vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am in XXXX XXXX Bankruptcy, filed XXXX XXXX, XXXX. I tried desperately to avoid Bankruptcy but Citifinancial refused to work with me and continued to inaccurately post my payments, etc. I could not refinance because no matter how much I paid, the balance would not go down, so I did not have enough equity to refinance. So, I had to file in order to keep them from foreclosing. I communicated with CFPB several years in an attempt halt their abusive tactics and practice, to no avail. Please reference the following complaints and responses : XXXX ; XXXX ; XXXX. Their responses were riddled with a lot of untruths, which I did rebut. But the ultimate solution was never received. This brings me to my new complaint. I know that I am not supposed to communicate with them directly, so I am using this venue in order to get their spin on the situation. Just curious to know how far these people will go in using their deceptive tactics to cheat the consumers. 
Citifinancial sent me a letter dated XXXX/XXXX/XXXX, informing me that they had paid my property taxes in the amount of {$1100.00} on XXXX/XXXX/XXXX. They also asked me to contact them to discuss payment. Strangely, the letter was unsigned, but the phone number is a working Citifinancial number because I tried it yesterday. There are several problems with this letter : 1. The bill has not been paid. The taxes are included in my chapter XXXX payment plan. It is now XXXX XXXX and the property taxes still have not been paid. 
2. Citifinancial broke Bankruptcy law by contacting me after my filing date. 
3. Citifinancial suspiciously, neglected to sign the letter. 

I submit that Citifinancial wrote this unsigned letter in an attempt to harass and intimidate me into making payments to them, on a none existent debt ( they lied about paying it ), and they wanted me to make the payments outside of my chapter XXXX plan. Again, they 're using underhanded tactics by not signing the letter so that they can deny sending the letter. 
Could you please help me stop these people harassing me through their abusive tactics used in servicing this predatory. I do n't feel safe from Citifinancial under the protection of my chapter XXXX, even though thy are being paid through the plan. They are bold and corrupt because they continue to fabricate stories and avoid the strong arm of the law with their deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Applied and was approved on XXXX XXXX for a Citi Simplicity Credit Card with 0 % interest for 21 months. This is what they advertised. Today is XXXX XXXX and still have not received the card. I have called 3 times the first time on XXXX XXXX to report I still did not have the card even though I received numerous emails welcoming me and stating that I needed to activate my card. I was told it was mailed on XX/XX/XXXX (? -Holiday? do n't think so-1 hour on hold ) and I would need to wait another week. So I called back on Friday the XX/XX/XXXX but hung up after XXXX minutes on hold. So I called back again on XX/XX/XXXX ( approx 45 min on hold ) to advise I still did not have the card and he told me he could block it but there would be a {$6.00} charge to reissue it. I told him I was n't paying the charge because I never received the first card and not even sure they mailed it. He told me he would waive the fee since I am a valued customer and would transfer me to the reissue department ( another 20 minutes on hold ). The girl told me that she would overnight me a card via XXXX and I should have it no later than Tuesday, XXXX XXXX. That is today and it is XXXX and I still have nothing. I got a welcome letter in the mail today ( it was mailed to the same address that I verified with them each time I have called ) for the card they supposedly blocked. It is amazing how that arrived but still no card. I am calling once again to get a tracking number ( if they even sent another card ). So far I have been on hold for 30 minutes. They just answered he asked me my first name and I provided it told him that I need to get a tracking number and he stated one moment m'am and now I am back on hold ... ... I said H-E-L-L-O and he said yes m'am I am checking on it. But I do n't see how since he only has my first name. Put me back on hold .... now it has been 35 minutes and someone is dialing on the phone. I have a feeling they are going to disconnect me. Still no answer, great I am back on the hold music! Meanwhile my 21 months @ 0 % interest is clicking away. This starts on the date you are approved. I think they need to honestly advertise that they have no plans on mailing the card immediately so really it is more like 18-19 months not 21 months no interest.

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 2015-07-10 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: VA

Complaint narrative:
CITI FINANCE SENT ME A XXXX CANCELING THIS DEBT ITS STILL ON MY CREDITS REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I continuously tried to explain to the representative that this was NOT my debt!! I also explained to them that I am in the process of getting a home loan and it is creating a problem for me to get my loan.. Due to the fact that it was stopping me from qualifying for my home loan I just decided to pay them.. But still acknowledging it was NOT my debt! But I needed to get this house for my family I just paid them to get this off of my report.

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 2015-05-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Late with payments, made payment plan arrangement with company. Still calling me XXXX times a day even on Sundays. Have explained several times DO NO CALL ME I am on a payment plan with your company to no avail. They seem to be of XXXX descent as if they do n't understand I 'm paying your company quit calling me. Calls start at XXXX every morning Monday-Sunday very annoying at least XXXX calls per day. I do not understand why they are calling when I have made and am keeping arrangements I put in writing with the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I am a XXXX required to use my Government XXXX Card for travel. I was erroneously charged {$130.00} on XX/XX/XXXX by XXXX XXXX XXXX which provides hotel services on XXXX XXXX. I have stayed at their facility in the past, but I was in XXXX on orders on XX/XX/XXXX and had no plans or travel to XXXX XXXX. In XX/XX/XXXX, I went on official travel and paid my bill including the erroneous {$130.00}. When I noticed the erroneous charge I called Citibank to have it reversed. I saw a credit on bill and waited for a check. When I followed up I was told that my credit was reversed because I did not submit a form. They said they sent me a letter telling me about the form. I never received the letter. While I was on the phone they said they would email me the form, the form never arrived. Then the representative directed me to a website where I was able to download the form. I submitted it and my claim was denied because too much time had passed. I called customer service who referred me to the appeals department where I explained that my claim had been opened for months. Eventually she credited me the {$130.00} and that money was direct deposited to my bank. On XX/XX/XXXX I received a bill from Citibank saying I now owed them {$130.00}!!! They said they reversed my credit because they have been able to get a hold of XXXX XXXX XXXX. They said it was my responsibility to get the erroneous charge reversed! I did not make the charge. I am being scammed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-27 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a citibank credit card which has a balance with no interest. Due to XXXX I was late with XXXX payment, so to avoid this happening again I set up the amount of {$60.00} to come out of my bank account I used the amount {$60.00} as directed by a staff member as the amount should not go up due to no interest. 
I then this month noted I was being charged a late fee of {$35.00} Turns out the minimum balance that month was {$67.00} I called the bank to explain the situation and was told there was nothing they could do to take the {$35.00} off. So i was charged {$35.00} for a missing {$7.00} this is robbery.. How can they be allowed to do this for a missing $ XXXX explained XXXX times to the representative but he would not adjust the statementA late fee should be if you missed the payment not if you made most of the payment and contacted the company. I was made to feel like a terrible person. 
I tried to keep calm but did become angryAll i am asking is for the late fee to be adjusted, I have been a good customer. 
I will be cancelling the accountThank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Citibank 's Distressed Loan Department advised me to hold off seeking a loan modification for my second mortgage until my first mortgage holder ( XXXX XXXX ) had granted my modification request. Despite regular communications with Citi personnel, my loan was recently " written off '' with no warning, and turned over for collection to XXXX XXXX, which I am now being told prevents me from seeking a loan modification. I seek the reinstatement of my Citi loan so that I can file and complete the modification process.

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 2016-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Re : Our personal Escrow Account On XXXX XXXX, 2016 a new payment statement was issued by CITI Mortgage changing our monthly payment from {$970.00} to {$1100.00} beginning XXXX XXXX, 2016. CITI Mortgage indicated by their estimation only that the property tax will increase for this year of 2016. We feel the increase of a monthly payment of {$170.00} is unfounded by CITI Mortgage to cover an escrow deficit for this year of 2016. 
XXXX County of Michigan had mistakenly added {$800.00} to our summer tax valuation due to an address error. We have all of our mail delivered to the XXXX. XXXX. The mail for our tax statement was sent to our physical address. The post office returned the statement back to XXXX XXXX XXXX Department, implying that we did not live at this address. If the owner does not reside at a taxable residence, the summer taxable value is higher in XXXX County. We confirmed to the XXXX of XXXX and XXXX County that we are indeed living in our residence and always have throughout the duration of ownership.

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: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I would like Scottrade to fully and responsively address my other complaints instead of providing generic responses that allegedly relate to the XXXX XXXX, 2013, letter. Indeed, a number of the concerns I raised are wholly new issues and not addressed in the XXXX XXXX, 2013 letter, thus Scottrade 's boilerplate use of previous correspondence for materially new disputes is inappropriate.

Company response to consumer: Closed
Consumer complaint received 2015-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
Rush card sent text messages telling all customers to withdraw what ever cash they needed from there account on Sunday because they where upgrading the system and it would be down Monday from XXXX-XXXX now its. Wed and everyone cash is tied up no balance shown and even if it does you ca n't spend it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SQUARETWO FINANCIAL CORPORATION
State: TX

Complaint narrative:
I agreed to a settlement payment on an old debt and was led to believe by the collector if I accepted the settlement and paid quickly, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact on of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. 

Original Creditor : XXXX Debt Owner : CACH , LLC Debt Collector : XXXX XXXX, XXXX Original Balance : {$9700.00} Agreed to settlement : {$5300.00} Paid on 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 non-monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: CT

Complaint narrative:
I have a prepaid debit card with rush card on XXXX XXXX there was supposed to be doing some kind of update to their system and it was only supposed to last a couple of hours here it is 13 days later I 've had XXXX pay checks deposited into this account and I can not access any of my money you call rush card to try to find out what 's going on your on hold for XXXX to XXXX hours once you finally get someone they tell you they ca n't help you because their system is down but most of the time you 're put on hold for XXXX to XXXX hours to pick up and then hang up on you I have changed my direct deposit so no more of my checks will be going into this account but I would like to have access to the money that is on the card now but I called on XXXX XXXX and that was my last straw the customer service rep told me that I should change my direct deposit which I kindly inform her that I already did that I just wanted to know when will I have access to the money that 's on the card right now she told me that it could be weeks before I will have access to that money this situation has caused me and my family unneeded stress in my life my landlord is threatening to evict me before the situation happened I was a little behind with my rent I made an agreement with my landlord I would pay him {$300.00} a week until I was caught up and he would n't evict me and I was doing that until this situation happened now I have missed XXXX payments and my landlord is threatening to evict me I 'm scared that by the time this whole situation is fixed me and my family will be in the streets every customer service rep for Rush card that I have spoken to I have explained the situation to them and they do n't care why they keep saying is they sorry they sorry me sorry I do n't want to hear sorry anymore I want my money how could this be legal that they can hold your money like this and a Rush Card representatives are telling people that the cards are working and that 's a lie my card has n't worked for over 13 days and counting at this point I feel no one at Rush Card cares about me and my family I have XXXX kids that depend on me where we supposed to go if my landlord evict us I hope you can help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: SQUARETWO FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was sent an unsolicited credit card from XXXX XXXX XXXX XX/XX/XXXX. Shortly after, I was laid off from my job due to the economy and was unable to find a job for over a year so I used the card for gas & food during that time. I soon fell behind in the payments and most of the card debt was late payments and penalties. Unfortunately I had moved and I forgot about it when I started working again. CACH LLC bought the debt years later and sued me. I tried to explain my circumstances, that I was in school and did not make very much money and that I owned nothing. I 'm still driving the XXXX Impala that mother bought me when I was in high school. They refused to listen and threatened & intimidated me into signing an agreement to pay {$75.00} a month which I knew I could n't afford, but I had never had any dealings with the law so I was scared and thought I had to sign it. When I could n't pay it, they sued me. I know I have to pay it and I have been sending them {$25.00} a month but I lost my lease and had to move so I was unemployed again in XX/XX/XXXX XXXX. I worked odd, temporary jobs during that time and finally found another full time job in XX/XX/XXXX XXXX but I only make {$11.00} an hour and have been struggling to survive and catch up on my rent since then,. But I started paying the {$25.00} a month again then. But in XX/XX/XXXX, CACH froze my bank account and took my last {$190.00} out which meant I had no money for food and gas for over a week. When I read up on Florida Garnishment Rules, I saw that they are not supposed to be able to garnish a person 's salary if they make below a certain level and that includes their bank account if it can be proved that the money was income. The only money going into my bank account was my salary. I have tried to talk to them several times and even had my mother call them because I 'm not very informed about these matters, but they only say they are trying to collect a debt for their customer and wo n't agree to a lessor payment. It is not for a lot of money, only about {$2500.00} but I do n't have it and neither does my mother. She lost our house to XXXX XXXX XXXX in XX/XX/XXXX and we have both been trying to recover since then. We ca n't even afford a lawyer to fight them and feel like we are victims of the law and have no recourse against this unscrupulous company. We will pay the debt but we need time. I have told them that as soon as I can pay more I will increase the amount. But I need enough money for rent, food and gas so i can work and i do n't make much more than that. I would like to pay it in full now but there is no way i can do so. ( My Mother is writing this for me as I 'm not knowledgeable about these things ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Roquemore Holdings LLC
State: NC

Complaint narrative:
Roquemore and Roquemore has been contacting my family members and former in-laws regarding a debt that has been verified as fraudulent and removed from my credit report already. A number of years ago, a distant relative established an identity utilizing my middle and last names with alternative residence, identification, and social security information. He was then able to secure credit, a residence and even an on-going vehicle loan. I have worked diligently to have these items removed over the years. As often as I have been able to, I have contacted creditors to have statements and accounts forwarded to me for legal purposes and to contest debts. There is a fraud affidavit affixed to my credit report, as well as other protections to prevent new accounts from being established. Now Roquemore & Roquemore is calling threatening my family members and demanding that the location of a vehicle be disclosed. I reiterate that this is not my account, I do not possess this vehicle and we have no contact with the family member that committed the fraud. The fraudulent social security number ends in XXXX, which is NOT my social security number. When I attempted to call and explain this, the representative presumed that I was lying and became livid and started screaming. I asked that they provide me an address where I could submit proof of this being a case of fraud, yet she threatened that continued calls to my family, landlords, employers and the like would continue if I did not provide the vehicle. I have promptly called an attorney and had them to draft a cease and desist order. They ( Roquemore & Roquemore ) have made no efforts to validate this debt, or it would become blatantly obvious that they do not have my true social security number or name. The original creditor ( XXXX XXXX XXXX ) employed the same tactic of skip-tracing and attempted to add my full name and social security number to the account, which warranted the item being removed XXXX by the credit bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Outsourcing, Inc.
State: DC

Complaint narrative:
This medical expense was paid ( it was fee of {$160.00} ), but they sent it to a debt collector and now it has shown up as an " adverse account ' affecting my overall credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
This company is called National Credit Adjusters and they took over a loan that I paid in full through a consolidation program, however, they continue to harass my personal phone and are calling me on my work phone everyday and I have asked them to stop. I have sent them cease and desist letters from my lawyer and they continue to call. The phone number is XXXX OR XXXX - they will not quit calling and I do not owe them money. This is a FDCPA Violation.

Company response to consumer: Closed with explanation