vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Media Collections, Inc
State: OK

Complaint narrative:
This company has been harassing me. They call anywhere between 3-5 times a day and make threats of legal action and has used profane language.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have private loans with both XXXX and Citibank and a federal loan with XXXX. My payments for all XXXX amount to {$1100.00} per month ( though only {$120.00} of that comes from my Federal loans ). I am a XXXX and only make {$20000.00} a year, and I have been having a lot of trouble making my payments and paying my rent at the same time. For the past 4 years, I have tried to remedy this situation, first by attempting to contact my private loan companies ( they claim that there is absolutely no way that they can change my 10 year repayment plan to a 20 year repayment plan, even though they currently offer the 20 year repayment plan to other clients ). They instead suggested that I could consolidate my loans through another lender, and so I have attempted to do so through XXXX different companies, first through XXXX XXXX and then with XXXX 's Bank. My father, who was my co-signer on the original loans, passed away, so it is no longer an option to apply with him as my cosigner. I applied first with my grandfather as my co-signer, and then my uncle, both of whom have fantastic credit scores and substantial income. I was turned down XXXX, based not on my credit score ( which at the time was in the high XXXX ) but based on the fact that I am a XXXX and do n't have " provable income ''. 

So, I am at my wit 's end. I can not afford to pay the sum I am being asked to pay per month while still paying my rent and buying groceries. My loan companies refuse to work with me to help me with the repayment and so I am currently two months behind. I have no desire to be a delinquent borrower, but the system has left me no choice. I 've exhausted all other options, and so I 'm praying that you might be able to help me in some way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I APPLIED FOR A MACY 'S CREDIT CARD AND PURCHASED XXXX ITEM WHEN I GOT MY APPROVAL IN THE AMOUNT OF {$53.00}. I WAS INFORMED THAT I WOULD RECEIVE MY CARD AND THE STATEMENT IN THE MAIL. I WAITED AND WAITED AND DID NOT RECEIVE ANYTHING. THEREFORE, I WENT INTO MACY 'S AND ASKED THEM TO PULL UP MY ACCOUNT. I TOLD THEM THAT I OWED THEM MONEY AND WANTED TO PAY OFF MY ACCOUNT. THE CUSTOMER SERVICE PERSON WAS NOT ABLE TO PULL MY ACCOUNT AND STATED THAT I DID NOT HAVE AN ACCOUNT WITH THEM. UPON LOOKING AT MY CREDIT REPORT, I REALIZED THAT MACY 'S HAD REPORTED ME TO THE COLLECTIONS AND IT WAS SHOWING ON MY CREDIT REPORT. I DID SOME RESEARCH FOUND A CUSTOMER SERVICE NUMBER TO CONTACT AND WHEN I DID, THEIR RESPONSE WAS THAT THEY MAILED OUT THE CARD AND THE STATEMENT AND CONFIRMED A CORRECT MAILING ADDRESS FOR ME, BUT FOR SOME REASON BOTH THE CARD AND THE STATEMENT WAS SENT BACK TO THEM AND THEY NEVER CONTACTED ME TO ADVISE ME OF THIS MATTER, EVEN THOUGH I HAD PROVIDED THEM WITH ALL CORRECT INFORMATION. THEY WANT ME NOW TO PAY THE BALANCE OFF AND THEN TRY TO DISPUTE THIS MATTER SO THAT THEY CAN CONSIDER REMOVING IT OFF OF MY CREDIT REPORT. I WOULD LIKE THIS MATTER INVESTIGATED SO THAT I CAN CLEAR UP THIS MESS AND HAVE IT REMOVED FROM MY CREDIT REPORT AT ONCE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have had a fraudulent charge on my account, that the credit card company is refusing to remove from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Best Buy/CBNA has contacted XXXX XXXX and XXXX and posted some negative marks on my credit report regarding a debt. I have not been presented with any options to resolved this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 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: FMS Inc.
State: KY

