vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I called citimortgage on Saturday XXXX and asked about getting a 2 month extension for my XXXX & XXXX payment. I was told to call back on XXXX which I did and went over my finances and was told I qualified for the 2 month extension. I was supposed to get a fax that day. I gave them my personal fax # XXXX. I never got the fax so I called back and they refaxed it but with a date of XXXX not XXXX which would have had me within the guidelines to get the extension. I have made lots of calls and been told lots of different things I was told I was approved and do n't worry about the fax they just need to have it uploaded. Now today when I called I was told I was outside the dates so I was declined. I would like to file a formal complaint I did my due diligence to get help and was told I was approved for the extension and now it is the XXXX the last day of the month and I am not able to make the payment. I would like for Citi to make this right by honoring the XXXX as the date of the extension approval.

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 2016-06-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a huge problem with my Citibank payment. My FICO score dropped over XXXX points due to " miss payment '', which, is totally not my fault. First of all, I set up automatic payment for my account at the very beginning. Second, I have been having difficulty logging into my Citi account on my mobile app, as well as online. So when I tried to check and pay my monthly bill, I simply had no way to access anything. Plus, Citi closed all its branches in Pennsylvania, and this is where I live, so I can not go to any local offices to solve my problem, but to call their hot line. Third, after I got through the hot line, the representative said that the reason why I could not log in to my account is they sent me another debit card before without letting me know, and, I do not understand why they sent me a new card. Anyway, I did not receive the new card, so I have been unable to log in to my account. This led me to miss my payment, and they blamed it on me. The week before last week, I tried to pay my bill over the phone by giving my authorization ( last XXXX digit of my checking account ) to the representative to take money from my auto payment checking account. And I was confirmed that the payment was successful, so I guess they have my correct payment information. But today when I called Citi again after I found out I lost over XXXX FICO score because of the " miss payment '' ( absolutely not my fault ), the explanation they gave me was the auto payment did not go through. I found this extremely unacceptable, because they used the same payment account to pay my bill the week before, and it went through. But, they refused to cancel the report of my miss payment to the credit union. I have been trying to solve the problem for almost three months, but I still can not login to my Citibank account, I still can not make any payments on my own, and, because of which, I lost over XXXX FICO scores.

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 2015-07-14 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
My husband who was a XXXX used my credit card to buy a part. And then lost his job. So the CC came last on the list. I was a XXXX card with an available balance of of XXXX. I have had this dispute since XXXX 2014 which is past the 30 days. Now 14 months later I am trying to buy my first home. I have called to try resolve this but they are not will to come off of the fees and added charges. I do not think I should have pay all profit they are gaining from this bill

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Through my employer I won a {$100.00} gift card and I was allowed to select the card ( SEARS ) that I wanted. My intent was to use the proceeds to make a payment on my Sears Card. There were no disclosures or limitations on used listed at my time of purchase. When I received the card later that day electronically, there was a list of limitation applied. I would not have selected their card had I known what I know now. I went to the my local Sears store and the manager advised me I can only use for purchases. 
I believe this is a deceptive practice and that it should be investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Sears Visa Credit Card charged me XXXX indicating that I did not pay my bill for the month of XXXX 2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Costco changed credit card service to Citi Anywhere XXXX. I signed up for paperless billing and in XXXX received the first email alerting me of a balance and payment due. It also contained {$25.00} late charge. Upon phone call to Citi I was informed that I did not receive my first bill in XXXX because I had not signed up for bill alert notification. Interesting that once the late charge was added suddenly they sent me an email that I had a bill due. This is very deceptive and improper business practice. Anyone dealing with Citi beware.

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 2015-11-05 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: MO

