vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
I received a letter from XXXX stating that I own over {$28000.00}, It may be for a credit card. I do n't have credit cards for the last 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My husband and I are XXXX. We purchased our first home on his VA loan cert 30 year fix loan in XXXX. We filed Chapter XXXX in XXXX after the housing market crashed. The CHXXXX was discharged in XXXX XXXX. The bank has not removed our names from the Title due to the Soldiers/Sailors Civil Relief Act. Stated although there was a court order lifting the stay, ( allowing them to foreclose or short sale ) they could not remove our names from the XXXX. We want to have our names removed from the XXXX and update our credit report correctly. Still shows this is ongoing debt post the ChXXXX discharge. Our BK Lawyer to immediately surrender the home. Our family of XXXX vacated the property in XXXX. We did n't know at the time we should have waited for the title to be transferred out of names prior to vacating the property. We trusted our lawyer 's advisement. This is a huge concern, because we understand we are liable for any accident ( s ) on that property. The bank has not foreclosed or short sales the home. We have filled out paperwork for a Deed in Lieu in XXXX XXXX. We have been renting since XXXX. Our current rental lease is up in XXXX XXXX and we would like to purchase another home for our family and maintain stabilty. We are not able to complete this process until our names have been released from the Title. We are both currently XXXX XXXX and are earning an increased salary. We are going to be stationed in this area until we retire. Please help us expedite this process so we can move forward and have a stable home for our family.

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 2016-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Facts : - debt was fully discharged in XX/XX/XXXX BK - in XX/XX/XXXX I contacted Citi, we reached an agreement of {$2500.00} to release the lien on my home - Per the letter from Citi " Upon receipt of certified funds, Citifinancial will release its mortgage on the property '' - As agreed, I paid the {$2500.00} via wire to Citifinancial on XXXX/XXXX/XXXX - I have contacted Citi numerous times since the settlement in XX/XX/XXXX, the lien is still not released - this is impacting my ability to complete a HARP refinance, which in turn is impacting my ability to keep my home

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have disputed several times that the XXXX account was not mine. You guys keep saying that you are verifying with XXXX that the account is mine. I spent over an hour on the phone with XXXX today and they could not find me by name, address or social. XXXX from XXXX sent an email of the call stating that i do n't have an account nor have I ever had an account with XXXX. He also put a copy of the escalation in the email that shows he requested for me to get a copy of this information on XXXX letter head. Im asking that with attached documentation that this account be removed immediately considering that this account is seriously affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2015 I received a call from Citi Card advising that I was late on a payment. Having just reviewed my end-of-the-month bills, there was n't one from Citi Card. She looked at my account and saw that I always receive the statements electronically and pay on time for any balance. I asked her what email address was it sent to and she said " XXXXXXXXXXXX? ( example, only ) I told her, that is NOT my email and gave her the correct one. I asked why through XX/XX/XXXX all the statements arrived problem-free and she said someone had re-keyed it in incorrectly. She said that she would fix it and I told her I 'd be happy to pay the bill. 
This morning, I went to pay the bill, but noticed a {$25.00} late fee. I called Customer Service and advised them of the issue from last evening. Since it was not my error as I had not received any bill from them whatsoever, that I would be happy to pay my full balance, but please remove the late fee. She said she would submit it, but I should not expect it to be approved. It was not. 
My payment record with the XXXX companies who cards are managed by Citi Card proves my good standing as a customer with prompt payments. Since this error was not one I made and it occurred through a mistake of Citi Card, I should have that {$25.00} refunded to me. Imagine the hundreds of thousands of dollars they make on these trumped-up charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
CitiFinancial is reporting to XXXX that I owe them {$7100.00} from an installment loan that supposedly went into collections back in 2011. For well over a year, I have been trying to contact them to resolve this loan, but they continuously give me no avenue for resolution. I filed a complaint with your office back in XXXX of this year asking for your help in getting CitiFinancial to speak with me about resolving this debt. We received a response from Citi regarding who to contact to get this matter resolved, but 6 months later, we are no closer to getting this matter resolved. Despite countless attempts to contact Citi, I either get no response or notification that they do not have that account number on file. Quite simply put, CitiFinancial is holding my credit report hostage. They are reporting an unresolved collection account on my credit report, and simultaneously providing no avenue for resolution. I am going to be uploading XXXX documents. The first is a snap-shot of how CitiFinancial is reporting this debt to XXXX The XXXX is the response I received through your office from our XXXX complaint. The third is the latest response I received from Citi. Once again, they are back to stating that they have no record of the account, or can find no record of the account with the account numbers THEY are providing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XXXX my financial institution sent an electronic payment to Citi/Best Buy. The payment was due on XXXX/XXXX/17. With the banking system shut down for the holiday. My payment did not post to my account until XXXX/XXXX/17. Thus, causing the system to access my account a {$27.00} late fee. In the history of my account, I 've never had a missed and or late payment. The same system for making payments has been used every single time. After reaching out to Citi/Best Buy via chat. The associate named XXXX was able to promise an adjustment to my account for the {$27.00} incurred. The associate then proceeded to tell me that I should have used their website to make a payment. That 's it 's open 365 days per year. I do n't need someone lecturing me on how to pay my bill to your company. I 'm sure that I was not the only one caught in this dilemma with Citi/Best Buy and or other credit products you manage.

