vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-14 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I received a letter from debt collection agency that I owe Macy 's $ XXXXI contacted Macy 's and found out that they did not have my address and phone number. 
When I created the Macy 's credit card, I provided all the information. 
Yet the information is never entered. They encourage customers to open a credit card account to receive discounts. 
They told me to wait for the bill since the balance will be different because of the discount. 
I never received and soon forgot the bill. 
Initially the balance was {$99.00} and now it is ballooned to $ XXXXIf I had been notified, I would have done something. 
What is interesting is the debt collection agency knows my address. 
I wonder why Macy 's did not send anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
We just completed and discharged our Chapter XXXX bankruptcy officially on XXXX XXXX, XXXX. 
ALL of our payments had been paid on time, along with {$24000.00} roughly, of interest arrearage paid to the XXXX mortgage holder/servicer Gregory Funding prior to discharge. ( see attached documents ) .To our shock and surprise we received a " Notice of Intent to Foreclose '' from Gregory Funding XXXX dated XXXX/XXXX/XXXX stating that we were delinquent 6 payments back to XXXX XXXX, along with nearly {$28000.00} past due amount, late fees included. The notice also showed that our payment would go up nearly doubling, as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION
State: MA

Complaint narrative:
Hello- I took a loan about 5 years with Regional Acceptance corp , loan was paid in full sometime in XXXX or XXXX in 2016, sometime in XXXX I contact Regional to get an update on the mail of the title and I was told that the tile was mailed to my address that I needed to wait a few days, a few days went by and I told them that I was still waiting on the title and their recommendations was to go to the XXXX office to request a duplicate, I been to XXXX different locations trying to obtain this document and up until now I been unsuccessful to do that, at XXXX they are telling me that they need a Lean release from XXXX in order for them to complete my request, XXXX is part of the corporation own by Regional Acceptance. I have contact Regional multiple times and request the lean release but instead the paper that they have provide me with is not the correct documentation. Im attaching copies of Statement of act, Power of Attorney & XXXX statement of fact obtain from Regional each time I have placed a call requesting the lean release. I can use some help since I do n't know what else to do or where to go. Im also including a copy of the registration /title inquiry from XXXX and a copy of the Application.

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 2016-10-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is a complaint against the department prevensin fraud credit card Costco, the reason for this is the lack of respect towards me and discrimination, for no reason have blocked my credit card and to check if I am the owner of the card. I have been asked a number of papers that have no problem in supply and in fact send by fax, and have called multiple times to see if it was reviewed your request, and just tell me represent we have not received anything yet. that brazenly tell me in my face liar. In view only tease me saying that you have not RECEIVED nothing and that in such case they how many days it takes not to receive and review them, reason that makes me go to this department to provide a complain to expedite this as pc they are a serious department. I feel cheated with this situation as it is the second time that make me, a representative of the department fradude was very rude and inconsiderate when I explained that I am traveling and as he had no such contact me I had to block the account I told her to call me a mobile phone and could receive text however did not want to do the review and that because my phone XXXX not registered when that phone has always been in my accounts citi Bank and the house and I said I had my house extension and received calls and either and for this reason XXXX XXXX put my card into research and I find travel and caused me a very unpleasant extres.

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 2017-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
this is fraud! someone has requested information on XX/XX/2015 and XX/XX/2015 in my name and I did not authorize it.

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 2016-07-31 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XXXX/XXXX/2015 I purchased a refrigerator from Sears. They gave me a discount for signing up for their XXXX XXXX. I never received a bill, statement, late notice, etc. on this account. I never even received the XXXX XXXX. All my bills are paid by " auto pay '' and I simply forgot about this bill. The collection agency mentioned my previous address so my speculation is the correspondence was sent there. I did not give this old address to Sears, I can only assume they found it on an old Sears " XXXX '' account that I use to have. If they did send it to this old address, then the company should share blame for not doing due diligence and catching this mistake when they approved the loan. 
XXXX contacted me on XXXX XXXX to inform me this account had been turned over to them for collection. I immediately paid the amount due in full ( including penalties ) from my checking account and the check cleared my bank the next day. 
I am XXXX years old and I have never missed a payment in my life. If Sears had sent me a bill or late notice, this account would have been paid

