vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
fraudelent inquiry. identity theft

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 2017-01-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint regards to a undelivered account opening bonus promised and also confirmed by Citibank.

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 2015-08-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Aspen National Financial, Inc.
State: MD

Complaint narrative:
I was not working for almost XXXX years and was not able to pay my maintenance fees on a XXXX XXXX At XXXX XXXX timeshare that I completely paid - debt free. I offered to give the Timeshare to XXXX for FREE in exchange for not having the money to pay the maintenance fees. Instead, they kept billing and calling me and tacked on another year of maintenance fees. I am now getting calls on my cell phone and home phone from Aspen National Collections. XXXX is acting out of greed and are treating me like I defaulted on the mortgage! Get a clue, the mortgage is paid in full. Take the property, resell it and recoup the maintenance fees!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC.
State: UT

Complaint narrative:
I wrote a complaint on XXXX/XXXX/2015 regarding the collection practices of Delaware Solutions LLC. Today, XX/XX/XXXX, XXXX XXXX from Delaware Solutions called me again and stated that I 'm being served papers today if I do not pay a past due amount on a payday loan taken out XX/XX/XXXX. I told XXXX that I know my rights under the FDCPA and that I 'm requesting debt validation in writing and I have the right to dispute the validity of the debt. XXXX stated that they have already proven that it is my debt just because they have my social security number and email address. I informed him that I have sent a cease and desist letter and he stated he will continue to call me everyday to get a payment regardless of the letter. He then called me a XXXX who sounded like an XXXX and did n't know the laws. He continued to call me stupid as a recited my rights as a consumer. He then told me that I was going to be arrested and will serve time in jail for the unpaid debt. I informed him that he was breaking the law by using abusive language and by threatening jail time and he stated he was not. I hung up the phone, he immediately called back yelling at me that I was going to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
CitiMortgage said " They would give me a Harp loan if I stop making payments on XXXX loan for a 3 month trial period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-10 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Acct closed under CHPXXXX Bankruptcy and still showing under my XXXX credits reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a follow up on my case number XXXX. I would like to submit the attached documents showing my scheduled court date on XXXX XXXX, XXXX. XXXX has responded that they dropped the foreclosure case against more than a year I believe in XXXX XXXX. As you can see on the attached, there 's a scheduled hearing with the referee on XXXX XXXX, XXXX. I called and spoke to XXXX XXXX, Fiduciary # XXXX at XXXX XXXX XXXX XXXX XXXX, telephone # XXXX a couple of weeks ago and she told me that she was not aware that she was listed as a referee on my case. XXXX XXXX claimed that she does n't know why her name was listed as the referee and that it was a mistake and that she was going to contact the judge assigned to remove her name. Unfortunately, I have not heard back from her. Attached is copy of the notice. 
I 'm not sure how these documents are processed, but I truly believe there is something terribly wrong with this entire scenario. First, the law firm lied and claimed that they withdrew from the foreclosure case against me back in XXXX XXXX while the case is still listed as active and I had to appear in court just recently in XXXX XXXX. In addition, there 's a court date scheduled in XXXX XXXX, XXXX with a referee who claimed that she is unaware of anything and that it was a mistake. I believe someone is creating fraudulent documents and setting up consumers to lose their homes. I would like the law firm XXXX to send me an official notice that they have withdrew the foreclosure case against me and also to update the court records to note the case is closed or disposed.

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 2015-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
1. at this time. home depot is paid in full. it was a washer. I closed the card because of the unprofessionalism of their customer service. therefore I did not want to do any business with them. 
2. Att. uverse. I sent them their receiver back and that has shown up. They are charging me for something that I am not using. 
3. I have no idea what XXXX or XXXX is. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
This complaint is about Citibank/Home Depot credit card. I always pay this card on-line through my checking account. On XX/XX/XXXX ( or there abouts ) at XXXX I submitted a payment on line, only to realize I had used the wrong ( old ) bank account info, which did not have the funds to pay the check. I immediately called, the person at Citibank said they could do nothing because it was after XXXX. I traveled to the nearest Home Depot that evening, paid my payment in cash. I called again the next day, the person helping me said nothing could be done, they had no procedure to withdraw a payment. 
When the check was returned 3x and I was charged a large fee each time, I called them again and was told they would continue to submit the check, they had no way to stop any payments. I was able to put a stop payment on at the bank, so nothing further was paid. The fees I had to pay to the bank nearly equaled my monthly payment ...

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 2017-01-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an XXXX loan from cash-n-go. Every time, Cash-n-go process my payments through direct deposit, I was charged for additional 12-14 days of interest. The reason was waiting for the fund to clear from my bank. I went to see why their so much time delay for the bank to pay the loan but XXXX said no that 's not the case. The bank pays the next day after the business process it. Chas-N-Go had charged me XXXX times such extended interest for a reason not mine or my bank 's fault. Cash-n-go has lied to me by stating false information, and they charged me {$200.00} each for a total of {$1000.00}. I was rubbed in a daylight. 

