vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Macy 's XXXX card was used to make fraudulent charges in XXXX of 2016. Someone used t apporx. 5 times to purchase amazon gift cards. I made a complaint and within days the charges were credited to my acct. 
Macy 's closed the acct for me and set up a new XXXX. On XXXX XXXX, 2016 I purchased items at Macy 's in XXXX, XXXX 
When I received my statement I noticed that on the same day I was physically in the store in XXXX, XXXX that someone purchased something in XXXX XXXX XXXX, XXXX at Macys with my acct in the XXXX of XXXX. 
I called again, they closed the acct changed it to now a third acct. They said the check was in the mail. I said great, please close this account all together bc I do n't feel comfortable with the amount of times it 's been taken. They closed it, I have yet to get a check. 
I have called customer service 5 different times each call lasting approx XXXX120 minutes. I have yet to get the credit to my acct. I have been told the check is in the mail. I have been told the credit will show in XXXX to XXXX billing cycles, I have been told to call back and I have been disconnected by them. 
Today is the 6th time I called, 1st the fraud dept. waiting 48 minutes and they finally said the credit is on my old acct that I closed. It will take a while to send you a check. I was directed to call customer service to ask them to expidite sending me the check. 2nd call today 64 minutes. in length. I was told that the credit was given however bc there was a charge on the acct it should be just a zero balance. I explained how I have automatic payment and the card got paid off before ever receiving a credit, so I actually paid for the fraudulent charge. She directed me to call Fraud ... .the Dept I had previously talked to today for 48 minutes. I explained that I had been directed to Customer Service to haave the credit from that card sent to me. SHe put me on hold for 12 minutes, came back and said that she 's requested the check, however I have herd this before. I JUST WANT MY MONEY BACK. I WILL BE HAPPY NEVER TO STEP FOOT IN MACY 'S AGAIN AND HONESTLY XXXX XXXX SHOULD BE EMBARRASSED TO HAVE THEIR NAME ON A COMPANY 'S CARD THAT DOES N'T PROTECT THEIR CUSTOMERS. HELP!!

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 2017-02-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
On XX/XX/XXXX I received a bill from Fidelity Creditor Service. It was for a service on XX/XX/XXXX from XXXX. I never received a bill from XXXX. My Insurance, Was suppose to pay all bills. It turns out, once I looked into this, XXXX sent the bill to the wrong address twice and then sent the bill to collections. So, on XX/XX/XXXX I received the letter and the next day we inquiried with Fidelity Creditor Service about what this bill was for. They told me it was From XXXX. So I asked them to send me the bill from XXXX so I can see what services where provided for and what my insurance did or did not pay. The letter from Fidelity Creditor Service said that I had XXXX days from receiving the notice I received to question this bill. So I wrote to Fidelity To question this bill. 

Today I had my credit check on XX/XX/XXXX and I was informed that Fidelity Creditor Service put a XXXX mark on my credit report to XXXX of the credit bureaus on XX/XX/XXXX. Not sure how or why they did this since the letter they sent me was dated XX/XX/XXXX and I received the letter on XX/XX/XXXX, but Fidelity Creditor Service XXXX the Credit bureaus a late charge on XX/XX/XXXX almost XXXX month before I even received their letter letting me know about this Medical Bill. 

So, how do I get this off my credit report? 
Since, once I found out everything and verified what this bill was all about, we paid the bill. 

How can this company ding my credit before I even new about the bill? 
How do I get this off my credit rating? 
How can Fidelity Creditor Service even ding my credit even before they sent me anything. 
Also, I was charged {$120.00} in interest from Fidelity Creditor Service. How can they charge me interest for a bill that I did not even know about? 

Looking forward to hearing from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citibank is reporting a negative foreclosure and balance every single month. This is erroneous and they are affecting my credit & financing.

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 2016-07-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am five days late paying my Macy 's card. I have told them I will pay them when I get paid, and have told them the date. They continue to call me anywhere from 4 to 6 times a day and they use two separate numbers to call me with. One number is XXXX and the other number is 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 2015-08-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Frequent receive threat calls to my sick mother 's home although I do no leave there anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank advertised a promotion for its XXXX co-branded with Sears to provide a 10 % statement credit for purchases cumulatively exceeding {$300.00} and made at gas stations, grocery stores, and restaurants in XXXX and XXXX, 2016, specifically stating : " For total eligible purchases of {$300.00} or more each month XXXX/XXXX/16 - XXXX/XXXX/16 up to a total statement credit of {$100.00} each month. '' I registered for the promotion on its first day and spent over {$1000.00} in each of the XXXX and XXXX billing cycles at gas stations, grocery stores, and restaurants. Citibank, however, has credited me only the first {$100.00} statement credit and is refusing to provide me with the second.

