vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit card at Costco was switched from XXXX XXXX to Citibank. I did not receive any notice in the change of credit terms. 

After the first cycle with Citibank, my minimum payment went from {$450.00}, to over {$3900.00}. I had put no additional charges on the card. Citibank explains that they require immediate payment of all sums over the credit limit ( which XXXX XXXX did not ). I have objected to the change in credit terms, within 30 days of the transition, but Citibank did not close my account or correct the required minimum 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 explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: VI

Complaint narrative:
The company refuses to send me a statement or at least give me access to my online account. They claim that since my account is " inactive '' ( meaning closed, i have n't used this credit card in years ) I am unable to view my information. I am STILL paying for this low-limit credit card from 2009 ( 28 % interest ) and I have a right to see what my balance and payment history is. They told me I just need to " call them '' any time I need to know something. Ive called twice and spoken to several people. They keep telling me that in order to help me they need my credit card number, however, I no longer HAVE the number because I no longer have the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I applied for a conventional mortgage with Citibank to purchase a secondary residence costing XXXX XXXX I had liquid assets of XXXX that amount credit scores of XXXX a D/I of less than 20 % and current annual income of close to XXXX. My job was going away within 60 days with a written document payout of XXXX my annual base and 3 years deferred comp totaling XXXX the cost of the home and I was declined because I could not show I yet had a new job. I 'm starting my own business. I was told to pay cash I am also an XXXX male

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
3 years ago I bought my house. I paid for a whole-house inspection and roof inspection and the seller increased the price by {$3000.00}. For the last several months, I 've experienced mold issues. There 's XXXX mold in the add-on room in the garage and it 's made its way up the wall into my shower. XXXX is performing mold remediation and mitigation. There 's a leak in the roof of the add-on room. There is no proper water drainage and the water just sits on top of the roof. The add-on room was poorly constructed and is not fit for water drainage. A claim has been made with my home insurance. I now have a {$1000.00} deductible and still need to get the leak fixed. My complaint is with the seller who took the time to ensure my home was painted throughout the interior of the house, as well as the exterior with a single coating of the cheapest paint he could find, covering damages and not ensuring there 's a proper permit for the add-on room as well as laughing at me and telling me to " prove it '' when I contacted him and informed him of the mold situation, advising that it is his responsibility. This seller also works with XXXX XXXX XXXX. I 'm in need of help, as I am on a very fixed income and can not afford the repairs or deductible and I seek justice. I was sick for 8 weeks and still worry for my health and wellbeing. I an seeking financial recourse from my mortgage lender, Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi bank had promotion of XXXX $ if I met certain criterias which I did even their rep cinfirmed it to me ( I even recorded it in my phone ) After a while I receive email that I did n't meet criteria! Not cool, obviously fraud by Citi bank! Talked to manager and just sorry.

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 2015-09-16 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Account # 's XXXX, XXXX, XXXX, and XXXXMidland Funding is reporting inaccurate information on my credit reports. I submitted a direct dispute in compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4 to Midland Funding with supporting documentation and did not receive any response that addressed my concern, about the frivolous and inaccurate reporting of these debt collection accounts. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor, FDCPA 803 ( 4 ). Midland Funding is not my Creditor. I attached copies of credit reports directly from the Consumer Reporting Agency to substantiate where Midland did insert multiple credit to trade lines into my credit reports. This reporting is intentional and erroneous and serves to further damage my credit by providing false information. 

Midland - can not extend credit - and CAN NOT be a RETAIL credit grantor. These accounts are inserted into my credit record, as a Credit Grantor - and should not be. 

Midland 's blatant disregard for the FDCPA is intentional and should not be allowed. This is not a one-time instance however but a continuing practice of Midland Funding to systematically oppress those already disenfranchised. 
Midland is in violation of FDCPA 807. False or misleading representations [ 15 USC 1692e ; A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Knowingly reporting information as a creditor is a misrepresentation. 

Midland places the blame on the XXXX XXXX file that they send to the Consumer Reporting Agencies, however the Credit Reporting agencies confirmed after an investigation that it is in fact the information that is transmitted to them from the debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been receiving credit card offers for the past couple of years through Citibank. Every time that I apply for a credit card, my application gets rejected. It is very frustrating to receive credit card offers every month and after applying at least three times, I continue to have my application rejected. I have sufficient funds in the bank and I have great credit. I work a full-time job as well. Thus, I believe that those are good enough reasons as to why I should qualify for a credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
My account is current and One Main Financial continues to call and harass me. The say that I am lying about my payment about how often they call. And today I went to the local office after yet another call from them. And they told me that I did not pay enough to get my account current and made me pay another {$12.00} after they had already taken {$150.00} out of my account on the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a CitiGold bank account with Citibank on XXXX XXXX 2016 under a promotional code which offered XXXX ThankYou Points after I opened an account before XXXX XXXX 2016 and used Citibank 's bill pay system " during a calendar month and during the following calendar month '' per the message I received from XXXX XXXX on XXXX XXXX 2016 ( reference number XXXX ). I paid my XXXX credit card in XXXX and XXXX, so all requirements were met to satisfy the promotion. 
I sent a secure message on XXXX XXXX 2016 to verify all obligations had been met. XXXX XXXX XXXX confirmed all requirements had been met, via reference number XXXX. In the message from XXXX XXXX, I was promised XXXX ThankYou points would be received by XXXX XXXX 2016. I have not received the points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I did not have enough in my bank account to cover my ACH {$97.00} insurance payment. The next day, before noon, I noticed, and transferred money from my savings to my checking, and I was in the positive. I thought I had caught it before any NSF fees could be levied ( I had never opted in to overdraft protection ). But, the ACH amount was credited back to my account and a {$34.00} NSF fee levied. I did not see this charge until the next day, otherwise I would have transferred more. Later that day, I was charged a monthly fee ( which can be anywhere between XXXX or {$12.00}, which is confusing to me ), which put me overdrawn again. I transferred another {$100.00}. Now I see I have XXXX overdraft fees, for a total of {$68.00} in overdraft fees and {$34.00} in NSF fees. I 'm confused. I thought overdraft was opt in, and NSF was a fee when the bank decides not to pay? I am trying to close this account anyway due to some very suspicious things like this, and I have been fearing that something fishy would happen, like them saying it was closed but it was n't and then charged a fee to keep it open in the red. I 'm confused, because I know the bank had sent me a packet with new terms ( I 've had this bank 9 years ), but I thought I had to explicitly opt in? 
Which is it? Am I able to be charged both NSF and overdraft on XXXX transaction? Do n't they mean the same? This is n't the XXXX fishy thing that 's ever happened. XXXX they decided, all of a sudden XXXX month with no notice, to start charging {$11.00}, then {$13.00}, then {$12.00} ( in consecutive months ) on my savings account, with no notice or packet outlining changes in terms or anything. I called and complained and they said " Oh we did an audit and you 're supposed to be paying {$10.00} for the savings account ''. I then asked why they charged me XXXX different amounts, none of which were {$10.00}, and why they decided 7 years later I 'm supposed to be paying some fee I had n't heard of. The lady did n't even have an answer. She just reversed the charges, and I got no explanation as to why the charges just started appearing. I had to do that XXXX, and I still have no answer besides " an audit ''. Another time, they shifted the order of my transactions ; my biggest transaction was on Monday, and XXXX smaller XXXX on previous Friday. They processed the bigger later XXXX and levied a fee on each of the XXXX smaller ones, and I paid it, but did not remember until later that I did not opt in. They even told me over the phone they decided to change the order of processing. I was shocked, but I just let it go and decided to be more careful. My bank is Citibank. I 'm leaving them shortly because I 'm tired of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a loan with a loan company named One Main Financial. I have been paying this loan for about 3 years, since the interest rate is so high I am only reaching the halfway point of the loan amount. I want to do a balance transfer to lower my interest rate so I can pay the loan off faster ; however, when I called the loan company to complete the balance transfer they did not allow me to complete it. I believe that they are not allowing me to complete the balance transfer so they can keep me at high interest rate. I have paid them about XXXX in the time since I got the loan. The amount I already have paid is more than what the original amount of the loan was, and i still have a balance of over {$1600.00}, and my current interest rate is not printed on my monthly statement. I feel this company is being unethical because i am trying to help my situation to get out of out debt by lowering my interest rate and they do not allow me to a credit card balance transfer that would allow me to pay it at a 0 % interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My bank account was seized on XXXX/XXXX/XXXX by XXXX XXXX XXXX. My joint accounts with my children were also seized, the have nothing to do with this debt. In total, XXXX accounts were seized, whereas only XXXX is mine. My children are not named in the court documents, only my bank. Where they got that information I do not know. I certainly never gave it to them. I received no certified or registered letter of court documents, and when I contacted XXXX XXXX those documents miraculously showed up on XXXX XXXX, XXXX, 6 months after the court date, and after my account was already seized. It has now been 70 days, and XXXX has still not released the hold They took all of my and my families money, which was n't that much to start out with. This has caused much hardship. There are fees included in my court documents that are frivolous. No XXXX served me with papers, yet there is a fee of XXXX for that. Miraculously, the XXXX office also sent a document in late XXXX XXXX, I feel to cover themselves, and once again well after the fact. This is unacceptable, and has devastated me and my 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 2016-09-22 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I filed a dispute with PayPal on XXXX/XXXX/2016, which Paypal closed on XXXX/XXXX/2016 without communicating with me or investigating on my behalf the fact that a seller with Paypal defrauded me out of {$2600.00}. Per Paypal Dispute Resolution policy, I filed a request for Arbitration on XXXX XXXX, 2016, and I sent it by Certified Mail per Paypal policy, and I have the mailing receipt. Paypal has not responded to my request for arbitration and has ignored my repeated requests to have this matter presented to arbitration, despite Paypals 's policy regarding the consumer 's right to arbitration. Most recently, Paypal continues to claim, in written correspondence to me, that they have not received my request for arbitration, even though I have a certified mailing receipt that XXXX was mailed to the PayPal/Bill me Later, XXXX. XXXX, XXXX XXXX, CA, Litigation Dept. address. 
Please assist in this matter as Paypal is not following it 's own policy regarding the consumer 's right to request arbitration and their advertised consumer protection policies regarding Paypal 's Consumer Purchase Protection Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Well i checked my credit score and noticed anew XXXX from citicard cbna we have no idea what this is we have not opened any acounts with citicards cbna, please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I Was sent several mailers as well as emails informing me of a sign up bonus of XXXX XXXX XXXX XXXX when i applied for a credit card with citibank. I applied for this card, was approved, Met the terms of their offer, and now they are refusing to give me the sign up bonus, based on some internal policy which is not transparent to the consumer, as well as using targeted advertising to me specifically. If i was not eligible for the offer they presented to me, they should have not presented me with the offer.