Complaint narrative:
FMS Collections is harassing XXXX of our deposit customers over a duplicated mobile deposit check item that had already cleared customer 's account. 
Our consumer paid a common laborer XXXX XXXX XXXX XXXX {$180.00} for labor. XXXX XXXX deposited this check by mobile deposit with another bank ( XXXX ). This item cleared consumer 's account at our bank. Later, XXXX carried the original check to XXXX and cashed it there. Our bank returned the check as a duplicate item. XXXX referred it to FMS Collections and who has been harassing XXXX XXXX. They refuse to talk with our bank with our consumer present to try and resolve the issue. Our consumer does not owe XXXX the money. XXXX does. XXXX has since been arrested and jailed on other financial crimes with other citizens and bank. Our consumer was unable to get any assistance with XXXX since XXXX is the party that has the original claim against our consumer. It is only {$180.00} but he should not have to pay the item since he does not owe nor should XXXX XXXX Bank have to pay it. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My balance statement was paid in full by the due date and on the next statement, I am charged an interest rate on the previous months charges. For example, the previous balance including the previous months interest chanrge is {$100.00} and you pay it off by the due date, according to XXXX XXXX XXXX XXXX who claims to be a manager at Citi, even though you pay off the balance, you are still charged an interest rate even though you have completed paid off the bill.

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 2017-03-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITI CARD DOES NOT CARE AT ALL THAT THEY SEND ME OVERSEAS AND WHEN IT COMES BACK THAT I CAN NOT HEAR AND MY ADA ADVOCATE ALSO TOLD THEM NO OVERSEAS. WHEN IT COMES BACK I CAN NOT HEAR THEM. IT IS SO BAD. FLORIDA OFFICE IS JUST AS BAD AS OVERSEAS ALSO. THIS HAS BEEN TOLD TO THEM SO MANY TIME. THEY DO NOT CARE. THERE IS NO BANK IN THE AREA TO GO TO AND I AM READY TO CLOSE MY ACCT DUE TO BEING FOUGHT WITH OVER AND OVER TO HEAR. 
I CAN NOT HEAR WORDS HE IS SAYING IN FLORIDA AND HE WOULD NOT TAKE IT SERIOUSLY EITHER, IT REALLY WAS THAT BAD AND THIS IS NO LONGER FUNNY OR A JOKE AND I AM SO TIRED OF CALLING BACK FOR HOURS JUST STRAINING FOR HELP AND GOING OVERSEAS AND TO FLORIDA WHO DO NOT CARE AT ALL. 

MY ADA ADVOCATE XXXX TOLD CITI CARD TO NEVER SEND MY ACCOUNT OVERSEAS OR TO FLORIDA AND STILL IT IS HAPPENING, I CAN NOT HEAR OR UNDERSTAND. GET IT OK.

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 2017-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received a Student Credit Card Journey when I had turned XXXX and at that time attended XXXX in XXXX as a XXXX and working only part-time and Capital One knew this. I was originally born and raised in XXXX, XXXX. I also attended XXXX College full-time while working only part-time until XX/XX/XXXX when I relocated to XXXX for residency and to continue my college education at XXXX. In the meantime I have only worked part-time jobs barely making minimum wage. In XX/XX/XXXX while attending school, I got laid off from my job and became unable to make payments. I had some help from family members but then they got sick and could not help me. I told Capital One this at the time. Never got a response. To date, I had never received any correspondence from Capital One other than was I working full-time, how much money I make and did I graduate from college yet. I never received any letter other than the one I received dated XX/XX/XXXX from XXXX threatening and hurrying to file a judgment against me for {$2300.00}. ( see attached letter ) in which they served to my XXXX yr old grandma on XX/XX/XXXX. I have never been married and I do n't know where they got this false/fake information from other than they have me mixed up with my father. Capital One has violated by legal rights under the Fair Debt Collections Practice Act ( FDCPA ) as I feel Capital One Bank ( USA ) , N.A . along with their attorneys XXXX, XXXX have abused and practice false and deceptive acts against me and I hereby file a complaint against them. I will also be filing a complaint with the Consumer Protection Bureau for violation of my legal rights. Because I was never properly notified by letter, etc. and then this shows up at my address for judgment. Capital One has also violated my legal rights under the Fair Credit Reporting Act ( FCRA ) and because of lack of communication this is deceptive & abusive practices which has caused me a lot of mental anguish and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I applied for a refinance mortgage loan through Citibank, in order to lower my interest rates which at the present time is 10.02240 %. I was denied and a total of {$660.00}, was taken out of my checking account. It was never explained to me that my funds would be taken out if the loan was denied or I would have made an alternative choice in companies to assist me. 
I ca n't imagine being charge that large of a sum to complete an application for a loan. In the past I have had other companies to inform me at the on set that they would not be able to assist me, before requesting any money at all to be paid by me. I have also tried on several occasions by phone and by mail to reach the loan manager and Citibank N.A . of which neither have gotten back in touch with me. I am truly disappointed and confused that a company would think that a customer would have over {$600.00} to give away, when I am having a hard time trying to pay a mortgage that interest rates are three times more than it should be.