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 2016-12-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i paid several companies a large sum of money for an at home business.to make a long story short i was XXXX was shocked when i called my XXXX card and they told me they could not help me.in XX/XX/2015 i paid XXXX XXXX and XXXX charges of XXXX XX/XX/2015 i paid XXXX XXXX charges that added up to XXXX i paid XXXX XXXX charges to XXXX explained to my card company that i was not rendered any services at all.i was told i had 540 days to dispute these charges as charges for undelivered goods and services.these companies also violated the telemarketing and consumer fraud and abuse prevention act.this all fell on deaf ears. if these laws are in the books should my bank follow them.i think my bank is not treating me the way i should be legally.with all my claims and defenses how can my card treat me this way.how can a company like XXXX do business with these merchants.i would like an explanation from my card as to why i was turned away.i forgot to mention to the bank about scamming the elderly another crime. needless to say i am very confused about my situation with my credit 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 2017-01-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Citibank is stalling and not paying a {$400.00} checking account bonus promotion. They state that they need my XXXX form. I have sent in two XXXX to the addresses they specify but they state they have never received them. This is in addition to unpublished holds on my money, delays on processing paperwork, and overseas support that is useless.

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 2016-03-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I took out loan thorough Best Buy c.f. for no interest if paid before XXXX 2015. I set up payments through bill pay at my bank to insure prompt complete payment. For some reason, the last payment was short something like {$0.00}. I hear nothing more for 3 months until I happen to see an e-mail from Citi Bank and a bill for {$160.00} and change. I call to see what the problem is and I do speak to plenty of people at the bank. They were quite gracious in reducing the bill to {$120.00} and change. I now realize that there were calls on answering machine that were unintelligible, and this was probably them, but I still do n't know.

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 2016-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
i have been a customer 10 years. first time i am late. ex huaband is on loan not being contacted only me contacted citi to report not only tenant breach and defualt of lease but vandalism to my home making payments very hard to make. 
Pleae have someone call me to in an individualized way handle all this. 
I will pay XX/XX/XXXX when i can. i asked for a non one size fits all approach and i got exactly that. 
please contact XXXX at XXXX as i have asked for the payments.

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 2015-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX people are XXXX and XXXX you like a dog. I started trying to communicate with XXXX. My credit limit was XXXX. Why is it XXXX?? No one wants to tell me. I am willing to pay my credit limit as an in full payment and am told no. I am also threatened with legal action and XXXX has sent v this to an attorney. The attorney says that in order to settle for just my credit limit that XXXX wants my income, my bank information, my utility information, my drivers license number etc ... information they are not going to get nor are they entitled to get this info.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I purchased an item from Best Buy using my Best Buy credit card. I paid the amount due in full on XXXX/XXXX/2015. The payment of {$100.00} was issued through my online services at XXXX. 
The account number for my Best Buy account had not been updated on my online services account with XXXX, so the payment went to Best Buy but to my prior account number. Best Buy now claims that I have not paid and my account is now in arrears {$240.00} because of accruing late fees. I have contacted Best Buy and they will not speak with you regarding this issue and refer me to their bank which is now Citibank. I contacted Citibank and submitted my proof of payment to their Payment Research Department. I continue to get statements saying the account is not paid. I spoke to " XXXX '' in " Escalations '' on XXXX XXXX and still the matter is not resolved. I have no way of resolving this because clearly the issue is inter-bank. I made a payment to Best Buy which was sent to my old account number XXXX and should be posted to my current account number XXXX, It is egregious that Best Buy offers no consumer protection to their credit card users as clearly they are the entity that could easily resolve this by having the payment credited to the correct account number. The continued billing and late fee surcharges have escalated to the point of harassment. I paid this account in full before its due date and yet I continue to be harassed because no one seems to want to do the work on their end to get this matter resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I began trying to modify my mortgage in 2010. During this time CitiMortgage has repeatedly asked me for the same information over and over. I submit the information they request always within the deadlines that they provide however they take so long to review that then they need new updated financials etc. It 's a vicious circle that I have been in for over XXXX years! 
This year I was told over the phone that I qualified for a modification but I have yet to be given my three month trial period or sent the modification package. Instead I am told they are continuing to review my file. All I have asked for is a reduction in the interest rate to the market rate. That alone will make my payments affordable. 
I was not behind on any payments when I originally approached CitiMortgage asking for assistance. I was proactive and tried to prevent myself falling behind. However the financial crisis continued and I eventually did have to miss payments during this ordeal. I have continued making payments when I can however Citi applies these payments only to the interest due thereby increasing the principal amount due. I have asked for them to properly credit my payments and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I was contacted by Debt Recovery Solutions for a medical bill that was n't mine. I received multiple letters and I 've contacted them multiple times to get this to stop. They told me that I went to the doctor with NO insurance and got treated. That 's a. Lie in itself completely. I 've always had XXXX, XXXX, and XXXX. They would send me any verification that the medical office that they are claiming I went to was paid. I 've checked my insurance records and no where in that time fram was my insurance number ran matching the clinic. I called them informing them of that information.. I was told that they could n't do anything about it. I tried to dispute it at that time and they rejected it saying that it was verified by the clinic but not by my insurance company so it makes it legally to report it. Please help me get this off.

