vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Usaa unfairly closed my account due to fraud which i did not commit and vague basis so now they sinister ways closed my account for good without merit or evidence and just assume i abuse and fraud their account and just misunderstanding the account the operator told me to close credit card and get a new card not knowing she was leading to the wrong direction on how to handle card fraud she told me to. Close account anyway just to be safe and the bank think I was misleading them which I did not intend to do because they saw the other transaction I admit I did but was confused on the other transaction so I followed the USAA operator and I closed the credit. Card to get new XXXX and now they closed my account because of fraud and mismanagement so that was unfair and unjust I 'm so frustrated now they gona close my bank accounts too and not do business with me all because the lady told me to closing knowing full well there was a big chance USAA will close the account it was disrespectful for a banking institution to do that at their discretion without credible reason and evidence it 's sad and unfortunate and it right now they want to no longer with. Me I. Ca n't even dispute. My them all in deaf ears it 's so rude too

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I discontinued my XXXX contract in XXXX of 2016. According to XXXX XXXX XXXX my new provider I needed to show receipt of payment to XXXX for the phone device that I had leased, and they XXXX XXXX XXXX would make me whole. WellXXXX immediately revoked access to all my billing statements and went ahead without any invoicing or giving me the bills even though I had asked the representative to send me those, charged my Credit Card for recurring charges. I disputed the item and the Card company agreed that the charge was n't recurring and XXXX inappropriately charged the card. That was the last I heard from XXXX or anyone on this. Just yesterday I received a notice that my credit report had been adversely affected. I researched and it turns out a Debt collection agency by the name of Diversified consultants had put this adverse action on my pristine report. I called them this morning and the agent was n't helpful at all and she hung up on me once I asked to speak with a supervisor. 

Neither XXXX nor Diversified in earnest tried to contact me. the call log on my phone number would show it and they have both the right number and the address for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Last week, I deposited a check that someone had endorsed over to me. I then withdrew an amount of cash from an ATM. USAA immediately put my account " under review '' and never told me. I did n't receive a call or an email. I logged in that night and my account balance was " unavailable ''. I called and was told it was a " back office '' review and the customer service representative could n't tell me anything for 3 business days. I called back after 3 business days and they still could n't tell me anything. A manager said they would fast track the review and I would hear from someone within 24 hours. That was over 48 hours ago. No one can tell me why this happened or how to resolve it. I do n't even know why it was put under review. I just want my money back so I can move to another bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 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: Diversified Consultants, Inc.
State: VA

Complaint narrative:
I tried numerous times to close an account with XXXX after I moved out of an area in which my cell service worked, which is a legitimate reason to close an account by their policy. After repeatedly calling for three months, and being left on an endless hold numerous times, they agreed to close my account and remove all charges from my account because I was always on roaming cellular service, and I was not receiving the service I was paying for. I moved in XX/XX/XXXX, and they closed the account in early XX/XX/XXXX. I now have two different collections on my credit report, for two different amounts, but both from sprint and they are destroying my credit score. I do not owe this money and no one from XXXX will give me a clear answer to why this account went to collections, much less why there are TWO accounts for XXXX in collections. Also, no one has contacted me in the past year to let me know I owed this debt, I just so happen to see the collection accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 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: Diversified Consultants, Inc.
State: OH

Complaint narrative:
I asked XXXX to come to my house and install a landline. A representative came but he had a hard time finding outlets ( I think - maybe the problem was different ). The costs were also unclear to me. I told him not to install anything - that I did not want their service. The serviceman was very nice and cooperative. He agreed. He left. Then I began getting bills from XXXX XXXX XXXX for {$100.00} for service. I never had a phone from them. Never had a phone number that could even have been used. I called XXXX and spent hours on the phone. I was told that I did not owe them anything and that it had been taken care of - not to worry about it. I received another bill and repeated that process again - called - spent hours on the phone and they said it was taken care of. I received yet another bill and repeated the process AGAIN. I was also told not to worry and to ignore any further bills because it takes a while for information to move around the company. I just received a phone call from a debt collector : Diversified Consultants. XXXX I am being hounded by XXXX XXXX XXXX and it is THEIR mistake - not mine. I never received any service from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Oh, dear. Where do I start with USAA BANK and all its products. If you want to work with a company that likes to commit major regulation violations, break laws, and ruin consumers lives, this bank is for you. Usaa Bank after being idenity theft and being provided paperwork they not only closed my accounts down illegally they held on to my money for over a month and when it happened they would not give me explanations, they had none. If you are a consumer, RUN! Do not trust them. If you are a federal or state official or work with any government agency you need put them on your hot list.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Today I got a message from a Bank lender saying that i had a debt collection note from Diversified Consultants on my credit report. I called them and I asked if they send any information or called me regarding this issue before putting the collection note on my credit report and they said no that they did n't have current information. I told them that I needed that note deleted and they said it is submitted we cant to anything. 
At this point I have a note dispute on XXXX, XXXX and XXXX. I also filed a complaint for XXXX on FTC. It is unbelievable how companies destroy people records without any care. My credit score is today XXXX points lower due to this issue. This is abuse and it should be investigated and punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I closed my {$450.00} / year Citi XXXX XXXX XXXX card 51 days ago. I called today and to ask why I have not seen a check for the annual membership fee in my mailbox yet - the first rep I spoke with told me that it would take 2-3 billing cycles and that I 'd have to wait. When I said some time had passed he sighed and said 'yeah yeah, it can take some time ' as if I were his fraternity brother, not a premium card customer. Upond repeatedly requesting to speak to a supervisor, I was transferred to XXXX ( rep ID XXXX ) who informed me that I had closed my account 3 days too late to get my annual fee back. When I shared that I was not told that I would not get my fee back, he said that, unless someone had explicitly told me I would get my money back, then there is no issue and nothing he could / would do for me. I have not been advised that I am forfeitting XXXX XXXX when I closed the card - had I been told that, I would either have requested an exception or kept the card open. As it stands, Citi has taken my money, closed my account and essentially is retaining money for services not rendered - without informing me of this. I would like to have my fee back from Citi, I believe a reasonable request as my card is closed and I am not using any services. I was also not told that my fee would not be reimbursed. I appreciate your help in this matter.

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 2016-08-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank sent me a prequalified offer for XXXX AAdvantage miles if I meet the minimum spend, despite previously opening an XXXX card with them a year ago. There was no 24 month language in the prequalified offer, so I applied and was approved. I requested them to honor a different targeted mailer they also sent me invitation # XXXX, they also refuse to honor that. 

Their dishonest practice tricked me into opening an account I otherwise had no interest in opening, which is why I closed it in the first place, by luring me in with a false bonus. This should be illegal if it is n't already, and they are violating the terms they agreed to when I submitted my application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Macy 's credit card credit collection calls me from XXXX different numbers ( XXXX XXXX XXXX and ( XXXX ) XXXX. The phone calls start from each number as early as XXXX and have been harassed by calls 5 times or more a day. I have arranged a payment date and am still being called repeatedly. The charge is for around {$100.00} and have never felt so harassed by a credit company in my life. This is starting to disrupt my personal life by being inundated by calls. One day the Ohio number called me four times in a row.

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 2015-05-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I got charged {$130.00} for " Credit Balance Refund '' on XXXX XXXX 2015, of which I have no idea why I got charge for as I did not make any purchse last a few months. At the same time, I was sent a check for {$130.00} issued by the same credit card issuer, Department Stores National Bank. I called the card issuer at XXXX and they told me that I have to send the check back to them so that they can wipe off the balance of {$130.00}. ( By doing this, I have to spend some postage fee addition to the time I have to waste. ) Please help. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My concern is with Citcards XXXX Score information on their website. Their website is showing an inaccurate XXXX Score, they state that two situations impacted my score which are, late payments and missed payments and oldest account is to recent. Citibank receives this information from XXXX. I pulled my most recent credit file from XXXX and it does n't show any late payments nor missed payments, also my oldest account is XXXX years old. I called XXXX and they said I ca n't dispute anything because there is nothing to dispute and told me to call Citibank, Citibank tells me that they ca n't do anything because the information is from XXXX and that I need to dispute it with them, my credit file has nothing inaccurate to dispute, also other banks provide similar service and their scores are totally different for example ; XXXX score is XXXX, XXXX XXXX score is XXXX, but Citibank is showing XXXX, this problem has impacted my APRs on my credit cards from Citibank from 9 % to 16.24 %.

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 2016-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I pulled my credit today ( XXXX/XXXX/16 ) through my XXXX XXXX account and noticed that XXXX credit inquiries had been made against my account through the creditor " CBNA. '' They made XXXX hard credit inquires on my account that occurred XXXX/XXXX/16 & XXXX/XXXX/16. I never once applied for any new lines of credit, nor did I approve any creditors to run my credit for any reason during XXXX 2016. There should be XXXX credit inquiries made against my account during those dates in XXXX 2016 so I have no option but to assume this was a fraudulent act.

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 2015-12-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I owed money on Citibank/Home Depot card and I settled to pay the Citibank N.A . XXXX -debt collection agency {$1100.00} to settle my account as paid and settled. However, they are reporting to the credit reporting agencies like XXXX that I owe an additional {$1300.00} to be paid at {$25.00} per month. I paid them XXXX as a final payment to settle account with no monthly owed. The company is trying to get me to pay more money and refuses to report a zero balance owed to the credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
We have a Citi credit card that is affiliated with the XXXX program. Earlier this year, Citi asked us to upgrade to a new level of card and, at that time, said that using the card XXXX would not subject us to XXXX transaction fees. However, we received an e-mail message from Citi today, where they said that communication regarding no XXXX transaction fees was in error. I have a trip to XXXX planned for XXXX, 2015 and had planned on using this card on that trip for the very reason that I would not be charged XXXX transaction fees. I called Citi today XXXX XXXX XXXX ) and spoke with a customer service rep who said the only way I could continue to get no XXXX transaction fees on this card was to further upgrade to a card with a {$450.00} annual fee. Given what they told me when they asked me to update to my current card, Citi should honor that statement that I would not be charged XXXX transaction fees, particularly because I relied upon it in deciding to stay with this card rather than switching to a different card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had a credit card with Citi Bank which I decided to close ( because frankly they XXXX ). Six months later after account closure and no activity a charge appeared on the closed credit card. Long story short, since it was a " subscription based '' merchant, Citi allowed the charges even though the account was closed and the billing address did n't match to merchants charges ( mind blown ). 
I expected Citi to credit my account and apologize for allowing the charge to go through. INSTEAD after spending hours speaking with multiple representatives and Managers and being forced to fill out and submit a " claim dispute form '' I still have a {$150.00} balance on my " closed '' credit card. 
Any advice on how to handle would be appreciated.

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 2016-02-06 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Macy 's American Express card limit was decreased for no apparent reason. The card was overpaid accidentally and used to bring the balance back to XXXX. A week later the limit was decreased from {$10000.00} to {$500.00}. This will negatively impact my credit FICO score which is in the XXXX range ; no lates ; with a XXXX % credit usage.

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 2015-04-12 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Today, I applied over the phone for a balance transfer to the Citibank XXXX XXXX. While doing so, a few things happened : 1 ) when asking for my phone number, they asked if I authorized them to contact me via phone in various ways, but never told me that I can op-out of being contacted, which they should tell customers, 2 ) after my application was processed, I told them I wanted the credit report that they pulled sent to me. I was transferred to roughly XXXX departments within the Bank, not XXXX employee knew that the FCRA gives consumers the right to get a copy of their credit report whenever someone pulls it, nor did they have the ability to simply check that I wanted a copy sent to me. I even spoke with a supervisor, who was also not aware of this requirement. Actually none of them even knew of the FCRA. I spoke with Citi customer service, their credit card application department, and the status department, multiple times. The fact that Citibank has no protocols for informing and ensuring that individuals can receive a copy of their credit report after completing an application for a Citi product is, from my understanding, a clear violation of FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I got an Citi Credit card offer ( Thank You Preferred Card ) in the email from Citi. It promised me that if I spend {$1500.00} in the first 3 months then they will post XXXX bonus points along with {$100.00} gift card. ( XXXX points on dining ). 

I applied for the card ... .got approved ( ending with x XXXX ) but when I spent the money the customer service starting giving me lame excuses. 

They did not give me bonus points and the {$100.00} gift card. They asked me to fax the offer to verify. When I faxed them they said they do n't want to offer me the bonus with gift card. 

This is fraud and false marketing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Asset Management Systems Inc
State: NJ

Complaint narrative:
I have not received any mail or calls from the lender since XX/XX/XXXX when it was charged off my account. Then yesterday a collection company called my cosigner and asked for a payment of {$4000.00} toward a debt from XX/XX/XXXX of {$14000.00}. The collection company also told her that by paying {$4000.00} her financial responsibility as a cosigner would be removed. I have not received any notice of right to dispute, nor was it mentioned in my call today. As far as I was concerned this account was charged off and it does n't even appear on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was offered a free sample if I paid only the shipping charges. I accepted this and later was charged XXXX charges on my credit card in the amount of {$89.00} on XX/XX/XXXX and {$87.00}. I called to dispute these XXXX charges on XX/XX/XXXX and was told that they would be removed/reversed. They were put back on XX/XX/XXXX and XXXX/CITI Corp has been very uncooperative in removing them. When I call the XXXX number I get someone with a heavy accent and They seem to be in cahoots with the ones adding the charges.

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