vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Despite significant reprimands from the government, Citibank continues to screw its customers over. I am foolish enough to hold a mortgage with them, for which I pay over {$1200.00}!! PER MONTH in interest ... yet earlier this year, Citibank decided they needed to charge me {$30.00} per month for a checking account which I barely use. When I went to the branch manager to discuss the fact that I had been with the bank for over XXXX years, and that I was paying {$1200.00} in mortgage interest monthly, he refused to waive my monthly checking fee, and instead offered me a " basic '' checking account - XXXX which charges me {$15.00} for overdraft ( despite the line being attached, and which used to automatically cover overdrafts - which is what a line of credit was designed for ) and for every other " service '' they offer. The branch manager " explained '' to me that my mortgage balance did n't count because it was with a " different '' division of Citibank ... in other words, since the P & L was n't under the control of the bank management, the customer should be screwed. It 's very clear Citi should simply get out of banking because the morons running the US have no idea what they are doing. I will be closing my accounts this month. After XXXX years. XXXX XXXX, please, if you do nothing else, please get the stupid ex-Card management morons out of the banking business. They are destroying the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX XXXX, an individual fraudulently accessed my Macy 's credit card account ( Department Stores National Bank ), ordered a new card to their address, and subsequently charged approximately {$1100.00} in goods, which, since my account was set up to auto-pay the bills, was drawn from my checking account as a payment. This occurred a second time before I detected the issue, for a total of approximately {$2300.00} in fraudulent charges. After several weeks of waiting, Macy 's ( DSNB ) refunded these charges. On XXXX XXXX, XXXX, Macy 's ( DSNB ) again stole {$1100.00} from my bank account, and is not providing any explanation for why they have stolen these funds from my bank account. They have restricted my account so that I can not turn off the auto-pay feature, nor see any activity.

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 2015-09-10 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: IA

Complaint narrative:
Good afternoon, I do n't know where else to turn in regards to getting my issue resolved. Dealing with their customer service reps has been a real nightmare. It seems like everyone we have dealt with has an attitude or loves hanging up on people. I have worked in customer service for almost XXXX years and I am appalled by their customer service rep 's actions. It is no wonder there are so many complaints about your company online. 

Myself and the borrower on the loan, XXXX XXXX, went through a separation and finally a divorce in XX/XX/XXXX. During that time per the divorce decree, the borrower, XXXX XXXX, was to pay off the loan or refinance in order to get my name removed. This never occurred and he defaulted on the loan. A judgment was placed in my name because of his action- XXXX. 

A couple of years went by and I pulled my credit report which reflected the judgment that was placed. I understand I am still liable for this debt since my name was still on the loan. On XX/XX/XXXX I made a call to XXXX and spoke with a XXXX ( SP ) employee number XXXX. She said we have the option of paying {$1300.00} in order to settle the debt and to remove the judgment out of my name. 
She also stated that in XXXX days the judgment would be lifted and my credit report would be updated to reflect this change. 

I passed this information on to my ex-husband and informed him to contact the number above to pay {$1300.00} in order to get this settled. 

XXXX made the call and made a payment over the phone for {$1300.00}, which cleared his account in XXXX/XXXXOnce it cleared, he constantly called to get a letter stating the debt has been settled in order to get the judgment removed. The rep he was in contact with, never provided this information. 

I thought this was all handled and the judgment was removed out of my name. Fast forward to XXXX this is still showing on my credit report. I called the number again and was told the judgment was still in my name. The rep states she saw a large payment was made, but does n't know why. I explained to her the history above and told me to have XXXX call. 

XXXX called the following days to figure out what was going on. They informed him that the judgment was never settled and its still outstanding. He again explained to the reps the history above. They informed him there was no proof in their system that payment was to settle the debt. Since that amount, {$1300.00}, was made over the phone and there is no letter from collections or your attorneys. They stated they had no proof of that amount, {$1300.00}, was to settle the debt and judgment. 

