vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ASTA FUNDING INC.
State: NV

Complaint narrative:
My account has been passed from one collection agency to another. The lastest one is Palisades Collection LLC. They are hard to reach and XXXX gave me a hard time and the run around. He also refused to let me speak to a manager or supervisor. He also blocked my phone number so I could n't call back. 

I originally called to negotiable a lump sum settlement for {$700.00}. I received a letter from However, I could n't complete the transaction because of XXXX 's behavior. 

I was able to speak to a female account representative who was willing to accept my offer. Unfortunately, when I called back to give her my fax number, I got XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was contacted several times by this agency, while i was at work even do i asked not to because it was compromising my job. 
I already know that this company used this unique way toward other people to get their process done.

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 2015-05-10 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Earlier this month, I set up an electronic payment from my primary checking account to make a payment on a Citi Visa card prior to the due date. I then received an email letting me know I had a secure message online ( after the due date ). I logged into my account and found a letter ( PDF ) stating that the payment was never made. In this letter, Citi had my correct routing number but my checking account number was missing XXXX digit. To correct the issue, I first tried to re-enter my correct checking account information, which Citi would n't accept since they said they already had this checking account on file. I then tried to delete the checking account information to re-enter it, but I was locked out from making changes to my banking information online. So I then contacted Citi again asking them how I should proceed. I then received another email letting me know that there was a secure message online. But when I logged into my account this time there was no letter ( PDF ) or electronic message. I also noticed that I was assessed a {$25.00} fee ( for a returned check ). And, just now, I received an email letting me know that Citi reviewed this account and lowered my credit limit by more than {$1000.00} to the point that this card is essentially maxed out. 

I feel like I am either being punished for noting an error on the part of Citi that they are trying to cover up. Or that Citi used this error ( or prompted this error ) to create a situation where I would unknowingly be late on a payment just to lower my credit limit and thus negatively impact my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received an alert that my Citibank credit card account had been compromised and to call them ASAP. When I called, I was told that a vendor I had used had been hacked and that my number was on the list of stolen numbers, and that my card should be shut down immediately. But they would n't tell me which vendor, and then they refused to send me the replacement card before closing the account -- which is incredibly inconvenient because I have many automated payments scheduled. I do n't see why they ca n't send out the replacement card with the new number before closing the old card, that would be more convenient for customers ( especially when we 're not responsible for this fraud in the first place ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp
State: CA

Complaint narrative:
Creditor participated in Unfair deceptive abusive acts or prices ( UDAAP ) by unlawfully charging me unusually high interests and fees when the account was open and after they closed the account. They violated FDCPA Laws. This inputted a high burden on me and caused me to incur high charges and fees which I did not incur. Also, this greatly affected my credit and I will like the violations committed by the creditor to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a letter in the mail from Macys saying that a credit card that I have has added an authorized buyer. I do not have a credit card with Macys and the number on the letter was a recording asking me first for my account number which I do n't have and then my SS number, then it says account can not be found and the phone hangs up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened up an checking account with Citi in XX/XX/XXXX over the phone to sign up for the {$400.00} promotional offer with code XXXX. The offer requires that I open an account before XX/XX/XXXX then deposit {$15000.00} within 30 days of account opening then wait 90 days before the {$400.00} is deposited. During the phone process, I gave the banker the account information from another bank for them to take the {$15000.00} once Citi is ready. When I finally receive the paperwork including the XXXX verification in the mail, I noticed that my name is mispelled XXXX XXXX instead of XXXX XXXX. I crossed that out and corrected it and also call it in. The person over the phone claimed that Citi will have to resend another XXXX in the mail for me to sign and will send me the revised version to my email. However, I did not know that also got my email incorrect ( XXXXXXXXXXXX instead of XXXXXXXXXXXX ). As a result, I did n't receive my XXXX until 2 weeks later. That in addition to the original 2 weeks to receive the paperwork mean 4 weeks has already passed. As soon as I receive the 2nd XXXX, I called in to ask for a fax number for me to fax in the correct form and also send it in via mail as well. Citi claimed after multi days that they did n't receive my fax so I had to fax it in again. After multiple attempts and multiple calls, Citi finally said that they have my XXXX and confirmed that my account was opened. It took another week or two before the {$15000.00} deposit was made using the original instruction from XX/XX/XXXX. I had to call in multiple times but each time the bankers said that the system should process it when it recognize the account has been confirmed. During these calls, I had asked about my promo status as I know the deposit would not make it in time. The bankers mentioned that it should not be a problem and that they put notations on the account that it was n't my fault and it was due to an incorrect name in the beginning. Since XX/XX/XXXX after it passes 90 days waiting period and with the bonus still not in my account, I have opened up multiple cases with Citi to get the {$400.00} bonus. Each case was rejected by the back office with the standard argument that I did not deposit the money within the 30 days period. The bankers that pick up the phone agreed with me after looking at my notes but all said that they ca n't communicate directly with the back office ( dispute department ) that handles these cases. The bankers thus kept on putting in new cases for me hoping the back office would read the notes and understand that I had no control over the deposit and that it was delayed due to an error by a Citi banker that opened the account for 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 monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
This debt collection law firm, sue me and won the case. My wages were garnished for 1 1/2 years, I believed ending in XXXX 2016. On XXXX XXXX, 2016 my wage garnishment started up again. I contact my employer and they said that it was sent a letter of an adjustment of my balance. The total amount that I owe in the lawsuit was {$10000.00} and my employer said that it was the same company that is taking the garnishment again. I contacted the XXXX XXXX XXXX and I was told that it was fees and that my employer may have thought they have collected the total amount. I asked them what the amount was for and they just told me fees. The original amount of the lawsuit was paid off and they are now collecting more money for fees that was not on the original lawsuit amount and did not sent me notice or information on these additional fees of {$1000.00}. I have try to contact them and leave messages, but they have not contact me back. I have originally talk to representative name XXXX regarding the situation. He told me to call my employer about the start up on the garnishment, but my employer said that it was XXXX XXXX XXXX that reissue that paperwork to my employer. I believe they are illegally charging fees on top of fees that are out side the lawsuit that was paid out. I have not contact a lawyer, but would like my money back for the garnishment they are taking out of fees that they did not disclosed to me. I believe if they are doing this illegally to me that they are doing this to other consumers.