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 2016-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened my citigold checking account on XXXX/XXXX/2016 using the promotion code XXXX. This promotion code XXXX was for earning XXXX XXXX Points after making XXXX or more bill payments for XXXX consecutive months within 60-days of account opening. I made XXXX separate bill payments, XXXX on XXXX and XXXX on XXXX/XXXX/2016 which satisfied the bill payment requirement. Following this, I confirmed with a CSR rep that I met the requirements for the promotion and would receive the ThankYou Points. A month later, my account had to be closed due to fraudulent activity. I asked the bank if I could still receive the thankyou points if I opened a new account. They told me that I would not receive the points because my original account was never targeted for the promotion. I argued that since the CSR rep told me I met all the requirements, I should be awarded the points. They refused. I can not access my online account to provide supporting documents because it was closed due to fraud.

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 2016-05-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My AmericanExpress/ Macy 's card had fraud transaction on XXXX/XXXX/XXXX, so called Macy 's to file a claim. However It took them over 4 months to finally clear charges ( on XXXX/XXXX/XXXX ) but delinquent status was still not cleared and they were the ones who told me not to make any payments since it is in investigation status. I have called them over 15 times to get this resolved and also, got a letter fro COO of Macy 's to apologize but all XXXX credit agencies still showing that acct is over 90days delinquent status ( do n't understand why ) and is hurting credit as i am trying to get a mortgage loan. It hurt my credit score of more than XXXX pts ( just found out from XXXX XXXX XXXX ) and I am seriously considering sue them for damages.

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 2016-07-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2016-06-25 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Costco opened up and authorized Citibank to open a XXXX account in my name. My previous Costco card as from XXXX XXXX. Back in XXXX, I had expressed to XXXX XXXX that I did not want any other XXXX XXXX cards, and specifically inquired about how the account would close. I was told it would automatically close in XXXX of 2016. XXXX of this past year, I again inquired to confirm that the account would close on its own in XXXX of 2016. I again expressed to XXXX XXXX, who was trying to convince me to sign on to another type of XXXX card, that I had no interest. We already had XXXX XXXX XXXX XXXX and XXXX XXXX card. I received a Citibank Visa card last week from XXXX, when I called citi, they stated that all of XXXX XXXX XXXX accounts were turned over to Citi and that we were notified in each statement with leaflets that this change were to take place. 

I never authorized anyone to open an account for me at Citi. I never authorized anyone at Citi to run my credit. I have since tried to call Citi to no avail because of the large demand from Consumers calling Citi regarding their new Costco card. I was told from my first conversation with Citi, that the new account would close on its own after two years of non-use. The people at Citi also proceeded to tell me if I were to close the account it would hurt my credit score. They then proceeded to explain the wonderful benefits of owning their credit card. 

I am absolutely disgusted with how my account was opened without my permission or authorization. I think this credit system of losing points on your credit score because of closing accounts is wrong and insulting. I have always paid my bills on time, and never have been late. I purposely make sure my credits watched and managed closely. To have them open an account without my permission is an invasion of my personal privacy. I would like the account closed, and done so in a manner that DOES NOT REFLECT ON MY CREDIT. I want it closed by them acknowledging to the credit bureau it was opened inadvertently and without my permission or authorization.

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 2015-06-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank
State: NJ

Complaint narrative:
I accidently over paid my card. It is a prepaid card with a XXXX dollar credit limit. I have had a XXXX dollar available limit for some time now even though I owe nothing and have overpaid the card by XXXX dollars. the payment wsa smenat for my fiances acct. I havent asked for the credit back or even to apply it to something. I was instructed that as i spend on the card it will be taken out of the credit first yet I have tried to use the card and have been unable to. I was told payments had to post and i understand the float is their business model. Isnt there laws in place to limit the time they can hold money and not post it to accoutns? secondly they repeatedy accpet a payment then ask for a payment less than XXXX days later and if its not made it slate. Thats not possible, If you pay for example XXXX dollars on the XXXX wiht a min payment due of XXXX dollars how can the XXXX another payment is due or a late fee incurs when yo obviously made a payment that month. This company is a constant violater of proper financial parameters by delaying posting of monies and attemting to bill customers with overages and lates. I know I 'm not the only person who has brought this to your attention. I can see what they have attempted to do to me. I have money so i can easily rectiofy my situations before they get my money. I thought the federal govt was suppose dot monitor companies like this to protect consumers form abuse

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I use XXXX XXXX on-line banking to pay my bills. XXXX of the payees is for a Citi XXXX ending in XXXX. In the last several weeks, I requested XXXX XXXX to obtain e-billing from Citi for this credit card. This request apparently allowed Citi access to my on-line banking account. When I checked my on-line banking account on XXXX, I discovered that the information regarding card ... XXXX was missing, and it had been replaced with another Citi XXXX ending in ... XXXX. In addition, all summary information ( monthly payment info ) for card ... XXXX was now missing. However, the summary info for card ... XXXX now contained the information that would have been correct for card ... XXXX. 
I should stress that I am receiving billing statements from Citi only for card ... XXXX. I have never applied for or authorized card ... XXXX. 
It is my belief that card ... XXXX is a ghost card account opened by Citi without my permission or knowledge, similar to that which XXXX XXXX was recently investigated for. I have contacted Citi requesting all applications or other paperwork regarding card ... XXXX. The request to Citi contained the complete card number for ... XXXX.