All I am asking is for someone to look into this issue. Please pull phone calls, look at notes, etc. This has been settled and has been holding up my move.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
For the last 6- 8 months I have struggled with Bloomingdale 's credit card online system to access my account. They created a new system that locked me out of my account for around 6 weeks and I received late fees as a result. After submitting a complaint a few months later prior to me barely using the card, only to buy something in XXXX of their stores, my number was stolen and fraudulent charges was put on my account in XXXX. I was notified and they cancelled the card. The cancellation of the card / account stopped me from accessing my account until today, sending me XXXX replacement cards and opening a fraud investigation they never provided me with the statement that were need to complete the investigations. While I have been locked out with no access to statements, they continued to take automatic payments from my checking account on the fraudulent charges and not giving me the ability to cancel the automatic payments or refunding me the money. I was told no moneys will be refunded until the investigation was completed, there is also no documentation of the automatic payment made on the fraudulent charge except on my bank statement. I am beyond disgusted that they have continued to deny me my basic rights to my account and have continued to hold my money hostage under the circumstance.

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 2015-12-17 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
As of this date XXXX/XXXX/XXXX, Sears credit card has not sent me a bill in the mail and I am concerned that they are with holding so they can charge a late fee. This is a reoccurring issues with this company. They processed and cashed my check last month on XXXX/XXXX/XXXX but sent that bill out in a timely fashion only because of my filing with your organization. Again, they have yet to send out a XXXX XXXX bill. In my observation over the years, this company is quite deceptive seeks to collect late fees when in fact the consumer is not mailed a monthly bill in a timely fashion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank reversed charges of a overcharge by a merchant, only to reinstate them, and arbitrarily deny me of due process while showing proof of wiring funds to the merchant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have a XXXX mortgage with Citi Mortgage and with tremendous difficulty ( do to untrained personnel ) I was accepted into Citi Mortgages Modification program. I was mortified after completing my XXXX trial payments that over {$19000.00}. in interest was applied to my principle. The original principle amount was {$47000.00}. This " interest '' totals almost % XXXX of the original bill and by adding that {$19000.00}. to my principle itplaces my house under water by almost {$30000.00}. Citi Mortgage never disclosed that there was going to be an exorbitant amount tacked onto my loan. When I called and emailed to dispute this I was told that interest could not be removed because my XXXX mortgage was backed XXXX. I called XXXX and it is NOT backed by them. Citi mortgage has me running circles completing paperwork numerous times, placed me with many different unknowledgeable representatives whom I have to start the process over again with, and lied to me about the standing of my loan. Please help me save my home. I fell on difficult times I am not looking for a hand out ... Just what is fair. Citi Mortgage will get there interest over the life of the new loan so why are they allowed to double dip on interest and capitalize on my families misfortune? ... all while claiming to " help '' their consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31 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: First Advantage LNS Inc.
State: FL

Complaint narrative:
I have been trying to contact this company for 2 years now and they have not responded. They reported a collection on my credit but failed to notify me of the debt. When I found out about the debt via checking my credit report and disputing it through the XXXX major agencies I never received a verification of debt or any proof that the debt was actually owed. They have failed to follow the Florida Statue and took an account without verified action that debt was actually due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Contacted me at my work place on XXXX/XXXX/2015 at XXXX and I told them that I could n't speak due to me being at work and that I would contact them when I was XXXX to speak on the phone. I get a phone call from my brother at XXXX am telling me that he just got off the phone with the debt collelctor and that they disclosed who they where, what compant they work for, and that they where looking for me to try and collect on a debt that is owed and by what company the debt was for. They asked if he knew of away to contact me and that if he could pass a message along to me as well. I called them back at XXXX am asking why they disclosed confidental information to my brother and why did they contact me at my place of work. They told me that since they are collecting a debt that they can contact whoever they need to. I asked them to please not contact me at my place of work anymore becasue my manager has a problem with it and I got written up at my job because of there call. She told me that it was n't her problem and would n't explain to me where in the FDCPA that it says thats acceptable. She got very rude and nasty started to shout at me before hanging up in my face. Before she hung up on me she told me that collection methods would pressme the way that they have been doiong them and that if I did n't call them back by XXXX eastern time today that they where going to send my file to my local state office for writing a bad check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: E*TRADE BANK
State: OR

Complaint narrative:
We took out a HELOC with E-Trade Bank several years ago. We were making monthly automatic payments from our Credit Union in XXXX for many years on that loan thru a loan servicing company hired by E-Trade Bank. The name of the Loan Servicer was XXXX XXXX XXXX. In XXXX 2015 XXXX XXXX XXXX was replaced by another loan servicing company hired by E-Trade. The replacement loan servicer is called XXXX. We made a monthly payment of {$1000.00} on the HELOC as usual to XXXX on XXXX XXXX, 2015, and we believe XXXX received this payment on XXXX XXXX, 2015. AFTER WE HAD ALREADY MADE THAT PAYMENT we received in the mail a notice from XXXX that all payments after XXXX XXXX, 2015, were supposed to go to XXXX rather than XXXX. Because we had not received adequate advance notice of this change, XXXX is now demanding the {$1000.00} payment we made on XXXX XXXX, 2015 to XXXX. We can not call XXXX at all as they refer all inquiries to XXXX, the new servicer. We wrote to XXXX on XXXX XXXX, 2015 demanding return of the {$1000.00} payment we sent to them on XXXX XXXX, 2015, so we can forward the XXXX 2015 payment to XXXX to bring their account current. XXXX stills says we have not made the XXXX 2015 payment to them because it went to XXXX. As of this date we have not gotten the refund from XXXX and we do not have an extra {$1000.00} laying around to sned a duplicate payment to XXXX while XXXX is illegally holding on to our {$1000.00} payment for XXXX 2015. We 've filed complaints with CFPB against both XXXX and XXXX. XXXX refuses to acknowledge they sent their notice of changed servicer RETROACTIVELY. CFPB wrote to us and said they do n't have enough info about XXXX. We already gave CFPB all the info we have about XXXX. This is the company E-Trade hired to service our HELOC. Since XXXX is probably bankrupt or being investigated for some federal fraud related to loan servicing and it seems XXXX swooped in to take this over for E-Trade ... NOW WE WANT TO FILE A COMPLAINT AGAINST E-TRADE BANK FOR NEGLIGENTLY HIRING THE DISHONEST AND CRIMINAL LOAN SERVICER CLC WHO WILL NOT RETURN OUR {$1000.00}!!! We never told E-Trade who to hire to service their loans. That 's E-Trade 's business. We 've been screwed and E-Trade must REFUND OUR {$1000.00} IMMEDIATELY so we can forward this payment to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 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: Receivables Performance Management, LLC
State: OH

