vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
At the beginning of XXXX I missed a payment ( this was my fault ) due to recent balance transfers and not realizing it was going to start on that day. That was my fault, I called them, and they did a courtesy removal of the late fee. 

I then enrolled in autopay on XXXX XXXX so I could prevent this from happening again. Their system showed I only had a {$2.00} ( yes, XXXX dollars ) payment for XXXX XXXX, and that it would take it out. 

XXXX XXXX came and went and no deduction happened. Again their system charged me a late fee. I manually paid the amount, since I did not want it messed up, while on the phone. However, they refused to remove this late fee even though this error was on them. They refused to acknowledge the error was theirs, saying it takes XXXX6 weeks for autopays to go into effect. 

However, I know for a fact their system was showing it was going to remove this, so yes it was their error. For that matter, in today 's technology, it should not take XXXX6 weeks for something this simple to go into effect. 

I suspect they are doing this on purpose, as the entire balance is a transfer from another card that was supposed to be very low interest, but with the " late payment '' on record they can jack up the interest rate. 

I suspect at this point the refusal to admit their system XXXX up, or maybe even purposely messing up, is done just to get more interest on the balance.

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 2017-01-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I attempted to retrieve my annual free credit report from Experian and XXXX via online. XXXX online services will not yield a free credit report for me. XXXX refused to yield a free online credit report for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FirstKey Holdings, LLC
State: CA

Complaint narrative:
For at least three times since XX/XX/XXXX and as requested by my lender First Key Mortgage, LLC XXXX, XXXX C/0 XXXX XXXX XXXX XXXX XXXX ( XXXX ), I had already faxed and downloaded ( into lender 's website ) proof insurance policy covering the improvements and betterments within my townhouse unit as confirmed several times by lender representatives on the phone and by fax receipts ( see attachment for verification ). But they kept sending me letters saying I did not provide proof of coverage and force me to buy their insurance by setting up an impound/escrow account for my loan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Last XXXX, I opened a citigold account with an promotion bonus XXXX XXXX miles. The requirement is spend {$1000.00} in the first XXXX months and made XXXX consecutive bill payment. I finish all of the requirements by XXXX. 
In XXXX, I contact with the customer service of citibank, they confirmed that I will received the bonus by XXXX XXXX, 2016. However, I did n't received any bonus miles. 
In XXXX, I contact several times with customer service of citibank, they refuse to give me the opening bonus and said there is no promotion associate with my 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 non-monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
We have had an Exxon Mobil credit card for several years. Inasmuch as we spend winters in Arizona and our mail has to be forwarded to us, we decided to reduce the number of credit cards that we use due to some issues with mail not being forwarded. It should be noted that we have been at the billing address since XX/XX/XXXX and forwarding should not be an issue. The last use of the card was done in XXXX 2015. We paid the statement that was due on XXXX XXXX, 2015, for {$1.00}. We did not receive any further statements until XXXX 2015. We were not concerned about the lack of statements thinking that the account was paid in full. The first that we were made aware of an outstanding balance was when we were contacted by a collection agency ( letter dated XXXX XXXX ), and then we received our XX/XX/XXXX statement ( closing date XXXX XXXX ) from Exxon Mobil which by then included hundreds of dollars in late fees. 

Since receiving the notice from the collection agency, we have made multiple attempts to resolve this issue with both XXXX XXXX and XXXX XXXX XXXX as to why statements were not sent until after large fees were attached to the original purchase. It took multiple calls to even obtain the original balance. Our efforts have been hampered due to Exxon Mobil 's policies dealing with customers. Although they routinely record phone conversations, they will not allow us to do the same. Faxes that were sent with supporting documentation were not acknowledged. Certified letters with the same documentation were returned twice even though they were sent to the address they provided. 

In summary, every effort that we have made to exercise our rights to dispute the bill have been blocked by their policy to restrict the customer 's ability to have any type of permanent record of the dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I made a purchase in XXXX with my Macys credit card for about {$43.00}. I never received a paper statement. I did find a email in my junk mail after the fact with online statement. I did not receive any additional statements once a singe payment was missed as well as a second additional payment. The balance today is {$110.00} after a {$27.00} and {$38.00} late fee was charged. this fee is outrageous given the balance. Second, when signing into my account, access to statements is disabled because the account is past due. I also am unable to review my disclosures as I was concerned about the late fee terms associated with balance amounts. After I called, no attempt to resolve the balance was made even though it was not intentional to miss the payment. I am writing this because I feel that the macys credit card has exercised unfair practices that resulted in multiple missed payments and then is attempting to get almost triple the money based on the original purchase amount. In addition, my credit report will most like now be effected, and I have no power to negotiate with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a credit card in the mail, Citi Master Card that I do not recall applying for. If I did apply for this card, I still do n't want it. I called XXXX and asked to have the card cancelled. I was told I would be on hold for 2 minutes so the man could do this. After 20 minutes of being on hold I hung up and called again. This time a woman told me I needed to identify the password I created that started with the letter " B ''. I never created a password for this credit card, and have never created a password that starts with " B ''. I assume that preventing people from cancelling credit cards is against some law or regulation and would like to file a complaint against this company for preventing me from cancelling this credit card. Thank you.

