a new refrigerator in XX/XX/XXXX, it appears that somehow this service has been added to my account and I was never notified. Due to consistently utilizing an automatic payment system through Best Buys website ( which estimates how much I need to pay monthly in order to pay off my purchase within the 0 % interest time frame ), I never noticed the monthly additional charges of this unwanted service until now. I have requested my oldest statement be delivered to me ( from XX/XX/XXXX ) so that I can attempt to add up the total value of this fraudulent service 's charges. For XX/XX/XXXX the total amount I was charged was {$320.00} and so far for XX/XX/XXXX I have been charged {$190.00}. I assume that I was also charged XXXX {$100.00} for the 3 months of my purchase in XX/XX/XXXX. I contacted them at XXXX regarding being signed up for a service I never requested nor never have previously. I was informed over the phone that the service is now cancelled and that I would be mailed some information within the next 2 weeks regarding a potential refund. 

I have browsed numerous results on XXXX for the exact same issues, but most of the issues dated back to when XXXX was in control of the account. I also discovered that the debt protection service was discontinued with the cards roughly 1-2 years ago. I am very upset that somehow after the service was discontinued ( after the class action lawsuit, which I was completely unaware of ) that it was somehow set up for my account. Also, I have noticed that the amount I am charged each month for the debt protection service, that I did not sign up for, has increased steadily over the duration of my 0 % interest purchase. The oldest statement I have access to through their web service ( XX/XX/XXXX ) shows the monthly charge for the debt protection service as {$27.00} and the charge for the debt protection service on XX/XX/XXXX is {$34.00}. 

Due to this entire situation, I am at least behind {$520.00} due to fraudulent activity by my lender ( ) and am very upset that I did not catch this much sooner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XXXX XXXX, 2015 I received a letter from CitiMortgage stating The Making Home Affordable Program recently announced an expansion of borrower " pay for Performance '' incentives for eligible loans. I met all the qualifications and received the {$5000.00} which was applied to the principle. This {$5000.00} would have reduced my mortgage by $ XXXX monthly. The form to accept this offer required my signature only ( see attached ) Received my monthly statement from CitiMortgage for {$2000.00} instead of {$1900.00} ( recast ) incentive the paper work I received and phone contact from CitiMortgage all indicated I received the recast and was approved. Called CitiMortage was assigned to XXXX XXXX. XXXX XXXX # # XXXX EXT # XXXX. She stated only I had to accept the offer but all must sign the RECAST paperwork, if stands to reason IF ALL MUST SIGN TO RECEIVE THE REDUCTION IN THE MORTGAGE " ALL MUST SIGN TO ACCEPT THE OFFER AS WELL. I feel like a VICTIM OF A BAIT & SWITCH SCHEME. Please help me Im XXXX on a fixed income. $ XXXX monthly may not seem a lot to some but it is 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 non-monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank raised the interest rate on my credit card from 13.7 % to 28.99 % on XXXX XXXX, XXXX. This was done without notice and otherwise in violation of the CARD Act of XXXX which requires payments to be made over 60 days late for the interest rate to be raised. Citibank says that it left a telephone message for me but I never received one. It admits that it did not send any mail, email, or notice on the online account. Citibank believes that it is immune to United States law and can set rules and regulations as it pleases. It says that its account disclosures when the account was opened in XXXX XXXX justify the hike in interest rates, but does not dispute that such account disclosures are contrary to the CARD Act, which was adopted subsequently. Citibank justifies the increase in interest rate since the account was " delinquent for a long time '' prior to the rate increase. However, Citibank admits that the account was delinquent ( late payments but less than 60 days ) XXXX times in eight years, but says that there were XXXX late payments in six months prior to XXXX XXXX, it is justified in raising the rate. This is not the law.

