vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/XXXX, we used a check from CitiBank for a balance transfer of {$14000.00} with zero interest for 17 months. We always pay off the balance before the deadline when interest starts accumulating. We put the payments on autopay to be sure they would be paid every month. When we went to pay off the balance, we found that 14.99 % interest had been charged for every month from the first month. Citibank stated that the balance transfer check was expired. First of all, there was NO statement on the check stating that if it was cashed after the date of XX/XX/2015 that interest would be charged. No Citibank representative ever attempted to contact us to inform us that the check had expired and that there would be interest involved with the use of the check. This is a gross misrepresentation. We have been Citibank customers for over 10 years and they will not review our case beyond saying they will credit only 2 months. We receive balance transfers all the time and there was no reason why we would choose one with interest over another one.

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 2016-01-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
On XXXX/XXXX/15, I purchased some Car Audio equipment, I paid the buyer with my Citi-Bank credit card. I never received the item 's I purchased. I filed a dispute with Citi-Bank, On XXXX/XXXX/15, I received a conditional credit. On XX/XX/2015. Citi - Bank reversed the credit. On XXXX/XXXX/15. I received a letter from Citi-Bank reguarding the transaction. If I wanted to still dispute it I had to fill out the form and send it in. I sent it twice. But City-Bank, claims they never received either one. Now they tell me the time to file has elapsed, not my fault they cant do a simple task, and constantly lie. This is why they will never Be XXXX or XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a mattress at Macy 's who told me they would give me {$100.00} off the price if I opened a credit card. At purchase XXXX of Macy 's told me he could n't take the {$100.00} off at the register. My bill came, but not with the {$100.00} discount. Over the phone I paid for the mattress in full, less the {$100.00}. This payment was handled by XXXX of Macy 's. XXXX assured me all was fine. That took 45 minutes. 
Two weeks later I called Macy 's to check to see that my balance was {$0.00}. No, there was a {$100.00} balance on the account. I called XXXX of Macy 's who told me that he would make the adjustment. That took XXXX minutes. He told me that he would have a letter mailed to me showing a zero balance. 
About a week after that I contacted Macy 's to check my balance ; computer voice said {$0.00} balance, and I pressed the button to have a letter mailed verifying the amountToday a receive another bill from Macy 's showing a balance of {$100.00} -- the {$100.00} plus interest. I called Macy 's, spoke with XXXX and supervisor XXXX who tell me that I owe {$99.00} because someone adjusted the {$2.00} off the bill. Their math is {$100.00} + {$2.00} interest - {$2.00} in adj = {$99.00}. XXXX told me that computer would not let him take off the amount, but he assured me that he would keep trying, and would call me Mon-, Tues-, or Wednesday to confirm that all was taken care of. I have NO faith that this can be accomplished. Can someone please help me? I have superb credit and I envision Macy 's showing a late payment because of their incompetence!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I ordered new windows from Home Depot and as part of the sale they offered me a Home Depot credit card and said that I would get 24 months 0 % interest on the windows. The total sale was {$19000.00}. They failed to install the windows on the scheduled delivery/install day in XX/XX/XXXX, but despite this they still charged my card for the full amount and I was forced to make multiple payments on the windows I did not have and the interest free period began two months prior to when I actually had the complete items I was billed for. Home Depot sales man has done nothing to correct it other than say he will take care of it and that he is looking into it. It has now been six months and still no results. Any effort I make to complain to Home Depot is just routed back to the same salesman who failed to correct the problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Home Depot Case : XX/XX/XXXXI found out thru my Identity theft protection XXXX about 4 weeks ago ) that my home depot card had been cancelled by Home depot because of a late payment. XXXX the balance was showing approximately XXXX dollars. I called your customer service because : ( 1 ) I have NOT used that card or shopped at home depot for over 5 years. I tried to explain that to the customer service rep .. but she tried to make me set up payments. I asked to speak to a supervisor and she demanded to know the reason, finally she said she would connect me, put me on hold and after 5 mins. or so the phone went dead. 
( 2 ) I did find out that even though this card is tied to my SSN the address is not correct. The address tied to the card is not known, I asked for the address and they would not tell me. I have lived at the below address since XX/XX/XXXX. I have NOT received any correspondence from Home Depot in years, bills or otherwise. The card has been shredded. The name on that card was XXXX XXXX XXXX. My middle Initial is XXXX ( 3 ) There is clearly some fraud going on here and you have damaged my credit rating. Please rectify this situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX last 4 SSN ) XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citimortgage has falsely reported XXXX late payments on our XXXX mortgage for the months of XXXX 2014 through XXXX 2014, 6 late payments total. This happened during a modification of this loan when Citi instructed us to stop paying our mortgage to our loans regular payment address and to instead pay them directly to the modification department for a " trial '' period before the modification would be approved. I warned at this time from Citi that late payments could " temporarily '' show up on our credit reports but would fall off after the completion of the loan modification since my wife and I have never missed or been late on a single payment with them ever! This still holds true today, we have never been late on a single payment with them. 