Complaint narrative:
In XXXX 2015, I received a bill in the mail from Macy 's for XXXX charges that I did not make on XXXX/XXXX/15. Immediately upon receiving the bill, I contacted Macy 's and informed them. They stated that they need to conduct a fraud case and that they will send a letter to me in the mail to document in writing what I told them. I repeatedly called Macy 's every week, as I did not receive this letter in the mail until XXXX. While waiting for this letter to arrive, I received XXXX calls on a daily basis from another agency ( not Macy 's ) asking for me to pay this Macy 's debt, upon which I would tell them that the bill was fraudulent and currently being investigated. Other times upon answering these phone calls, the person on the other end would hang up the phone. I felt harassed and not respected every time I received these calls. I asked Macy 's to stop trying to collect on this bill that I did n't make. They continue to send me statements in the mail and to not process this letter that I returned the very next day upon receipt 3 months after notifying them about the fraud. I have never heard of this process taking this long for wrongful charges and have been extremely stressed about their process. I always pay my bills on time and tried to take immediate action, but they have an ineffective process and is one of the most stressful things I have encountered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Costco sold their XXXX XXXX credit card to Citibank. We did not want a Citibank card so we changed our XXXX XXXX card to a different account. We did not request or authorize Citibank to issue us a card or account but apparently they did it any way. We never received the cards. Instead we received a bill for an unauthorized charge by XXXX auto club. We noted that XXXX also sent an unauthorized charge to our XXXX XXXX. We contacted XXXX, they refunded their charge to our XXXX XXXX. We contacted Citibank about the duplicate charge and they investigated and agreed that it was a duplicate unauthorized charge. After multiple and multiple phone calls, Citibank still has not removed the duplicate charge. We assumed that it was taken care of when statements stopped coming, but now suddenly a statement comes in the mail after months of not being received in the mail telling us that the account is past due with absurd late charges. WE DID NOT REQUEST A CITIBANK CREDIT CARD AND DID NOT AUTHORIZE XXXX TO MAKE A CHARGE TO THE ACCOUNT. WE NEVER RECEIVED THE CARDS AND NEVER HAVE USED THE ACCOUNT. CITIBANK WAS TOLD TO CLOSE THE ACCOUNT AND REMOVE THE DUPLICATE CHARGE ON MULIPLE OCCASIONS, BUT THIS HAS NOT BEEN DONE. NOW OUR CREDIT REPORT IS SHOWING LATE PAYMENTS FOR AN ACCOUNT AND CHARGE THAT WAS NEVER AUTHORIZED OR USED.

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 2016-05-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Overdraft, savings or rewards features — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased XXXX new tires from XXXX XX/XX/XXXX off of XXXX. There was a promotion where we would get an {$80.00} prepaid XXXX debit card as a result. 

We moved from XXXX to XXXX XX/XX/XXXX and had all of our mail forwarded. I called XXXX about the status of the debit card as we never received it. They had no idea where it was and ordered a new one from XXXX. We did n't get this new debit card until the XX/XX/XXXX. 

We went to use the debit card XX/XX/XXXX and realized that the funds had been removed as of XXXX XXXX, XXXX. I called up XXXX who tried to have the funds re-instituted but were not able to. 
They directed me to call XXXX. 

I ended up going through a few people and ended up with XXXX XXXX from XXXX on XXXX XXXX. I alerted her to this website ; that the funds on these prepaid debit cards do not expire so quickly. XXXX She said she would look into it but never called me back. I finally got through with her today and she alerted me that upper management reviewed the case and nothing could be done about an expired debit card which only expired because it was delayed in being delivered to us and had a ridiculously short expiration date ( 90-120 days from issuance ). I asked if she enjoyed someone reaching into her pocket and stealing {$80.00}. She only responded that this promotional card was NOT a debit card despite it saying DEBIT on the card and issued by XXXX. 

This tactic is deliberately done by these companies to XXXX consumers : put an extremely limited time to use the card and steal the money back with no recourse. I have never seen a promotional card which had to be used so suddenly or we would have to relinquish our funds.

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 2016-01-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FMS Inc.
State: ID

Complaint narrative:
I sent FMS a letter ( attached ) asking them to provide proof of debt. ( delivery confirmation attached ) because I had received a letter from FMS saying they are attempting to collect a debt and that I need to respond within 30 days, ( letter attached ) which I did. They sent me a letter stating that they would and that all debt collection would cease until debt verification ( letter attached ). I still have not received proof that this debt belongs to me and they have now started reporting this debt on my credit report. 

They are in violation of fcra.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citi bank keeps telling me I have a balance on an old Best Buy card that i have not had in my possession in years. I keep telling them I will not pay for something until I see what the charges are and they refuse to acknowledge. I have gotten emails saying I have a balance but can not log into the account because I do not have the card. My current Best Buy account has always been current and they acknowledge that but still no one is helping me verify what they are trying to collect. They call the house over and over and I tying talking to them and got cut off after talking to someone who transferred me to fraud so the harassment still conintues.

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 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed an inquiry for XXXX. I do not have any recollection of requesting any credit from XXXX for over two years so disputed it. The original inquiry was dated XXXX/XXXX/2015. On XXXX XXXX, 2015 I received a response to my inquiry. It noted " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. Historical account information was deleted from this account. If you had additional questions about this item please contact : XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, MO XXXX. I did contact XXXX at the above noted address, and my letter was returned as " Not Deliverable '' from the XXXX. It seems quite clear that this is fraudulent otherwise, why would I be directed to a company and address that does not exist. I would kindly request a full investigation of Equifax , it would seem that did not verify this account. I tried to re-dispute this online, but it notes " closed '' and will not let me to do, and when I call the phone number provided by Equifax , it wo n't give me the option to speak to anyone and the phone options are not relevant. I have attached a copy of the letter sent by Equifax directing me to contact XXXX, and the envelope returned by the XXXX XXXX showing no such address exists. I would like Equifax to remove the inquiry permanently from my record. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Through our recent experience, Citi Bank Credit Services has not followed the requirements of the Credit Card Act of XXXX. 