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 2016-05-20 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
XXXX/XXXX/XXXX made a purchase for {$2500.00} at Home Depot using my Home Depot credit card through Citi Bank. Transaction was supposed to be set up for 24 months same as cash. I made a second purchase on XXXX/XXXX/XXXX for {$230.00}. 
I have been paying $ XXXX month since XXXX XXXX. Instead of setting my original purchase up for XXXX mos they set it up for 6 months in be known to me they started charging me interest on my purchase. Once I realized the issue I called credit services on XXXX/XXXX/XXXX and pointed out it was supposed to be 24 months same as cash. They have corrected that and out both totals due on XXXX mos however I have made at least XXXX additional calls since XXXX because they are not crediting me the {$720.00} in back interest that they charged me when they ended my promotion at the 6 mos mark. I have called 4 times and have gotten the same response to allow XXXX billing cycles ( which has come and gone ) and then have been passed around customer service to the customer advocate unit and they all say " oh I see where it was requested but nothing has been done, I will send another request ''. I am done with their excuses when I owe money I get calls and emails and threatening late payment fees but when they are due to credit me they drag their feet and nothing is being done!

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 2015-06-25 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got 2 Pre Paid Debit Cards issued as a Reward by my Employer one for {$500.00} & Other for {$250.00}. The Cards Had an Expiry Date of XXXX. 

I did not use the cards before the expiry date and all the Funds ( {$750.00} XXXX in total - were unused and the cards expired. 

When i contacted the Issuer ( Citi Bank XXXX to ask about re-issuing the cards for the remaining amount - after deducting the applicable Monthly Maintenance Fees ( {$3.00} Per Month as outlined in the Service Agreement ) - i am being told that, the Balance Amount Can not be returned. 

The Card Holder Agreement Does not have a forfeiture class where in it is indicated that the unused funds will be forfeited after the expiration date. 

I am shocked upon knowing that i stand to loose {$750.00} - even when i am ready to pay the monthly maintenance fees. 

Can you let me know - what options are available for me to pursue recovering the unused funds - {$750.00} - and how to get this done? 


Sorry..I was out XXXX and hence ca n't attend the call. 

I talked with my employer and to the Citibank too. But they again confirmed that I wo n't be getting my money back. 
Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We were trying to refinance our mortgage. So after talking with multiple lenders we decided to go with Citi Mortgage based on the GFE they provided which has {$5000.00} as lenders credit at 3.000 % interest rate. However, 20 days later when interest rates went up, I got another letter email saying that they recently received new information and sent me a new GFE which has lenders credit reduced to {$1000.00}. 

Now I ca n't even go for new mortgage shopping as the rates have gone up. If they would have mentioned the same before I committed to go with them, then at least I would have had an options of going with next best option.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Applying for the Citi / AAdvantage Executive Card I called to ask when the Annual Fee was due. I was told it was due at the 6 month mark. So, I applied and received the Citi / AAdvantage Card. On the first statement I received the annual fee of {$450.00}. I immediately called them to tell them of the problem but, all they offered was {$50.00} off the {$450.00}. I told them what I had been told earlier but, I just got a " stock answer ''. I paid off the card all but the {$450.00} annual fee and then closed it. They sent me a letter saying the card is closed but they will still be charging me the fee plus accruing interest each month as well as alerting the credit bureaus. 

I feel I was tricked into getting the card and now being bullied. How can they charge a fee for something they have not yet provided? What 's more, something I will never receive? With interest on top of that. And threaten to wreck my credit if I do n't pay up. XXXX. I 'm not paying for something I did not and will not receive.

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 2017-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI bank advertised that it will reward every customer that opens a checking account with a XXXX deposit before XX/XX/2016 with XXXX dollars. I opened the account on XX/XX/2016. I was supposed to maintain the deposit for 30 days. I never took my money out till today. Today is the start of the fifth month I called and complained to them 3 weeks ago they agreed that the amount should be deposited. They opened an investigation but never did anything about it. As a last resort I am coming to you please resolve the problem and save others from the misery I have been through 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 monetary relief
Consumer complaint received 2017-02-20 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
A friend notified me about a XXXX point promotion for a Starwood 's XXXX credit card. I XXXX and it brought me to a page to sign up, mentioning the promotion. There was no clear indication about restrictions, and when I signed up, it never said I did not qualify for the promotion. After achieving the necessary spending, I did not receive the promotion points. I contacted XXXX and was sent a form letter denying my request with incorrect information, and with no phone number or address. I called XXXX and no one could provide me any contact information, so I now need to contact the CFPB I believe I am due XXXX points in the promotion. XXXX 's response is basically an unreachable black box, presumably to prevent customers from reaching them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In 2010, a rental car company in XXXX charged my credit card for a deposit against damages at XXXX rate of exchange and then debited my credit card at a different rate pocketing the difference. I attempted to resolve this with the merchant but to no avail ; when I disputed this with the credit card I was stonewalled, my written letters were ignored, and after repeated attempts to discuss with them, them ( XXXX XXXX ), I closed the account having paid all that was owed except for the disputed amount. I now find that despite my otherwise excellent credit rating, my FICO score is being dragged down and inexplicably affecting my insurance premiums. 
At the insistence of the credit card company, all dispute processing was done on line, therefore little supporting evidence is available. However, I am attaching the final letter that I wrote them concerning the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Comerica
State: CA

