vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-09 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Home Depot Credit Services, as managed by Citibank, deliberately does n't contact customers appropriately when charging them exorbitant finance charges. 

Home Depot / Citibank charged me a late fee because my payments were one day late, despite being a loyal customer who has paid off significant purchases on time. This had a cumulative effect over a few months ; even though I thought my full balance had been paid off, I was hit with almost {$1200.00} in finance fees because late fees extended the payment beyond the promotional balance period. 

As a result, Citi is claiming that I owe them {$1300.00}, which is composed entirely of their finance charge and late fees. My full balance was paid off on time, albeit a single day late. This is clear from the uploaded statements. 

What 's even more interesting about this is : ( 1 ) Home Depot / Citibank have my email address, which they use to send statements, but they never sent me an email indicating that I was being charged late fees. 

( 2 ) Home Depot / Citibank does n't offer an alerting feature, as do most other major banks, so I that I can be notified if I 'm charged a fee or interest. 

( 3 ) Home Depot / Citibank does n't indicate in the statement emails that they send every month that I 've been charged a late fee, as you can see from the copy uploaded. 

( 4 ) Home Depot / Citibank claims to have " tried multiple times to reach me, '' but when I asked why I never received a voice mail, their chat agent informed that they " do n't leave messages '' ( as you can see from the chat transcript that I uploaded ). 

( 5 ) Home Depot / Citibank clearly has my mailing address, but the first notice that I received in the mail was a letter on XXXX XXXX, 2016 ( dated XXXX XXXX ) saying that my account was in past due status. This was the first notice I had of this issue. 

I contacted them to try to reach a reasonable settlement, but they refused to offer any recognition of either the unreasonableness of the finance amount, or of their poor customer communication which is clearly meant to help them to collect finance charges and late fees. 

Given how poorly Home Depot / Citibank handles communications around this and their lack of a reasonable approach to resolving this, I believe that this is action that the CFPB should be aware of and investigate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I refinanced my home loan and CitiMortgage delayedapplying my payment from the date of the transfer on XXXX, 2015 to XXXX XXXX, 2015 on the XXXX mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX I financed a Flat Screen TV through Best Buy for around {$1800.00}. I purchased it on 36 months same as cash promotion. I made all of my payments on time and when I went to make my online payment this month ( XX/XX/XXXX ) my balance increased {$1800.00}. I called the lender, CitiBank to go over this situation. They informed me because I did not payoff the balance of {$610.00} remaining on the loan as of the close of XXXX they added the {$1800.00} to the loan. This is more than the TV cost me 3 years ago. I advised them offered the option of a monthly e-mail payment reminder and I could be eco friendly by paying on line, which I chose. This does not show you when your promotional offer is expiring unless you click the link to the statement, which I rarely did since i would just verify the balances each month based on what I paid the prior month. show you when the promotional offer is up.This is very misleading because unless you click the link, you would never see when the promotional offer is expiring. I offered to payoff the balance and the interest due on the balance and they advised me they would not do this. I spoke with a person named XXXX. He would not give me his last name nor would he give the name, number or let me speak with his supervisor. This is unacceptable. Had they advised me of this on the monthly payment e-mail reminder I receive, I would have paid this off in full. They told me I am responsible for this. I was mislead about the interest being retroactive on the original loan amount nor was I ever advised on their monthly e-mail pay reminder the promotional offer was expiring. I realize this is on the monthly statement but I decided to go green with the payment reminder to be eco friendly and it cost me because unless you click the statement link, you will never see this. I have no problem paying the interest due to my mistake but not on the original loan amount. I truly believe this is a deceptive practice promoted by CitiBank to take advantage of honest people. I am sure this has happened to many others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I lost my job about two months ago and my Macy 's bill was due XXXX/XXXX/16. Today is XXXX/XXXX/16 and a bill collecting agency called me twice today. Once at XXXX XXXX and the other at XXXX XXXX, both times I was at my current place of employment. I have NEVER been late on any of my payments. I did have XXXX slip up on my first payment where me being a teenager I sent them my debit card number instead of my routing number and they returned my payment. After that I personally drive about XXXX-XXXX miles to go pay my Macy 's bill and this is how I get treated after not even a week of being late. FOOLISHNESS! I 've worked 3 weeks in the hole at my new job and my check has n't come in the mail. I ca n't give them money I do not have!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
on or around the XXXX of XXXX, I called Citi bank to discuss some return check fees that was accrued to my account. I have XXXX credit cards with Citi bank and for medical reason I lost two weeks of work and I did not have enough funds in my account when the payment came in. to my surprise, the bank keep trying over and over again to get the money and every single time they tried, they charge me XXXX dollars per time with out me authorizing the transaction. the bank is doing this fraudulent just to charge me return fees and profit themselves with my struggles, putting me in a worst financial crisis. there are XXXX XXXX return checks fee in one month just follow by every other day. I called the bank to discuss this issue but my conversation was fruitless. please, I urge Consumer Financial protection Bureau to thorough investigates Citi bank and refund me a total of {$250.00} dollars charge to my account as fraud. account number are as follow. ending in XXXX the XXXX credit cards belong to 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 2016-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ZENCO COLLECTION, LLC
State: CA

Complaint narrative:
this person XXXX XXXX called my cell phone on XXXX XXXX at XXXX and left a voicemal msg, then proceeded to call my place of employment. I asked him to send everything in writing and to refrain from calling my job. I hung the phone up and he proceeded to call 3-4 times back to back hollering and being verbally abusive.

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 2015-08-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I was hit by a car in XXXX of 2013 and taken way via XXXX. There was a pending ambulance bill that my insurance provider ( XXXX ) was supposed to handle that was not known until months after the incident. I was able to get XXXX on the phone with Fidelity Creditor Service and I thought the pending amount of {$2000.00} was taken care of. What I did n't know was that there was an additional {$570.00} leftover. After two years now, I realize that there is a pending bill to Fidelity of {$900.00}. I was never informed about the balance due. There was no effort on their behalf to contact me. I lived at the address they had on file for a year after the incident and I never received another letter, phone call, or email from them. 

I spoke with XXXX XXXX at Fidelity prior to speaking with XXXX and was never told that the {$900.00} was including the interest on the {$500.00} bill. After back and forth with XXXX and XXXX XXXX XXXX ( where the money was due ) I finally figured out what was due. I told XXXX I was more than happy to pay the original {$500.00}, but he refused. After another XXXX minutes on the phone he spoke with his supervisor who said they would drop the fee to {$800.00}. I reminded him that I was never contacted about this pending bill that has gained interest over 2.5 years. I told him thank you for the offer, but I wanted to speak with his supervisor. 

This is when XXXX XXXX got on the phone. I reexplained to him that I never received a bill for {$580.00} and to charge me interest on a bill over 2.5 years old was preposterous. I asked for his title assuming that there was a supervisor over him. He told me that I was being rude when I asked his title and that he did n't need to give me a reduction. 

I have never been delinquent on a bill ( happy to provide a credit report ). The fact of the matter is that Fidelity let this bill gain interest over years and years until it was noticed by chance leaving me to suffer the consequence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank recently closed my credit card account. In doing so, they took XXXX " Thank You Points '' worth approximately {$1300.00}. I have been a Citi Credit Card holder for over 10 years and I have never had a late payment or missed payment. I have an excellent credit rating.They gave me no warning that they were going to close my credit account or take my points. After closing my account, I contacted Citi Bank and they told me they could close my account and take my points at any time for any reason. They will not give me a reason for doing this. I want my points back. They tell the customers that they " earn '' Thank You points through purchases. Since I earned the points, how can they take them for no reason? I suspect this practice by Citi Bank has been used on several unsuspecting customers who have accrued several Thank You Points. Perhaps a Class Action Law Suit is needed. I see no reason for them closing my account other than to simply take my Thank You Points which I had earned.

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 2016-02-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
In XX/XX/XXXX, a checked was bounced on me which caused my bank to bounce a check to Citicorp for payment on my credit card. I let them know in advance, i wired twice the amount to Citibank to make sure they were covered. 

Subsequently, the next month they withheld posting payment by seven days. I complained, got a supervisor on the phone and she affirmed that the delayed posting would not happen again. 

This month I sent {$500.00} ahead of schedule on XX/XX/XXXX and as of XX/XX/XXXX it has yet to be posted to the account. Citibank says they are having to confirm the account, even though it is a different account. I have no idea how much they are charging me for extra fees related to the delay time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received ( promotion XXXX ). The promotion promised an award of XXXX XXXX XXXX miles upon completion of {$1000.00} dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 

I completed all the necessary requirements on XXXX XXXX, 2016. According to the terms and conditions of this offer, the checking account would have to remain open for additional ( 90 ) days after all requirements have been met. Therefore, by XXXX 2016, I should have received XXXX AAdvantage miles in my account. However, no miles to date have been received. I have contacted Citi Bank about this issue and they are now claiming that this promotion was not offered in conjunction with 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 non-monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
i was solicited over the telephone for an at home business opportunity on XX/XX/2016 by a company that called itself ap industries.they proceeded to take XXXX from me.i found out i had been taken.they charged me a total of XXXX on several different cards.i thought for sure citi would help me with this as services were never rendered 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 monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I received a prepaid debit card from XXXX and issued by Citi. The card was loaded with a predetermined amount, and specifically states that you can not reload the card or obtain more funds than are listed on the card. The card now has a negative balance. I contacted Citi by phone to determine how this is possible given their rules and that it really should be impossible for such a thing to happen. They stated that I had tried to make a purchase greater than the amount on the card and that it was approved due to a glitch or lack of a mechanism in place by the merchant to check for available balance. Now, I am told that I may be subject to undisclosed fees or debt collection if I do not submit a money order or cashier 's check to an address provided to me by customer service. I 'm told that I 'll just have to wait to be contacted by the " risk department '' and they ca n't tell me if the debit balance will be turned over to a collection agency or what, if any fees may be applied to the debit balance while I am waiting to receive a request, in writing, that explains how to deal with this matter. I think that the burden here lies with Citi. They should have had a mechanism in place to ensure that a transaction greater than the card balance would have been declined. This is a poor and murky business practice that places undue burden upon the consumer. I would like to be contacted by someone at Citi and to be provided with a written explanation of how to resolve this matter in a timely manner.

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 2016-07-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
This is about a Macy 's Department Stores National Bank card. I changed my address a year ago and they still sent my new card to a previous address. I was unable to register the replacement card online or over the phone. They never sent me a paper-bill for the new credit card until I called to request it. I mailed a letter to them on XXXX XXXX 2016 canceling my account and requesting a final bill. They sent me a monthly statement belatedly and charged me a late fee. In anger, I cancelled my account on XXXX XXXX 2016. On XXXX XXXX, 2016 I called and my account is cancelled but they had no intention of sending a letter to confirm the cancellation until I requested it.

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 2016-11-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
This is in response to an earlier complaint ( Case number : XXXX ) that is still not fully satisfied. Citibank continues to send my mail to the wrong address, despite several phone calls and the previous official complaint. How many times do I have to try to get them to make this one simple change? Further, Citibank seems to be unwilling to explain to me how a person can activate a stolen credit card without my knowledge or permission, as requested in my previous complaint.

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 2016-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX, 2016 Re : Property address XXXX XXXX XXXX XXXX NY. XXXX I would like to file a complaint against CHASE servicer. I have been trying to get help from CHASE SERVICER for my underwater loan. I have complied with all requested documents. Servicer CHASE has issued XXXX modifications ( see attachments ) where they have failed to honored the guidelines of the HAMP-PRA. According to the HAMP-PRA guidelines, SERVICERS MUST evaluate borrowers for mortgage reduction for any mortgage loan that is being considered for HAMP with a current mark-to market LTV ratio greater XXXX %. The property fair market value is {$540000.00} ( see attachment ) CHASE servicer did not act in good faith to reduce the principal amount {$840000.00} Also CHASE SERVICER failed to calculate mortgage payments into a 30 to 40 year period as per the HAMP guidelines. I would have a balloon payment in 20 years from now at the maturity date of my loan of {$530000.00}. I can not afford that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank for XXXX card charged me late fees due to me not paying them before XXXX. I never had a problem paying them via over the phone with their automative phone service. They just recently started charging me late fees. I told them that I am on XXXX time. They told me they did n't care and charged me anyway. They went up on my interest rate every month except for XXXX and XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The day after making my payment in XXXX XXXX XXXX XXXX XXXX Chase began to make unusual actions in the account. On XXXX, XXXX, XXXX, XXXX, XXXX, and on XXXX a series of actions called Payment were performed but they were all at zero, so no effect was experienced. On XXXX the bank made " a payment ''. Not me, them. The took this from suspense. Then on XXXX they removed my XXXX payment to pay back the suspense. I was now 30 days late. On XXXX I made my payment with no knowledge of the above. They took this to pay for XXXX instead of XXXX. I soonreceived a confusing and terrifying chain of paperwork. XXXX, this was as medically damaging as it was confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We have had some medical and legal bills. We have now gotten 4 to 5 house payments behind. I told Chase we were able to pay 2 house payments and they told me via phone they will not accept them, They want all the payments and I do not have that. Also they demand the house payment directly on the first and my pay period is every two weeks on Friday and many time that is not on XX/XX/XXXX. 

I hope you can help meSincerelyXXXX XXXX

Company response to consumer: Closed with explanation