vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My husband died from XXXX almost two years ago. He dealt with everything financial during our 40 plus years marriage. After his death I discovered he opened some accounts in my name. Once such account was a CitiBank Credit card. I diligently disputed all fraudulent accounts under the FCRA with the credit bureaus and filed multiple complaints with the CFPB. Thankfully all the matters were resolved. The CitiBank card in question was removed from my XXXX credit report on XXXX/XXXX/2015. For some unknown reason, Citibank just assigned the same card to XXXX XXXX to collect, who has been attempting to collect the debt. I previously completed and uploaded a Federal Trade Commission Identity Theft Victims ' Complaint and Affidavit, which was signed at the XXXX County ( Maryland ) Police Station located at XXXX XXXX XXXX XXXX XXXX, Maryland 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 2016-09-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FMS Inc.
State: WA

Complaint narrative:
I was told by multicare they had sent my debt to collections where I was contacted by XXXX XXXX XXXX to set up payments of XXXX until debt was paid I have paid that off and when I recently checked my credit report I saw a collection for another amount to a different company that I was n't aware of. Multi care sent my debt to XXXX different collection agencies instead of sending the full balance to the same place which resulted in me having multiple collection debts instead of XXXX and that I could of had the debt paid if it had been sent to XXXX place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened up a CitiGold account in XXXX 2016 with my eligible promotion code to receive XXXX XXXX miles upon meeting the requirements. I got a verbal confirmation over the phone and written confirmation that the code was attached and applied to my opened account. Once I met the requirements, I called and asked for confirmation of meeting the requirements. However, upon this request, I was informed that I was not eligible for this promotion because I was not targeted. However, the promotion code should not have been applied to my account if I was not eligible, and this eligibility was confirmed upon opening the account. I have been back and forth through Secure Message and over the phone with customer service to resolve this issue for the past month and a half. They ask for physical confirmation of my targeted statement, which I did not keep since I had been confirmed upon opening my account that I was eligible. Since then, I have been charged a monthly service fee and continue to be denied my rewards.

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 2016-09-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Late last year I discovered that XXXX XXXX has been reporting a collection account in my name to XXXX, and they have been reporting this collection for several years ( since XX/XX/XXXX ). I did not apply for an account with the original creditor ( Citibank ). I have never held a credit card from them and I have never received any documentation from the original creditor this account was for. I also have never received ANY communication, written or via phone call, from XXXX XXXX to notify this debt was passed to their office. I only became aware of this account when checking my credit report for the first time in several years. 

After becoming aware of the collection account I sent a certified letter to XXXX XXXX on about XXXX XXXX, XXXX requesting that they validate the debt they were reporting to XXXX. 

This letter was returned to me undeliverable. 

Frustrated, I filed a direct dispute online with XXXX, using the reason " This account was fraudulently opened by someone who stole my identity ''. Surprisingly, the dispute came back " verified '' and no change was made regarding this account on my credit report. I now realize that the incorrect " dispute reason '' was probably used, nevertheless I have no previous knowledge of this account so it made sense to me. 

Still frustrated I called XXXX XXXX and asked for their mailing address to send a letter regarding an account. The person on the phone gave me the following address : XXXX XXXX XXXX XXXX, TX XXXX. On XXXX XXXX, XXXX I again mailed them via certified mail requesting validation of this collection account. Again the mailed letter was returned to me undelivered! At this point I feel that something very unscrupulous is going on and this XXXX XXXX company is intentionally making it difficult for consumers like me to exercise my rights by requesting validation of negative information that they have been reporting on me for years. 

Their business practices are unethical at best and appear to be in violation of the Fair Debt Collection Practices Act.