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 2015-06-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I purchased a house in XXXX XXXX with a XXXX and XXXX mortgage. 
I was unable to make payments due to a separation from my wife in XX/XX/XXXXThe XXXX mortgage holder XXXX Citimortgage XXXX filed a lawsuit. I was neverserved, however, CitiMortgage was able to obtain a judgment for {$26000.00}, the original loan amount was {$27000.00}. I paid CitiMortgage {$280.00} per month from XXXX XXXX until XXXX XXXX which equals {$27000.00}. Basically I almost repaid the loan. Now they froze my bankaccount and are asking me to pay over {$26000.00} or $ XXXX sump with an additional {$4000.00} over a short period of timeto unfreeze my account. How can a bank be allowed to do this? Why do I hhave to pay them XXXX the amount. They should not be allowed toextort money out of deceptive loans. They made a settlement with theAG office claiming that they would stop deceptive practices. This isbeyond deceptive. I was never serve with Court documents, hencewas unable to defend/show evidence of the deceptive loan. Nowthey want to drive me to file bankruptcy or pay them. They do n't evenanswer my calls and want me to settle with their law firm XXXX XXXX, XXXX, XXXX XXXX XXXX. ) Since it appears that I have no choice I offered to pay $ XXXXper month on XXXX/XXXX/XXXX, but they did n't accept that. As a result I amfiling this complaint. This is a nightmare. Do n't wish this upon anyone. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Dear Sirs, I became unemployed in 2012 and submitted a claim under a Credit Protector insurance for my Visa and XXXX credit cards issued by Citibank. They covered me under the MasterCard and made the minimum payments. However I was denied coverage under the Visa card. Both cards were covered under the same plan. The balance was much higher under the Visa card. Accordingly I fell into arrears and sought the assistance of a non profit credit consolidation agency. Soon after the CFPB announced the issues with Citibank, I reached out to your office and mentioned my situation. I mentioned that it would only be fair for Citibank to forgive the entire amount ( at the time, {$7500.00} approximately ). Your rep suggested that I should contact Citibank with my request and let your office know if I failed to obtain redress. I contacted Citibank by phone with my request and was denied any forgiveness as I had entered into an arrangement for repayment. 
Had I not entered into such an agreement then my credit would have suffered even more, and my prospects for employment would be close to XXXX. 
I am asking for the CFPB to intervene in this matter to help me get the original balance forgiven without prejudice. You see, I fell into arrears on other bills as I was forced to make minimum payments on the Visa card. My credit score is almost back to its original level, but it would be helpful if I could get rid of the burden of $ XXXX monthly payment to the credit consolidation agency so that I can purchase a home. 
I look forward to your response.

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: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Re : XXXX XXXX, XXXX Debt Amt : XXXX Paid, Settled Amt : {$1400.00} Reason : Has not removed lawsuit submission, has not sent a letter that the account has been paid, settled, continues to bill me for {$1600.00}. 