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 2016-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.

Complaint narrative:
1. I left the U.S. and moved to work at XXXX in XXXX since XXXX XXXX. Therefore, I cancelled my Macy 's credit card. 
2. In XXXX XXXX, I received an email with my Macy 's credit card statement so I called the customer service immediately and told them that I already left the U.S. and could not receive any mails from them and I already cancelled this credit card. Their customer staff ( a girl with an XXXX accent ) told me that I still had XXXX unpaid payment with US {$44.00}, which was overdue at that time. I told her that I always paid before the due date ( my credit score was " XXXX '' as of XXXX XXXX, XXXX ) and this must happen during my travel so I asked her if she could ask her supervisor for one-time exemption of the past due fine. She put me on hold about 10 minutes and she said it 's been resolved and I only had to pay the remaining amount of {$44.00}, which I spent for my last purchase online in XXXX. 
3. After I received the confirmation from Macy 's customer service staff on XXXX XXXX, XXXX, I paid {$44.00} right away on the same day from my XXXX account ( banking record proof ). 
4. I thought my due payment was all cleared. However, in XXXX XXXX, I noticed that Macy 's still kept sending me bills by email. That 's very ridiculous! Therefore, I tried to email them at XXXXXXXXXXXX to reflect this issue. I emailed Macy 's at least three times and also left my official complaints online but had never received any email responses from Macy 's credit card center! 
5. I called their customer service number at XXXX more than 5 times and they told me it 's been taken care of and they assured me that I would not receive any bill from them. 
6. On XXXX, my last phone communication with Macy 's. I demanded to talk to the customer service manager of Macy 's because this situation was getting worse. I actually recorded our conversation as proof when the manager assured me that my Macy 's account balance would become zero in the following month statement ( i.e., XXXX, XXXX ). 
7. Recently I 've been notified that my credit score dropped from XXXX to XXXX because Macy 's reported a delinquent account with a total of {$270.00} past due payment. This is outrageous!!! I certainly do not owe Macy 's any penny!!!

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 2015-09-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My previous case was case # XXXX. I received a letter stating the negative reporting would be removed from my credit report within 10 days. It has been more than 10 days and I now have a reporting of late payments two months in a row when I recently received a statement from Macy 's indicating I actually had a credit on my account as of XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank changed my account type with a monthly fee of {$25.00} XX/XX/XXXX. Since that account is dormant, I did not notice until XX/XX/XXXX. They ripped me off {$200.00} for absolutely nothing and I have no way of recouping

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I placed an order using my Sears Gold Mastercard. Two weeks later a freight carrier called to schedule a delivery. I informed the carrier that I wanted the opportunity to inspect the package to ensure that there was no damage, and that package contained what I ordered. The carrier responded that I would have to pay the an additional {$100.00} to the vendor. Since that would have been a cost over and above the agreed upon purchase price, I told the carrier I would not accept the delivery. No attempt was made to deliver the item. The vendor charged me the freight to return the item, and a restocking fee

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 2016-05-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received an offer from Citibank to open a new Citigold bank account in XXXX XXXX, which promised XXXX XXXX XXXX miles in exchange for making two ( 2 ) bill payments in consecutive months and for spending {$1000.00} on my debit card. 

I met these requirements in XXXX XXXX and received a confirmation message on XXXX/XXXX/XXXX ( see attachment titled " Citigold Account Bonus Confirmation '' ) that the XXXX AA miles would post to my account on XXXX/XXXX/XXXX. I then patiently waited and paid the monthly fees associated with the account. 

On XXXX/XXXX/XXXX, I checked in to be sure the miles would be posted as promised, I received a letter incorrectly claiming that no bonus was tied to my account ( see attachment titled " Citibank Letter 1 '' ). The promised XXXX/XXXX/XXXX date came and passed. 

After opening a series of investigations with Citi, they have repeatedly denied giving the me bonus that I am due in association with this account ( see one such denial in attachment titled " Citibank Letter 2 '' ). I have since read many, many accounts online of this same scenario happening with many, many other Citibank customers. Citi is likely counting on these customers not fighting back on this, but it is time someone like me takes a stand on this. 

Citibank is systematically and fraudulently baiting consumers into signing up for Citigold accounts with the promise of this bonus, only to pull the rug out from under its customers at the last minute after collecting their fees. This is wrong and completely unethical.

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