Complaint narrative:
I have a checking account with Comerica Bank for many years. On XXXX XXXX of 2016 I deposited {$4000.00} into my account, the deposit was in the form of XXXX money orders of {$1000.00} each. As usual I received a receipt of {$4000.00} deposited into my account. I monitor my account online at Comerica Online Banking. Comerica Bank online banking indicate that my account after clearing certain payments, my account ended with a positive balance of {$590.00} on XXXX XXXX of 2016. On XXXX XXXX of 2016 Comerica Bank charged a total of {$270.00} of overdraft fees, XXXX times {$25.00} in overdraft fees. On XXXX XXXX of 2016 my account ended with a positive balance of {$590.00} after clearing all payments ; on XXXX XXXX of 2016 my account ended with a positive balance of {$590.00} even after Comerica Bank deducted {$270.00} in overdraft fees. I called Comerica toll free phone number to ask why my account is charged overdraft fees when the account never had a negative balance ; the person answering the phone had no answer and directed to contact the branch where my account was opened ( XXXX, CA ). Next day I went to my branch and contacted the branch assistant manager about the overdraft fees ; she was very understanding but said that only the branch manager make a decision in refunding the fees. I had to leave to open my small business ; I was assured by the assistant manager that she will talk to the branch manager and a refund will be initiated. I waited one week and nothing happened. after a week I went back to the branch and talked directly to the branch manager, I presented him with copy of deposit of {$4000.00} and a printout of my account ledger from Comerica Online Banking indicating that my account had never had a negative balance after all payments cleared on XXXX XXXX of 2016 therefore Comerica Bank should not charge me overdraft fees of XXXX the next day. The branch manager ask me for my cell phone number and that he will research this matter and call me by the next day. I met with him on XXXX XXXX of 2016 as of this writing I never heard from him ; he never called nor he refunded the {$270.00} in overdraft fees. To conclude, I want Comerica Bank to refund into my account {$270.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-04 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: TX

Complaint narrative:
We get calls from XXXX to XXXX each day, repeatedly throughout the day, from Macy 's XXXX. They call from two different numbers, XXXX and XXXX. I usually ignore the calls but finally answered the phone one day.They claimed that I have an outstanding balance on a credit card. This was an extremely false accusation, as I explained this to the individual on the line. I was not going to give them any information related to a credit card to pay off the supposed debt. I asked that our phone number be removed from their calling list, as we are on the Do Not Call List. I also made the statement, " Operator this is the phone call. '' ( but obviously this statement does not work ), since then they seem to be calling more than before. I would like to know what can be done for these calls to stop as they are harassing and disturbing.

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 2016-07-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX I opened a checking account using code XXXX, which I got from Citibank 's website. I have a screenshot of the offer.The terms of the offer stated if I made a deposit of {$50000.00} within 30 days of account opening and left it for the next 30 days, I would have a {$500.00} bonus deposited to my account. I made a {$50000.00} deposit 12 days later and left all of it there for over the next 60 days. I asked about the offer over the phone. I got a secure message on XXXX that the bonus would be posted within 90 days of the offer fulfillment, which would have been XXXX plus 90 days. It was never posted. I called again on XXXX and was told that they would have to research it ( XXXX ). The rep on the phone said if I did n't hear anything in XXXX or 4 days to call back and give them that number and they would expedite. I called back 5 days later and was told the same thing, that they would expedite the research. I called again today for the third time in 2 weeks, and was told again to wait while they expedited. I see from looking at the CFPB database that this appears to be a common complaint. If I had known this, I would not have even bothered to open the account. I have had a Citibank credit card since XXXX, a loyal customer for the past 29 years, just not a checking account with them. I was impressed with their quick response to my phone call in XXXX. I am disappointed with the lack of response to my last calls. It almost seems like a stall tactic now.

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 2017-01-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Regarding complaint case # XXXX, I want to add that as part of resolution I want my credit reports at XXXX, XXXX, and XXXX to reflect the fact I did not pay Citi Bank AT & T Universal credit card bill late. I also want the complaint published.

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: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX lowered my credit limit by XXXX with no notice. Account has been open since 2012, and balance had been paid in full for most billing cycles. In this instance, payment was 6 days late. Company claims they notified me of this policy in 2012.

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