vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello, This is regarding an incorrect late mark on my credit report by Macy 's. Macy 's removed my auto pay set up with out my consent. I received a call from them a month later stating that I had a late payment for XXXX 2014. I talked with the rep and we did digging to find out why the auto pay got cancelled and she confirmed that Macy 's canceled it on their end. She mentioned that the auto pay got cancelled because my minimum for prior months was XXXX ( of course because I did not use it those prior months ). The minimum payment should have been documented as XXXX ; not the cancellation of my auto-pay. The rep agreed and removed the late fee that resulted from this error ( see the XX/XX/2014 attachment ) and took the payment from me. I reviewed my credit this XXXX and found the late mark from Macy 's still on there despite the fact that this should have been resolved last year. I have contacted Macy 's several times regarding this and they have been very rude and. I then proceeded to dispute this information. The first time I only had a description of the issue on the dispute and they responded " current and 30 day late payment ''. This was not my fault and was an error on their end. I then disputed once again and called the credit bureau to see if there was any way to send attachments as proof. They let me do that. Macy 's did not look at this information and responded to the dispute with a " " blank space. No comment, no explanation, no nothing. I have attached these documents and decided to file a complaint on them. Their approach is completely inappropriate and their negligence to review all supporting documentation that came with the dispute is unacceptable and leads me to believe that they are not willing to take responsibility of their mistakes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX divulge my debt to a third party in order to track me down. On XXXX XXXX, 2015 police officers delivered a " CONSENT JUDGEMENT '' to XXXX XXXX XXXX, XXXX, LA XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
As of my XXXX XXXX, XXXX, billing statement I have incurred a {$26.00} late fee and also interest charge of {$20.00} on my statement for my Citibank thankyou XXXX credit card. I have my account on automatic payments since I received this credit card, and my personal checking account has been debited every month in the amount of {$25.00} on the due date. I also was signed up with a 0 % promotion when I obtained the card in XXXX of XXXX with no interest until XXXX of XXXX. The customer service agent advised that I have incurred interest charges since XXXX XXXX on my account, and I was not notified of this, as I did not receive any e-mails on my account, nor written correspondence in reference to this matter, nor was I contact about this either. I am being billed fraudulently for interest and also billed a late fee. I spoke with Citibank credit card today and was informed that I never was given this promotion, which, is inaccurate and that my payments changed from autopay to recurrent, which, I DID NOT DO AND DID NOT AUTHORIZE TO MY ACCOUNT. I also did not receive any e-mail notifications to my e-mail address about any changes regarding the above issue nor changes to my account. I have paid my balance in full for the amount of {$3400.00}. I was informed by customer service once the account was up to date in payments, I would receive a credit of my late fee and interest charges accrued.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Explain to me how I am years ahead in repayment. My income is up, my credit is up, I am paying still more early and my interest rates on my loans go up on me. This is just squeezing more money and trying to claim oh its the market. No its a bank wanting more money when its already made XXXX in interest off me on student loans. And I do mean thousands made off 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 2016-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XXXX XXXX I made a online payment to XXXX for XXXX the payment was never received. On XXXX XXXX a good faith letter was sent advising of the payment, amount of payment and account number. Another payment was made on XXXX XXXX which again was n't applied. After a 3 way call with XXXX, XXXX and myself it was determined the funds were sent to Citibank which was the previous owner of the card. On XXXX XXXX another 3 way call with Citbank, XXXX and myself in which payment amount, date and trace numbers were sent. I contacted Citibank on XXXX XXXX and they had no record of any account or correspondence. I once again, contacted XXXX and was told the case had been closed and would reopen it. The representative told me he would call me this XXXX XXXX XXXX but have yet to hear anything. I have spent well over 100 hours on the phone trying to get this resolved, to no avail. XXXX XXXX has repeatedly sent proof of payment, transaction records and CitiBank refused to communicate. I have been in direct contact with a representative from XXXX XXXX and they have now sent it to there liaison.

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 2015-05-29 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Sears Master Card from Citibank has a points program " Shop Your Way '' which supposedly tracks your purchases, provides a " pin '' number for use during the purchase and tracks what you spend and applies the " accrued points '' for use on your next purchase. This is a joke. It does n't work properly and when you try and resolve anything, nothing happens. Sears does not manage the program. It signs you up automatically and does n't assume any responsibility for errors through Sears ' " customer service ''. 
I have been attempting to find answers for two business days and all I get is a '' robo '' e : mail telling me to check their website. Talk about going around in circles. I do not recommend Sears for anything and will cancel my charge card there. I 'm sorry I ever agreed to open it. Not to mention the interest rate is horrendous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have a Macy 's card. The back of the card states Department Stores National Bank issues the card. My problem started with a collections call in XX/XX/XXXX from Macy 's. They said I owed {$1900.00}. I was shocked because I have n't used my Macy 's card for a few months. I always pay it off and I definitely do n't spend that much with it. I found out in XX/XX/XXXX someone had my address changed on the card and then made charges so I never got a statement or knew those charges were there. After many transferred calls and being put on hold, I finally reached someone who said it would be taken care of and I would n't be getting collections calls nor would it be on my credit report. I pulled my report and there it was. I thought that would be fixed but it was n't. I receive another letter saying I owe {$100.00} instead of the {$1900.00} I do n't recall spending that in that time frame so I call to find out why I still owe {$100.00}. I ca n't get one person to explain this amount. They just say it will be taken care of. Now in XX/XX/XXXX I 'm still getting statements saying I owe {$180.00} because they added late fees. I ca n't get a straight answer from this company and I ca n't see any statements from that time frame to know where they got this {$100.00}. If you look at Macy 's XXXX page you will notice how many people have problems with this company.

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 2016-07-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Idenity theft, submitted affidavit and paperwork to company. 
Company did not comply with validation of 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 2015-03-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I settled my mortgage account in XXXX 2014 as agreed on between me and my mortgage lender. As of date my credit report is reflecting that my last date of payment was made XXXX 2014, and that I was delinquent several months after the final payment was made. I have continuously disputed this information under the FCRA with the credit bureaus yet the creditors keep verifying that the information is accurate. I then disputed the information with the creditor Citifinancial and they refuse to change the information to reflect the date of my last payment. They are not reporting accurate credit information. 1. The date of last payment is wrong 2. I ca n't be late on an account after it has been paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC.
State: MT

Complaint narrative:
I recently discovered by viewing my latest XXXX credit report this past XXXX XXXX, XXXX that Midland Funding , LLC had entered a Civil Judgment into my Public Record. I had no prior knowledge of this suit and Judgment since I had not received any service thereof. 

This suit was filed in XXXX XXXX XXXX Court XXXX on XXXX XXXX, XXXX, with Judgment later docketed on XXXX XXXX, XXXX. My issue is this ; I had moved on XXXX XXXX, XXXX XXXX and have resided there ever since at the same address. 

I was fully aware of Midland Funding owning this debt since mid XXXX when I was, at that time seeking assistance from the Law Office XXXX XXXX XXXX XXXX XXXX, XXXX who is a highly rated debt settlment firm XXXX. I have since parted ways with this firm as of fall XXXX due to it 's rather high fees. My wife ( who is the sole wage earner ) and I suffered a significant financial setback in the form of her leaving her job at the end of XXXX due to an abusive boss. 

We had struggled all thru XXXX and into XXXX when we were finally getting back upon our feet, with our finances becoming more manageable. As of this past XXXX XXXX, I then decided to embark on settling our credit debts. I sent XXXX settlement letters via USPS Certified Mail to Midland Credit Management, XXXX for myself dated XXXX/XXXX/XXXX and for my wife 's account dated XXXX/XXXX/XXXX both of which were signed for and picked up, but got no response except for a simple letter ( dated XXXX/XXXX/XXXX ) thanking me for updating my contact info with them. They mentioned nothing about the suit or anything related to it, let alone any information on a judgment. 

Today, Wednesday, XXXX XXXX, XXXX I then made contact with Midland Credit Management and was directed to a woman named XXXX XXXX XXXX ext. XXXX ) who I was informed was handling my account. After speaking with her and some back and forthing, a supervisor then picked up who 's name was XXXX XXXX ( last name was difficult to understand due to his heavy accent ). XXXX he and XXXX sidestepped the issue of the judgment after I referred to it several times and after some discussion, I decided that the conversation was n't going anywhere positive. XXXX kept insisting the full amount of XXXX which included some {$77.00} related to the judgment was to be included in the amount to be negotiated, to which I insisted repeatedly that the judgment was invalid, but she would hear none of it. Their offer was a 40 % discount on XXXX debts, both my wife 's and mine. 