-Citi Bank put our XXXX payment, after a mere 2 days late ( more information below ) immediately into default mode with a penalty APR of 29.99 %. They did not respect the 30 day window the law grants us to make a late payment without APR increase. 
-In their notice to us ( which was embedded on page XXXX of our statement ), they do not clearly state when the penalty APR will be lifted. The law requires that our account is reviewed within 6 months and that this be stated on the notice. 
-They also did not inform us that we were legally permitted to cancel the account, maintaining the original APR within 45 days. 
-They are using our payments towards the lower APR first, where the law requires them to use our payments towards the the higher APR first. 

Additional Information : In XXXX, we were 5 days late paying our bill as we were out of the country without internet. We paid immediately upon our return and contacted the company on XXXX XXXX to confirm there were no issues with our late payment. They waived the fee and said there were no repercussions of our actions. However, as of XXXX XXXX, our APR increased to the penalty APR of 29.99 %, effective on our XXXX bill. We have called multiple times to discuss this issue, with no success.

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 2016-05-27 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is a complaint against Bloomingdale 's Credit Card and Bloomingdale 's Credit Card ( American Express ). The motive of this complaint is because I have both of the credit cards blocked for about 2 to XXXX weeks. I have a high frustration for the personnel that functions these credit cards. Every time I buy something in the store, I have to keep calling the Department of Fraud to keep verifying my identity. I can understand that it would happen a couple times by error, but it has happened 10 times. I am insanely mad with the waste of my time and credit because of the frustration of this situation. What else do they need? They keep calling and I have to keep verifying my identity every time. They send me messages with codes, I give them codes and this keeps going on. I ask them, how far will this go? I ca n't do anything or check anything because of the constant blockage. 10 days ago I had bought a large amount of items and when I went to pay the account was blocked once again, and once again I had to do the whole process over again. But this is the limit that I 'm going to take with my patience. This department of fraud says that I have to receive a letter and follow those steps to get my account to normal. They told me that I had an account for Macy 's and it was opened by fraud, which is true because I was a victim of identity theft but this problem was resolved with the Department of Fraud of Macy 's. And everything was resolved through that department and Consumer Financial Protection Bureau. I am tired of the lack of respect with so many verification that I have to do.

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 2016-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Hello, I opened a Citi Gold Checking account XX/XX/2015 per the terms of the XXXX XXXX XXXX XXXX miles promotion. XXXX code : XXXX. I have yet to received the miles posted to my account and it is well past the deadline. Citi bank is being unresponsive. 

In XX/XX/XXXX, I had completed the requirements of the promotion. In XX/XX/XXXX, after not receiving my miles, I reached out to Citibank via phone to see why I had n't received my points. They confirmed that I had met all of the requirements of the promotion and should receive my miles within 30 days. 

In XX/XX/XXXX, I had not received my points so I called again and they said that I needed to complete a XXXX in order to receive the miles. They mailed me one and I immediately filled it out and returned. 

In XX/XX/XXXX, I still had not received my points so I call again and requested to speak with a supervisor. The supervisor confirmed that I had completed the requirements of the promotion but that they needed my XXXX XXXX Advantage #. I provided the number and they stated that I would receive the miles within 30 days. 

In XX/XX/XXXX I received an email stating that Citi had closed my account without permission and I still had not received my miles. 

I feel that I have been scammed by Citi because I completed all of the necessary requirement and had that confirmed by multiple people at Citi, yet they have not followed through on their end of the deal. Then, they have closed my account, I suspect in an attempt to not have to give me my miles. I have spent several hours on the phone and on secure messager over this issue. I am simply requesting that Citi deposit the promised XXXX XXXX XXXX miles into my account. 

Thank 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 non-monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have continously tried to contact this company to no avail, I very no knowledge of this debt and I would like it removed from my credit report. The credit bureau keeps responding verified but can not seem to show me how they verified this account belongs 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 2016-12-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I 've been a Citi Thank you card member for 6 years. Over the years I rarely used the card due to many inconveniences with my online account and poor rewards program. I called Citi Cards back in XX/XX/XXXX attempting to give Citi another chance by converting my card to the XXXX card. I called in XX/XX/XXXX to get a status on the conversion and the agent told me the conversion took 45 days or so. Today is XX/XX/XXXX and I was told by Citi Customer service that there had been some sort of delay with no expectation on when the conversion was going to happen. The agent did not care for my frustration nor attempt to make things right. Both agents I spoke with seem flustered and not confident in their ability. Out of frustration I decided to close the card but I really thought they could give me a more positive response.

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