Complaint narrative:
This bill was paid on time prior to it going to collections. I had problems with the billing of XXXX from the very beginning, they over billed and continued to charge for promotional start up services that were cancelled. I began keeping some notes of when I had to go to the stores to try to resolve billing errors. The store managers would correct the bills and update the billing in the store. I would be over charged ALL the time, every bill I was being charged for services I was not receiving. I was being charged for XXXX lines I did not even have. The last payment I made, I made in full to end the relationship with XXXX XXXX XXXX. I would not have gone through all of that for the last bill to go to collections. I was told by the store manager what to pay ( because my bill I was over charged ) I paid my bill in full. It should have never went to collections, never. I called XXXX about this over and over but I always got a person in a different country who hardly understood XXXX - they would literally laugh at you when you would call them. Laugh at you, outloud, in you ear, at you about your problem. Im not kidding XXXX bit. The stores near me XXXX by XXXX were shutting down and the managers and sales people I once relied on were gone and I had no one go to for help with the bill. Now even after I had paid my last bill, I was still being billed for services I did not have. I was with XXXX at this point now and had taken the XXXX phone numbers with me and I was still getting a bill for service from XXXX XXXX and I was not even with them. I tried resolving this matter but you can not communicate with people who thinks its just a big joke. 
I dug up my notes and rewrote them, I hope you can read them. I also dug up my check book with the payment I made that was calculated at the store by the manager due to over charges. This was my last bill, my last services I had.. I should have received no more bills or correspondence from them. Our relationship was done and I was so very happy about that. it was a nightmare from the beginning. I would not go through ALL of that and then not pay the last statement - that would be just stupid of me. Ive tried disputing this over and over with the XXXX credit bureaus - nothing ever comes of it and I dont know much of an investigation they conduct in an XXXX.. 
I really hope you can help me. Please let me know if there is any other information I can provide Or if you need anything else. The numbers next to the managers names are their store employee numbers. They told me to write this stuff down. I am so glad I saved it all. If I find more information can I upload it more info? 
Thank you, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
In XXXX XXXX XXXX cancelled my mortgage policy and XXXX XXXX enrolled me as a customer. The change to XXXX was an increase in the annual premium. XXXX sent an endorsement statement in XXXX, the statement said, Premium Waived. I contact XXXX and their " rep '' assured me that there was no issue for me until the following year. 
Because I do not monitor my mortgage statements monthly, I missed that Ocwen made a premium payment to XXXX in XXXX XXXX. Despite the fact that a negative balance now existed on my escrow account, despite the fact that Ocwen knew that the premium had increased, no changes were made in the amount that was collected for escrow each month. I was convinced, based on my conversation with XXXX, that no increase was expected until renewal in XXXX. 
Surprise, surprise, in XXXX XXXX I received an report from Ocwen that my mortgage would increase by nearly {$250.00}. Of course no one wants to accept the negligence or lack of customer service. 
So, I will admit and have learn to look at every statement that comes to me from this point forward. But, it seems to me that this practice has set into motion the very conditions RESPA was meant to deter. I am not sure if this would be considered a genuine compliant, but I thought someone should be aware that this practice is being enacted by mortgage companies. 
Why did n't the negative escrow balance set certain safe guards in motion. Although I missed it, why did n't Ocwen/XXXX immediately increase the escrow to offset the debit on the account. Ocwen 's justification and answer is, " they only do escrow analysis once a year ''. But that defeats the consumer and company protection established through RESPA, does it not? 
I have already complained to XXXX about their wording. It should have read, Premium amount will not increase, not Premium waived. Even the XXXX " rep '' I spoke with recently, had to research to find the meaning of " Premium waived ''. I wish the " rep '' last year had bothered to do the same. 
I am not working, have not since XXXX XXXX. It will be a faith filled moment to see each month how the bills are paid. Thank XXXX he is always faithful, offers the most magnificence customer service, and loves me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX Credit card : received new card, but without receiving statements, nor any other notice of any kind although they had my email address, my phone and other numbers for text messaging purposes, reported myself being late. 1-Upon receiving a phone call on XXXX/XXXX/15 from XXXX about being late, I immediately on the same day made the full payment after reaching agreement that XXXX does not report myself being late and waiving late fees. 2-However XXXX did report to credit buroeus my account being late. 3 -- Subsequently I received on XXXX/XXXX/15 in damaged envelopes the previous XXXX statements which did not have any postmarks but according to USPS were damaged and therefore delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 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: Receivables Performance Management, LLC
State: PA

Complaint narrative:
Since XX/XX/XXXX, I started XXXX family plan with a 2-year contract. After this 2 year contract due, XX/XX/XXXX, I went to XXXX store at XXXX XXXX XXXX, XXXX, and changed my plan to prepaid service. But after plan switch, I found XXXX still charged me same money of the canceled plan monthly, in the meanwhile, the prepaid minutes also decreased after each use. I called XXXX customer service for several times to fix it, their representatives agreed to cancel this double charge, but an unreasonable bill which value is {$270.00} resulted from that. And XXXX sold this bill to RPM collection agency to let them collect the money from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Cascade Capital, LLC
State: ID

Complaint narrative:
Police officer knocked on my door and served me papers from Cascade Capital LLC, XXXX. Then proceeded to tell me to hand over my wallet and that all of my money ( {$2.00} which is SSI exempt ) I did as instructed and felt so violated of my privacy. Office gave me a reciept for XXXX dollars even though I told him this money was all I had to live on and that it was exempt money. I am a widowed woman, I live alone and really felt so upset, crying and felt like my rights to privacy was taken away from me. How can a company do this it is so unethical and morally wrong to rob me of my privacy. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation