vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FirstKey Holdings, LLC
State: MD

Complaint narrative:
I have had my mortgage with First Key for several years. Last year, I received a letter stating there was a shortage in my escrow account, so my payment went up. Had to pay it. Received another letter this year stating the same thing. Became suspicious. Contacted them, and they told me my home insurance and property taxes went down. They said on the phone " This cant be right '' Asked for a supervisor or someone from their escrow department to contact me. I have spoken to XXXX of their customer service reps, and still have not heard a word. Feel as though I am being ripped off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Our Costco card was transferred from XXXX to Citibank, all communication to us was that it should be 'seamless '. The card went active on XXXX and the first time I signed in to set up the account was XXXX ... only to find out that our due date for our first bill had already passed, no notification ... nothing! They transferred my account transactions, but my autopay that I had set up was not transferred. I immediately paid the full balance ( before the next statement came out ) and when I received my statement there was an interest charge of {$12.00}. I called their customer service and asked for it to be removed, but they stated that it could not be done. I asked how I could ensure that no further interest charges could happen, and they tried to double talk me about average daily balance, etc. They obviously did not want to provide me clarity as to simply ensure that I will not get any more interest changes. I went online to pay any remaining charges off ( and then some to ensure that I would not get hit with interest on any pending charges ) and their system would only let me pay what for what was posted. So based on the reps description, I need to sign in every day now to pay the posted balance so there is no average daily balance ... and stop using the card until it is at {$0.00}. This is insanity. Either my autopay that was set up with XXXX should have worked, or Citi should have transferred that information over. Costco chose to change companies that it worked with ( to seemingly a horrible company in Citi if their customer service is any indication ), and it ended up negatively impacting me as a customer. An unbelievable unfair practice ... I pay attention to my finances, I 'm sure that there are many others who are more laissez-faire who are getting negatively impacted without notice.

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 2016-09-06 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: Media Collections, Inc
State: VA

Complaint narrative:
XXXX collection companies claim that we owe them a small amount but will not provide supporting documentation. The name on the collection letter is similar to ours, but that name was actually used by someone infringing on our trademark several years ago. 
For the past 2 months, we have received collection letters from different agencies and same account number. I have requested supporting documentation ( email and written ) in both cases but have not received a reply.

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 2016-05-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I requested a refund from Citibank in XXXX 2015 secondary to duplicate payments made on my Sears MasterCard. I forwarded a written request for and proof of payment of these funds to Citibank on multiple occasions. I have contacted Citibank on numerous occasions since my initial correspondence, but to date I have not been refunded for this overpayment.

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 2015-09-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
Palisades Collection is attempting to collect a debt that was discharged. They are harassing me at my workplace and at home. It appears that they know the ramifications but they are persistent and they are sneaky and nasty ( and intrusive ) with their ploys.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I signed up for a Citibank Citigold account with a sign up bonus offer ( XXXX XXXX XXXX miles ) that I received in the mail. I met all the requirements ( XXXX consecutive bill pays for two months, purchase of {$1000.00} with debit card ) of the bonus and did not receive it.. I was told via secured message I would receive the miles by my XX/XX/XXXX statement, and in an online support message that I would receive the points by XXXX XXXX. I messaged today to confirm and was told they were not planning to honor their original promise.

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 2016-09-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I signed up for a Citigold checking account on XXXX XXXX under a promotional offer ( XXXX ) that promised XXXX XXXX XXXX miles after completing two requirements : { {$1000.00} } dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. When I first opened the account, I had a call with a Citibank representative regarding an issue with funding the account ; I was unable to fund the account in the manner that was originally advertised, but she did confirm my enrollment in the promotional offer as stated above. I completed the requirements and reached out to Citibank to confirm ; the customer service representative confirmed that I had met the requirements and would receive my AA points within 90 days. I waited 90+ days and still had not received my points, so I reached out to Citibank multiple times with their response being that I needed to wait longer to receive my points. After many months and further inquiries, Citibank finally told me they would open an " investigation '' regarding the points I was due. The conclusion of the investigation was that I would not be receiving my points despite being eligible under the terms and conditions and meeting the requirements for the promotion. Unfortunately, I did n't save all of the documentation ( mostly secure messaging and chats ) since I was getting positive information from Citibank a majority of the time ( " yes, you 're enrolled '', " yes, you qualify '', " yes, you 've met requirements '', " yes, you 'll be getting your points '' ) and I also did n't realize until it was too late that you have to actively save messages ( most other companies keep messages until they 're actively deleted ).

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 2016-05-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XXXX/XXXX/15 I opened a Citigold checking account after receiving an offer in the mail stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I have met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by the end of XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, that I had met the requirements, and that the points would be deposited at the end of XXXX, Citi has pulled a bait in switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. Hundreds of people are in the same situation as me. I 've done XXXX searched and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.

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 2015-11-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied for a credit card with Citi Bank on XXXX based on a application I received in the mail. I applied on line to see what credit limit and conditions I 'd get on the card. I was immeditly approved for the card and received an email from Citi Bank stating an account has been opened and card will be mailed. HOWEVER, I was not happy with the credit limit and the interest rate. I called Citi Bank immeditly to request the account opening process be halted and for Citi Bank to NOT open the account. I spent an hour on the phone with Citi Bank speaking to a number of individuals. All of whom stated " they could not stop the creation of the account '' and " that I can only cancel the card after its been issued and the credit card comes in the mail. However, I know this can damage my credit card, as the length of credit card account directly impact my credit score and it will lower my credit score. In addition it can delay getting a better card that I deem is right for my needs. I made several requests to Citi Card that they cancel and cease the opening of the account. However, they refused and stated " they simply can not ''. Even though I called them immeditly after the account was opened. The last XXXX digits of the card are XXXX of the Citi XXXX Card. 

I feel tricked by Citi Bank and feel as a consumer who was simply exploring what the cards credit limit would be I have been tricked into opening an account. I feel my rights as a consumer have been pliantly ignored and disrespected. I do NOT want this account. I do not want this card to lower my credit rating or score. I simply want this account creation to cease. Attached is the email I got from Citi Bank. Again, I spent an hour on the phone with Citi Bank requesting the account be closed BEFORE the card is issued. They said " they can not do this ''. I feel hijacked by Citi Bank and feel I had no rights in my own credit. Citi Card was very unhelpful in this matter in honoring my request in regards to my own credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a checking account with Citibank late last year when there was a promotion of {$400.00} bonus when you deposited {$15000.00} in the account. The terms were the bonus would be posted within 90 days of requirement completion. I completed the requirement ( deposited {$15000.00} ) on XX/XX/2016. As of today, it has passed 90 days and the bonus has n't posted to my account yet. I 'd like the {$400.00} bonus as promised by Citibank.

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 2015-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC.
State: NJ

Complaint narrative:
Delaware Solutions, XXXX XXXX is contacting my place of employment, my relatives and stating there is a federal case against me regarding me being a " habitual offender '' of a debt case, is sharing the last digits of my ss # to my employer and relatives. They have left messages threatening to send me a summons to appear in court where I will be required to pay and if not, they will put me in jail for the maximum sentence for fraud. 
They will not send any information regarding the debt over but claim I owe over {$2000.00} in bank fees and for the original debt. They are claiming it is a payday loan which I have not taken out. I tried to explain that my identity was stolen a few years ago and since then I have been getting these calls. She claimed that if I do not pay, I will be arrested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I received at Citicard Visa card when Costco changed from XXXX XXXX. I have not, in two months received a bill and can not pay it. I have misplaced my card so they will not send me an emailed bill. I am waiting for a replacement card to be sent to me.

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 2016-08-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My Best Buy card which is managed by CitiBank has held my account hostage while it is in their seemingly ongoing " review '' process for over 5 months. I do not agree with the charges and fees that have accumulated on the account due to the fact they would not allow my wife to pay off the account while I was in the hospital. Now they will not let me do anything to settle the account while they hold it in limbo. It has hurt my credit score and impacted other areas of my family 's life. They will not give me any concrete information on my account or any semblance of an idea as to when their review process will be complete.

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 2016-03-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
After reviewing my credit report, problems with my Macy 's card has significantly affected my credit. I have only purchased something on this card twice. The first time I paid in full. The second time, I was not receiving the bill after changing addresses and was three months late. I called Macy 's and told them I never received a bill or late payment notices. They agreed to take off a significant amount of the late fees. I paid in full exactly what Macy 's customer service told me to pay. I have not used the card since as of XXXX. It was paid in full with a balance of XXXX so I did not continue to look at the statements. However, for the next 6 months they charged me {$2.00} every month as minimum interest charges. Again, I received no bill or late payment notices. Finally, after having a {$12.00} balance on my account, I receive a statement in the mail saying my credit limit was lowered to XXXX dollars and I have been delinquent in payments. I called Macy 's and explain what happened and they told me they will credit me XXXX dollars since I should n't have been receiving minimum interest fees. I ask them to close the account and they say it 's closed. I would like to fix the negative account on my credit report. I have never paid interest or late payments on any other credit card. XXXX Macy 's credit card should not affect my score this much. I paid exactly what they told me to pay but they kept charging me minimum interest fees on a XXXX balance account without my knowledge. According to FICO, my credit score has dropped from XXXX when I bought a car in XXXX to XXXX as of XXXX. It was XXXX in XXXX and it has dropped XXXX points in just one month and the Macy 's card is the only negative account on my report. Please let me know what I need to do to fix this inaccurate negative reporting.

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 2016-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened a XXXX checking account in XXXX 2016 after receiving in the mail promotional code XXXX. This promotion entitled me to earn XXXX XXXX Bonus Miles if I made XXXX electronic bill payment for two consecutive months and {$1000.00} in purchases using the Citibank Debit Card. 

These were required to be completed within 60 days after account opening ( meaning by late XXXX 2016 ). I am not sure what the problem is in Citi 's operations department, but I had to call customer service multiple times in XXXX and XXXX because I never received a debit card. I first needed the debit card before I could make the {$1000.00} in purchases as well as activate my online account to make the bill payments. 

Finally in early XXXX I received my debit card, over 60 days after account opening. I called customer service and explained the situation, and the representative explicitly told me I could still complete the steps and receive the promotion, even though it was past the stated deadline. The representative told me to call back in and report when I had completed the bill payments and purchases. 

I called in early XXXX to report that I had met the requirements, and I was told I would be awarded the miles within 90 days. After over 90 days had passed, I called on XXXX/XXXX/2016 and inquired about the status. After waiting 5 more days, I received an email stating " your account does not qualify for the promotion because the required bill payments and debit purchases were not made within stated timeframe. '' I called again and asked for a supervisor, who told me that " the Promotions team may have told you that you qualified this summer, but now they say you do n't. '' Had I been told this originally in XXXX and XXXX when I called, I would n't have kept my account open. I have been paying a XXXX monthly service charge each month waiting on the miles to vest and deposit into my account. I honestly believe that Citi enticed me to open an account with a promotion, then intentionally provided slow service and mixed answers so they could continue to collect my monthly service charge. 

I am extremely angry with this situation and Citibank 's response. Not receiving a debit card for over 2 months as it was supposedly " lost in the mail '' multiple times is unacceptable. On top of that, being explicitly told I was granted an exception to the promotion timeframe deadline, then being told the opposite with no recourse after Citi extracted multiple months of service charges, is ridiculous.

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 2017-01-27 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I purchased a stove, washer and dryer from Home Depot. I made the payments on time until I fell on hard times. They called me and set up a payment plan with me. I had been on this plan for over 2 years allowing them to draft my acct faithfully on the XXXX of each month. I called on XX/XX/XXXX to have the draft stopped for one month and agreed to pay XXXX payments XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX ). I was told the payment plan would resume drafting again XX/XX/XXXX. When the payment did n't draft on the XXXX I called on XXXX and was told the plan had to get set back up I made a phone payment with XXXX and was told to hold for a certain department. I held, held and the call ended my lunch time was over. I then received a letter stating my payment plan was terminated. I called and spoke with XXXX who then transferred me to XXXX on XX/XX/XXXX he told me the plan was terminated for missing XXXX payments advised my payment were missed, he then went on the inform me there was nothing that could be done as far as putting me back on the plan and my payment was not {$100.00} and no longer {$90.00} and the ARP was back at 26.99.By being on the repayment program I put a big dent in the balance from over {$5000.00} to a little under {$3100.00}. My plan was terminated unfairly and I desire to be back on the plan to get this balance paid in full.

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 2016-06-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
COLLECTOR KEPT CALLING FAMILY MEMBER REGARDING XXXX AND XXXX ON MY CELL AND WORK NUMBERS. so.o.l. expired in illinois

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 2016-10-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My debit card was lost and fraudulently used to take {$3700.00} out of my checking account over a two week period in XXXX, 2016. I reported the card as lost within two minutes after I realized it was lost. Citibank told me it would credit my account for the full amount while they did an investigation. It has now been four long months and I have not received any credit to my account, and I have not received anything in the mail regarding this dispute. I keep calling them to see why this is taking so long and I am getting very frustrated. Do n't use Citibank, they will steal your money and never give it back 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