vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-13 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have visited Macys store and bough some items on XXXX/XXXX/2016. I realized that my credit card is expired so i told them that i can not use my credit card, but csr said she can look my account with my ssn and still charge my credit card, i told i dont want my credit pulled but she assured that she is just look into account to confirm my identity.on XXXX/XXXX/2016 i opened my macy 's online account to notice XXXX account on my names. So they opened a second account on XXXX/XXXX/2016 with out my knowledge ( i called macy 's customer service and they confirmed it and are investigating it ). 
I know my credit history will lowered due to this and i a m planning buy a new home and due this i might loose XXXX over 30 yrs loan period. Not sure how i can legally proceed with macy 's for cheating 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 2015-08-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a car rental reservation on XXXX/XXXX/15 with XXXX XXXX for an upcoming trip on XX/XX/XXXX-XX/XX/XXXX. I paid {$210.00} for the rental. Today I received an Ad from XXXX advertising the same product for the same time period for {$150.00}. I called XXXX XXXX and asked them to please refund the difference. Needless to say I received a run around. I contacted my Credit Card Company to explain the situation and that I would like to use their " City Price Rewind '' benefit. Citi told me that the benefit does n't apply to Car Rentals. My question is why is this purchase any different than any other purchase? It seems to me if a company offers a lower price on an unused product, they should honor their new advertised price.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a message from you on XXXX indicating you had received a response from Citibank. But when I opened it, it merely repeated my updated complaint ( XXXX ). I receive the attached form letter as often as three times a week XXXX XXXX XXXX. I made a timely reply XXXX ) but then I recieved a letter from another party at Citi XXXX who copied you. As always, I can never assume the info I send to Citi is properly recorded. Often, it takes weeks before Citi acknowledges receipt. By then, it often imposes additional requirements ( I noted that when XXXX XXXX was assigned in XXXX, the process started anew as though I had not submitted all the info the previous three months

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

Complaint narrative:
On XXXX/XXXX/2015 I had sent a payment by the approximate amount the account balance for {$780.00} with check number XXXX for Citi to be credited to the card ending in XXXX. Still today the date of payment it has not been proven despite efforts multiples me customer service and its research department of payments. I sent the evidence of the canceled by fax and mail check. They tell me that they are still investigating. They still me charged interest and minimum payments

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: Late fee — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This past spring I opened a Macys card and subsequently started buying a few items needed for the new apartment into which we recently moved. Not long after that, I received my statement in the mail, which I promptly paid. The same thing happened the following month. Then in early summer I purchased some new pants for the new season. A couple of months went by before I realized that Macys had not sent me a billing statement. And at no time did I request or approve a change to statement delivery electronically. Finally, a statement showed up in the mail showing a late fee and interest for the amounts of {$32.00} and {$4.00} respectively. I promptly paid the balance for the value of purchases minus the late fee and interest. In addition, I wrote Macys explaining that they did not send me a statement and to kindly remove the late fee and interest. More than 6 weeks later I received a letter from Macys informing me they would extend to me a " courtesy '' adjustment for the late fee and interest. And that these adjustments would appear on my statement within XXXX billing cycles. Unfortunately, I never received a statement and instead received some sort of Debt Validation Notice for {$31.00}. Please keep in mind that I paid my account balance in full, minus XXXX late fee and interest. At this point, I decided to log on my account and noticed they have now charged my account late fees and interest for XXXX, XXXX and XXXX. 
To me, it seems that Macys has a business practice of not sending statements to clients so they ( Macys ) can generate revenue in the form of late fees and interest. In addition, they offer a courtesy adjustment, then not credit the amount ( s ) in question in a timely manner so they could again charge the account further late fees and interest. 
To that end, I wanted to share this with you. I do n't know if this practice is illegal but it certainly appears to me at deceptive to consumers.

Company public response: Company 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: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: ZENCO COLLECTION, LLC
State: TX

Complaint narrative:
I work from home and receive a call from a XXXX phone and the was told that I should hold for a constable. I waited for about 2 mins and a gentleman came on the line and told me he had a summons to serve me and I should verify my address which I did. He then told me to verify my social security # and he rattled off my number and I confirm it. He them told me he had a warrant for my arrest as I owed Discovery Card {$4300.00} and I inform him I have never in my life owned or used a discovery card. 

He got very rude and told me he was coming to my home to XXXX until I paid my debts as I was a dead beat and people like me needed to be shot on sight. 

I hang up the phone and called back to speak with a manager and was refer to a XXXX who stated her employee number is XXXX and I informed her of the incident and let her know I intended to file this complaint with the CFPB and Atty General Office.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Unable to dispute charge. Called toll free number on card XXXX times. Each time after identifying myself, the recording recognized me and my phone number, and it accepted my " secret word '', it would say " we 're too busy right now to take more calls '' and just would give me a dial tone. So my CC company just hangs up on me when I 'm trying to do a dispute. So I called and after many questions and answers supplied to the automated system, finally I was able to get customer service. I could hardly understand the person, they had a very strong foreign accent and did not speak in complete sentences. They said the disputes department could n't take my call as they were overwhelmed with calls, and I would have to try again some other day.