A Citi supervisor instructed me to send them a copy of a report page showing the late payments so they could have them removed. I followed his instruction to the letter and Citi is now absolutely refusing to do the right thing, touting they must report the history as their system shows it. I have relentlessly tried working with them to get this FALSE information removed from mine and my wife 's credit reports to no avail, they refuse to do anything about it. 

My wife and I have worked extremely hard to keep our credit reports in good standing and as such have never been late on any payments to any of our creditors so this is as upsetting to us as it gets. We have been VERY long time customers of Citi so even more frustrating to be wronged to such extent by them! 

I have heard so many horrible stories of Citimortgage pulling stuff like this with other people, but still in shock they would do something like this to their customers. 

I would definitely like to file a complaint about Citimortgage as I ca n't see this even being legal what they have done! If possible I would like to request assistance in getting Citimortgage to do the right thing and have these false late payment remarks removed from both mine and my wife 's credit reports!

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 2017-02-13 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: ID

Complaint narrative:
After leaving the hospital, a number of bills were sent to me. I sent many of them back to charge my insurance. In this case, XXXX never responded to me about my insurance. They finally sent me a single bill, which I began paying without realizing they still had n't answered. After setting up bank payments, I never got another statement, never received a balance, nor have I been able to reach anyone. After sending several payments and receiving no statement or method to determine what was paid by insurance, still owed, or had been received, I sent them a note indicating I needed a statement from them, at least. Nothing. Then, I pulled my credit in XXXX and saw that the debt had been referred to a collection agency. This agency has made zero effort to contact me, had none of my previous payments associated with the accounts so the balance reflected the full amount, and has not responded to complaints with the credit reporting agency other than they consider the debt valid. I believe that they need to at least TRY to contact me so I can pay this. It 's such a stupid amount that if I had gotten even one additional statement or notice from them, I could easily have paid. And I STILL do n't know if they even tried to bill my insurance like all the other bills that were submitted. I paid every single much larger amount to all other medical agencies because they did bill insurance and then followed up with a statement. It may be that there is an amount that is due, but I do n't know what amount and ca n't get an answer. I also feel like it is fraud to just try to ruin credit for someone without even trying to let them know. If XXXX had sent me a bill, this would have been paid easily. I refuse to deal with the collection agency since they are clearly just trying to collect the full amount ( XXXX were paid directly to XXXX before I had to give up because I do n't even know if it 's been paid off, still owing, or may have been over-paid ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have contacted CFPB multiple times regarding the status of my matter, the representatives all follow the same telephonic script. When I ask the representatives where all the Ocwen collected fine fees go, the representatives all refuse tell me and end the conversation. 

Well this explains most of it? 
Monday on XXXX 's " Mornings With XXXX, '' the author of " XXXX, '' XXXX, discussed a new report from the Government Accountability Institute ( GAI ) that found the Obama administration 's Department of Justice has been directing fines levied on major banks to fund leftist groups. 
Partial transcript as follows : XXXX : Let me ask you about another exclusive report we want to get to. When banks are sued by the Justice Department -- we know right now that the department is trying to get upwards of XXXX dollars from XXXX. We do n't know what that a number is ultimately going to be. Where does that money go? Does it allegedly help fund political nonprofit groups? Because this is what the Government Accountability Institute is saying, and we 've got this exclusive report. 
XXXX Yes, that is right, XXXX, we 've got a report coming out today. Anybody can get it -- XXXX. What we looked at is what the Obama Department of Justice has done when they have gone after banks, whether is was related to mortgage-backed securities or lending practices going back to the XX/XX/2008 financial crisis, and what you find is that a lot of money is not actually going to pay the victims. That money is being steered by the Department of Justice to fund progressive liberal organizations. More than XXXX dollars worth. And that money is being steered toward political activism. And in fact, the Department of Justice giving these large financial institutions, which have allegedly you know, conducted in bad behavior, they are giving them a XXXX dollar to XXXX discount. If they will give a dollar to a progressive organization, that wipes XXXX dollars off the slate in terms of what they owe federal government as related to their financial activities. So this is a massive problem. It shows that a lot of activities -- the Department of Justice under President Obama -- has not been about actual making the victims whole as it relates to these financial activities, but actually funding left wing groups. 

I will bring all you dirt bags down who have committed fraud against me. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
In XXXX 2015, I received a court summons from Stenger & Stenger for a debt. I responded via certified mail within the XXXX time frame asking for proof of the debt and for more information. I received no response. The week of XXXX, XXXX/XXXX/15 I believe it was, I received another court document from Stenger & Stenger asking for a motion of default judgement against me. I was never contacted by XXXX XXXX, their client, nor was I ever contacted by Stenger & Stenger before receiving a court notice in XXXX. I have called multiple times and asked for the person named in the documents and he is never available. I have never even been given the opportunity to try and settle this claim. No reasonable offer has been made. There has been no communication other than XXXX court notices. I wish to avoid court if at all possible by I have never been contacted to try and work anything out. How can you threaten someone like this? Most companies send multiple letters or correspondence trying to resolve their issues before taking things to this level. I do not understand how people can do business in this manner. I looked up XXXX XXXX and they have numerous consumer complaints against them for collection efforts. Is this why they felt the need to send a law firm after me? If this debt is in fact valid, I would like nothing more than to come to a fair solution for both sides. All I 'm asking for is communication besides being threatened with court notices. Ca n't this be settled in a civilized manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XX/XX/XXXX I signed up for a CitiGold checking account. The terms of the offer under which I signed up indicated that XXXX XXXX XXXX frequent flier miles would be given after meeting the specified criteria. On XXXX XXXX I obtained written confirmation from a Citi representative that the offer was attached to my account. On XXXX XXXX I obtained written confirmation that I had met all critieria and the bonus miles would be added to my account by XXXX XXXX. On XXXX XXXX after not receiving the miles, Citi is trying to go back on their word and is not planning to issue these miles. I have attempted to escalate the issue to a manager at Citi with no success.

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 2016-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank - had fraudulent charges on my debit card. We have been filing a fraud charge for 3 weeks and they keep losing the request. We have spent 4 hours on the phone, and then call back and no one knows anything about it. The charge remains and they refuse to assist.

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 2016-07-09 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Received an introductory no interest card from citi diamond preferred. First payment was due XXXX 2016. As of XXXX four payments were due on account. Four payments were made. Statements requested multiple times but seemed to " not get to me ''. Since I was not receiving statements I simply made payments before I knew they were due. Again, four payments within four payment months due. Apparently a payment was received too EARLY so was applied to my balance BUT NOT MY NEXT PAYMENT DUE. Of course since I was n't receiving statements I assumed it would be applied. Finally received a statement for bill due XXXX XXXX on XXXX XXXX. Had a late fee applied, even though I had paid 4 out of 4 payments due ... and more than the minimum due on each. Called customer service and was told the payments were improperly applied because it was made too ealry but a request to remove late fee would be made and removed within 3 days. When it was not I called back again and got another story. At which time I was given a XXXX dollar inconvenience credit and to, d to make an additional payment then call back to have fee removed. Made an additional payment as advised and called back a third time and was told fee could not be waived. Is this legal for them to misapply payments because they are made too ealry ... .especially when they are obviously holding statements in hopes of gaining something to make up for the interest free status in the account. Seems like a crooked underhanded way to get extra money when they see someone is paying in spite of them not sending statements.

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 2016-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX sued me where I did not live on XXXX alleged accounts they say I owe. They sued me in XXXX County Justice of the Peace Precinct XXXX, when I live in XXXX County over XXXX miles away. I gave them my address and contact information, however they continued to pursue the suit in XXXX County. It was n't until I informed them that I would exercise my right under the Fair Collections Act did they finally drop the suite in XXXX XXXX. They knew of my address long before they filed suit in XXXX County and even used a XXXX lawyer that was located less then XXXX miles from my home to process the suit in XXXX County, even though they have many lawyers in XXXX XXXX that handle local lawsuits for them. They were hoping I would not notice the lawsuit and I would n't have noticed if it was n't for a local lawyer soliciting his services to defend me and informed me I was being sued by XXXX XXXX. I have denied this debt to them and even sent them a validation letter once I got word of the suit. They never notified me of the this debt prior to filing these suits as well as filling it in the wrong county XXXX miles from my residence. The following alleged accounts they say I owe include ( Citibank ending XXXX ) and ( XXXX XXXX ending 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 explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have had a Macy 's department store credit card for many years. When we moved locations, there was no Macys store. We put the cards in a file to store. We sent a letter to all creditors stating the address change in XX/XX/XXXX. We had the USPS change forward our mail to our new address in XX/XX/XXXX. We were listed in the phone book correctly. 
While on a trip to an area with a Macys, I bought some candy. I was asked by the clerk if I had a Macys card for a discount on the candy. I told her I did n't have it with me and she said she would look it up and charge it. I said okay. This was XX/XX/XXXX. 

I never received a statement, a phone call, a letter or anything reminding me I owed Macys 's {$35.00}. Not until XX/XX/XXXX, after a security breach at a business, where I checked my credit reports, which I do about once a year. I saw that Macy 's indicated I was owing them {$45.00} total and the account was Charged Off. I immediately made contact, paid the full balance, explained the situation, was told to send a letter explaining the circumstances, and requested my account be reactivated. I was a great customer in the past, had a perfect credit history, and a near perfect credit score. However, Macy 's had decided to hold fast and totally ruin my credit rating, score and personal character. This is affecting my insurance rating, my credit worthiness, etc. All for a measly {$45.00}. They simply do n't value a customer.

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