vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I have been a victim of False Impersonation. I have a copy of my police report on file with the XXXX Police Department and I have a case number that I received from the FTC when i registered a claim with as it relates to the fraudulent activity. In addition all XXXX major credit bureaus have a certified copy of my police and a fraud affidavit. With that being said, i was advised to request a Freeze from the credit bureaus to prevent further fraudulent activity. I did for about two years. It was my understanding that no one would be able to access my credit unless i provided them with my access code. I received written confirmation in the mail that my credit file was BLOCKED from all XXXX bureaus. 

However, my complaint is the Equifax said they blocked my file but they still allowed unknown/authorized creditors have access to my credit file and add inquiries to my credit history. I have requested the UNAUTHORIZED inquiries be removed and instead of Equifax investigating and ascertaining the matter they said my investigation was complete after XXXX hours of receiving my dispute ... .. they said Inquiries are factual data??? 
My point is what was the person of my file being blocked if UNAUTHORIZED person/persons still had access to it? 

I am requesting the XXXX inquires be removed from my history XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I switched from my XXXX postpaid to prepaid. XXXX reimbursed me for overpaid fees by sending me a Citibank prepaid card preloaded with these fees ( roughly {$27.00} ). To access the funds I needed to " register '' the card on a website operated by Citibank. This was necessary to have the funds wired to my bank account as I did not want to use the debit card. However, the Citibank website XXXX logs me out every time I either try to have the funds wired or being sent to me as a check. After having tried with different browsers I gave up and started using the card to pay for purchases in order to make some use of the funds. However, to do this, " activation '' of the card is necessary as well and the activation leads to additional costs, depending on card usage etc. Trying to cancel the card is not possible as the website is broken beyond repair for weeks now and the phone number provided only is a robot that is not helpful. 

So XXXX forwarded the money they owe me to Citibank, which provided me with 3 ways of accessing these funds ( transfer to bank account, send check, use card for purchases ), all of them forcing me into an agreement with Citibank which produces additional costs, two of them not working at all due to website errors, and no working way of cancelling the 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 explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I tried to make an electronic payment from my bank account and the credit card company declined the payment saying it was an incorrect bank account number. I tried making the payment again electronically and again the credit card company would not accept the payment for the same reason. The bank account number is correct and there is more than adequate funds in my bank account to make the payment. Then the company charged me twice for a returned check fee. I tried to get that credited back to me, but they are not doing that. I should n't be punished because of their mistakes. I made a payment by money order and they refuse to process the payment. The only answer I have gotten from the company is that the payment is on hold. No one knows why. I have tried numerous times to rectify these problems via live online chat. The customer service representatives say they ca n't help me. I have spent the last 3 days trying to get help on the phone and numerous customer service representatives and supervisors say they ca n't help me. At the least, this company has a customer service problem. I have wasted 3 days and countless hours talking to people who refuse to help me. I have explained many times that i need to be able to have my credit card available for XXXX XXXX when my school is going to make a scheduled charge to my credit card. They still ca n't help me. Can 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 2016-08-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX I submitted a claim regarding a banking promotion with citibank. The claim number is XXXX. On XXXX XXXX Citi responded that they would credit my account with XXXX thank you points since I had met the terms of the promotion. The correspondence from XXXX XXXX stated that the points would be deposited in 60 days ; according to this schedule the points should arrive by XXXX XXXX. Yesterday on XXXX XXXX I logged into to redeem the points that had been granted and the points from this account were missing. The representative that I spoke to said that the points had been forfeited. I explained that the points had just be granted after a dispute and were due to be deposited by XXXX XXXX. I worked very hard to ensure that I received this bonus and am very upset that Citi seems to have revoked their offer.

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: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I opened a citigold checking account with promotion code XXXX. I received a secure message verifying that I qualified for the account and had used the code to open the account. Later I received another secure message stating that I had fulfilled all the requirements for the promotion and would receive the promotional XXXX thank you points by XXXX XXXX, 2016. I have now been told by Citibank that I would not be receiving the points even though they have taken {$90.00} in monthly service fees from my account. I 'm not sure how to get my points as they keep pretending that we did n't have an agreement and that I fulfilled my part of the agreement.

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 2016-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Movement Mortgage LLC
State: TX

Complaint narrative:
We began the buying process about two months ago with Movement Mortgage. We applied for an FHA XXXX loan originally, but switched to the FHA because we would n't close on time according to the lender. Our original closing date was XXXX XXXX, the lender called and told us we would not be closing on the XXXX that we would close on the XXXX of XXXX and sign the amendment at closing. The lender told us and the seller that we had everything we needed to close, and that we would definitely close on the XXXX. When closing time came around someone ended up dropping the ball and needed additional information to close. The additional information was everything they had already received from us. We are getting a heck of a deal on a home, and this has caused us to be in a bind. The seller is coming close to pulling out because of other commitments and obligations. This company had ample time to request documentation, we continuously stayed in communication with the lender and followed up with request. this is very unacceptable to not have thoroughly reviewed our submitted documentation. There is no excuse!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
1. I was told when checking-out at Home Depot that if I signed up for a HD credit card, I would get 5 % off every time I shopped there. I would need to follow-up and sign-in online to fix my settings so I would get that 5 % credit to my statement. 
2. I proceeded to get the card and shop at Home Depot ( HD. ) I did not receive 5 % off. I signed in online but I was not able to find a 5 % off benefit anywhere. 
3. I called in to the card 's phone number to express my concern. After being escalated to a manager, I was told that the 5 % off was not a card benefit, but a store benefit, so I would need to speak to the store manager. This was on XXXX XXXX. 
4. I went in to speak with the store manager on XXXX XXXX who told me that, yes, I could get 5 % off, but I would have to inform the cashier each time I checked out. 
5. I proceeded to shop, and when I checked-out, I told the cashier I wanted to get my 5 % off. He tried to get the discount, but was unable to because he said there was a glitch in the system. He shrugged his shoulders and said 'sorry. '6. I called in again to cancel the card and expunge the record of having an HD credit card from my credit history. They refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
IN 2014 CITIMORTGAGE FORCLOSED OUR HOME AFTER 24 YEARS AND LESS THAN 7 YEARS FROM OWNERSHIP. WE EXPERIENCED UNEMPLOYMENT HARDSHIP AND MISSED PAYMENTS. PLEASE REVIEW THIS COMPLAINT AND HELP US FROM BEING HOMELESS FOR THE PAST 3 YEARS, LIVING FROM RENTAL TO RENTAL.

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 2016-01-13 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau - Case # XXXX Macy 's account ending in XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX, 2016, Citibank closed my credit card account in error after I had contacted them asking them to cancel and reissue a new card to me because there were concerns that the previous card ( itself a replacement issued following recurring fraud on my account ) had been lost in the mail. After alerting Citibank to their mistake, I managed to get the account reopened. However, the rewards point balance on my card account was not reinstated, which it should have been because it was Citibank 's mistake to begin with. I have contacted Citibank about this issue multiple times and been assured that the points would be transferred to my new account. However, to this day I have not received satisfactory resolution of this matter - my points have still not been transferred and I have not heard back from Citibank on the status of the transfer. The points are worth a variable amount depending on what they are used to redeem, but a good estimate would be about {$400.00} in most circumstances.

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 2016-05-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On approximately XXXX XXXX, 2015 I purchased a computer from Best Buy for {$1000.00} and opened a best buy credit card at the same time. They told me that there would be NO interest for 12 months so I thought this was a good idea. I set up automatic withdrawals from my bank account. I have not checked my statements or anything until today when I see that my balance is ABOVE {$1000.00} more than a year later! After doing a bit of digging, I found out that they deferred my interest for the course of the year. So it accrued to be a lump sum of over {$300.00} which was then charged to my account! This is outrageous! Maybe there was fine print that I completely missed, but that 's not how this was pitched to me when I was sold on the credit card. Their fraudlent misrepresentations during the sales process have now caused this situation to manifest itself and I need to find a remedy.

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 2016-10-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITICARDS CBNA, XXXX, XXXX XXXX, XXXX XXXX issued a credit card to a person who used my Social Security number without my consent. Had city bank handled the application appropriately, they would have seen that I already have a Citibank card issued under my name, and that I live in a different state from the thief who committed this fraud. CITICARDS should have flagged the application and called me to verify. Instead, CITICARDS mishandled my personal information ( social security number ) and validated to the thief, that my SS # was a good number by issuing a credit card to XXXX XXXX ( the name the thief gave ), who does not reside in XXXX, but rather in XXXX, XXXX Because I am in the process of finalizing a construction loan, I am always checking my credit score on XXXX XXXX, and that is how I found out that a new account had been opened XXXX. I immediately contacted CITICARDS and advised them I would be filing a police report. CITICARDS did not want to provide me much information other than verify that the card was issued to a XXXX XXXX who used my social security number and who had already charged over {$600.00}. I was transferred to the fraud department and since then, I have not been contacted by anyone from CITICARDS. My personal information was mishandled and CITICARD neglected to flag this fraudulent account. I would like to know what there policy is in processing online applications? Why the card was processed without properly verifying by contacting me, the person who 's social security was used? Why was this account not flagged when processed? Who authorized the issuance of the credit card? This has affected my credit score and has caused me to file police report, affidavits and fraud alerts with the IRS, FTC, XXXX Credit Bureau 's and now you. I have had to take time off of work to handle these matters and it is now turning into a nightmare because this thief has attempted to commit fraud a second time, but was stopped by XXXX which I purchased right after the first incident.

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 2016-01-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
My husband has died and I am filing bankruptcy because of all his bills and other bills. 
Under the guidance of my bankruptcy lawyer i was told to just continue along with the mortgage payments and keep them all paid! As I have done! The finance company NEVER sent billings about 7mo after he died, i just kept paying them on the account number i had on the billings, even after billings stopped! I never received ANY mailings from them WHAT SO EVER! In the mean time I have signed the bankruptcy papers but NOT gone to court yet. Then I take it upon my self in good faith to call the finance co to see where the account stands, only to be told the account is now behind 3 months! And because I am not authorized with out being the Executor on the account they cant talk to me! So now not only do I have XXXX payments missing on their end now it will cost me {$260.00} to file for executor. They told me they cant even talk to my lawyer! And XXXX XXXX XXXX day after TRYING to get somewhere with them I RECEIVE ( XXXX ) mailings form them ALL saying the account is in default and NOW THEY want their money OR I WILL be OUT! I WANT to find out where my PAYMENTS went to! My bank verified the checks HAVE been cashed each month on the finance company 's end!!!! I have paid for yEARS to this ACCOUNT number,, but they HAVE another number I should of paid to! BUT NO NOTICES of this change ever came!! I am out my XXXX payments of over {$800.00} PLUS now court cost AND lawyer referral charges to try to get help, plus a stop payment on my next payment i WILL NOT send because they LOST the last XXXX!! And NOW I KNOW they WILL hit me with late and penalty charges and who knows what else! I live on a {$810.00} per month SS check! I find what they ARE doing IS HARASSMENT plan and simple! they have forwarded this loan unto a collection division!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I had my identity stolen and a bunch of credit cards opened in my name without my knowledge or approval. I have gotten all of them taken off except XXXX with Macy 's Department Store/DSNB account # XXXX which also turned into a collection account with a company called XXXX XXXX XXXX. I keep getting phone calls from XXXX XXXX XXXX trying to collect over {$2000.00} from me which is not my debt. Each time I give them my social security number they tell me that 's not correct, when I tell them this was from identity theft they do n't believe me. I have sent all the credit bureaus, XXXX XXXX and Macy's/DSNB copies of police reports, my identification documents, letters stating this was all from identity theft and they need to remove it all from my name immediately ( many letters ). They refuse to delete and keep calling to collect, keep reporting this negatively on my credit report also. This is hurting my credit score, my credit report and my life. I have been fighting this since XXXX 2015. XXXX XXXX XXXX refuses to send me any proof of this debt also when I ask. They say since the social security number does n't match they ca n't send me anything on it but they refuse to take me off the debt that I did not incur. I need your help in getting this resolved and my name removed from this un-related debt and my credit report fixed also. Please help me, I have exhausted all my efforts up until now.

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 2015-06-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Onemain financial, previously Citifinancial charges a ridiculous interest rate. I borrowed XXXX and I am expected to pay back over XXXX. Shark lending is a crime but why is this company allowed to get away with this? Then they harass you when you ca n't pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a credit card from Citi 's website, the XXXX XXXX. On the website when I applied, it stated that I needed to spend {$1000.00} in the first four months to get the XXXX bonus points. When I satisfied this condition, I did n't receive any bonus points and when I asked them why they claimed I signed up for a card that only paid out a bonus when {$2000.00} of spending was hit. -- Had I been told at any point after I applied that I signed up for a card with a {$2000.00} target, I could have accommodated that, but nowhere in my card member agreement or welcome letter or email did it mention that I needed to spend {$2000.00}. My complaint is that Citi is doing a bad job of informing customers of how much they have to spend to hit sign up bonuses after they apply for the card. This is probably so they can have as few variations of letters/emails as possible, but it feels like a bait and switch - I thought I had to spend {$1000.00} to get a bonus and nowhere did Citi say otherwise until six months later when I messaged them and asked where my bonus was.

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 2015-10-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ZENCO COLLECTION, LLC
State: CA

Complaint narrative:
Hi, I was contacted by phone on XX/XX/XXXX and was told by an agent of Zenco Collects ( XXXX Texas ) that I owed in excess of {$22000.00} as a result of a debt from a XXXX credit card before XX/XX/XXXX. He said that if I did n't pay they would file a XXXX. He said he did n't have to send me written information and when I refused to accept this debt he said " enjoy the IRS '' and hung up. I called back a couple of times and they said they did n't have to write me with the information about the debt and hung up on me. I sent a certified mail return receipt letter ( XXXX ) of dispute on XX/XX/XXXX to the XXXX XXXX indicated on their website. I see the letter was not picked up and is being returned now. I sent XXXX more letters today ( XX/XX/XXXX ) -- XXXX XXXX to their street address, a XXXX-only to their street address and XXXX XXXX-only to the XXXX XXXX address. I informed them in the letter that all my debts were discharged by XXXX XXXX bankruptcy in XX/XX/XXXX, I have had no collection activity in the last 10 years, and there are no negative records on my credit reports that could be confused with a debt like this. I have not changed my address in the last 10 years so that could not cause confusion. I am concerned that they will try to create a paper trail or a basis to revive a non-existent or discharged debt and use the IRS XXXX to the same end. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed