vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
This complaint is being filed against BC Services in regards to the above reference account ( XXXX ) that BC Services INC. has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION has been requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully requested several times that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that your offices have reported invalidated information to all XXXX of the major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on my XXXX credit report by your company, or companies that you represent. I will not hesitate in bringing legal action against BC Services INC. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company response to consumer: Closed
Consumer complaint received 2015-08-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Regarding Shell Account # XXXX and XXXXAccount is issued and serviced by Citibank.N.A XXXX XXXX XXXX XXXX , SD XXXX. 
I wrote a letter to the company last XX/XX/XXXX requesting a " goodwill '' adjustment to my credit report because I believe my Shell Credit card report is inaccurate. Both credit card was under a payment arrangement I requested XX/XX/XXXX, the time of my hardship losing my home and then abandoned by my husband left with mortgage, other debt and credit card payment. The agreement was automatic deduction from my CITI bank checking account in the amount of {$67.00} and {$27.00} every month for 9.9 % APR for 5 years. And when the LAST PAYMENT is due in the amount of {$10.00} they did not debited it from my checking account and resulted the negative remarks in my credit report as delinquent.How and Why is the last payment not automatically generated debiting my checking account causing all the trouble .Also, I was contacted and harassed many times a day and at work and even when the payment was made, the calls continued for many more days not until I called them back which the person who answered said that it is a computer generated call that will not stop until it is corrected. Their customer service were very poor in regards to listening to the complaints and resolving issues including their supervisor that can not answer my questions and just transferred me another person w/o informing me first and you 're back to square one in explaining your issuel.. The very sad thing is the report lasted 60 & 90 days delinquent which Im not aware until I applied for a mortgage loan after long 5 years of struggle with my debt resulting to dropping my FICO score and then rejected to get a loan. It is very unfair that after 5 years of paying in good faith, they will destroy again your life due to computer generated billing that poorly monitored and a system that last payment in an automatic deduction from your bank can cause your life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Dear CFPB, I am writing to you in regards to my credit card. My card was compromised and someone purchased {$670.00} worth of merchandise from XXXX. Therefore, the credit card company took these charges off of my card. Then, apparently the merchant repaid the charges, and the credit card company put the XXXX charges back on my account. They say I was re-embursed twice. I 'm not understanding how. All I do understand is that I 'm paying for {$670.00} that I did not purchase. I hope you can figure this out and help me. Thank you for your time. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hi - my family has XXXX prepaid debit cards issued by Citi Prepaid. They were misplaced and we recently found them again. They have never been used, but the expiry date on the cards is 2012. 
I have emailed and called Citi, but they tell me that I can not access the funds ( each card has {$99.00} on it ). They tell me that they " ended the program '' and I can not have new cards issued or the funds released. 
From reading your website it seems that they should agree to reissue the cards. Please help me understand what is going on here and why they are keeping our money.

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 2016-10-14 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Aspen National Financial, Inc.
State: CA

Complaint narrative:
The debt has been satisfied. They wo n't send a letter of deletion so it will be removed from the 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 2016-01-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I had a loan from Lending Club in the amount of {$35000.00}. It has recently been charged off and now I owe around {$37000.00} to them. 

My financial situation became dire last year due to some increased financial obligations to family members and house that we recently took over. Prior to these sudden changes, I had made XXXX successful payments on time with this current loan, as well as several on time payments with another Lending Club loan before I had it paid off. 

Due to falling delinquent around XXXX of last year, I attempted to make several arrangements to catch up but fell short. As a result of that, around XXXX of last year the loan was referred to a collection agency called XXXX XXXX. I began working with them to establish a payment plan. I was able to commit to {$110.00} dollars or so over a 20 month period just to get Lending Club some sort of payment. I made XXXX payment in XXXX. When XXXX 's payment came around, I was advised by XXXX XXXX that Lending Club already charged off my loan. When I was told that, I was extremely upset and placed a stop payment on the XXXX payment as I got tired of getting the running around from them. 

Every time I called Lending Club they they said I could n't speak to them and I needed to speak to XXXX. When I called XXXX, they could not give me any more details other than the delinquent balance. 

Today is XXXX and I have sent XXXX emails and made several calls to Lending Club ( to which I finally got a call back ). I wanted to discuss settlement options with them to alleviate the balance owed as my credit score dropped to the XXXX range from around XXXX. The settlement option they gave me was over a 12 month period for a balance of about {$24000.00}. I told the representative on the phone that I fell behind on my monthly payment of {$1000.00} and for them to expect me to pay double that per month over 12 months was assanign. I had to ask the representative the following question twice, " how can a person who ca n't pay X, now be expected to pay double the balance at Y? '' I need assistance here for this matter as I 've never had a delinquency before. I am a single income supporting my wife and XXXX children and I want to make this right. To add insult to injury, I just got into a car accident last week and I feel my car might be deemed salvaged by the insurance company given how old it is. So my only form of transportation to work might be taken away, and now that I have a horrible credit score, I would n't be able to get a car lease or a loan to purchase a new car if I wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I had a Macy'sXXXX XXXX credit card XXXX I was signed up to receive electronic bills through my bank. Macy 's stopped sending bills to my bank after my XXXX 2015 payment, but they did not notify me that they were changing their billing procedures. By the time I realized that I had not been receiving bills, the account was 3 months past due. I contacted Macy 's. They had no explanation, except to say that they had problems with their system. I paid off the account and closed it. I then contacted the Macy 's credit department to ask if they had reported my account as delinquent. They had and I was told that there was nothing they could do about it. Fortunately, I have excellent credit and it does not appear that this reporting had a negative impact on my credit rating. However, I feel that this whole incident was Macy 's fault for changing their billing procedure without notifying me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XXXX XXXX, I opened a citibank gold check account, per advertisement from citibank, I will receive XXXX thank you points after I fulfill the following requirements Do one bill pay in two consecutive months, as described above for the ThankYou Requirement. 
Make {$1000.00} in debit card purchases with the Citi debit card. This requirement must be met within 60-days as well. 
I have fulfilled those requirements on XXXX, XXXX, after that, I have contact citibank multiple times to confirm the offer, every time, I was told by citibank that I have fulfilled the requirements and the points will be posted by XXXX XXXX. 
XX/XX/XXXX, those points still have not bee posted, I have submitted XXXX cases ( XXXX. ) to Citibank, to my surprise, the letter from citibank stated that I am not going to receive the point because " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account ; To me, this does not make sense because 1. I still have the screenshot of the application page which shows that I will receive the XXXX thank you points, which can prove that the statement is not true & quot ;, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. & quot ; 2. In the last few month, I have been confirmed by multiple customer representative that I am eligible for the offer and have fulfilled the requirement, I should receive the points on XX/XX/XXXX. Citibank can confirm that by looking into my previous chat history. 

As a long time loyal citibank customer, I am very frustrated with this experience. This checking account has monthly fee of {$30.00}, I would not open this account without the bonus offer Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
URGENT REQUEST FOR IMMEDIATE RELIEF : I am a XXXX in financial distress, please help me today. Thank you. XX/XX/2016 Citi Bank agreed in writing to remove an escrow account of {$600.00} from my mortgage, and I signed the Citi Escrow Removal Agreement form and faxed it, which Citi received XX/XX/2016.The bank refuses to remove the escrow account -- claiming they need to pay my taxes of {$2700.00} XX/XX/XXXX, which was not a condition of their signed Escrow Removal Agreement. My escrow account has almost {$4000.00}., more than enough ; and Citi demands I continue paying into the escrow account in my payment due on XX/XX/XXXX. The Citi Agreement had no such conditions to the escrow removal -- is acting fraudulently, and abusively. Please help me today, I am available for a press conference immediately. Thank you so much. 
Please respond immediately to me, XXXX XXXX. Ph : XXXX, email : XXXXXXXXXXXX, address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Cit Loan XXXX. I have complained 3-times to the Citi Customer Service Dept ( after being cut off 6 times and was cut off after waiting on hold 45 minutes ) and am the victim of deceptive business practices, fraud, breach contract, and intentional infliction of 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 non-monetary relief
Consumer complaint received 2016-02-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was recently charged a {$98.00} fee by Bloomingdales for an original purchase of {$27.00} for shaving oil, due to the fact that I never received a bill. I moved XX/XX/XXXX, and although I filed a change of address with the post office, I never received a bill from Bloomingdales. However they charged me XXXX late fees even though I never received a phone call or bill. Today I checked my credit score and this bill was added to my credit as late payment. I have proof that I changed address and during this time I did receive Macy 's information, although nothing from Bloomingdales. I asked Bloomingdales to send me proof that they sent bills but have yet to receive any from Bloomingdales. The only other purchase I made with the Bloomingdales card was a leather jacket that cost over {$800.00}, and this balance was paid off with XXXX payments. Most interesting was that Bloomingdales did not even have the address that I moved from, so I find it hard to believe that they mailed me any invoices. 
I am very angry that this is now a negative mark on my credit for a small bill of only {$27.00}. I am not that silly to ruin my credit for such a small amount and would like Bloomingdales to be punished for their shady tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Called after sent written cease of comm
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Cease and decisist violation is XXXX issue along with a refusal to consider important aspects of my situation. 
In mid 2009, when I was still current on my loans, XXXX XXXX and the associated financial problems forced me to request the lender to restructiure my with XXXX Bank. This was a proactive request made in anticipation of future buget problems. There has never been a response to this request for restructuring the loan. In spite of sending the letter by Certified Mail, First Clss mail and FAX, I never received a reply. XXXX months latter I sent a follow up to those lender. I have never received a reply and the home went into foreclosure. Because my XXXX demands that I live in a single story home it had been my intent to move into this home. Now, because of the foreclosure I lost both this property, my credit rating and have been forced to spend more than {$35000.00} in construction costs to make it possible for me to live in my XXXX story home. I ca n't go upstairs and, because of my ruined credit rating it would have been very difficult to get a new mortgage. 

The XXXX reported that XXXX XXXX XXXX Solutions purchased XXXX XXXX loans for XXXX cents on the dollar. In response to the aggressive regotiations and harassment by XXXX XXXX when attempting to force me to settle, I seved by cerified mail a Cease and Desist Order. 

Presumably my loan and file were then sold on at another discount to Green Tree Services. Again after negotiating in good faith I had to point out that a cease and desist demand is in my file. They have never provided documentation to show that they actually owned my loan. As a remedy to their refusal to acknowledge the fact that I had been financialy damaged I urged them to have the matter heard by a judge. They refused and XXXX XXXX said 'That would never happen '.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Aspen Yo LLC
State: MD

Complaint narrative:
we have a construction loan since we bought the house and the land in XX/XX/XXXX first with XXXX XXXX 's Federal Savings bank in XXXX XXXX Maryland we got behind in payments after lost Job in XX/XX/XXXX and XXXX XXXX 's XXXX XXXX XXXX refinanced us to a lower interest rate to lower payments and then the other spouse lost her job in XXXX and our payments of XXXX was replaced back into our loan to catch us up but after the bank sold our loan to Gregory Funding who we think are a group of investors-that took the loan over added back the XXXX plus all the added arrears on to the loan. My husband is working full time as an XXXX and we have extra income due to my father who is a vet living with us we are now able to afford our home but after mediation with Gregory Funding they are demanding we pay the XXXX plus an extra XXXX including the mortgage payment of XXXX or they will foreclose on our home that mediation was done on XX/XX/XXXX they said they will contact us in 30 days for a final option from us it 's now XX/XX/XXXX and we are getting nervous cause we have not heard from them and we do n't want to lose our home Gregory Funding only has a XXXX XXXX XXXX XXXX XXXX we do not have XXXX in funds to catch this loan up and what they are asking from us is not workable to help us stay in our home something seems very suspect with these investors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am receiving daily text messages from Citibank concerning a Citibank credit card. 
I have no business relationship with Citibank. None whatsoever. 
I have called Citibank and asked that the text stop. Citibank acknowledges sending the texts to me, and promises they will stop. 
Citibank continues to send me texts. 
Again, I have no business relationship with Citibank. No account, no balance owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Account with ATT/Citbank Universal Card. I disputed receipt of statement but paid without but it was a few days late. They took away the promotional rate of 7.99 to 29.99 accessed fees. Despite all my attempts and payments to resolve this, they gave to attorney. I made agreement and paid the amount. My account was to be marked as closed/ paid. Attorney still filed judgement, but court also found that it was satisfied and paid. Citibank charged off " after '' I paid the agreed amount and is still trying to show it as an open balance. The account should show nothing owed. In the judgement they tried to say i received all statements and I never disputed. But all that was sent to me with each letter was a generic message that i was not entitled to a promotional amount. The judgement also had the court paying me back money. I just want my credit reports to show this is closed/paid. It should not be charged off and with a balance. Filed to have judgement vacated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
In XXXX I took a mortgage out with XXXX XXXX bank, in XXXX we fell on hard times and needed to refinance to get some money to pay my sons health care bills. CitiFinancial gave us a new mortgage where we took out XXXX. The interest rate was high but we needed the cash. When the housing market crashed we were in the position where I could not refinance to lower rate sue to the house being upside down. I struggled for many years and eventually had to file for bankruptcy. I get the house through this process. Then I had questions about home modification a few years after this, they told me that I had to wait till I was late on payments for three months before they would look at a modifications. So I did this. They said I was approved for modification, when I asked the terms they said they changed my rate from 8.125 % to 8.004 % and then took all the late payments and fees and put that in the end of the loan. I said that was not a modification, they said take it or leave it or they would foreclose on the property. So now I have a property that is even more upside down, they wont tell me who the investors are, the loan is not federally backed and I am in a position now as a single father where I cant sell my home, re finance or get a modification as they will not work with me.

Company response to consumer: Closed with explanation