vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( serviced by XXXX XXXX XXXX ) purchased a debt that originated with Citibank South Dakota. Citibank South Dakota was merged with Citibank NA as of XXXX/XXXX/XXXX - coincidently the same time period that the debt shows as being charged off ( XXXX/XXXX/XXXX ). My XXXX report dated XXXX/XXXX/XXXX shows the account being reported with XXXX will fall off on XXXX and XXXX XXXX it shows it will be on my report until XXXX. This debt had a 1st delinquency date in early XXXX, with a charge off date with Citibank South Dakota much earlier than when reported by Citibank NA. I disagreed with the balance that XXXX is reporting, in addition to the dates provided on the reports. I have disputed this debt with all three credit bureaus XXXX, XXXX and XXXX XXXX, not once but twice, with the credit bureaus responding that the debt has been researched and no changes to the report. Then on XXXX/XXXX/XXXX, a new merged credit report was pulled showing all XXXX credit bureaus - the XXXX debt is now reflecting a last delinquent date of XXXX, a last payment date of XXXX, and a last activity as of XXXX. This is completely different information that was being previously reported and/or what is reflected on their letter they provided to me. It appears that they are trying to re-set the date - or at the very most change the time period of how long it will continue to be reported on my credit bureaus. I have attached copies of all documents mentioned in this complaint. I would like XXXX to report correct information to all XXXX credit bureaus, or remove the debt from immediately from all XXXX reports. Thank you for your assistance

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 2016-08-24 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Asset Management Systems Inc
State: FL

Complaint narrative:
I asked repeatedly for them to not call me at work gave them my cell and they still kept calling putting my job in jeopardy

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 2016-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I received an offer to open a Citibank gold checking account with a promotion code to receive XXXX miles after meeting certain criteria. 
After opening the account I received an email stating that my request to open this checking account had been approved. I inquired to verify and the promotion was confirmed and I initiated opening funds for the account. 
After I thought I had completed the requirements, I chatted ( see attached print out of chat ) to confirm I had done so, at which time I was made aware there was one more requirement I needed to complete. I asked how long I had and was given the date. 
Again, I completed this requirement within the date given to me by the agent over chat ( see attached ) and I chatted again to verify completion. The Agent confirmed " I see that you have successfully met the requirements ''. I asked how long it would take for the bonus to post and he said " in the next statement cycle ''. 
After the statement cycle when the bonus did n't post, I called and confirmed and that I had met all of the requirements of the promotion. The Agent said they would file an investigation. Weeks went by and I did n't hear back so I called again. This Agent said the investigation had been concluded and I had been sent notification ( that I never received ) stating I did n't qualify and there was no promotion attached to the account, which was very confusing and frustrating to me since as you can see from the attached chat conversations that the promotion and my having met the requirements had been verified on several occasions. They asked me some questions and said they would file another investigation. 
I just received another letter ( see attached ) saying that " there was no promotion offered with your account ''. This is a direct contradiction to the information I received from several customer service agents stating that I was eligible for the promotion and that I had met all of the requirements for the promotion. 
If at any time I was not eligible for this program or it was not connected to my account, I should have been advised of this on any of the occasions I inquired specifically about this promotion. This is deceitful and fraudulent on Citi banks part, all the while billing me {$30.00} in monthly fees to maintain this account while they try to deny me this promotion that clearly was the enticement to open this account in the first place.

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 2016-08-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
In XX/XX/XXXX I filed a chapter XXXX bankruptcy. My mortgage is through Citimortgage Inc. and the bankruptcy was complete as of XXXX/XXXX/XXXX. I was advised that I was to start making payments on my mortgage again as of XXXX/XXXX/XXXX. The trustee and the mortgage company had signed off that I was paid in full through the trustee through XXXX/XXXX/XXXX. Since then, they have constantly insisted that I was a month behind in payment and the trustee brought them to a hearing that they did n't even attempt to show up for and the judge signed a court order that the bankruptcy was paid and current through XXXX/XXXX/XXXX and we had bank statements proving that we were paid current. They will not acknowledge the court order. They keep insisting they never received it as well as any other documents proving that we are current. They keep harassing whenever we make a payment and when we try to bring forth the court order they just absolutely refuse to admit they are wrong. We ask them to show us where we are behind and they refuse to do so. Now they are saying we are two payments behind and we have proof that it is not so. All supporting documents will be attached,

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 2016-11-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had Macy 's account before. I always paid all the dues/charges I purchased at Macy 's but it always showed {$2.00} balance in the next month 's statement. I called and complaint this many times to them and finally I closed Macy 's account and never bought anything from Macy 's. 
But Macy 's showed these {$2.00} balance on my credit report and reverse effect my rating. It 's not right. I hope this authority can help me correct it. 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 2016-11-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a checking account with Citibank a couple of months ago and during that process I also enrolled in Online Banking so that I could monitor my accounts. When I enrolled in online banking I DID NOT have a debit card as I did not want XXXX nor need XXXX. Up until about a week ago I started having problems with the log in for online banking and all attempts to gain access to my accounts have failed. I 've tried to use the forgot password option to no avail. Citibank has refused to help me and instead has said that I will need to have a debit card in order to gain access to my online banking. However, if a debit card is so crucial for online banking then how was I able to enroll in online banking when I opened the account and monitor my accounts until recently? Citibank has refused to answer this important question and instead is demanding that I receive a debit card. I explained that I do not need a debit card. Their behavior seems very similar to the XXXX scandal where bankers were pushing products on consumers that did not want nor need the products. I truly feel that is what 's is happening to me as I 've always had online banking until a week ago when problems started.

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 2017-02-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
For the second time now, I paid my Macy 's credit card in full and had a {$1.00} balance the following month. After the first time, I called and they said that this was interest from when I paid the payment to when the payment was due. This second time, I specifically called them and verified that the balance that I was paying was the absolute total that I owe. They confirmed on the phone. I then receive a {$1.00} bill the next month for supposed interest.

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 2017-02-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XXXX/XXXX/XXXX I opened a Brandsource credit card from Citibank, XXXX with 0 % APR for the first 12- month period and paid the balance in full on XXXX/XXXX/XXXX before the 12- month period expiration date of XXXX/XXXX/XXXX. I made total payments of {$1200.00} for an actual purchase amount of {$1000.00}. I have all copies of the paid checks and statements from the company. 
Unfortunately, I was shocked to receive a a bill for {$530.00} from a collection agency Named XXXX XXXX XXXX, XXXX. 
I have complained to both the creditor and the collection agency and have not received a response from neither XXXX. 
Copies of all documents, paid checks and statements were sent for both the creditor and the collection agency for verification of full payment of the account. 
I would like to file a complaint with your department.

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 2016-07-12 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I tried to withdrawal {$480.00} at XXXX XXXX, it would n't allow me to withdrawal funds. I checked my account within a day and it showed that the transaction had gone threw. I contacted my bank Citi Bank payroll card on XXXX XXXX. I filed a dispute with me against XXXX XXXX. I called Citi bank back after 10 business days, because I had not gotten a credit, and was told their still working on it 2 days after the 10 day period. I was told their credit risk depart is still working on it. I want my funds and I want them fined for not following the law

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 2016-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citi Mortgage added {$57000.00} to my original home loan of {$110000.00} which now totals {$170000.00}. 
The home was on the market from XX/XX/XXXX when I XXXX till XX/XX/XXXX when I XXXX. We found out the house did n't sell, came back and lived in the house for a year with nothing showing up on the credit report nor did we get any bills, the credit reported paid as agrees with nothing negative at all. One day Citi Mortgage called and said we had to do a modification to keep the house for {$57000.00}. 
I have wrote letters and have recorded conversations with Citi asking for the information of how I owe this money once I was forced to do the modification or get evicted. I knew something was wrong when my first payments where only {$10.00} for the first 3 months. XXXX now has my loan and has no clue the original loan is only {$110000.00} but they paid CitiMortgage {$170000.00}. 
I have been trying to resolve this situation and with no results. I want to purchase a new home but Citi Mortgage has noted my VA loan as {$170000.00} which should only be {$110000.00} and VA nor XXXX has a clue Citi Mortgage has done this. 
I would love to sue Citi Mortgage for false representation or just flat out fraud.

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 2015-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I tried many times to determine why I could not pay the IRS with my Citibank online BillPay. I finally received the attached letter, dated XXXX/XXXX/2015, from Citibank. XXXX XXXX states " this service is no longer available for the IRS, as we have encountered servicing issues with them. " I am totally OUTRAGED at this response from Citibank! 

I had to make XXXX separate inquiries to Citibank in order to finally learn that Citibank does not pay the IRS with their online BillPay services. 

Why did n't Citibank say this in the first place? 

Why did I have to drag this information out of them? 

Can Citibank be any more UNCLEAR in communicating with their preferred clients? 

Does Citibank really believe this is acceptable customer service? 

I expect Citibank to respond to this complaint with answers to the above ( XXXX ) questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My father ( age XXXX ) had XXXX XXXX take his personal information to open up a Citi credit card on XXXX XXXX, 2015. On XXXX XXXX, 2015 XXXX XXXX made a transfer to my father 's XXXX XXXX XXXX credit card for {$3700.00} ( XXXX XXXX had also made XXXX large transfers on the XXXX XXXX XXXX card that were illegal and XXXX XXXX XXXX has refunded those charges ). I have been contacting Citi for several months trying to get this straightened out, only to be transferred to every department and get nowhere. XXXX XXXX had also opened a XXXX and XXXX card- doing the same large transfers, both cards have also admitted these cards were opened in fraud.

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 2016-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am being charged excessive fees by this bank. I even made a deposit to cover the deficit that the fees caused and it was not until I was away from the bank that I discovered the teller moved money into the wrong account despite having the assistance of a branch manager. Because she did that and the deficit remained, I got charged more fees, none of which were fixed. I am being charges hundreds of dollars a month in fees and I only make {$14000.00} a year. I went into the XXXX Citibank next to my work and I was basically told to make more money. I check my account on a daily basis and these fees are coming out of nowhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On a purchase made from a company in XXXX, Citi visa charged a " Foreign Transaction Fee '' of XXXX % and an additional increase of XXXX % in interest rate. I was not notified of these charges and learned only when they showed up on my bill. Neither was the increase in interest rate disclosed.

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 2015-12-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This company calls me 5 times a day regarding a late {$61.00} payment. on XXXX/XXXX/15, XXXX PST, I spoke with XXXX and explained the issue with the calls. I agreed to arrange a payment date for my account ( which I did right then online ) and she advised she would have the calls stopped. ( I have a printout of this online conversation ) Not even 2 hours later the calls are continuing. 5 calls a day is very excessive and I feel harassed. And the calls are 7 days a week, including Sundays.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14 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: MN

Complaint narrative:
Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this Citi debt is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have been enrolled by Macy 's American Express card into " Credit Protection '' program without my consent. I called them to un-enroll. I still received an letter stating that I am enrolled in the program. I called them again to clarify - upon which agent mentioned that I was enrolled during the application itself and I was indeed unenrolled in XXXX 2016. The first enrollment did not happen with my consent and the second letter I received on XXXX XXXX does not reflect current state of my enrollment.

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 2017-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I have repeatedly requested that Account Resolution Corporation provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX, I was sent a credit card statement from Macys American Express that said {$300.00} was due. Upon further investigation, I found that a series of daily {$25.00} charges were made and added up to a total of {$300.00}. I called Macy 's American Express to tell them of these fraudulent charges. The company did not remove these charges and told me that I would have to send them complete a form stating to confirm that these were indeed fraudulent charges. I received the first form, which I completed and sent back. However, I received another form stating that they did n't receive the first. I sent the second form to them. I did not hear from them and assumed that they had taken care of the problem. On XXXX XXXX, I called to confirm and was told that due to my lack of response, the fraud claim was closed even though no one called me to tell me or wrote me to tell me. I discussed this with the manager and they told me that the forms were not received due to a systems update. I asked for a form to be sent and was told I would receive it within 10 business days. I checked every day and finally called after the XXXX business day only to be told that due to the systems update, forms were delayed in being sent out to me. I have called again XXXX more times only to be told to wait for these forms. In the meantime, my {$300.00} are accruing financial charges and interest fees. I would like to have Macys American Express stop giving me the run around for 4 months and just take care of these charges as I am not liable. From what they tell me, it appears that these were online transactions due to my credit card number being stolen. The card in question is still in my possession. From all my interactions with other credit card companies, they remove the charges right away. I do not understand why it has taken so long for them to do so despite my diligence in responding to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My XXXX credit report is showing a charged off account with Citicards CBNA. I have never had a credit card with this company and I know nothing about this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-14 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Denial of credit for too many inquiries on my account for past 6 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I show a hard hit on XXXX for a company XXXX that i do n't recognize and i did not authorize. I am concerned someone could be trying to steal my info.

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