vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My name is XXXX XXXX and I live in Virginia. 
Almost XXXX years back I went to service my car at a XXXX here in XXXX, Virginia. 
I was told by the front desk that I can apply for a Good Year card with 0 % and I did. 
After getting my car serviced, I was told that since I got qualified, I do n't have to pay anything at the store, however I will receive a bill at home with my Good Year Credit Card. 

I did not receive anything from Good Year for almost XXXX months and since it did not strike my mind, I too did not followup. 
I went to the same store after XXXX months and after enquiring about my previous bill, I was surprised to hear that the my case has gone to collections since they send me the bill but I never paid. 
On hearing this I was shocked because I have never done this kind of thing and its not correct. But more than that, I was shocked and surprised because I never ever received a bill from Good Year till date. ( even till date I have no communication ) I immediately went home, called good year and cleared all the bill via my debit card. 
Then I even closed that account. 

Now after these may years, the good year company is hurting my credit. I am trying to purchase a singly family house but because of this dent made by good year, I am able to get only XXXX credit score, and thus not getting loans with good APR. 

I request that since I have cleared the bill long time back and closed the account, please remove this entry from my credit please.. Honestly, this is not my mistake so kindly do not make me and my family suffer. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I have filed bankruptcy and it has been dischraged, i had my XXXX mortgage in the bk and they are still harassing me. I have told them multiple times that my bk has been dischargedbut they still keep calling all day long

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a XXXX XXXX credit card which was to inactivated as of XXXX/XXXX/16. On XXXX/XXXX/16 I purchased gas at a XXXX and charged it to my XXXX card ( posted XXXX/XXXX/16 ). I just received a CITI bill with that charge on it. I never authorized the charge on a CITI card. In addition, I never opened the envelope from CITI or activated the card. 
I received correspondence from CITI prior to receiving the card letting me know that I would be issued the card. I immediately called and requested that the card not be issued because I did not want it. I was told that the card would be forthcoming and could not be rescinded. I was advised not to activate it and just not use it and all would be ok. I have tried to call CITI, however lines are always busy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I settled a debt with Citicard previously with a 3rd party debt collector on behalf of Citicard and then instead of closing the debt they sent the remaining balance from the original amount to another debt collector who reported to the credit bureaus that the debt was a new debt. It is my understanding Citicard was under litigation for such practices and I was to report it immediately. I have a settlement letter from the first debt collection agency stating that I settled the amount. My credit was affected by this and I am extremely unhappy and would like Citicard to erase this issue from my credit report completely.

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 2015-09-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
i had citi thank you prefer credit card for 10 years. They somehow decided to close my account for their own reason. No explanation given. Only letter stated that they have a right cancel the account. I have no problem with their decision because all other credit card companies are happy to have me as a customer. My problem with Citi bank closing my account is they forfeit/cancel/kept my XXXX points. they say that they have a right to do that too. That is a rubbery, i would call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi mortgage, loan XXXX foreclosed on my home even though I had already paid over {$20000.00} ; they also arranged insurance and made money off my premiums. 
I want my money back to take care of my XXXX brother and XXXX year old Mother. 
We can barely afford XXXX bedroom apartment but sleep on chairs by my brother 's bedside.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Financial Asset Management Systems Inc
State: NM

Complaint narrative:
I went to school at XXXX XXXX XXXX in 2008. I used my XXXX XXXX XXXX XXXX XXXX XXXX that paid for school. The loan was originally with XXXX XXXX. Recently I received a letter from XXXX collection Agency trying to collect on this loan that was paid. They have put a hold on my tax refund to collect on a balance that does not match the loan amount. I believe it is out of statute for them to be even trying to collect a debt on this account. I have disputed the account requesting any paperwork that they have validating the debt and they have failed to provide evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lending Club Corp
State: AR