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 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX has been reporting a negative information on my credit files with credit reporting agencies under account number XXXX. It is manipulating account data details of the said account on my credit reports with credit reporting agencies in a way that 's causing my credit score to constantly and substantially drop in a absence of any new derogatory information. This is an extortion tactic to extract money I do not owe. Since XXXX XXXX XXXX XXXX has been reporting a negative account on my credit reports under different account Types : Factoring account, debt buyer, collection account, open account ... .In XXXX XXXX it reported the same disputed account that was already on my credit report since XXXX XXXX as a new collection account causing roughly a XXXX points drop in my XXXX and XXXX credit scores. Recently in XXXX I disputed errors with account details with credit reporting agencies mainly with XXXX and XXXX providing evidence that they were reporting inaccurately compared to Experian. When the XXXX agencies forwarded the Experian credit report I supplied as evidence to XXXX XXXX, suddenly on XXXX XXXX I was alerted of a XXXX points score drop on my Experian credit report even though no derogatory information was reported on my credit report with Experian. On XXXX XXXX my Experian score was XXXX, on XXXX XXXX it dropped to XXXX without any reason except what I suspect was data manipulations by XXXX XXXX. XXXX XXXX also caused a further drop of about XXXX points on my XXXX credit report by pulling the account around XXXX XXXX and reinserting it the next day making the account impact my credit as a new derogatory account. I was aware of this shenanigan when XXXX alerted me that XXXX was no longer listing the disputed collection account on XXXX XXXX but then the account suddenly reappeared and was reported on XXXX XXXX on my XXXX credit report. It is abundantly clear to me that XXXX XXXX is manipulating account details ( terms, status, dates, etc ... ) to make the disputed negative account perpetually appear on my credit reports as a new derogatory account. There is no other reason that can explain the substantial drop in my credit scores. 
In addition to data manipulations, XXXX XXXX which has had no dealings with me has been falsely reporting account payment history for that " debt buyer '' disputed account with credit reporting agencies. It also has been reporting an open collection account from an alleged charged off account they supposedly bought from XXXX and with past due amount even though I 've never opened an account with XXXX XXXX and never had a contractual agreement to make monthly payments at a certain date on the reported negative account.

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 2016-07-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX/XXXX/16, Citibank close my AT & T Access More Credit Card account # XXXX without explanation and refused to respond to my inquires. This account is an new account I opened XX/XX/XXXX and I paid the {$95.00} annual fee in order to enjoy the benefits of this account. Since this account was unilaterally closed by Citibank, I would like Citibank to refund me the {$95.00} annual fee I paid. 

Furthermore, the sign up bonus for this account included a {$650.00} credit towards a purchase of a new AT & T smartphone after spending {$2000.00}. Although I met the spending requirement very quickly I was not able to purchase the phone through the Citi online portal due to the Citi website 's technical difficulties. I contacted Citi Customer Service with this issue and the Customer Service Representative I spoke with advised me to purchase the phone directly from AT & T and faxed in the receipts to be reimbursed. I purchase the phone on XX/XX/XXXX and faxed in the receipt to Citi Rewards Department @ XXXX on the same day. Since the {$650.00} credit was still processing when the account was unilaterally closed by Citi, I suffered detrimental reliance since I purchased the phone with the expectation that I would be reimbursed up to {$650.00} by Citi. I would like Citi to follow through with the agreement of reimbursing me {$650.00} for the phone I purchased. I attached the fax I sent to Citi Rewards Department on XX/XX/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 2015-08-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Macy 's card on XX/XX/XXXX. I just checked my credit report and see that it was closed due to inactivity on XX/XX/XXXX. I was never notified that it was going to be closed. Since it was XXXX of my older accounts, now that it is closed, it has effected the average age of my credit history, which is negatively impacted my credit score. I would like for the account to be reinstated so that my history of good payments can be reflected on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a transaction with a merchant that we were not able to resolve, so I filled a dispute with my XXXX XXXX XXXX card in which the charge was originally authorized. XXXX XXXX after receiving all my information determined that the merchant should reimburse me and credited my account and closed the matter for the amount in dispute. A few months later, XXXX XXXX closed my account due to the fact XXXX was moving to Visa. I have a new account now with Visa/Citi bank and the disputed amount is now appearing on my statement as a new charge. I called Citi to let them know that I did not authorize this transaction on my card and that this was a fraudulent charge due to the fact it was not authorized on my account by me. They are refusing to credit the charge because of what they say is carried forward business from XXXX XXXX and that XXXX XXXX is authorizing the charge due to the fact they ca n't get reimbursed by the merchant. These are two separate accounts and XXXX XXXX after resolving the issue has no business being able to authorize a new charge on my card on a matter that was credited and closed by them and trying to get made whole by charging my new account with Citi to get their money. This is 100 % fraud and no one at Citi after hours on the phone is willing to do anything about the fraudulent charges. Please 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 explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
XXXX hired Financial Asset Management Systems to collect on a debt. Financial Asset Management Systems ( FAMS ) ran my credit report at least twice in 2015. Once on XXXX XXXX, 2015, and another time on XXXX XXXX, 2015. I never gave permission to FAMS to run my credit report nor did they have a permissible purpose to run the credit report XXXX within a 6 month period. FAMS is flagrantly violating thr Fair Debt Collections Practices Act with their deceptive debt collection tactics. FAMS ' only purpose of running my credit report twice within a 6 month period was to harass and annoy in flagrant violation of the Fair Debt Collections Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a victim of fraud I was told that XXXX was a part of XXXX. My computer was infected. The company, XXXX XXXX, fixed my computer and told me I needed to buy another version of XXXX. They told me the service was good for a year. My computer is now dead. XXXX is in the process of suing the company and told me to get my credit card company involved. Citicard has refused to help me in refunding the? XXXX that was billed.