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 2016-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This company has never submitted any definite proof that this debt was mine and have had plenty of time to do so. They need to remove all their information from my credit report. My information has been stolen so nothing less than a signed contract will be accepted.

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 2017-01-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My fiancee lost his job, and we have been reduced to one income. I have tried to set-up payment arrangements, several times, via email. I work full-time, and also own a bookkeeping business on the side, and do not have time to sit on the phone to for a half hour to try and talk with a customer service representative. My first time I reached out to Sears/Citibank letting them know I was having issues paying my bill was XXXX. It is now XXXX, and after several emails asking for someone to respond back to me via email ( and explaining my busy schedule situation ), I 'm now in collections and getting phone calls every two hours literally every day. The phone calls are automated and are never from an actual person. This is absolutely ridiculous and not professional. I am extremely frustrated that even when I did email about wanting to work out a payment plan I even got automated responses back to my emails. Sears/Citibank customer service seemed like they did n't want to work with me in regards to a payment plan, and/or my extremely busy schedule. They did not offer any option to work out my debt except to call them, which I told them SEVERAL times did not work for me. I am now in collections, my credit score is dropping, and I am NOT HAPPY! Sears/Citibank 's website even says there are payment arrangements available, but when I look for them on the site, they are n't there!

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 2016-06-21 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX, as a part of it 's XXXX transition, is closing my XXXX account, which is fine. Unfortunately, my last statement has a due date of XXXX XXXX but when I attempted to use their mobile app to pay my bill ( as I 've always done ), I can no longer log in. Now trying from a computer, I can not use their online system ( computer or mobile ) to make a payment either. They have deactivated my account profile, blocking my ability to make an electronic payment as I always have in the past. 

I then attempted to pay by phone, but the phone system says this is no longer an option either. 

My paper statement says I can pay by computer or pay by phone, yet when I try either method, XXXX is not permitting me to continue. I would simply mail a check, but I happen to be out of checks. Because XXXX is blocking my account from phone/web payments, despite what their statement says, I now have to go through many steps to avoid being delinquent. 

This is a rough transition and I am likely not alone in this situation.

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 2015-07-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Between XX/XX/XXXX and XXXX XXXX XXXX/CBNA reported XXXX missed payments to the credit bureaus although I had entered into new credit terms regarding my account with them and they were collecting monthly payments directly from my checking account. None of the payments were missed since our new agreement. XX/XX/XXXX I paid the account in total early. I have spent the years since XX/XX/XXXX and present disputing the approximately XXXX incorrect reporting of late payments to the credit bureaus in regards to this account. I also requested a copy of the later credit terms to which XXXX XXXX/CBNA and I had. I was told the contact was mailed once and can only be sent once. I did not receive the initial revised contract. This incorrect reporting have affected my credit and have infringed on my Rights to Life, Liberty, and Property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened an in-store credit card at Macy 's XX/XX/XXXX and was told at the time that my account and payment information would come to me by mail along with an account statement. I never received the documents and when I called to inquire I was told I could pay over the phone and that the documents would be resent. The balance told to me over the phone did not match my receipt so I requested to have a statement provided to show the individual items for which I was being charged. I was informed that until I received my account information in the mail that I could not create an online account to access this information and that the only way for me to receive it would be through mail. I was also informed that the late fee I had incurred would be waived so that I would not be hurt by this transaction. The follow up documents never arrived and Macy 's posted a 30 day late payment on my credit report. The fact that they would not provide documentation on my balance before requiring me to pay seems very unfair. I have since paid off the balance in full, including the added late fee, in an effort to limit any further harm to my finances or credit history. 