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 2017-03-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was notified on XX/XX/2017 by CitiCards that there was a fraud alert on my credit card. They sent me an email, a text to my cell phone and called my cell phone via IVR. I answered the cell phone call and after connecting and talking with the agent, I thought everything was taken care of. My card that had been compromised would be canceled and I would get a new card the next day. On XX/XX/2017, I get another call about the fraud alert, I explained to that agent I had already been called about the XXXX in question. My new card did arrive on XX/XX/2017. On XX/XX/2017, I got yet another call about the same fraud alert. I complained saying this was getting obnoxious. I filed a complaint through Citi 's web email. Got a response the next day ( XX/XX/2017 ) that it was being forwarded to the appropriate department to handle. On XX/XX/2017, I got yet ANOTHER call about the same fraud alert. I asked to speak to a supervisor, sounded like the supervisor was going to handle. I fired off another reply to the email stream to let them know their system is still broken and I 'm still getting calls. I got a generic response back that did not address my question - which is why am I continuing to get fraud alert calls when my card has been closed? So I let them know their reply did not address my question. On XX/XX/2017, I received 5 phone calls - 2 on my cell, 2 on my home phone and 1 at work. If they did n't reach me on my cell, 7 minutes later they called my home. A half hour after that, same sequence. I never answered any of them on XX/XX/2017 because there was no point. I fired off another reply to the email stream saying that this was harassment and what are they doing to fix this. I threatened in the email that I was going to cancel my credit card. I decided to call customer service on the back of my credit card. I complained that no one was trying to help me, that I 'm getting XXXX responses through email, that the fraud alert agents say they 're taking care of it yet I 'm still getting calls. Something has to broken in their system. I threatened that I 'm going to cancel my credit card. The agent was able to get through to a fraud alert supervisor. The supervisor told my agent that they would try another way to get the calls to stop vs just reporting the incident. Citi needs to get their act together on this. I ca n't be the only customer experiencing this.

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 2015-08-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am always on time with very good credit. I have cards with high limits. I had a Citibank best buy card that I never use w a low limi, they charged me a yearly fee I was unaware of and then reported me late. This dropped my score dramatically and is really hurting me!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I went on line and had my cash rewards sent to me by check. I was informed that it would take 10 to 14 days to receive it. I never got it. I called CITI and the person put a stop on the check and supposedly issued a second check and sent it off to me. After two weeks I never got that check either. Called in again and the person put a stop on that check as well and told me that I had a problem on receiving my mail. I told him my mailbox is locked shut and no one but myself is opening the mailbox and all my other mail is making the trip to my mailbox just fine. He then told me that he was going to restore my cash rewards to my account and that I should go online and have it transferred electronically to my bank account. He said it would take two days to post. After four days my cash rewards has NOT been restored. I 'm now convinced that CITI never sent the check in the first place and I 'm now getting the classic runaround.

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 2016-05-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
On the evening of Tuesday, XXXX XXXX, 2016, my credit card wallet was stolen from the locked trunk of a family member 's vehicle. One of the cards stolen was my Citibank-issued Sears MasterCard. While at the police station, waiting to file a report, I began contacting my credit card companies by phone. I tried three different times to contact Citi/Sears about that card. Each time, I was put on hold for too long. ( And as it turned out, I WAS calling during " open '' hours. ) I continued to work on cancelling cards until I was released from the station and sent on my way home. Once at home, I contacted XXXX XXXX Services, through which I have the XXXX plan. Because my Sears card was registered with XXXX through XXXX, XXXX was able to have my Sears card blocked. HOWEVER, it must have been just a matter of timing, because before the card was stopped, I was hit for {$3600.00} in fraudulent charges at the local XXXX. I did not become aware of this until the morning or early afternoon of Saturday, XXXX XXXX, 2016, at which time I attempted to contact Citi/Sears. My initial point-of-contact took some information from me and then put me on hold for an extended length of time. She finally came back on the line to inform me that the Citi/Sears fraud department is closed on Saturdays and Sundays and that I would have to try again to file my fraud claim come Monday, XXXX XXXX. I find it utterly inexcusable that one of the largest credit card issuers/servicers in the United States does not have XXXX/XXXX/XXXX fraud/loss services available. Once I spoke with them today, I did verify that they are indeed closed on the weekends and only available on weekdays from XXXX to XXXX CST. Again, I find that inexcusable. So, this is the complaint that I wish to submit. A credit card issuer/servicer should be required to provide XXXX/XXXX/XXXX assistance in the cases of fraud and/or loss. 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 monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I returned XXXX gifts to Bloomingdale 's in XXXX. I showed them all of the receipts and all items had the " required for return to bloomindale 's '' stickers that give them the transaction history, telling how the items were originally purchased. A credit was placed on my bloomingdale 's card, as has been done before when I have returned gifts. When I called to check on my bill, I still had a credit balance and they asked if I wanted a refund check. I said yes. They said it would be 7-10 days. I never received it. I was sent a letter stating that the items were not originally charged on my credit card ( of course not, they were gifts charged on my mother 's card ) and they wanted history of purchase. I had already given them that information. They suggested that I return to Bloomingdales ( a 50 minute drive ) with the receipts again. I told them that was unreasonable, as I had already done that a month before when I returned the items. I provided them the information and they should have record of purchase on my mother 's account. The customer service agent I was speaking to kindly agreed to look up and provide them the information they had requested. I still did not receive a check. I filed a complaint with the XXXX ( Complaint ID # XXXX XXXX over a month ago and Bloomingdale 's has not responded. It does not seem legal that they refuse to pay me my credit balance on the credit card. It has almost been three months since my first request. They have been paid for the merchandise and have been returned the merchandise, but they refuse to pay me the money they owe me. They owe me {$710.00}

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 2016-07-25 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
We opened a cd with XXXX XXXX saving in XXXX XXXX XXXX Calif. During the term of the cd Union bank bought XXXX XXXX XXXX . Our 5 yr. cd matured and rolled into a new cd. XX/XX/2016 without receiving any notification from Union. When I discovered the cd rolled over I went to Union to cash it in. It was Monday. XX/XX/2016 I was upset about the penalty and the conversation with the teller was not having a beneficial effect. I ended up yelling and making a scene and abruptly left the bank with out cancelling the cd. Then on the following Wednesday, two days later, Union Bank called and said they were cancelling the cd and another account under my family name. I told them I was ok with them cancelling my cd figuring if they were cancelling it there would not be a cancellation penalty of {$1400.00}. but said I did not want the other account closed. The representative said he would have to ask the office if we could keep the other account open and would call me back. He called right back and said Union was requiring all my accounts be closed. They said they would be overnighting me a cashiers check for the cd. The next day when I looked at the cashiers check they had taken a {$1400.00}. penalty fee and claimed that they were closing the cd by my request. I did not cancel the cd, did not fill out any cancellation paper work and was planning on sitting on the cd till I figured out what I was going to do. Union did not call me on that Wednesday morning because of their desire to provide me with good customer care, not. They called because they wanted to cancel my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I applied for the loan on XXXX XXXX 2015 and a deposit was made on XXXX XXXX 2015 through XXXX Installment Loans. The company stated the effected date was on XXXX XXXX 2015 and also stated " I may get funds earlier ". The effective date obviously was on earlier. They requested an electronic signature before the funds were available and made the deposit before I could refuse the loan the next day. I then received notice of payment on XXXX XXXX 2015 for payment on XXXX XXXX. A payment on XXXX XXXX 2015 was deducted from my bank account by XXXX Installment Loans. The " Terms Agreement " was not received to my knowledge during the deposit or signature. I opened my account information and it was available at a later date on there website. I have read about the company being a scam and it 's legitimate that they backed out of their own contract. The interest is over what the government would allow. It 's at 800 % interest and they have my SSN, bank info, and work info.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 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:
I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX 2015, I and my wife went shopping for a dryer and washer at Sears. The sale person told us that Sears was having a promotion no interest and no payment for 12 months. We decided to buy a dryer and washer and he explained to me the terms verbally and told me that I do not have to worry for 12 months and the credit card department will send me the documents and the statement when the payment is due. 

Sears Credit department never sent any document to me and after 6 or 7 months I began wonder but not worried as the sale person told me that I did not have to worry about the payments for 12 months. However, on XXXX XXXX and XXXX, 2015, I called them anyway just to check why they did not send anything to me. When I called they said they sent the documents to my address and I asked which address, they refused to tell me and they said I have been late. I got upset and disputed with them but they said it is too late. The only thing I could do is to go to talk with the sale person who explained the term to me as them to clear it. I went to Sears. They said the sale person no longer worked there but they advised me to pay it off so that my credit report was not affected. I got no choice but paid everything off on that day. They said they cleared it and I should not be worried about my credit report and they fixed it in they system. 

Now I am planning to buy a house and checked my credit report has the information of late payment with Sears and they said I was late for 150 days, which is not even correct. I am requesting for help in clearing this from my credit report. I have never been late with any other companies as you can see on my credit report and this was because the confusions that Sears had created. Please let me know if have any questions and my cell phone number is XXXX XXXX XXXX XXXX if you need to contact me. Thanks for you 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