vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
- i opened an checking and savings account with citibank about 9 years ago and the accounts had no fees associated with it.i moved my family to XXXX Tn about 6 years ago and citibank has no branch in the area. For the past 9 months citi has refused to send me my bank statement. I called them today today to find out why.Coming to find out, Citibank has changed the disclosures without my consent and secretly been deducting $ XXXX/ month from my account without my knowledge. I 'm suspecting that they unethically and secretly remove the protections on my account and changed the disclosures etc. To cover up their unethical steal of my hard earned money, the refused to mail me my bank statements, so that i could not see them steal my moneyThey have been stealing my money secretly. i

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XXXX/XXXX/2016 I opened a Sears charge with citiusa, I bought my merchandise and received the card 2 weeks later. Set up online account. Logged in to pay bill had a " call there is an issue with account '' Fraud alert spoke with Fraud department. XXXX/XXXX/16 they pulled credit report without permission. Again on XXXX & XXXX called about " Fraud alerts '' on account due to messages on the account called again and both times they have inquired on my credit AGAIN W/O permission!

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 2016-12-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a Macy 's ( Department Store ) credit card for several years. I had setup autopay on the due date and it seemed to work perfectly well. My last purchase was around XX/XX/XXXX. For some reason, possibly due to technical issues in the website or possible them changing the service provider, I got billed late charges of {$39.00} every month from XX/XX/XXXX to XX/XX/XXXX. I spoke to their customer service in XX/XX/XXXX and they said they will provide me credit of the late charges from XX/XX/XXXX. However, I received only 5 month of credit of late charges. I require a total of the XXXX or XXXX months of credit of late 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
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: LA

Complaint narrative:
THERE WAS AN AD SHOWING THAT THERE WAS A FREE TRIAL AND I ONLY PAY THE SHIPPING COST. I PAID THE {$4.00} FOR SHIPPING. ON XXXX XXXX, XXXX THERE WAS A CHARGE FOR {$97.00} FOR XXXX AND A CHARGE OF {$99.00} FOR A PRODUCT CALLED XXXX. I NEVER AUTHORIZED THESE CHARGES. THEY USED MY DEBIT CARD NUMBER AND I WAS CHARGED FOR THESE PRODUCTS. I FILED A DISPUTE WITH ACE ELITE AND THEY REFUSED TO CREDIT MY ACCOUNT. I NEVER RECEIVED THESE PRODUCTS AND I 'M ON A FIXED INCOME AND THEY ARE SAYING THAT THE PRODUCTS WERE DELIVERED. ALSO THERE IS A CHARGE OF {$92.00} ON XXXX XXXX, XXXX FOR A XXXX WHICH IS ANOTHER CHARGE THAT I DID N'T AUTHORIZE. I 'M BEING CHARGED FOR PRODUCTS THAT I 'VE NOT RECEIVED. I FOLLOWED PROPER PROTOCOL AND ACE ELITE IS SAYING THAT I RECEIVED THE PRODUCTS. THESE PEOPLE HAVE SCAMMED ME AND I WANT MY ACCOUNT CORRECTED. I HAVE NOT RECEIVED ANY OF THESE PRODUCTS AND I LIVE FROM CHECK TO CHECK. THESE PEOPLE GOT MY CARD NUMBER AND NOW I 'VE GOT TO SUFFER BECAUSE OF THEIR SCANDALOUS MAKING CHARGES TO MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Hello, My husband and I did a balance transfer to pay off our Home Depot card and we thought we had paid it off but there was a {$68.00} balance. We use to receive paper bills but somehow they stopped so we assumed it was paid in full. I checked my credit report a couple months after because I am in the process of getting pre-approved to buy my own place ( My husband and I are getting divorced ) and could n't understand why my credit score went from XXXX to XXXX and saw that Home Depot has reported us 2 months past due! I was so upset! I called Experian and they let me know only Home Depot could only fix it. We 've been cardholders for over 10 years, and have never been late on payments. 
I called Home Depot they told me we had switched to e-statements to my husbands email address ( he never received them ) which we do n't recall doing. They said I could send a letter of explanation along with my full credit to their dispute department. Only to be rejected 5 weeks later stating that it was true and accurate information that I was late for the the payments. I let them know my husband and I are in the process of going through a divorce and my future depended on my good credit so I am able to buy my own place for my XXXX kids and myself. I am so furious that they wo n't even take into consideration our excellent credit standing with them or the circumstances behind it. How could we pay the {$68.00} balance when we had no idea it was due and they charged us several late fees on top of the small balance. We had paid them {$4400.00} via a balance transfer, what would make them them think we 'd be late on purpose to pay the remaining small amount we owed? 
I am hoping you can please help me get these negative marks off of our credit. It is so disappointing. They also lowered our credit limit from {$5000.00} to {$500.00}. 
I will never use their card again if they do n't adjust the negative marks! They clearly do n't value good customers. 
I 've attached a letter I sent to Home Depot to dispute our account. I am hoping you are able to help me. Thank you in advance for your help. 

Kind Regards, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I cancelled my bank account with CITIBANK in XXXX 2015 and I 've already called them XXXX times to get a check with the balance of my account at the time of closure. So far no result and the process is in a loop. In every call they offer cancelling the previous check supposedly issued and reissue a new one. Every call takes more than XXXX minutes and they ask for my personal data over and over again. Two months after I still do n't have my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: VI

Complaint narrative:
I contacted Citibank regarding my Home Depot Credit Card. We have been using the credit line heavily during the renovation of our home. I noticed that the interest rate on the card was at 25.99 %, and the amount of interest I have been charged as of my XXXX, 2015 statement was over {$3000.00}!! I almost died! My Dad has a Home Depot credit card and his interest rate is only 17.99 %. I have always made payments on time to the account and do n't understand why the rate that I am being charged is so high. I called Customer Service to ask if my account could be reviewed and if my interest rate could be lowered. The agent told me that a lower rate was " not available ''. I mentioned the lower rate on my Dad 's Home Depot account and said it was a whole 8 % less than the rate on my account, so how can that be possible? She said that this is how the account was opened and there is nothing she could do about it. I had the account set to auto-pay the minimum amount every statement, but realized that the amount of interest being billed was the same or more - for example, on my last statement the minimum payment due was {$510.00}, but the interest charged was {$510.00}, so at this rate I would never be able to actually pay down any principle and would be just paying interest unless I increase the payment amount to actually try and reduce the outstanding balance. With the interest rate as high as it is, it is very difficult and I am a victim of being stuck paying interest through my nose!! Since the interest amount is eating up ALL of my monthly payment, I do n't know how I am going to catch up and actually reduce the balance on this card which is around {$19000.00} at the moment. I feel like this is price gouging and very unfair!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am an Identity Theft Victim. My original FTC document was XXXX to CFPB on XXXX XXXX, XXXX. My personal information ( SSN, Birthday, Address, Driver License #, Phone # ) were stolen after I opened a phone number on XXXX XXXX, XXXX at XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sale person # XXXX The Criminal used my identity 1 ) Changed my address on file at Credit Card company, fraudulently charged more than {$36000.00}. ( XXXX XXXX {$12000.00}, XXXX {$4000.00}, HomeDepot {$7400.00}, {$1200.00}, {$1400.00}, CitiCard {$2000.00}, Macy {$1500.00}, XXXX {$1800.00}, XXXX {$4400.00} ). Repeatedly asking for Credit Card replacement or new card after I closed the previous ones. 
2 ) Stole my phone number twice and pretended to be me for Credit Card Call Back Verification. They also opened several lines with XXXX and charged equipment. 
3 ) Showed up at my address twice, first time waited for XXXX delivery to retrieve XXXX Card that I did not request and the second time stalked at my place, either waiting for US Mail delivery or tried to break into my now locked mail box.

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 2016-07-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citibank was deceitful in the way it double charged me late fees without giving me any notice that there was a balance to pay.. 
I went to Best Buy to pay my bill. I paid the balance. A month later I got a call from Citibank about my credit card bill. Owed {$52.00} and change. I called to see who had used my card since I had n't bought anything after paying off my balance. 
They said XXXX $ for being late. And that I had n't paid the late fee so there was an additional late fee. Plus interest. I said I paid the balance at the store. If there was a fee, why was n't I told then. Or later? 
Eventually they removed XXXX late fee. I went to Best Buy and they tried by phone to get Citibank to refund the other late fee. Citibank would n't help. I said, ok then. I 'm paying this fee right now at the store, after which I want my card cancelled. 
They cancelled the card within XXXX seconds while we were still on the phone and before the store associate could process the payment. They ca n't process payment on a closed account. Catch 22. They may charge me more interest! What? The store associate was appalled. Me too. 
Not only was this deceitful, mean, and unnecessary, it ought to be illegal. 
I 'm filing complaints for their deceitful practice of charging me WITHOUT notification, charging me again on the first wrongful charge, and canceling my account so that the store could n't accept my payment.

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 2016-10-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Lending Club Corp
State: NJ

Complaint narrative:
I applied for a personal loan through Lending Club and received an email stating I was not approved on the XXXX XXXX XXXX. On XXXX XXXX I noticed that my XXXX XXXX XXXX XXXX account had an additional XXXX. I checked my email again, and on the same day Lending Club approved my loan. I called them immediately and informed them that I did not want the loan and was informed that I had to pay it back and the interest which included a XXXX fee. If you would look at the document, the email states pre-approved to not approved on the same day. After, the denial I assumed the loan process was invalid yet, the deposited the money into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 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: ASTA FUNDING INC.
State: CA

Complaint narrative:
I have received a collection letter from this company and have not had XXXX XXXX XXXX since 2002. 13 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This company has a judgment on a credit account that they bought from XXXX of my creditors. In addition, I have not given them any personal information about me. However, they have won a judgment against me and I understand that. But I have never given them any information about me and they have been able to obtain a legal order allowing them to contact my past and previous employers to garnish my wages. I am currently in the process of filing a head of household exemption but I 'm a little uneasy knowing that creditors are allowed to violate my privacy and utilize the court system to seek my personal information. Again, this is a third party collection agency who bought my account from my original creditor. I plan on taking this a little further. The agencies name is XXXX XXXX XXXX , XXXX. My new employer was served with a writ ordering them the provide my information. This could of resulted in ramifications to me and my lively hood.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have received numerous calls from Citibank requesting to speak to my Father-in-Law " regarding his account ''. I have repeatedly told them that this is not his phone number, his home, nor anything else of his, and he can not be contacted here. One representative requested that I give him a message to call them back and gave me a phone number. ( Violation # 1 of FDCPA ). I have also asked them several times to remove my phone number. They assure me they will, and then a few days later they are calling again asking for him. ( Violation # 2 of FDCPA - repeat contacts of family member without request of such by myself. ) They just called me again today and asked for him. I told the lady again, not him, his number, his home, and to remove the number. She reported she " would try '' to do so. 
My father-in-law is a XXXX Veteran and deserves all appropriate protections. ( I am not a veteran. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have XXXX different Citi Bank credit cards. All in which I have had for several years and been granted fairly high limits. I have NEVER missed a payment, always making all payments on time via their online portal. For the first time, and with only XXXX of the cards, I missed a payment. As a result, I was assessed a {$25.00} late fee. I emailed requesting a courtesy reversal of the fee considering my history with the card company. They declined. So I called to make the same request in which they denied again. I spoke to a supervisor who said since the bank did n't make an error, the fee was assessed. I explained that I understood why the fee was assessed and that I was asking for a ONE TIME COURTESY to be made considering my payment history, etc. She told me to wait to see if the system would take the adjustment only to come back a few moments later saying the system would n't allow her to credit the {$25.00}. I asked her what was CitiBank 's policy on customer satisfaction in which she stated her inability to reverse the fee is a new policy. 
In other words, no matter how many cards or how long I 've paid faithfully on those cards, not to mention the countless amount assess in interest, CitiBank values their {$25.00} fee more than the ongoing relationship with a " valued customer ''. Do n't ever forget to make your payment, not even by a few days, because Citibank will charge you. I wonder if they 're so quick to act when they make mistakes.

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 2016-09-20 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I went into Home Depot located a XXXX XXXX XXXX XXXX, Texas to purchase some home products. At the cash register, the cashier indicating that they had special promotion because of XXXX. She took my personal information ( drivers license & social security number ) but never indicated that she was submitting an credit card application. She told me that when I got home to just throw away my receipt. A few days later, I was surprised when I received a Home Depot credit card ( issued by Citibank N.A . ) in the mail. The cashier should have been clear that she was submitting an credit card application as this could negatively impact my credit score.

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 2015-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The Bank withdrew Funds-money from my account without my knowledge OR permission to do so.This was due to the failure of my credit card payment. Todate i never got my money back

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I spoke to someone at Citibank last week regarding my student loan w/ them. Am wanting to try to negotiate better terms for the loan. Was informed that they " are out of the student loan business and there 's no one to talk to '' I still send my payments to them, so why is there no one to speak with?? Is this legal, or part of a deliberate attempt to protect their profit? This is issue # 1. 
I began repayment of loan after I XXXX in 2011, and during the deferral period before that, paid the quarterly interest. I have paid greater than the billed amount each month. To date I 've paid in over {$18000.00}, and yet my current loan balance on an orignal amount of {$24000.00} is over {$22000.00}, meaning I 've only reduced the loan by about {$1800.00} and the bank has profited a tidy sum of over {$16000.00}. It appears to me that this qualifies to be called predatory lending? Issue # 2

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 2016-09-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: FL

Complaint narrative:
I took out a personal loan with Lending Club and my payment is due the XXXX of every month. Lending Club sets up your monthly payment to be auto drafted from your bank account which I opted out of as it is my right. My plan has been to make a payment every XXXX weeks of {$1500.00} which exceeds my minimum required payment by almost XXXX. In this case, I made online payments of {$1500.00} on XXXX, debited XXXX, and XXXX debited XXXX, and according to Lending Club, I still owe a payment of {$870.00}. 

After discussing the matter with Lending Club directly, I 've been informed that the only way to ensure a payment is correctly drafted is to call on the payment due date, or to mail a check which is subject to a {$7.00} processing fee. If I do not do it this way, my additional payments will be held up until I call in to make my original monthly payment. At then end of 30 days past my due date, I was told my loan will be marked delinquent, the credit bureaus will be notified, and my account will be sent to collections. At this point, I will have paid {$7500.00} towards my loan to which Lending Club will state that I owe {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted BestBuy credit card to try to set up a payment plan with them after being 3 months late. I let them know that due to financial difficulties I have been unable to pay, but now I would like to set up a payment plan. I told them I can only afford about {$30.00} a month for now and asked for a possible removing some of the late fees. After about XXXX minutes of numerous questions they said the best they could do was about {$85.00} a month for 6 months. I told them I am on a fixed budget since losing my business income and could not afford that payment. But I told them I would pay a payment of {$30.00} each month. Unfortunately, I gave them permission to contact me by phone. This was the beginning of the month and I told him I only get paid XXXX. So, after paying the {$30.00} payment I told him to put the info. in the computer and not to call until next month. He said he could only stop the calls for 5 days, I told him again that my finances would not change until next month. Now they have been calling every day multiple times a day, which I feel is harassment. Sometimes they call XXXX after another, although this is seldom it is very annoying. I believe they are purposefully doing it to irritate me into calling them. Can you help me in getting them to stop calling me and only contact me by mail from now on? I will contact them XXXX when making a payment or possibly trying to increase payment when I can. But, That is the only phone conversation I wish to have, when I initiate it only.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief