BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-21
Company: CITIBANK, N.A.
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up a Citigold account in late XXXX XXXX when they were offering a promotion for XXXX XXXX points. The terms of the promotion were that in order to receive those points, I would have to open the Citigold account and make XXXX consecutive bill payments within 60 days, which I did. I confirmed with their customer service representative by online chat, I also sent security message to citibank to confirm it, that I was indeed eligible for the promotion, that the promotion had been applied to my account, and that I had met the requirements for the promotion. I should received the XXXX points on XXXX XXXX, XXXX. I did not received the XXXX points on XXXX XXXX, XXXX. Then I sent several emails to Citi bank. The feedback I got is CitiBank need reevaluate if I met all the promotion conditions, and the time to respond to me is unknown. The Citigold account has a monthly fee of {$30.00} that has been charged to my account. I have kept the account open only because I felt that the XXXX points would be worth the monthly fee. However, now Citibank has reneged on their part of our business relationship and instead has charged me monthly fees for which I am getting nothing.

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 2016-01-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Macy 's XXXX credit card was illegally scanned at a XXXX gas station, cloned and fraudulently used in NJ. The issuing bank failed to alert me and block my card for an unauthorized activity. I found out about fraudulent activity via accessing account online. I placed a call to Macy 's Fraud Department on XXXX/XXXX/XXXX to report fraudulent activity. Thereafter, I promptly filed a Statement of Fraud, which Macy 's received on XXXX/XXXX/XXXX. I followed up with a call to Macy 's on XXXX/XXXX/XXXX for the claim 's status update. A representative declined to provide any information, and refused to remove unauthorized charges from my account. As of XXXX/XXXX/XXXX, {$630.00} plus accrued interest show on my statement without any acknowledgment by Macy 's, nor claim 's status update.

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 2016-12-07
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Arbitration

Complaint:
Citibank sent me 2 letters of new terms for 2 accounts ( accts XXXX and XXXX ) which have been closed for over 5 years. I did not receive letters for my 2 active accounts ( accts XXXX and XXXX ). Part of the new terms were that my accounts would be subject to arbitration. I found it unusual not receive letters for all of my accounts. I could reject arbitration by sending a letter stating my rejection. I sent a blanket letter for all Citibank accounts. I received 1 letter acknowledging my rejection for a " closed '' account ( XXXX ). I also received a letter stating that Citibank was rejecting my opt out of arbitration because they said it was n't received by the due date. That account XXXX was opened in XXXX XXXX. I never received a letter stating new terms for that account. My understanding of the law is that a card issuer can not change the terms within a year of that account 's opening. I suspect that there never was a letter sent explaining new terms because they could n't change the terms yet. Also for the 2 accounts that I did receive the new terms, it states on the cover letter that I had until XXXX XXXX, XXXX. Obviously Citibank received my blanket letter as they confirmed the rejection on one account. I have already called them and they are overwhelmed in their " back office '' with customer calls. Probably because they screwed over thousands of other card holders. My account, Citi Thank You Premier, XXXX was opened on XXXX XXXX, XXXX. I want no arbitration on this account. I think Citibank needs to be fined for breaking the law.

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 2016-04-16
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Bloomingdale calls several times each day about a store account. I told them on numerous ocassions that I do not have an account with Bloomingdales and that that my mobile number is a new number and they must be looking for the previous owner of this number. They are relentless and continue to call 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 non-monetary relief
Consumer complaint received 2017-01-31
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have a citibank checking account and recently traveled outside of the country, to XXXX. I used a Citibank ATM in XXXX to take out cash from my Citibank checking account. When I returned home, I discovered that Citibank charged me a foreign transaction fee of 3 % of the amount of my deposit even though I took out cash from an ATM from my own bank. When I called Citibank they told me that Citibank XXXX is actually a different bank that is " not affiliated '' with Citibank in America and refused to do anything about my foreign transaction fee. I find it ridiculous that they would claim not to be affiliated with a bank of the same exact name ( clearly the same bank ) and kindly request to get reimbursed my foreign transaction fee.

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 2016-03-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I have had an XXXX MasterCard issued by Citibank since XXXX, XXXX. The card credits my XXXX XXXX mileage account with XXXX mile per dollar charged on the XXXX. Other than the charge for the credit card fee of {$95.00}, there was no other activity in the account for the year ended XXXX/XXXX/XXXX. That precipitated the removal of all the accumulated mileage on the XXXX XXXX account ( approximately XXXX miles ). 
The fact that I did renew the card last XXXX with a payment when it was due in XXXX should have been considered a valid charge to the account. On questioning the bank 's credit card department they told me it was not. I do not agree. It was activity in the account, period.

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 2015-07-20
Company: FIDELITY CAPITAL HOLDINGS, INC
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted the credit collection company, Fidelity Creditors in XXXX CA and talked to " XXXX ", after I faxed and mailed them the Federal laws that state I am " Exempt " from levy's and garnishments and court orders under Title 38-Veterans Benefits Part IV Chapter 52 Special Provisions relating to benefits  section 5301 A,B,C,D, and they laugh at me and tell me the will get the money and that I am making it up, that I am not exempt and there is no such law(s) and they will ruin my credit until I pay. I told them to stop all collection procedures because they are ruining my credit for a non-collectible debt. They said, So what ". It will be on your credit until you pay and they do not honor made up laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX, I was sent a credit card statement from Macys American Express that said {$300.00} was due. Upon further investigation, I found that a series of daily {$25.00} charges were made and added up to a total of {$300.00}. I called Macy 's American Express to tell them of these fraudulent charges. The company did not remove these charges and told me that I would have to send them complete a form stating to confirm that these were indeed fraudulent charges. I received the first form, which I completed and sent back. However, I received another form stating that they did n't receive the first. I sent the second form to them. I did not hear from them and assumed that they had taken care of the problem. On XXXX XXXX, I called to confirm and was told that due to my lack of response, the fraud claim was closed even though no one called me to tell me or wrote me to tell me. I discussed this with the manager and they told me that the forms were not received due to a systems update. I asked for a form to be sent and was told I would receive it within 10 business days. I checked every day and finally called after the XXXX business day only to be told that due to the systems update, forms were delayed in being sent out to me. I have called again XXXX more times only to be told to wait for these forms. In the meantime, my {$300.00} are accruing financial charges and interest fees. I would like to have Macys American Express stop giving me the run around for 4 months and just take care of these charges as I am not liable. From what they tell me, it appears that these were online transactions due to my credit card number being stolen. The card in question is still in my possession. From all my interactions with other credit card companies, they remove the charges right away. I do not understand why it has taken so long for them to do so despite my diligence in responding to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-08
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that Account Resolution Corporation provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Other fee

Complaint:
On a purchase made from a company in XXXX, Citi visa charged a " Foreign Transaction Fee '' of XXXX % and an additional increase of XXXX % in interest rate. I was not notified of these charges and learned only when they showed up on my bill. Neither was the increase in interest rate disclosed.

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 2016-10-31
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My father ( age XXXX ) had XXXX XXXX take his personal information to open up a Citi credit card on XXXX XXXX, 2015. On XXXX XXXX, 2015 XXXX XXXX made a transfer to my father 's XXXX XXXX XXXX credit card for {$3700.00} ( XXXX XXXX had also made XXXX large transfers on the XXXX XXXX XXXX card that were illegal and XXXX XXXX XXXX has refunded those charges ). I have been contacting Citi for several months trying to get this straightened out, only to be transferred to every department and get nowhere. XXXX XXXX had also opened a XXXX and XXXX card- doing the same large transfers, both cards have also admitted these cards were opened in fraud.

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 2015-10-24
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I tried many times to determine why I could not pay the IRS with my Citibank online BillPay. I finally received the attached letter, dated XXXX/XXXX/2015, from Citibank. XXXX XXXX states " this service is no longer available for the IRS, as we have encountered servicing issues with them. " I am totally OUTRAGED at this response from Citibank! 

I had to make XXXX separate inquiries to Citibank in order to finally learn that Citibank does not pay the IRS with their online BillPay services. 

Why did n't Citibank say this in the first place? 

Why did I have to drag this information out of them? 

Can Citibank be any more UNCLEAR in communicating with their preferred clients? 

Does Citibank really believe this is acceptable customer service? 

I expect Citibank to respond to this complaint with answers to the above ( XXXX ) questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: First Advantage LNS Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Former landlord claims that I owe money for moving out of a property after I complied with all lease agreements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card
Issue: Advertising and marketing

Complaint:
I accepted an airport offer from American Express in XX/XX/XXXX to earn XXXX bonus miles and a {$50.00} statement credit if I made qualifying purchases within the first three months. I did so, paid my bill in full promptly - but never got the promised miles or credit. The reason? I held the card in XX/XX/XXXX ( which, of course, I do not even remember ). Sneaky marketing. Exhausting to read through all the fine print. Alot of wasted time on my part trying to pursue an offer I could never really get.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: CITIBANK, N.A.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Citi Mortgage added {$57000.00} to my original home loan of {$110000.00} which now totals {$170000.00}. 
The home was on the market from XX/XX/XXXX when I XXXX till XX/XX/XXXX when I XXXX. We found out the house did n't sell, came back and lived in the house for a year with nothing showing up on the credit report nor did we get any bills, the credit reported paid as agrees with nothing negative at all. One day Citi Mortgage called and said we had to do a modification to keep the house for {$57000.00}. 
I have wrote letters and have recorded conversations with Citi asking for the information of how I owe this money once I was forced to do the modification or get evicted. I knew something was wrong when my first payments where only {$10.00} for the first 3 months. XXXX now has my loan and has no clue the original loan is only {$110000.00} but they paid CitiMortgage {$170000.00}. 
I have been trying to resolve this situation and with no results. I want to purchase a new home but Citi Mortgage has noted my VA loan as {$170000.00} which should only be {$110000.00} and VA nor XXXX has a clue Citi Mortgage has done this. 
I would love to sue Citi Mortgage for false representation or just flat out fraud.

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 2016-07-12
Company: CITIBANK, N.A.
State: OH
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I tried to withdrawal {$480.00} at XXXX XXXX, it would n't allow me to withdrawal funds. I checked my account within a day and it showed that the transaction had gone threw. I contacted my bank Citi Bank payroll card on XXXX XXXX. I filed a dispute with me against XXXX XXXX. I called Citi bank back after 10 business days, because I had not gotten a credit, and was told their still working on it 2 days after the 10 day period. I was told their credit risk depart is still working on it. I want my funds and I want them fined for not following the law

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 2016-11-28
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I opened a checking account with Citibank a couple of months ago and during that process I also enrolled in Online Banking so that I could monitor my accounts. When I enrolled in online banking I DID NOT have a debit card as I did not want XXXX nor need XXXX. Up until about a week ago I started having problems with the log in for online banking and all attempts to gain access to my accounts have failed. I 've tried to use the forgot password option to no avail. Citibank has refused to help me and instead has said that I will need to have a debit card in order to gain access to my online banking. However, if a debit card is so crucial for online banking then how was I able to enroll in online banking when I opened the account and monitor my accounts until recently? Citibank has refused to answer this important question and instead is demanding that I receive a debit card. I explained that I do not need a debit card. Their behavior seems very similar to the XXXX scandal where bankers were pushing products on consumers that did not want nor need the products. I truly feel that is what 's is happening to me as I 've always had online banking until a week ago when problems started.

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 2016-08-30
Company: CITIBANK, N.A.
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I filed a chapter XXXX bankruptcy. My mortgage is through Citimortgage Inc. and the bankruptcy was complete as of XXXX/XXXX/XXXX. I was advised that I was to start making payments on my mortgage again as of XXXX/XXXX/XXXX. The trustee and the mortgage company had signed off that I was paid in full through the trustee through XXXX/XXXX/XXXX. Since then, they have constantly insisted that I was a month behind in payment and the trustee brought them to a hearing that they did n't even attempt to show up for and the judge signed a court order that the bankruptcy was paid and current through XXXX/XXXX/XXXX and we had bank statements proving that we were paid current. They will not acknowledge the court order. They keep insisting they never received it as well as any other documents proving that we are current. They keep harassing whenever we make a payment and when we try to bring forth the court order they just absolutely refuse to admit they are wrong. We ask them to show us where we are behind and they refuse to do so. Now they are saying we are two payments behind and we have proof that it is not so. All supporting documents will be attached,

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 2016-08-24
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I asked repeatedly for them to not call me at work gave them my cell and they still kept calling putting my job in jeopardy

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 2021-03-19
Company: Sequium Asset Solutions, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Focus Receivables Management is reporting a collection account on my credit report, that they should have never reported. Prior to the account appearing on my credit report, I never received any prior notification. According to the Fair Debt Collection Practices Act, they should have provided me with a 30-day notice to dispute, but they did not do that. Therefore, it is illegal for this collection agency to continue to report this account on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX XXXX XXXX Continues to come to my home looking for someone who does not live in the house knowing he does not live with us. Bangs heavily on the door and sits in his car watching the house. Now they are taping things to my door.

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