vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I had a Home Depot Credit card it gets reported as THD/CBNA. The account was closed XX/XX/XXXX. My ex-wife at the time decided to consolidate our debt and reached out to XXXX XXXX XXXX XXXX. Our accounts were then taken over by green path and essentially " closed out '' XXXX XXXX made monthly payments to all of our accounts via funds that were automatically taken from both my checking account as well as my ex-wife 's checking account. At that point we assumed we had nothing to worry about. We received monthly statements of accounts being paid etc..I am now in the process of refinancing my home etc.. and it has come to my attention that the THD/CBNA account is reporting XXXX months of missed and or late payments of XXXX, XXXX, XXXX + days. This is impossible and it should n't even be on my report at all. The account was closed and payments were then made from XXXX XXXX from XXXX XXXX until XXXX XXXX. This has got to be cleared up as it is negatively effecting my life right now and my credibility. I need THD/CBNA to admit they are incorrect and report to the agencies that there are no delinquencies to be reported. I am going to attach XXXX documents. The Welcome letter to XXXX XXXX which has my account number, the letter showing the THD/CBNA ( Home Depot account being paid off in full in XXXX XXXX and the spreadsheet provided by XXXX XXXX that shows each payment made since XXXX XXXX to the Home Depot ( THD/CBNA ) account. The account number and tracking numbers are all on the sheet they provided. Please help me get this cleared up. it is fraudulent reporting on the bank 's part and it is damaging my credit. Thank you for your assistance with this. I tried to reach out to XXXX last year to dispute this but it has to be done with THD/CBNA apparently and I want to make sure it is handled by a professional which is why I am reaching out to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was never sent a credit card bill for my purchases. Multiple months of late fees and interest accumulated. I finally found the bill as I was updating my address. Citicorp told me I placed a " cease and desist order on my phone number, which is untrue.

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 2015-12-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Several months ago, I made a purchase at a XXXX Sears Store. At that time I changed my billing address. Giving the store my new address. I thought the bill came in and was paid months ago. Yesterday, I received XXXX Sears bills in my mail box. They were placed there by the person that purchased our previous home. All with late charges. Today, I called the XXXX number and spoke to XXXX Citi Bank reps. I paid the original purchase however, they will not waive the remainder late fee. XXXX of the XXXX reps disconnected our phone conversation. I have an excellent credit score. The gentleman at Sears did not tell me that I had to contact XXXX XXXX directly to change my billing information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had a home equity loan with Citimortgage and 6 years ago I was given a loan extension. The information on their website ( and information that I was given ) stated that the interest was due by XX/XX/XXXX. The balance on the original loan was paid off in XX/XX/XXXX ; however, Citimortgage chose to not credit this payment because " their system '' would n't allow for this to happen. I continued to pay at least my normal payment until the balance of the extension interest was paid in full in XX/XX/XXXX. Then " their system '' allowed for my payments to be credited to the account. My credit report shows 5 months of missed payments when in fact there were XXXX months of missed payments. I paid everything per their agreement and this should be reflected as on time payments until the account was closed. I contacted Citibank throughout the process and employees said that they agree with me but there is nothing that they can do for me because their system wo n't allow it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I deposited {$15000.00} and was told I would get {$400.00} in interest. The bank, instead, and without disclosure, subtracted fees. They have not credited my account with {$400.00} and they refuse to return my money.

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 2015-11-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Macys XXXX statement was paid in person at the store. The payment was not credited to my account. 
Macys reported XXXX that payment was overdue which loweredmy credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
In XX/XX/XXXX I opened a Macy 's XXXX card at the recommendation of a sales person even though I had a Macy 's Credit Card. When my bill of approximately {$410.00} was paid in full as I do monthly with all charge card through my online bank payment service, the funds were inadvertently sent to the Macy Credit Card address rather than the new XXXX address. Since that time I have spoken monthly to representatives from both Macy 's Credit Card and XXXX to try to get the money to be credited to the XXXX. Each time I have been assured that it would take a month but it would be resolved. At some point in this XXXX process. The money was moved to the XXXX but then Macy 's Credit Card began calling saying I had a bill of the same amount. I have had service charges of over {$600.00} and those were removed with the promise of having the funds I paid applied to the XXXX Now it appears that Macy has XXXX the {$400.00} charge back to the XXXX card. I DO NOT intend to repay a bill that was paid because of your inability to apply it to the correct account. I have talked to both companies for 9 months and they admit the error and assure me it will be fixed but then it reappears. I do n't want my credit ruined because of their errors. By the way, when trying to submit a complaint on Macy 's website, my submission gets rejected because of " special characters. '' There are no special characters since I only submitted what I 'm submitting here so you should tell them or penalize them for this anti-consumer behavior. There is only XXXX choice of the company but my problem involves both Macy 's old credit card and their new Macy 's AMEX card.