To this day I have yet to receive any documents, I still have not even been provided with an account or card number. 

I have an otherwise perfect credit history. Given that I reached out to Macy 's in order to rectify the situation and that they did not allow me to do so in a reasonable fashion, I feel unjustly harmed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITI surreptitiously increased my interest rate in XXXX from 15 % to 29 % and never told me about it. When I found out about it online 7 months later, they stalled when I asked for information and finally lied about whether I could close my account. After stalling initially and denying that my interest rate was a default rate, they finally admitted it was but would not advise of the default. When I reviewed every statement of mine since the rate increase, I found absolutely no delinquency. I told them I wanted to close my account. Citi said I would lose over XXXX miles on XXXX XXXX if I did. I called XXXX the next day, and the woman at XXXX informed be that Citi was wrong and " that they tell everybody that. '' Extraordinarily infuriating.

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 2016-07-22 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Advertising, marketing or disclosures — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was issued a promotional prepaid card from Citi Bank. It was not clear to me that on the " good through '' date on the card the funds would " disappear. '' My understanding is that I would have to obtain a new card.

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 2016-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My balloon mortgage became due XXXX 2016, tripling my payment. My payment went from {$270.00} per month to {$910.00} per month. I contacted CitiMortgage 5-months ago to work out a loan mortification. They strung me along for 5-months until I became three months behind in my payment and then the declined my modification for no reason.

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 2016-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have tried over and over for Citi Mortgage to give me a modification, they do n't play fair. I send them the information and they state that they do n't get the documentation and when they do affirm that they have received the documentation, they claim I do n't have all of the or I 'm missing some paperwork. This has gone on since XX/XX/XXXX and this is XX/XX/XXXX four years I 've had to deal with this company, every couple of weeks they change representatives so I have to start over with the paperwork. Each new representative states that I have re-send the same information that I 've already sent in. I have called and called trying to get the HARP, finally they did n't approve the HARP now I have sent in information for the HAMP, this time I sent the information with a content page so they ca n't say I did n't send every document. Now they are starting all over again with new representative and stating they have not received the information/documentation. 
They usually say call them, when I do, you ca n't speak with the person who is the representative on the letter they send. I leave a message but they will not call back. Each time I call I get someone one new. Now, I have had to file bankruptcy because they will not allow me to get an modification to ease the monthly payment. At this point I am tired of contacting them, they are not FAIR with their customers. The mortgage company keeps this up so they can file foreclosure and take my home.

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 2016-09-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Macy's/DSNB is reporting a fraudulent account on my XXXX credit file XXXX I have never had an account with Macy's/DSNB and never will, please remove this account ASAP, it is hurting my credit file and I have excellent credit. The account info is below. 

Macy's/DSNB XXXX Amount Owed : {$570.00} Status : Charge Off Opened : XXXX/XXXX/2011

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 2015-11-17 00:00:00
Product: Other financial service — Debt settlement
Issue: Customer service/Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received faux notice stating " your XXXX XXXX XXXX account is over 90 days past due in the amount shown above, excluding any disputed and is scheduled to be cancelled and submitted for salary offset. The travel and transportation reform act, public law 105-264 of 1998 and CFR posts 301-76 authorized us to offset up to 15 % of your disposable pay "

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation