vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Holloway Credit Solutions
State: NC

Complaint narrative:
Continuous attempts to collect an unverified debt.

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 2015-04-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was wrongly charged for purchases I did not make. My credit card number was stolen and was used to make purchases in Utah.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for the Citi Simplicity card with 0 % interest for 21 months as I needed a new roof. I was sent a credit card and XXXX checks with a credit line of {$18000.00}. My roofer does not accept credit cards so I called Citi and was told by agent that I could write out the check to myself and deposit into my checking account, then pay the roofer in installments as I wish or do whatever I wanted with the money. I find out after I took their advice and deposited into my checking account the check bounced back. Their explanation was I did not leave enough room in the check for the transfer balance fee of {$540.00}. I had no idea that after following their instructions I was making a balance transfer. In essence I was making a deposit in my checking account, not transferring money from XXXX place to another. Representative insisted that was a balance transfer. I feel that was misguided and I was given wrong information on what to do with the check. I realize there are transfer fees when maybe transferring a credit card bill or other expense to another card, but I did not do that. I simply made a deposit as instructed. Now my bank account has a negative balance and I can not use my account on a holiday weekend until the bank gets back the check and releases my funds. My complaint is that nowhere on the check did it say this check was a balance transfer, in the paperwork it stated fees applied if I used this credit line as a balance transfer. I now find out from Citi that whether I use the check or the card thee is a balance transfer fee. Therefore false advertising of XXXX % for XXXX months is a mere smokescreen as to we charge you in other ways. More importantly, I followed the advice of the representative of Citi named XXXX who guided me to deposit the check and pay contractors with my own checks. I feel I am wrongly charged the {$540.00}, and I dispute that charge on the grounds of unclear wording and misguided advice. Also to misleading the consumer and leaving out XXXX important warning that if I did deposit it into my own checking account there would be a fee. I would never have done that had I known! I am asking for your guidance in this matter and I would like the public to know to be careful when using this service from Citi Bank without finding out what hidden fees XXXX apply, or any fees for that matter. I am a widow on a limited income, which is why I applied for this so I could stretch the payments over XXXX months. Unfortunately it was raining inside my house so I was forced to get a new roof, I totally could not afford 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 2016-01-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX I requested a full refund of {$440.00} from Best Buy for a two year renewal protection plan I purchased on XXXX that was unilaterally cancelled by Best Buy on XXXX ( four days before it was to begin ). Best Buy said Id be emailed an answer to my request in five to seven business days ( Reference XXXX ). Today is the XXXX business day and I did not get the answer I was promised, which is not surprising when you consider the following : *I purchased a laptop two year protection plan ( maintenance, accidental damage and XXXX Tech Support with XXXX ) on XXXX for {$300.00}. 
*I renewed the two year protection plan on XXXX for {$440.00} ( XXXX to XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
This complaint is to blow a little steam and open the CFPB 's eyes to CitiMortgage and their CB reporting. And perhaps CitiMortgage will take a deeper dive into their own CB reporting - perhaps look through the XXXX? 

For some reason, CitiMortgage has been sending the Consumer Reporting Agencies a XXXX, which has been removing the tradeline from the scoring algorithm calculated by XXXX. I 've NEVER once submitted a Direct Dispute, so no Compliance Condition Code should be on the loan. Compliance Condition Codes are only supposed to be used when a customer submits a Direct. Even if your practice is to place a CCC on a loan with an XXXX - I 've never once submitted an XXXX either. After calling in to CitiMortgage, I think they 've removed it, but would like this double checked. 

Secondly, XXXX has my employer listed as CitiMortgage as well. WHAT? I do n't work at CitiMortgage. I have n't checked my other bureaus yet, but I 'm sure they have the same info. My thought process is that, for some odd reason, CitiMortgage is submitting an XXXX segment advising that I work there. I 've disputed this with XXXX, but as previously stated I have not checked the other bureaus and would like you to verify and make sure you are not reporting this out month over month. 

One more XXXX to pic. I 've had nothing but problems with your company since I 've taken out the mortgage. Every year, my Escrow shortage payment gets messed up, and every year, I have to call in and get that fixed. That 's probably how the XXXX was placed on my loan, or perhaps it was last year 's CFPB complaint that prompted you to place it on there, but ... I was told that you wo n't remove the escrow and just let me pay my taxes as they come in. XXXX forbid. 

P.S. I manage CB Reporting/Disputes at a financial company - so I know what I am talking about. And I know that the CRA 's mess up a lot. It 's possible that the CRA 's botched the data on their end. However, in all probability it 's CitiMortgage who is furnishing inaccurate information.