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 2016-09-03 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I used my bill pay through my personal Bank to pay my credit card bill. I now have XXXX Citibank credit cards because Costco used to require that you use a Costco XXXX card, but they automatically switched those card users to a new account with Costco Citibank, when their contract with XXXX was n't renewed. 
The start of this problem was actually my mistake- I made a payment of XXXX to " citi cards '' ( because that 's how is shows up in bill pay through my bank ) on XX/XX/2016. I did n't realize, though that I had selected the wrong citi cards ( since I now have XXXX ), I wanted it to go to my citicard through XXXX - not the Costco citicard. 
I realized this on XX/XX/2016 when I got a notification from my Citibank mastercard, that no payment was received, and immediately called the number on the back of the costco card, that should n't have received that payment. Since I owed almost nothing on the costco account ( around {$100.00} ) my balance is currently a credit of over {$3000.00}. 
I explained my situationon that day, and was transferred to a lady in their financial department. She tried to directly transfer the money from my Citibank Costco card to my Citibank master card, but unfortunately it did n't work. She then took my bank information and explained that it would take 3-5 business days to transfer the funds, but the 5 business days came and went and the money was still sitting in the Costco Citibank account. I have called twice since then, to check the status, and each time the person who answers the phone acknowledges that a refund request has been submitted but it has n't been completed yet, and to call back in a couple of business 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 monetary relief
Consumer complaint received 2016-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I responded to an offer that I received from Citibank to open one of their Citigold checking accounts. In exchange for opening the account and meeting several other criteria, I would be awarded XXXX miles to my XXXX XXXX AAdvantage account. I opened the account all the way back in XXXX XXXX and met the requirements in XXXX XXXX. However, I still have not been award the miles that Citi promised and after calling numerous times, I have been lied to repeatedly by Citi with more promises to follow up with a resolution to this issue. Needless to say, the follow up phone calls NEVER come.

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 2015-11-03 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I received a summons for a lawsuit after I disputed the debt. I had my attorney send a letter stating that I did not owe the debt and why and they responding directly to me, not my attorney. They proceeded in filing a lawsuit directly against me instead of my attorney. They also refused to provide a physical address so they could be served.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 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: AR

Complaint narrative:
Case number : XXXX this case has been submitted but now the debtor refuses to return phone calls to me or my lawyer. but he also refuse to validate the debt to me also. so this is been going on since XXXX he has been game after the other. We at this point if Citi would make a offer just pay it so the game playing would stop, yesterday citi had the paid judgement remove form my credit report they do n't know which end is up or if paid or not no mention was made why they reported paid. I want to settle and move on preferably citi and can pay there attorney since they wont return phone calls or letters they may answer 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 2016-05-05 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XXXX/XXXX/16 at approximately XXXX a debt collector representing XXXX calls a third party ( my brother ) and shares confidential information regarding credit card debt that I allegedly owe to the company. The debt collector asked for contact information regarding me and my place of employment as well as a personal cell phone number. After he received my personal information the debt collector calls me without identifying himself.

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 2016-03-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was a victim of fraud charges on my Macy 's American Express card from XXXX. I filed a police report and completed a Statement of Fraud that I was asked to complete. I received XXXX documents that could be found under documents on their site : 1 ) dated XXXX/XXXX/15 that stated that the fraud investigation had been completed and the disputed charges would be removed and 2 ) that stated as a result of my inquiry that I would be receiving a refund within 2 billing cycles. I received these refunds XX/XX/XXXX via electronic fund transfer and a check respectively. 