If needed I can present my paper from the bank and Cash-n-go. 

thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Hi, I signed up for the Citi Gold account and at the time of sign up used the sign up code I had been given for the XXXX XXXX XXXX promotion. I contacted Citi several times and asked them every time to confirm that I was registered with this promotion, they confirmed that I was. I have screenshots confirming this. 

When I fulfilled the requirements for the promotion, I confirmed with Citi, and they said I had done the required steps to receive the points. 

At no point did Citi tell me that I was not eligible or that the promotion was not tied to my account ( in fact, they told me the opposit ) Now, Citi is refusing to honor the points despite all this contradicting evidence. 

This problem is widespread, and it appears Citi is appearing to not honor this agreement to many people. ( See pages like this : 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 2016-02-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been trying to pay my balance of {$8.00} and cancel my Macys credit card and every attempt is either blocked or disconnected. I have also been advised that I now have XXXX Macys credit cards, though I only signed up for XXXX. 

When I attempt to access either account online, I am told my log in information is incorrect. The system will not let me reset my password. 

When I contact Macys by phone at XXXX XXXX XXXX, XXXX XXXX XXXX, and at XXXX XXXX, the call drops right after I enter my account information, or the representative hangs up on me. 

I am not sure how I can pay my balance/close my account if I ca n't reach anyone.

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 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I signed up for a CitiGold Checking Account with a promotion where I was to be awarded XXXX XXXX XXXX miles upon meeting certain requirements including a {$1000.00} spending requirement in debit purchases and two bill pays. The points were to be posted within 90 days of meeting these requirements. I have contacted Citi multiple times and created multiple inquiries to resolve the issue and they have yet to post the miles. The requirements were met in XXXX and it was verified by a Citi representative that the points would post in the month of XXXX. On XXXX XXXX, Citi randomly closed my CitiGold Checking account and refused to cooperate with me on any further inquiries about the points because the account was now closed ( that I never requested to be closed and they can not figure out why it was closed ). See attached for screenshots of my inquiries and their request for me to provide my XXXX number, which I did promptly over the phone.

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 2016-05-08 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
The store solicited me to open an new HD credit card account. Never received the bill or credit card, and went to the store with purchase receipt and application package demanding for payment. After store associate called the bank, {$25.00} was confirmed as minimum payment without financial charge, and paid {$25.00} in the store on XXXX XXXX, 2016. However, received the statement XXXX XXXX that stated posted charge of {$30.00} late payment, {$13.00} for the finance charges. I paid off the rest of balance on my account on XXXX XXXX. Complain : No bill for the payment, charge is not transparent, the benefit interpretations was misleading, solicitation for the opening HD credit card with fake benefit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solidus Group LLC.
State: PA

Complaint narrative:
XXXX Solutions called my sister on both her home phone number and her cell phone number, and proceeded to leave a lengthy message about their attempts to collect a debt in my name that was allegedly attached to XXXX Bank. I am not with XXXX Bank, and have not been with them for around XXXX years now. They also called my parent 's home phone, without leaving a message. The number left was XXXX. I have been harassed by multiple scam groups in the past year and have researched some of the laws involved and how they conducted themselves seemed illegitimate. I owe money to varying groups, and I am in contact with each and every group I do in fact owe, and have paid or am in the process of paying the debts that I owe. I have never XXXX dealt with a company called XXXX Solutions, or recieved any letters regarding any intent to collect a debt from said company. As I said, this is not the XXXX time I have been the victim of scam calls, and I am not foolish enough to speak to or give any information to these groups anymore. I will only ever deal with a legitimate business that conducts themselves as such. Every group I deal with contacts me via certified, confidential mail, not threatening voice mails on family phones. I have attempted to submit complaints on previous groups before, including Delaware Solutions, LLC, who still occasionally attempts to bother me as well, but this is the XXXX time I am following through with a complaint, because I am absolutely out of patience in being harassed like I am. It feels like extortion. It 's definitely harassment. 
I dislike that they obviously have personal information about me, as they are contacting my family, and it frightens me that these people may be criminals and may have more sensitive information that I would not know about. Like I said, I screen the calls, and have a call blocker, but I would very much like to see something done about scam groups like this, if not for people like myself, then for others who are tricked by these people into giving them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX XXXX, 2015 I received an email from my Citi XXXX preferred credit card provider. My account had been closed due to inactivity. Not having been previously notified of the pending closure I contacted Citi for verification of the closure and tried to reinstate my account. I was not aware that I was required to use their card and provide a timely use of the card in order for Citi to generate the revenue that credit card companies enjoy. I asked why I was not notified previously to this upcoming closure. I also expressed that closing my account would negatively affect my credit report. Citi advised me that the actions of credit reporting companies was not their concern. I was told that I could apply for a new account and would be subject to approval according to the processes of a new customer. This requires a credit report inquiry and other personal information. Excessive inquiries of my credit report affect my credit worthiness same as the closing of my account. I requested my account be reinstated but my request was denied. I had not been using my credit card due to a previous action which reduced my credit limit to the balance owed. I questioned Citi for the decrease. I was informed that my credit report had been negatively affected due to a recent entry by another credit provider. I requested copies of my credit report. Instantly, I determined the negative entry. It obviously was not a reportable entry. The date of the reported entry was very old and had been entered in error. It was an obvious error which was immediately corrected. I contacted Citi with the information of the correction. As the entry was blatantly obvious as an invalid entry, I did not understand why Citi did not review my credit report for accuracy. An obvious error of date. Citi reduced my credit limit due to their lack of responsibility in the handling of my account. I quit using my Citi card due to the careless practices of their business procedures and lack of providing a business relationship conducive to ethics and fair practices. I did not want an account with Citi but new the negative result of closing a credit account. I sent an email to customer service. I received an email in return stating I could read their response by logging into my internet account which I could not access as my account had been closed. I then contacted Citi and was referred to a manager. XXXX. She could not repair the damage already created. She suggested that I apply for a new account. Unsure of how to proceed I agreed. I still have Citi reporting a closed account and added inquiry to my credit report. While reviewing my credit report, the only negative entry would most likely be reported by Citi. My credit may not be granted due to the actions of Citi.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
Applied and was approved for Citi AAdvantage Platinum Select World MasterCard. 
Incentive was XXXX XXXX XXXX AAdvantage Miles to be credited to existing AAdvantage account for opening account. 
Credit Card Terms & Conditions make NO reference to a requirement for {$3000.00} to be spent on the credit card within three ( 3 XXXX months. 
In fact, impossible to find any reference to this specific conditions on any documentation provided by Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macy 's Credit Card, part of Citi Retail Services, routinely sends statements well past their due date, sometimes not at all. I had a payment due on the XX/XX/XXXX, I just got an email today on the XX/XX/XXXX that my statement was ready. I never received a statement last month, so now I have a late fee I have to call and argue about. 

They purposefully exploit the paperless statement system. I 've had issues in the past where I never received a statement, and had to call and argue with them to remove the late fees etc ... They know about this issue, yet nothing changes. 

This is definitely intentional. It makes zero sense that an electronic statement should be coming a full week after a payment is due or not at all.

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 2016-07-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
APPROX 3 YEARS AGO, I PURCHASED HOUSEHOLD APPLIANCES FROM BEST BUY, TOTALING OVER {$3000.00} : I TOOK ADVATAGE OF A PROGRAM BY THE STORE WHERE I WOULD FINANCE THE TOTAL PURCHASE WITH NO MONEY DOWN, AND NO INTEREST IF MADE REGULAR MONTHLY PAYMENTS, OVER A PERIOD OF 36 MONTHS. TO QUALIFY, I HAD TO AGREE TO OPEN A CITIBANK CREDIT ACCOUNT. I ACCELERATED THE PAYMENTS AND PAID OFF THE LOAN IN LESS THAN 2 YRS. ABOUT A YEAR AFTER PAYING OFF THIS LOAN, I ALSO PURCHASED A NEW COMPUTER FOR ABOUT {$500.00}, AND AGAIN PAID OFF THE LOAN WITH NO INTEREST IN FAR LESS THAN THE ALLOWED 36 MONTHS. I WANT TO POINT OUT THAT HIS ACCOUNT WAS NEVER USED BY US FOR DAILY OR WEEKLY PURCHASES-IT WAS ONLY USED AS FAR AS I RECALL FOR THESE XXXX PURCHASES. I HAVE NOT HAD A BILL FROM THE CITIBANK-BEST CREDIT CARD IN MORE THAN 18 MONTHS. YOU CAN IMAGINE MY SURPRISE WHEN I RECEIVED A CREDIT CARD BILL FROM CITIBANK FOR {$660.00}, FOR XXXX SEPARATE SUBSCRIPTIONS TO A SPORTS CHANNEL. I IMMEDIATELY NOTIFED ; THE CREDIT CARD COMPANY THAT THIS CHARGE WAS FRAUDULENT. CITIBANK SAID THEY WOULD BEGIN AN INVESTIGATION-THAT WAS NEARLY A MONTH AGO. TODAY, I RECEIVED A SET OF QUESTIONS WHICH I WAS HAPPY TO ANSWER AND REPLY. WHAT I OBJECT TO WAS A LETTER IN THE DOCUMENTS INFORMING ME THAT THIS CITIBANK ACCOUNT WITH BEST BUY HAD BEEN CANCELLED AND I AM NOT BEING OFFERED A NEW ACCOUNT. THIS IS OBVIOUSLY A CASE OF FRAUD AND CITIBANK 'S FIRST REACTION IS TO DENY ME CREDIT BECAUSE EITHER MYSELF AND THE CREDIT CARD COMPANY HAVE BEEN DEFRAUDED. FURTHERMORE, A MINIMUM OF DUE DILIGENCE COULD HAVE CAUSED THIS PURCHASE FROM BEING MADE -- A CARD HOLDER, WITH NO PREVIOUIS USE OF THE ACCOUNT, ALL OF A SUDDEN RUNS UP OVER {$600.00} IN PURCHASES-ALL ON THE SAME DAY, AND ALL FOR THE SAME SPORTS CHANNEL.

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