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: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2016 my computer was not working properly and soon afterwards I got a text message from XXXX ( XXXX ). They informed me my computer was hacked and they convinced me to dowload some software that amounted to {$1100.00}. I gave credit card info over phone and they downloaded the software. XXXX month later on XX/XX/XXXX same outfit texted me again and informed me my computer was hacked but this time they wanted me to pay {$2000.00} using checking account ... they asked me for check number. I immediately hung up and it dawned on me that above outfit is XXXX who hacked my computer and wanted to charge me again to download software ... .thus an online computer repair scam! I called CITI and told them what happened and they promptly credited my account {$1100.00}. They informed me and investigation would ensue and I would be recieving paperwork in mail. Several weeks later I recieved paperwork and filled it out completely and sent it back to CITI. In letters to me in XX/XX/XXXX ... CITI informed me that trasnsaction was legal and the {$1100.00} would be credited back to scam outfit AUROPCSUPPORT. XXXX things here XXXX. ) This is case of online scam that I clearly was a victim of. XXXX. ) This was NOT a case of someone fraudulently using my credit card via stolen from me ... ..I was in fact scamed into giving that info over phone which was in fact done fraudulently ... .something I informed CITI when I called them on XX/XX/XXXX I surprised that CITI credited back {$1100.00} to a SCAM OUTFIT after telling them thouroughly what happend. As though it was legal given that I gave info over phone which is not the issue here ... ..I was in fact SCAMED via clever tactics on part of XXXX. I have since learned other things of this outfit and it is posted online that this outfit a ) has a trust rating of 30 % b. ) owner is hiding identity XXXX ) malware has been detected on site .... go to googe and put in ... 'review of auropcsupport.com ' and see for yourself. 
I have called CITI fraud Dept XXXX times of this and they told me someone would call me back ... .they HAVE NOT even bothered to call me back after XXXX phone call to them! 
I sent images of documents link of what I found online after putting in 'review of auropcsupport ' on google ... they might be a unreadable but will submit these and others about this case either via mail or fax just so you know.

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 2017-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
We 've been working w CITI Mortg. since XX/XX/2016. All requests have been submitted 1-3 times. Rcvd letter documents complete XX/XX/2016 review by XX/XX/2016. Accused of no reply to messages but not rcvd from CITI or XXXX coach when requesting outcome from XXXX on XX/XX/2016. Now they are requesting from the beginning again to re-open proceedings for refi. With CITI NO Dept. is synced with the next. XXXX is not synced with CITI at all times. Harassment of late payments when current. XXXX bank XXXX can confirm this. Both my husband and I called CITI to get date changed ( according to SSI and Pension ) ... they refused but agreed to stop late charges within the 30 day grace. This has not stopped either. I have documented all ... we went to an independent financial counseling service during this in XXXX thru XXXX All documents sent to CITI also was cc to counselor. At that time it most have been noted by CITI and requests slowed and stopped with letter XX/XX/2016 as mentioned ALL DOCUMENTS RECEIVED. XX/XX/2016 XXXX requested more documents ... not done as XX/XX/2016 close to 30 pages of requests scanned an emailed of which many were for the second and third time. Foreclosure threat started in XXXX and Bankruptcy in XXXX and 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 2016-07-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Credit card company double charged me for a statement and is not responding to calls. Called them every day for 5 days straight. Everytime, I 'm on hold for up to 1 hr. 

Also, website does not provide any way to learn how to cancel the credit card. Their product is predatory.

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