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 2016-07-15 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank charged me a returned check fee on a paycheck citing " unable to locate account '' as the reason. This does not make sense, as they were provided the original, undamaged paper check. Other payroll checks submitted to Citibank at exactly the same time as the problem check also originating from the same employer/same account were successfully deposited into my newly established savings account ( opened XXXX2 weeks ago ). 

As this error is due to Citibank 's lack of thoroughness and the actual check was in their possession, I feel that fees generated by their inability to locate an account that was located for similarly issued, clearly typed paychecks at or around the same time, are due to the result of their actions. I should not have to pay for Citi 's incapability to perform basic banking duties. This was not caused by transmission/transcription errors ; it 's simply not my fault. 

My employer remarked on the poor copy of the check Citi provided me. The check is valid. I am unsure how they made such an illegible scan. I refuse to pay Citi 's unfair {$12.00} fee for their lack of accountability. 

As I have only recently opened this savings account with them, I would like to now close my account without incurring any fees if there are any for early closure XXXX {$25.00} if closed within 90 days of opening? ) due to this negative experience immediately after opening an account. I can only anticipate more unjust and inane fees and would like to sever my banking ties early. This is not worth the frustration when several consumer friendly options exist. 

Thank you for facilitating this communication. I appreciate the CFPB.

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 2015-04-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I missed a credit card payment on my sears card. A collection call came, and the operator told methat if I scheduled a partial payment and paid the total off on the due date, that the collection calls would stop. On XXXX/XXXX/15, {$100.00} payment was made and a payment for the rest is scheduled to come out on XXXX/XXXX/15, the due date. The operator said that the calls will stop. They stopped for a few days, buthave resumed, incessantly. Today, XXXX, I have had XXXX phone calls from them. I told them to stop calling me since i did everything they told me to to stop the calls. The last operator said they could only push the calls push the calls back until the XXXX of XXXX, and then they would resume. 
that called said they could n't push the calls back any further than the XXXX of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NE

Complaint narrative:
We have a fairly new lease on a new XXXX vehicle managed by Chrysler Financial. 

There appears to be no way to make a payment to Chrysler Financial without having to pay a XXXX XXXX fee. 

When we learned of the fee for making an electronic payment on the Chrysler website, we decided to add them as a payee on our banking bill pay instead. This way the payment goes straight from our bank to them and we do n't need to use the XXXX XXXX interface web page or services. 

A week or so after our payment was made, we received a bill from XXXX XXXX for a fee ... ..although we did n't even use their services!!!!! 

It seems unfair to force consumers to pay an extra fee just to make our lease payment directly to Chrysler Financial. There appears to be no way to avoid this fee from a 3rd party even though we are not using their service. 

This fee was also NOT disclosed on our leasing documents or during the leasing process. 

if Chrysler decides to use a 3rd party to process their payments, that seems to be their cost of doing business NOT mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a Citibank Citigold Checking account in response to a promotional offer. The offer required two consecutive monthly bill payments and {$1000.00} in purchases. In exchange, I was promised XXXX XXXX XXXX miles deposited into my frequent flyer account. I confirmed the promotion was attached to my account, then after completing the actions I further confirmed that I had fulfilled all requirements for the offer. 

Citibank customer service said I had indeed done everything necessary and my points would be deposited within 10 days of XXXX/XXXX/2016. After those 10 days passed I contacted Citibank, and they told me I was ineligible for the promotion because I was not " targeted. '' That was never a requirement mentioned in any of our previous correspondence, and it seems like a deceptive practice to have the customer fulfill all requirements of an offer, wait months, and then be told that they wo n't get the incentive they were originally offered.

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 2015-06-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As a consumer, I would like to file a complaint against Citibank/ HomeDepot for the XXXX credit cards that were opened last XXXX. 
After numerous efforts to resolve the problem, as of this date it has not been resolved yet. 
XXXX, I have only received XXXX photo copy of my statement for the month of XXXX on XXXX XXXX which they have reported me past due. I have received the cards after XXXX days. 
On the XXXX account, I am still waiting to receive a copy to review my transactions of purchase and credits. I was told that it was also past due. How can they report me late when I have only received both cards early XXXX and no account statements were ever provided. 
In XXXX, I have received a call that my credits cards were sent back " return to sender ''. After talking to the customer Service Dept, they realized that both accounts that was opened on XXXX separate dates has no Street Number. How can they even process my credit application when there is no street numbers on both accounts. How can this happen? Take note my drivers license were presented and SSS # during the application process. Customer service was updated on XXXX XXXX of the home address and I was reassured that everything will be taken care of and both cards will sent out immediately followed by the statements. 
I called customer service to follow up the statements. I was told I can check it online. I complained that I can only gain access on XXXX account and was refused on the other account. They found out that the second account has my middle initial and they will fix the problem so I can also have access on it. 
Until now, I am still waiting for this to be fixed. 
On XXXX XXXX I received another call from Citibank about both accounts being past due. I talked to a supervisor ( team XXXX ) and explained the situation to my accounts. At this point, I have requested that both accounts be paid off. I gave my XXXX account number and routing number. The supervisor agreed to waive the late and interest charges and promised to send me the statements so that I can review the transactions. 
To my disbelief, I got another call Citibank on XXXX XXXX stating that XXXX account is past due. After reviewing my accounts, I was told that only XXXX account was paid off. Excuses were made by Citibank but the bottom line, XXXX XXXX XXXX said that my checking account definitely has the funds and there were no stop payment orders received. 
Take note that only XXXX account was paid off and the bank account number and the routing number were both the same given to the supervisor for accounts to be paid off. 
My last conversation to Citibank was on XXXX XXXX. Again, the bank information was given to them to payoff the remaining account. I still need to confirm if they have processed my payment. 


Your attention on this matter is greatly appreciated. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
I sent {$1600.00} to an individual in ohio. I was required to provide a girst and last name of the recipient so they could be identified. The recipient went to a walmart store to pick the money transfered up and was informed there was hold on the money sent. I was forced to call customer service to have the hold released. I have called three different times and have been placed on hold for over an hour each time. Now the person who has been trying to recieve the money has been waiting for over three hours. The cash money that i gave to moneygram is held up and can not be released. Why is there a hold on cash money?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
About 20 or 25 yrs ago Citi Bank said that i owe them some money but I never took out any loan or anything from Citi Bank, I sent word to the D.A in their home town but they never got any word from them, now almost 10 yrs. later I get a letter fro a company called XXXX XXXX they took over the loan or some thing I do not know. Now they say I owe the around XXXX and sum thing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: 24 Asset Management Corp
State: AZ

Complaint narrative:
I am getting called and harassed for a debt belonging to a sibling. I have related this info to the debtor before. Once I took the message and hung up the rep called me right back away to annoy me. Therefore breaking FDCPA law and harassing a client once contact was already made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I scheduled a payment of {$1000.00} dollars using my XXXX XXXX Account, to Pay my Citi Credit Card. I scheduled the payment on XXXX XXXX, 2016, and my XXXX XXXX Account shows the payment was processed on XXXX XXXX, 2016. My Citi Credit Card has not ever shown the credit to the account. I have filed disputes with both XXXX and Citi. XXXX keeps telling me to provide their Confirmation #, Citi says that number is not correct, and that they need a XXXX digit Tracer number, XXXX says that they do not have a XXXX digit tracer number.

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 2016-07-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
XXXX XXXX has shut off all automated payment systems for its expired XXXX based cards. This means XXXX people will have late payments that they can then charge late fees and interest on. This was done without prior warning. I want XXXX XXXX to be penalized for any extra fees and interest they try to charge and for XXXX XXXX to be prevented from filing credit complaints or collecting late charges and interest on these account. In regards to questions below, I have tried contacting the company, but the systems are shutting out all XXXX card holders.

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 2016-03-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Lending Club Corp
State: IN

Complaint narrative:
I applied for a debt consolidation loan with the Lending Club on XXXX XXXX, 2016. I was called by a representative of the Lending Club on Saturday XXXX XXXX to confirm my application and personal information. The representative told me the loan terms were : {$16000.00} at an APR of XXXX %, {$330.00} per month for 60 months. My loan was approved on XXXX XXXX ( Loan # XXXX ) and the funds of the loan were direct deposited into my checking account on XXXX XXXX. However, only {$15000.00} was deposited. I immediately emailed the XXXX XXXX and asked why only {$15000.00} was deposited in my account. The loan documentation was not available until the loan was funded and there is nothing in the documentation that indicates the origination fee that would be charged. On XXXX XXXX I spoke with a representative of the Lending Club to claim a lack of notification about an origination fee. At no time did I receive notice by phone or in writing regarding the amount ( if any ) origination fee that would be assessed prior to the funding of the loan. I specifically asked the representative that called me on XXXX XXXX about the terms of the loan. There was no mention of an origination fee. Even after complaining about the fee on XXXX XXXX, I was not told of a right to rescind the loan and return the money ( I was within the 3 day window ). I believe the Lending Club violated the " Truth of Lending Act '' ( TLA ) by not providing adequate notice of all fees before the loan was " funded ''. Not having all of the information ( even after I requested it ) before the loan was funded is a clear violation of the TLA. This loan was fraudulently funded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened the citigold bank account with citibank with promotional code promising a credit of XXXX American Advantage miles after meeting all the requirements. After inquired about the status I was denied the promotional credits because I was not targeted for this promotion. 
I have document showed that i have the promotional code attached to my account and I would like citibank to honor it.

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