I found out about this debt while looking up my name in the XXXX Superior Court case information website. 
I contacted XXXX XXXX, XXXX ( phone number listed on case XXXX ) and was connected to a representative, who threatened that legal action would be pursued if this debt would not be cleared. She stated that XXXX XXXX XXXX would accept a negotiated amount of {$1400.00} to clear this debt, if it was paid in 2 days. 
I paid {$1400.00} to XXXX XXXX in XX/XX/XXXX, over the phone. 
XXXX XXXX XXXX stated that they would send a resolution letter within 1 business week, stating that the account has been settled. They also stated that the lawsuit would be dropped. This is the 3rd business week, and I have not received a resolution letter & the lawsuit is still in place. Three weeks after settling this account in full, I received a letter stating that I still owe {$1600.00}. When I called XXXX, they could not provide answers regarding both the lawsuit and the correspondence letter which was suppose to be sent.

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 2016-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I receive XXXX phone calls a day from a company calling itself midland credit management or midland credit bureau. They do not leave a message but call constantly. the calls are now coming through my work computer. It usually starts with a XXXX XXXX XXXX but calls come from all over the country. It 's clearly and XXXX Call Center. They ask me for my " mc '' number for which I do not have. They then ask me for my phone number, my address, and they have also asked my for my SSN. I have previously provided my phone number thinking it would pull up and account which they NEVER FIND XXXX I have NEVER given them my home address or my SSN. I have told them to cease calling me. I told them i was calling the XXXX and ... if they are calling Me then they need to give Me the information so I can assess and determine if there is a debt. Not vice/versa. 

They continue to call and now i think they call all of my available numbers including through my computer. It is every day and up to 5x 's a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Recently I closed a citi bank credit card. It was opened for me when XXXX changed from XXXX to Citi Bank. Upon closing the card the Citi representative told me I would forfeit my reward dollars. This does not seem right. My rewards $ 's was small, but I 'm sure some people lost large dollars and in the aggregate it represents a windfall profit for Citi Bank.

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 2015-10-27 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Received a XXXX card from Best Buy I did n't request. They both had different account numbers. When I called to inquire I found that they also activated it without my permission. And worse it had a balance. XXXX showed XXXX and the other XXXX. I demanded that they Close XXXX accounts immediately. For my safety. I do n't want this to go against my credit score because of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
After moving out of my uncles house I attempted to change my billing address on the Macys website. I successfully changed my address under my profile but paper statements continued to go to my old address. Upon getting old mail from my uncle I called Macys and they explained that the billing address was not changed, that there is a prompt button at the bottom of the profile change page to change your billing address as well. Not seeing said button I believed the address to be changed and will be attaching a PDF showing that contact info under my profile does not indicate a separate billing address. I have spoke to multiple employees/managers trying to resolve this issue but they have been very unhelpful bordering on rude. They claim that my email notifications should be sufficient. Since I normally do not use this card outside of macy 's I did not expect to have a balance and the email notifications do not indicate a balance is due. 
Do to their deceptive and fraudulent business practices and unwillingness to rescind the 60 day and 30 day past due reports to the various credit agencies, my otherwise perfect credit score was lowered to the effect of paying a much higher interest rate on a 30 mortgage loan. Essentially, a missed {$88.00} payment will result in my unnecessarily paying thousands of dollars more over the course of a 30yr. mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
After a female customer service representative spoke to my son and promised him that she would refund XXXX bank related fees, she could n't complete the refunds because her individual Citibank computer unit was running very slow and after about 15 minutes of waiting, her computer system froze and that 's when she informed my son that she was going to have to reboot her computer system and she promised my son that she was definitely going to refund me XXXX bank related fees, once her computer system was back up and running but she never completed what she promised. These XXXX bank related errors ( computer system disfunction/glitch / broken promised refunds ) caused me not to receive the promised refund of XXXX bank related fees. After calling back a few days later ( yesterday ), I was just refunded XXXX of the XXXX promised bank related fees by another male customer service representative. Then to add insult to injury the customer service department supervisor who spoke to my son refused to answer the following very simple question, which my son had to ask him endlessly, " Is it a bank related error when an individual Citibank computer unit disfunction and/or glitch interrupts with a customer service related conversation between a Citibank customer service representative and Citibank customer, especially when a promised refund of XXXX bank related fees could n't be completed and/or granted by the Citibank customer service representative because of the same above referenced computer system disfunction and/or glitch???? '' The supervisor endlessly and purposely refused to answer the very simple above referenced question. The supervisor 's refusal to answer the question is another bank related error. The supervisor also refused to correctly address, acknowledge and/or process the last promised bank related fee refund, due me. Furthermore, at one point, the supervisor was very unprofessional, disrespectful, rude, offensive and impolite towards my son. The supervisor purposely mimicked and spoke to my son with a XXXX person 's voice ( very slow speaking tempo ), like if my son was a very slow speaking and understanding XXXX person. Please have Citibank provide you with actual recorded conversation between the supervisor and my son ( Date : XX/XX/2017 - Time : sometime between XXXX & XXXX ).

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