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 2016-10-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ZENCO COLLECTION, LLC
State: PA

Complaint narrative:
I received a voicemail on XXXX/XXXX/XXXX at XXXX from a XXXX XXXX regarding a case # and stated the last XXXX of my social in the voicemail, stating that federal charges will be filed with my county against my social security number if I did not call her back within 24 hours ( She addressed me in the voicemail by the middle, last, and fast name ). I can back XXXX XXXX at XXXX, she advised me that this was n't her case and would have to transfer me to the correct person. After being transferred to a XXXX XXXX XXXX she advised me that the Plaintiff is XXXX who brought out the original company XXXX and a suit would be filled against my social security number for the amount of {$1900.00} from a debt in XXXX. I tried to advised XXXX XXXX that I was no longer liable for this debt due to identity theft from my father which was handled. XXXX XXXX would not allow me to talk and continued to speak over me. XXXX XXXX stated that it did'nt matter and I can still liable. She stated that a letter was sent to me when which I have never received. XXXX XXXX continued to say that the case was found collectable during an audit this year and started threating me with wage garnishment, a XXXX against my social, and a summons being sent to the home or place of employment. XXXX XXXX stated that the case will be filed with my county on XXXX XXXX unless I make a settlement for {$1000.00} by XXXX XXXX or make hardship payments. I asked her what company she worked for. She stated Zenco and kept stating " we are not a mom and pop company '' we will follow through. I told XXXX XXXX I 'm not making any decision without further speaking with my husband. XXXX XXXX stated she would place my case on " administrative hold '' until that day at XXXX or case will be moved upstairs for court filling. XXXX XXXX called me twice on XXXX/XXXX/XXXX at XXXX and XXXX. I responded that her second call and advised XXXX XXXX that there are no pending debts on my credit, XXXX XXXX continued to talk over me again stating I will not see anything because this is not a collects but a federal offense and they have every right. I yelled over XXXX XXXX and stated that if this is such a serious offense why have I never received a single thing from them and why are they refusing to send me anything now. She stated because no participation is needed from me. Out of frustration I hung up the phone after continually being spoken over and told XXXX XXXX that I will be filing a compliant with the CFPB.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I would like to file a claim regarding my Citibank Saving 's promotion. I logged into my account and saw this promotion in XXXX. Then I clicked the link in the promotion to enroll. I also called the phone number provided in the promotion, and sent a secure message to Citi customer team to confirm. Both service representatives confirmed that I successfully enrolled into this promotion, and I should receive the bonus after I completed the requirements. As stated in the terms, this promotion is valid for my existing Citibank Saving account. 

Here are the terms for the promotion offer I enrolled : The cash bonus will be credited to your new or existing Citibank ( R ) Savings Plus Account within 90 calendar days from the date when you completed all offer requirements. To qualify for a cash bonus offer, you must first enroll by clicking " Enroll now '', visiting a branch and asking a Citibank Representative, or by speaking with a Citibank Representative through CitiPhone Banking ( R ) by XXXX/XXXX/16. You must make a minimum deposit of {$25000.00} in new-to-Citibank funds into a new or existing Citibank Savings Plus Account betw een XXXX/XXXX/16 and XXXX/XXXX/16. New -to-Citibank funds are funds that are not currently held at Citibank or an affiliate of Citibank . Cash bonuses are tiered and qualifying deposit amounts range from {$25000.00} up to more than {$250000.00}. The amount of your cash bonus depends upon the amount of your qualifying deposit. The qualifying deposit tiers are : $ XXXX {$49000.00} earns a {$300.00} bonus ; $ XXXX {$99000.00} earns a {$400.00} bonus ; $ XXXX {$240000.00} earns a {$500.00} bonus and {$250000.00} and more earns a {$700.00} bonus. The qualifying deposit must be maintained in the Citibank Savings Plus Account until XXXX/XXXX/16. 

I funded my Citi Saving account with deposit of {$25000.00} in new -to-Citibank money in XXXX and maintained the amount until XXXX, which met the requirements for the {$300.00} bonus in the promotion terms. However, Citibank refuse to give me the bonus stated in the promotion. I contacted Citibank and they conducted a investigation for my case. The result letter of the investigation said that they can not find the promotion in my account. As stated before, I clicked the link in the promotion page to enroll. I also called the phone number provided in the promotion, and sent a secure message to Citi customer team to confirm that I have successfully enrolled into this promotion. I have taken a screenshot of the promotion, and saved all the communications with Citi customer service representatives as my record.

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 2016-09-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
There seems to be some serious data breach that has happened at Citi. I have XXXX Citi credit Card - Citi Master Card and Citi Visa Card ( Costco ). During less than one week - both of my cards has been compromised. Both of them are Chip cards and there is no additional member for these cards. XXXX has been used for transactions in Florida, XXXX and other places. Citi was able to identify the fraudulent activity and issuing me a replacement card. I am working in XXXX XXXX for close to 2 decades now and worked a lot for Credit card, trading and other financial companies. Citi is not ready to accept that there is some data breach happening at their end but there is something very wrong going on - how come XXXX cards both issued by citi are compromised in the same week? It 's inconvenience for me to setup automated bill pay for the new/replacement cards and i might have late fees and other charges also.