Complaint narrative:
I have a loan with this company that is violating Arkansas usury law by charging an interest rate that is above the cap. I will like to pay off my balance but at the legal interest rate. I have tried to contact them get the changes made. They refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a refrigerator at Best Buy and the customer representative set up the account for 18 months deferred interest. After 18 months over {$1100.00} in interest was backed charged. I did n't receive any advance notice that the promotional interest free date was ending. Not one notice was emailed or mailed to me regarding the promotion ending and the charges that would occur. I did not receive any billing statements by email or postal mail in XXXX 2016. I feel this a bait and switch tactic as there are no alerts or special notices emailed or sent to the customer after 18 months to indicate the end of the promotion. I was advised subsequently there is a 1 line small detail in the regular online statement. ( However I did not receive any emailed regular statements indicating this information ) Most customers will forget after 18 months without any reminders. I believe the interest should be removed as this is a bail and switch and I was not properly notified by email or postal mail of the change in terms. In addition they changed my billing to paperless without any notification, however I also did not even receive a regular email statement with the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-06 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have asked Macys department store to stop calling me at work on XXXX occasions now and told them I would report them if they called here again. 
The first time was this past Monday, XXXX XXXX and the rep claimed she removed my work phone number from the database. I got another call this morning and told that rep that I will file a complaint if they call here again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
Nelson and Kenard is agresively attempting to collect debt for XXXX XXXX XXXX. When I requested them to validate these debts I got NOTHING back. At the same time XXXX XXXX XXXX validate the ownership of this debt ( see attached letter ) and stated they were NOT connected to Nelson and Kenard .... Nelson and Kenard asked for financial statement in order " to help me negotiate and settle this debt '' after providing them with all of my personal information I got NOTHING back ... is this even legal to do? ... XXXX XXXX XXXX still has the ownership of these credit card debt notes and I was advised to settle with them. However Nelson and Kenard has NOT stopped harassing me, I can never speak to the same person and have to give them my personal info ss # date of birth and etc over the phone to the secretary before I can be transferred to someone .... who knows what she does with my identity and why am I required to shout out my social over the phone to someone I do n't know ... this is a violation of my consumer rights and privacy this must be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
There 's a problem with my loan. I am not behind in my payments but I may have to rescind the loan. I acquired the property in XXXX with an FHA mortgage. XXXX XXXX XXXX was then the lender. In XXXX I did a refinance and Citimortgage became my new loan servicer. 
In XXXX I applied to Citimortgage for a Home Affordable Modification Plan. When the bank did not respond to my request, I filed an application with the XXXX for help in getting a mortgage modification. At this point, Citimortgage responded and agreed to work with me on a modification program. Although I was current in my payments, they set up a Forbearance Agreement that relieved me from making the regular monthly payments for three months. I realized that they were putting me in danger of foreclosure but I went along with the program since I was on a fixed, low income and needed to reduce my monthly expenses. 
During the forbearance period, I applied to XXXX for a mortgage forensic audit to be done through the Consumer Mortgage XXXX XXXX. The auditor found XXXX serious violations in the loan documents. I called several real estate lawyers hoping to find someone who could help me investigate the errors, but none of the lawyers wanted to address my inquiries regarding the violations. 
Citimortgage did follow through with the loan modification and my monthly payments were lowered. However, I was upset that they put me back to a 30 year mortgage knowing that I was age XXXX at the time. Now I 'm looking to put my estate in order and I 'm concerned that my heirs may have problems taking over the property when I pass on. So I logged on to the XXXX web site to see what I could find. I entered my FHA Case Number as listed on the copy of the Security Deed from my current lender. When I clicked Submit, the following message came up : " No MINs can be located that match the search criteria entered. Verify the search criteria and resubmit. If you need assistance to make sure your search criteria are valid, use the link to see Help. " Under the Help link I entered my home address. Then an MIN number came up that was XXXX digit off from the number on my copy of the Security Deed, so that the MIN number on the document is incorrect. With all these violations and discrepancies, I 'm very concerned that my property may not pass on to my heirs after I die. 
I 'd like to know : Who owns the title to my home? 
Into whose account are my monthly payments going? 
What do the violations mean that were found on the forensic audit and how do they affect my loan? 
Will I get clear title when the loan is paid? 
I did not contact Citimortgage regarding these matters because I doubt that they would act fairly on my behalf. I would like someone from the CFPB to investigate and find out what my options are at this point. 

Thank you. 
I look forward to hearing from you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Bliksum, LLC
State: CT

Complaint narrative:
Received an e-mail from the company below demanding pay from a loan that I did not make. The address in the bill is different then mine and the name does not have a middle initial, also I do n't know how they got may e-mail. 

Do n't know if this company is legit. 

e-mail from XXXXXXXXXXXX XXXX XXXX ( 2 days ago ) to me XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Loan # XXXX Dear XXXX XXXX, This e-mail is to inform you that we will be debiting your account for the outstanding payment due or fees of {$290.00} on XXXX/XXXX/2016 XXXX 

Sincerely, LoanMe , Inc . 
XXXX This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I forwarded the following with all attachments of payments to this debt collector but I am still getting contacted. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 2016 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Billing Error Notice - Account Number ending in XXXX To Whom it May Concern : I have received your bill in the amount of {$3900.00} regarding a collection for the Costco Anywhere Visa Account. I have paid this bill in full to CitiBank on XXXX XXXX in the amount of XXXX with the following confirmation number : XXXX. I no longer owe any debt to Citi bank. 

Please check your records and correct my account. Also, please do not send me any more bills or call me until this matter is settled. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, 2016

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 2015-12-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FIRST HERITAGE CREDIT LLC
State: LA

Complaint narrative:
I owed a debt to this finace company.I contacted them and gave them a number to contact about my debt.I am trying to have my bills consolidated.They were contacted through my consolidaters.Since then, this woman named XXXX has been contacting people I do n't even associate with or have not talked to in years.To me this is harrasment.I do not know where she even gets their numbers from.I do n't even have there numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-18 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: Credit Protection Association, L.P.
State: NC

Complaint narrative:
The Credit Protection Association attempted to contact me to collect a 4 year old debt. They contacted me multiple times in XXXX of 2015 over the course of a single week. I told them that I required validation of the debt they were trying to collect, and that I did not want to be contacted again until they provided that validation. They contacted me again in XXXX, and I again reiterated that I required validation of the debt and to stop contacting me because they were violating federal law. 

In XXXX ( around the XXXX ) I got a call from the original owner of the debt, XXXX XXXX XXXX XXXX. After several calls back and forth, they were able to determine that I did not owe the debt and that they would resolve the issue. 

Imagine my surprise on XXXX XXXX when, still having not received any validation of the debt from the Credit Protection Association, and knowing that I did n't actually owe it, the Credit Protection Association went ahead and reported the account as being in collection to all XXXX major credit bureaus. 

Now they are telling me that they 'attempted to send me the validation ' and that it is not their responsibility to resolve this issue. They said it will be 30-45 days before they can even get the information back from the original creditor, and that they can take no action before then to resolve their fraudulent reporting to the credit bureaus. 

This predatory collector has violated several federal laws by harassing me, failing to provide validation of the debt ( no surprise because I do n't owe it ), and fraudulently reporting to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
In response to your CFPB I am sending you this. I am also filing this with CFPB. As you wanted proof and you did not include entire emails just what you chose to send. As stated XXXX did not even give me time to accept or reject the application as it was dated and sent by snail mail on XXXX/XXXX/14 and was not mailed out til next day. I did not receive it til after XXXX on XXXX/XXXX/14 I sent them an email directly after and called them and was told time had passed. This again was a violation from XXXX against the XXXX as you are to be given 14 days to accept or reject and they would not let me accept because it was after the XXXX date at XXXX so there was no time to go to bank, get notary and send. I tried multiple time to send in to agree and they refused. They purposely mailed late and then stated I did accept in time when there was no time given. Make sure you have the facts and I printed out all the emails and requests from XXXX which were obviously not used because it proves the violation right there. 

Here are the other items that you have continually not addressed as well and this is the 5th time requested. 
1 ) I have repeatedly requested a meeting with XXXX XXXX and he has never responded. To date I have left about XXXX messages with no response in past 3 months. I have yet to this date to ever have a phone conversation and have left numerous detailed messages and emails. 
2 ) I have never been allowed to access loan online and I have attached the copies of the about 15 times requested it locked me out as soon as I registered and has never given me access nor has customer service responded or helped. 
3 ) I requested appeal info from XXXX no response in 30 days and I sent in my own with tracking # XXXX ovenight. 
4 ) I have requested as per your email to have him send out another application which I will complete with higher earnings and I do not excessive obligations at all and my finances show that I can make a XXXX payment or higher and I requested other options such as repayment or forbearance and get caught up with extra payments within 6-9 months. 
5 ) So yes I am requesting a new financial packet ASAP and I have requested from XXXX but he has not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: DCN Holdings Inc.
State: CA

Complaint narrative:
On Monday XXXX XXXX, 2015, Agent XXXX called my office, scared my staff and ask my assistant to deliver his urgent message that I need to call him back at XXXX regarding a very serious issue. I called back and the operator could not reach him. On Tuesday, XXXX XXXX, 2015, he used a different phone XXXX to call me on my cell phone number which was neither given to the operator nor him. He demanded me to pay the debt owed by a person and business who I do n't even know. He claimed that the debtor and I are living in the same address, and threatened to file a complaint to the Board to ruin my professional license. Even though I explained to him that I have no business or relationship with the debtor. He rudely said that he knew who I am and threatened to take legal action, then he hang up.

Company response to consumer: Closed
Consumer complaint received 2016-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
XXXX & mary jane elliott pc obtained a judgment after i paid as agreed 18 monthly payments, then my student loans were garnished & i had to replace a furnace. I live in michigan & was unemployed for about 24 months, lost equity in home & small XXXX. I 'm XXXX yrs old. The underlying credit card ( XXXX or XXXX XXXX XXXX ) was weeks away from expiring when it was transferred, possibly sold outright so i dont know who owns it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Credit Shop, Incorporated
State: CA

Complaint narrative:
Credit Shop said my interest rate was 32.25 %. I have made XXXX payments so far as follows : Date payed Principal Interest XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What happened to 32.25 %? I would have never agreed to this type of loan! I am being ripped off.

Company response to consumer: Closed with explanation