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 2015-12-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had purchased a sears credit protection plan effective date XX/XX/1998 with group policy number XXXX and XXXX with certificate number XXXX for account number XXXX would cover my balance my account if I get unemployed or XXXX. unfortunately I became XXXX and I notified the insurance company what just happened and become XXXX. and next thing I know I have a collection agency after me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I have submitted documents required of me from Sears Credit card company XXXX times and they continue to asked me for the same identifying documents in order to issue me a replacement card. My wife is XXXX XXXX and we got XXXX. Currently, I own nothing on this card but they owe me over {$200.00} as credit on this account. All I need is a replacement card or what they owe me. Please help me. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have been getting automated calls from ( they say ) Citibank for someone who does not and has never lived at this address/phone. After following prompts to indicate that they have reached this number in error the calls just kept up, several every day. They give a phone number to call if the automated system does n't take care of the problem. I called that number ( XXXX XXXX ) on XX/XX/2015, was connected with a pleasant operator who apologized for the problem and was told my number would be removed from the system immediately, this did not happen, the calls not only have kept coming but have increased in frequency and have even started coming in the middle of the night. I have never been a Citibank customer and I do not know anyone with the name of the person they say they are trying to reach. I really would like to see these calls stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I received debt collection notices for medical bills that were not properly due. The insurance company was still reviewing the claims when I received the notice and the insurance company did pay the claims, resulting in a credit on my account with the hospital. Several weeks after the credit was applied to my account, I am still getting notices from the collection company, although the hospital agrees that there is no debt due and instead there is a credit on my account. I called the collection company and they were not very helpful and do not seem to be able to work with the hospital to clear the account.

Company response to consumer: Closed
Consumer complaint received 2016-05-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX XXXX, I opened a Citigold checking account with an offer stating I would receive XXXX XXXX miles ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria several times, and was told to expect the XXXX miles to be deposited into my account by the beginning of XXXX XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the miles would be deposited at the beginning of XXXX, Citi has changed their mind. They have suddenly decided I do n't qualify unless I can find a mailer from 5 months ago showing the offer. I think it 's unreasonable for Citi to expect me to keep mail for such a period, especially after confirming my offer eligibility. I believe Citi intentionally misled me in a way that encouraged me to pay monthly fees for as long as possible. I searched the internet for others with similar issues and was not surprised to find that the issue appears to be widespread. I believe the evidence points to numerous instances of intentionally deceptive marketing practices by Citi. I am bringing this issue to your attention because my attempts to discuss the issue with Citi have gone nowhere.

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 2016-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Last XXXX I received a targeted offer from Citibank for a Citigold account which, after completing the spend requirements, was supposed to result in XXXX XXXX miles in that account. I fulfilled the requirements months ago. One citibank rep said I would get the miles in XXXX, then I was told I had n't turned in a tax form, then I turned it in and Citibank said they never received it. Then they admitted they had received it. I escalated my request at the XX/XX/XXXX and was told I would get the miles by XXXX XXXX. Has n't happened. Talked to Citibank last night and was told that Citibank has " approved '' the miles but they have no idea when they will be posted or available to me. Meanwhile I have been paying a monthly fee to maintain the Citigold account. Last night the representative said I would n't have to pay any fees for three months, but I 've already paid several months of fees AND I have no miles yet. I kept my part of the deal ; Citibank has not kept theirs. This is fraud. I want the miles, I want the fees rebated for the months since I met the requirements. I think I also deserve some consideration for the hours I have spent on the phone with them.

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