It 's worth noting in my opinion that while my accounts were with XXXX XXXX XXXX debt settlement law firm mentioned above, they were able to achieve a 60 % discount on my XXXX XXXX Bank XXXX XXXX XXXX, XXXX. {$680.00} debt for a total of {$270.00}. They, MCM, were not offering that very same deal at this time, but were very persistent on only offering a 40 % discount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I hold XXXX student loans with Citibank. I decided in XXXX to submit their auto-debit form. Unfortunately, the form can not be submitted online and must be mailed. Citibank has no record of receiving my request. I only realized this yesterday when XXXX notified me of a late payment on my credit file. I immediately logged into the Citibank student loan website, made the payment, and sent them a message inquiring about the issue. They responded that they had not received my request. 

In the past, Citibank used multiple methods of contacting me including sending paper statements and telephone calls when I had n't paid by the due date. It appears they have changed their practice. If they had maintained the contacting methods they used in the past and that are similar to other creditor practices, this situation would have been avoided. 

I am seeking a mortgage for my first home and this derogatory credit reporting will severely impact that process. I am seeking a resolution where at the least Citibank removes the derogatory credit reporting. To help others, they may also streamline the auto-debit process, and be much more clear about notifying consumers when they change the method of contacting them in similar situations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi bank applied a service fee to my savings account that was not previously applied with no prior notification. As a result of this fee, then then applied an additional overdraft fee, for a total of {$59.00} in fees in expected fees.

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 2017-03-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR

Complaint narrative:
We have sent in a qualified written request to SPS on XX/XX/XXXX via certified mail in request for information regarding my loan and they have yet to answer, this company has refused to have any conversations with me or provide me with any information on my loan since they have had it, I have never received a payment book or a letter informing me that we had a change of banks. 
we have sent in a qualified written request to SPS on XX/XX/XXXX via certified mail in request for information regarding my loan and they have yet to answer, this company has refused to have any conversations with me or provide me with any information on my loan since they have had it, I have never received a payment book or a letter informing me that we had a change of banks. 

I have requested the assistance of an attorney office to help investigate some issues with my mortgage, I do not believe I have signed some of the documents they claim to have due to the dates they are claiming, since I have never received a copy of my closing documents at time of closing I had mad a formal request of all documents in order to make sure my loan is correct. 

since XX/XX/XXXX the original bank " XXXX XXXX '' refuse to give me my copies of my mortgage, my X husband has been in charge of making the payments and controlling the flow of information coming from the bank, since the change of lenders I had found out because people came to the house and told me the loan was behind, but no one has been able to help us at the bank. 

the attorney was the only person able to get the account number from the SPS but has still not sent in our proof of documents. 

I XXXX XXXX and my daughter are the only ones living the house for 12 years and the house was an inheritance from my father, I ave lived there for 41 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
As a reward from XXXX, I got a prepaid Visa card through CitiBank. I received the card from Citi about XXXX XXXX, 2015 and did not use the card until XXXX XXXX, 2015. I used this card a couple more times in XX/XX/XXXX, then put it away for future use. When I went to use it again last week ( XXXX XXXX, 2015 ), I called to get my balance and was told by Citi that my card had a balance of {$27.00}, but my card had expired at the XX/XX/2015 and that here was nothing that could be done to get my balance of {$2.00} I know that it is only {$27.00}, but I think it is highly unfair of Citi to have such a quick expiration date for their card ( XXXX months to use the card ). Most cards give you at least a year to use them, which is why I did n't check the expiration date on the card. Is there any way that Citi can be made to issue me another card with my balance or re-open my current card. If they withhold enough people 's balances, they 'll have a gold mine. This is totally unfair!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
This debt was settled and paid in full to a different firm. XXXX XXXX XXXX XXXX is falsely claiming this debt is outstanding. They have attempted to bill me for this. The bill states " unless you notify this office within XXXX days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid ''. This is fraud. I do not wish to contact anyone representing this firm.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I continue to get debt collection notices from XXXX , XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX even though I informed them repeatedly that they got the wrong person. Pursuant to my rights under federal debt collection laws, I requested in a certified letter that XXXX , XXXX cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' They received letter on XXXX XXXX, 2015. On XXXX XXXX, 2015 I received another letter from them asking for monies. I want them to cease and decease letters and phone calls to my residence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank decided on their own not to send me more paper statements apparently because they received a returned letter from USPS. I have not moved in more than 5 years, so I dont know why that happend. Problem is Citibank didnt notify me by email, or phone, so there was no way for me to know that. In the meantime, I was being bled with abusive fees that I was not aware for almost a year.

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