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 2017-02-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX, GA XXXX. My husband went into the office at CitiFinancial to fill out the credit My husband responded to a mailing advertisement for a loan from CitiFinancial Services Inc., XXXX XXXX XXXX application because of debt 's and credit cards. My husband signed the Disclosure Statement, Note and the Security Agreement on XXXX XXXX, XXXX. He borrowed {$65000.00} and used the house as collateral. At that time I was lead to believe by XXXX XXXX XXXX ( Loan Officer ) CitiFinancial Services, " By signing the Arbitration Agreement was just an acknowledge that my husband was getting a loan. '' This was misleading. 
My husband filed for bankruptcy a chapter XXXX on XXXX/XXXX/XXXX. Unfortunately, he passed away during that initial process. The courts then converted the chapter XXXX into a chapter XXXX on XXXX/XXXX/XXXX. The loan was discharged XXXX/XXXX/XXXX. CitiFinancial stated that I would have to pay the loan or foreclose on my home. CitiFinancial determined the amount that I had to pay to keep my home initially was {$660.00} back in XXXX/XXXX/XXXX thru XXXX. Then the payments due to my financial hardships were reduced to {$460.00} from XXXX until XXXX. In XXXX/XXXX/XXXX due to my financial hardships the payments were further reduced after a loan assumption calculated the new monthly amount being {$200.00} which is being paid currently. As XXXX XXXX/XXXX/XXXX the balance remaining on the loan was $ XXXXafter paying for the last 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, 2016 I file a claim against Citibank and XXXX XXXX XXXX XXXX regarding a collection account that still is being reported it to the XXXX major credit bureaus, Citibank issue a letter on XX/XX/XXXX stating that they will follow through an investigation and that they would take them 3 month to notify of the results, it 's been 5 month already since I begin filing complaints against both of them. 
a Law Firm in New York called XXXX found violations being done specifically on this account XXXX has been the only XXXX that understood that this account should not be reported it anymore therefore they deleted it but the collection account is still active reporting it every month as of collection to XXXX and XXXX I have n't got No response from Citibank as they promise my record with both Citibank and XXXX XXXX is on your Data List with all the information pertinent to this collection account.

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 2015-11-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Century Finance, Inc.
State: NC

Complaint narrative:
XXXX the manger at century finance did not communicate that he was in an attempt to collect a debt several times. As well as XXXX his employee contacted me at work with out the Mini Miranda script. I was unaware they were attempting to collect a debit. Century finance inc, in North Carolina would also call me more than 10 times a week after I told them I have had a hardship and I will contact them asap. They also called my job XXXX so they had to call several places to find me. I also stated not to contact me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Hello, I opened a Citi Gold Checking account in XXXX per the terms of the XXXX XXXX XXXX miles promotion. Promotion ID : XXXX I have yet to received the miles posted to my account and it is well past the deadline. Citi bank is being unresponsive. 


In XXXX, after reaching out to Citi to confirm my eligibility of the offer, I received this response in a secured message : " From : XXXX XXXX Wise Date : XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Welcome to Citigold 's Online Message Service, my name is XXXX and I hope that you are having a pleasant day today. I will be pleased to provide more information regarding your promotion. 

Thank you for providing your XXXX number. I have now notated your account and can confirm that you completed the requirements for this promotion. Per the promotion policy, the XXXX bonus miles will be credited by Citibank to your XXXX account within 90 days from the end of the statement period in which you complete all offer requirements. 

With this in mind, you should expect to have your miles processed no later than XXXX/XXXX/16. Please note, it will take an additional statement cycle after processing for the miles to reflect your AAdvantage account. 

Additionally, thank you for completing your XXXX form. We have yet to receive it, however, it can take up to XXXX weeks for the documentation to be received and processed to certify your account. 

XXXX XXXX, your trust and satisfaction are very important to us here at Citi. It is a privilege to assist you with your promotion information and I look forward to assisting you again in the future. 

At Citibank we take customer satisfaction seriously, and invite you to share your opinions about the service you received from me, XXXX XXXX. Please click the link below to take a short survey on your contact experience. You will need the reference number XXXX to complete your feedback. 

Send Your Opinions Thank you for choosing Citigold. If there is anything else we can do for you, please contact us online with Live Chat, by sending a message, or calling Citigold Services at XXXX. Internationally, you can call us collect at XXXX. XXXX XXXX is available at XXXX. We are available to assist you 24 hours a day, 7 days a week. 

Sincerely, XXXX XXXX Citigold Customer Service Citigold is a service of Citibank NA, which provides banking services '' I am simply requesting that Citi deposit the promised XXXX American Airline miles into my account. 

Thank you, 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 2016-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposited a check XXXX XXXX, 2016 at an ATM at Citibank in XXXX CA. The check was my husband 's payroll check and less than {$5000.00}. The bank placed a hold on the check. My checking account was not overdrafted. I have overdraft protection. I have been banking with Citibank over 20 years. On Monday night when I called I asked what had happened and Citibank could not tell me nor would the funds be released. To my knowledge the funds have not been released. When I called on Monday night Citibank told me the check that I deposited had not been sent to them from the branch.

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