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 2015-08-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
i called and made a {$1600.00} payment on my best buy credit card and the representative misrepresented the terms of the payment. I told the rep i would be calling back to pay the account off in a few months the rep told me i should n't have a payment for a few months because i had paid such a large amount. The {$1600.00} dollar payment was made on XX/XX/2015, i called on XX/XX/XXXX to make a payment only to find out that my account was past due by almost XXXX days since the big payment was made in XX/XX/XXXX. This is a huge issue because I 'm in the process of buying a home and i am XXXX days out from closing on it the main reason why i paid such a large amount on the account is because it was suggested to help with my credit score now i have a 30 day passed due. I would not have ignored a XXXX $ bill after paying such a large amount. I have made several attempts to explain the situation and get it rectified through BestBuy the creditor with no progress made. This is costing me a great financial hardship I 'm in the process of loosing XXXX in ernest money and potentially the home purchase all together. Account number is as follows XXXX it is handled through a Citi Bank. What i would like is a deletion from my credit or removed all together if possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I had a contract with XXXX advertising for my XXXX career. I cancelled the contract and followed the contract to the letter. Supervisors and everyone at Citibank that I had spoken with agreed that I followed the contract. However, they stated since XXXX 2016 that they are still reviewing my case after XXXX only gave me a partial refund. They shorted me some XXXX+ dollars. I continue to ask the dispute supervisors at CITIBANK that since they agree that I followed the contract, why was my money being held captive. They stated something to the fact that they have to wait to hear from XXXX about refunding my money. This is unacceptable and I have been charged interest fees and more.

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 2016-08-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
For the last several days, I have been trying to pay my credit card account with Citibank. Each time I call, I am rerouted to a person or a voicemail that tells me that has blocked my payment. I have also requested an email so that I can correspond with Citibank, but none has been provided to me. 
I am concerned that Citibank is not allowing me to pay as I regularly do, so that it can seem like I am not making any good faith payments and so that it can appear that I am not paying anything on my account. 
I have reached out to Citibank several times to resolve my account and to formulate a payment plan. 
Additionally, recently, I reached out to Citibank as they stated that they wanted to work with me and offer a Hardship Program. The question from the Citibank representative was, " How much could I afford to pay each month? '' When I told him the amount, he counter offered an amount at double what I said I could afford to pay. I was completely baffled as to why the question would be posed to me and then completely ignored. 
I would like to get my account in good standing with Citibank and pay a reasonable amount that is affordable. I offered to pay XXXX per month. 
I hope that Citibank is not being retaliatory in any way since I reached out to The Financial Protection Bureau. It is my hope that Citibank will work with me, as I am doing my best to pay what I owe and as a first time request, re age my account.

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 2016-12-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citibank charged me a {$450.00} fee for an annual fee. I sent a note to cancel the account via mail response. I was still contacted about owing the fee in XX/XX/2016. I cancelled the account at that time and was told the fee was removed. The credit card fee offers airport lounge access that I utilized for the initial {$450.00} fee but chose not to utilize again in 2016. I have not used the lounge access again in XX/XX/2016 since XX/XX/XXXX. And then I was told in XX/XX/XXXX that there would be no issue cancelling the charge due to lack of usage and desire not to move forward with the card. However, I was contacted this week numerous times by Citibank to be told that I still owe the full {$450.00} fee even though the card was cancelled only XXXX months after the charge was filed and Citibank originally told me the fee would be waived due to lack of usage and desire to utilize their service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My home was flooded on XX/XX/2016. i can not live in house, no toilets etc. I contacted Citi Mortgage, and ask for extension, these people have only harnessed me with letters.

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: Transaction issue — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was sold blinds by a representative that came to my home and offered financing through my macy credit card. The service is Macy 's XXXX. After several weeks of having this order on my credit card - and the rep telling me that they had a problem getting an installer out - the blinds were installed. The installer claimed he was " afraid '' to get on the ledge ( XXXX story vaulted ceiling ) which was XXXX apparent to him and the sales rep when they sold the blinds. He poked a hole in the ledge while he attempted to install them hanging from a ladder with no assistance. I complained about the hole and sent photo within 24 hrs. It took several weeks and the SAME installer came out - claimed he was waiting to install until he could find someone to help but never did. This took multiple phone calls to get to this point, all the while - the sales rep REFUSED to give me the name or contact of her direct supervisor. She just kept citing " customer service '' would be in touch. The blinds were over {$1000.00}. and it appears the replacement set was cut incorrectly as they are " short '' about XXXX inch. I have been sent to the original manufacturer of the blinds - " XXXX XXXX '' who acknowledged after being sent a photo of the replacement blinds that in fact - they did appear to be short and was offered {$75.00}. credit to go away. I refused citing I wanted the blinds that I paid for and she committed to have someone out within 3 days to see if there was anything that could be " done ''. I have called, emailed with NO RESPONSE. This was nearly 3 weeks ago. I feel that I was frauded as there was no disclosure that I would be dealing with a 3rd party company AND no disclosure there were issues with having someone to install. XXXX cites to me - they merely do not have anyone in my area to resolve this issue. The closest installer is XXXX miles away. This has been going on since when I placed the order in XXXX. I am contemplating a lawsuit as well - I want my money returned and off of my Macy 's charge as I am paying 25 % interest on this.

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 2015-04-23 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
A merchant made a fraudulent charge on my Sears MasterCard ( Citibank ) in XXXX 2014. I tried for several months to resolve the issue directly with the merchant. I had continued with these attempts, as the merchant acknowledged the error verbally and led me to believe I would be reimbursed. Ultimately, they did not follow through with their promise. I then contacted my credit card company by writing a dispute. Upon receiving their response stating I had not contacted them in a timely manner, I contacted the credit card company by phone to understand why they were not taking further action. I was told that my contact with them fell just outside of their policy for reporting billing errors by a matter of a few days, therefore they would not be taking further action. It was recommended that I submit a complaint through the Better Business Bureau and a XXXX other suggestions for recourse were provided. I have since submitted my complaint to he BBB, with so far no response by the merchant. I have also submitted a XXXX plea to the credit card company through secure mail within my online account. They replied letting me know they have no recourse to recover my funds outside of 60 days. I have been a cardholder with them for 18 years with no other transaction disputes. I am asking for their assistance with resolving the fraudulent charge made to my card and associated interest charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-22 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 responded to a Citibank promotion that offered {$400.00} for opening a new checking account. I completed the requirements and should have received the bonus by XX/XX/2016. I have contacted Citibank numerous times but am told each time that this is being investigated. A google search finds numerous others with the same complaint against 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 2015-10-13 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
XX/XX/XXXX I made a purchase for about {$300.00} using PayPal account I had for a few years. A year before that I cancelled by phone the PayLater account I also used with PayPal previously because I did n't want the automatic PayPal charges to that account that started to happen. At that time, on the website I also made sure that my PayPal account is linked with a bank checking account and XXXX of my credit cards that I wanted to use as paying sources. It stated in PayPal instructions that linked accounts are used by default. I use PayPal infrequently but for a few purchases after that I verified that charges were indeed correctly billed on my indicated personal credit card. The purchases in XX/XX/XXXX, however, were charged to a " PayPal Credit '' which I did n't know about and never signed for. I only learned that from PayPal email that stated I owed PayPal Credit {$50.00} in interest. I made several calls to PayPal explaining how I was ignorant of this change in my account, did n't authorize it, and counted on this large purchase to be payed off from my linked personal credit card so I obtained the miles and other advantages. I asked to be allowed to pay this debt to PayPal using my credit card but this was refused by the technician and his supervisor because, I was told, PayPal Credit accepts bank checks only. If I do n't pay as directed, my credit rating will suffer, I was told. I asked that the PayPal Credit card ( with a credit of {$2000.00} ) be immediately closed. PayPal complied with this but will not let me pay off the debt with my linked credit card and has now charged {$100.00} in interest. I would like to know how to proceed with PayPal regarding such ruthless disregard of a costumer and their unauthorized pushing of an unwanted credit card. Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have a citicard CBNA balance on my credit report of {$4200.00}. I have no idea what this is. I had a citicard XXXX card but the balance was paid off in full last year. I need this removed from my credit report!!

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 2016-05-18 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 checking account on XXXX/XXXX/15 with an offer stating I would receive XXXX XXXX XXXX AAdvantage miles after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX AAdvantage miles to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fee of {$30.00}. Now, after opening the account with the promotion, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify for the offer. Now I have {$30.00} of fees and I will not be receiving the airline miles. I 'm not alone. XXXX of people are in the same situation as me. I 've done google searches 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 non-monetary relief
Consumer complaint received 2016-01-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
THERE WAS A FRAUDULENT PURCHASE MADE ON MY MACY 'S STORE CARD XX/XX/2015. CALLED COMPANY, INVESTIGATION WAS MADE AND THE FEES WERE SUPPOSED TO BE REMOVED, TOTALING A BALANCE OF {$0.00}. I REQUESTED CLOSURE OF THE ACCOUNT IN XXXX 2015. 

MY FIRST PHONE CALL TO THE COMPANY WAS IN XX/XX/XXXX, TO CLOSE THE ACCOUNT AND START AN INVESTIGATION. THEN I CALLED IN XX/XX/XXXX, BECAUSE THE REQUEST IN XX/XX/XXXX WAS NEVER DONE. TRIED AGAIN IN XX/XX/XXXX, TO FIND OUT THAT MY OLD ACCOUNT WAS CLOSED AND MACY 'S SIGNED ME UP FOR A NEW ACCOUNT. AND MY LAST CALL WAS IN XX/XX/XXXX, WAS NOTIFIED THAT MY NEW ACCOUNT WAS ACCRUING THE LATE FEES FROM THE OLD FRAUDULENT ACCOUNT. I SENT THE COMPANY XXXX EMAILS, WITH NO RESPONSE. AND I AM STILL RECEIVING EMAILS THAT I NEED TO MAKE PAYMENTS ON THE NEW ACCOUNT, THAT I ASKED THEM TO CLOSE IN XX/XX/XXXX.

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