I received XXXX statements that again stated I owed these amounts. On XX/XX/XXXX, I contacted customer service and was told to not worry that I do not owe these amounts, and that the statements would be corrected to show this. I took off AutoPay, and closed my account completely. On XX/XX/XXXX, I received a reply to my question through their site about these amounts due and was told that the investigation was ongoing (? ) despite having received the letter that it was completed but even so I would not owe any monies while the investigation continued. An AutoPay was withdrawn from my bank account on XXXX/XXXX/15 for the amount of {$2500.00} despite all this. I would like my monies back. I have been dealing with this issue for almost six 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 2016-10-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I engaged with a debt consolidation company effective XX/XX/XXXX. " The Lending Club '' who herewith in isthmus party whom the complaint is about, was made aware of this transaction by phonE, then via e-mail, then by the company at least twice and provided a copy of my authorization to speak to the debt consolidation company, XXXX XXXX XXXX. In addition, they were given ease and desist letters. 
I am still receiving letters threatening my credit and at least 2-3 phone calls each day. My account was NEVER late with them and has been in existence since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been trying to have this bloomingdales credit card that DOES NOT belong to me removed from my credit report. I NEVER OPENED UP A CREDIT CARD WITH BLOOMINGDALES. this is fraudulent and I have been trying and fighting with them and the credit burea for over a year and they will not get rid of this account and take it off my credit report. I do not know what to do. this is making me have a low credit score. I recently graduated from college and I can not get any credit due to this being on my account. 

PLEASE HELP 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 2016-07-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This is a complaint, I have had multiple phone conversations with customer service on the following issues and nothing has been resolved, they are as follows : Citi refuses to update my address, they are sending documents to a PO Box that I no longer have access to, and I have called and written in about this issue for over 4 years. 
For the last 4 months, Citi has made errors on my payment, they are debited from account that does n't belong to me, and they are giving me a confirmation # on the transaction and then reversing out the transaction without telling me. I can not get a straight answer from Citi on why this is happening. 
Because of this you are ruining my credit, I want the credit agencies notified by Citi that an error was made on Citi 's end and my score adjusted. 
I have been given multiple payment notices that are incorrect ( see attachment of 1 example ), they ca n't tell me why this is happening. 
I am speaking with the CitiMortgage Executive Office, they are not on the same system of Citi 's Customer Service Group, I am receiving conflicting information from both groups, my issue is still not resolved and we are going on month 4.

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 2016-03-18 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My son has a student loan through CITI. We cosigned loans with him. After struggling to make payments he worked out a solution with CITI and has been making the agreed to payments. The lat payment was XX/XX/XXXX. Currently, there is no delinquency on this agreed to schedule. 
XXXX XXXX XXXX alleges to be a collection firm for CITI and is trying to collect on the debt that our son is already paying. In effect they are trying to collect twice on the same debt. We are not a party to the agreement between CITI and our son. Further, I suspect that XXXX XXXX XXXX is merely a reorganization of a company that has been listed on the FTC site as no longer able to operate as a debt collection service.

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 2015-10-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Without any prior notice to me whatsoever, my AT & T Universal Credit Card account was closed. The reason was not for any other reason other than lack of use. What is disturbing is that this account has been in place since 1992, and closing an account with such a credit history has an adverse effect on my XXXX. When I called to get it re-established, I was given the normal run around to re-apply, waiting 10 days, etc. etc. Finally I agreed, gave my information to re-apply and was immediately informed by XXXX # XXXX that I was denied due to the card having a joint owner. They are refusing to reopen the card in spite of my XXXX Credit Score, more than adequate income and limited debt. Admittedly, this card is not often used as it is not my primary card. I reserve this card for international travel as the AT & T name is widely recognized. However, as the consumer I am being refused a service that has been in place since 1992. This was not an issue prior to CITI taking over the AT & T Universal account portfolio.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
i got the protection insurance on this account and the amount on my card was less then {$100.00} they keep charging me and never refund my money back and insurance protection never worked

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I applied for Citibank checking account on XXXX XXXX 2016. Since that point of time I got some emails to send the driver 's license, utility bills, address proof etc..all of this was provided to them on XXXX XXXX 2016. I got some information about my account # and routing # also ... .got my debit card also ... but till now I am not able to login to my account online. I can not even use my account. I believe more than 2 weeks is too much a time to have this kind of access? There is absolutely no chat support available and no email address where i can ask them to provide this access ... i tried calling them once and chatting with them about this issue but no success after 2 weeks also.

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