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 2016-01-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for and got an Advantage Citibank Platinum Select Credit card. The first time I tried to use it, the transaction was declined. When I called Citibank, they asked for verification information. I gave them all this. They then said they could n't clear the account as they could n't " verify the phone number '' I was calling from. I asked them if I had inadvertently written down the wrong phone number on the application. They assured me that I had not put a different phone number on the application. They simply could n't find it in their database. I completed the transaction with a different card ( XXXX XXXX ). Later that day ( XXXX XXXX, 2016 ) I called to cancel the card. They would not let me cancel it!!! They claim that since they ca n't " verify my phone '', they ca n't cancel the account. I asked them how I could cancel the account, and they hemmed and hawed and could n't provide an answer. I believe they are trying to keep the account open so they can collect the annual fee. They have wasted 2 hours of my time on this matter. I believe they should warn consumers that this is a distinct possibility and the government should consider not letting Citibank issue credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Aspen National Financial, Inc.
State: PA

Complaint narrative:
With the assistance of All Clear they called Aspen National Collection to see why a collection account was placed on my credit file, called at XXXX speaking to XXXX XXXX, attempted to explain an issue that was under court order for my ex to pay since in settlement she received the money to pay he was rude, did not want to discussed and said it was a waste of his time and just hung up. It is a Time Share issue in our joint names and he claimed that only I was responsible and that if I was not making arrangements to pay he did not want his time wasted. All Clear stated to file this complaint since even after getting authorization from me for them to discuss the issue he just hung up on us.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I autopay my Citi credit card online and changed the bank account for them to withdraw the funds. I have an email confirming the new account change, yet the following month, Citi withdrew funds from my previous account, which no longer had any money in it, causing me huge fees and penalties! They refused to accept responsibility for their mistake and want me to pay those fees and penalties. I 've been trying to resolve this dispute for the past few weeks and they keep pointing the finger at my previous bank.

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 2016-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Due to medical state and injury fraud was committed in me and my mothers bank acct leaving me broke there is evidence of multiple multidominal unauthorized transaction taken out of my acct without freeze placed or alerts when I tried to address the issue shortly after bankers failed to review my acct info accurately which left me unable to report t in a timely manner and many attempts to report transactions esulted in the bank manager refusing me service and threatening o call police on me an innocent customer clearly taken advatage of because of my current medical state at the time

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 2016-08-29 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
My bank sent in a check to pay off my card on XXXX XXXX, 2016. Included with the check was the stub from the bottom of my statement that you usually send with payment. The bank then received a notice that the creditor did not know which account to apply the check to and need the account number. I spent several day while working out of town and attending my grandmothers funeral to acquire my account information. I was giving a lot of run around with no solutions. Once I returned home on XXXX XXXX, I began trying to acquire my account number as I had given up while arranging my grandmothers services. The final solution was to request a new credit card with the number on it. Which I believe was deliberately miss filed and I will get to that in a while. In the mean time I continued to receive phone calls that began to become harassing, happening multiple times a day and sometimes calling and hanging up like it was a game. When I ordered the card I was told to wait XXXX to 10 business days. I waited. In the mean time I was still receiving calls. Time after time I asked the rep to check their notes and sometimes explaining the full situation in hopes they would make another note of it and stop calling. That never happened. Finally on XXXX XXXX, I called back after XXXX collection calls that day and asked for my call to be escalated to the highest department possible. There, with the help of my bank the card company was finally able to locate the check which was already cashed and submit a dispute to my account. Today XXXX XXXX I have already received XXXX calls and notified them I will be reporting them. Have quoted the Fair Debt Collection Practice Act, even thought it may not apply to them, but hopefully it helps, and notified them I will be sending a cease communication letter via certified mail. 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 monetary relief
Consumer complaint received 2016-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I signed up for a Citi Gold account online and entered a promotion code where I would receive XXXX Thank You points after completing bill payments in two consecutive months. I received verification during the online application process that I was eligible for the bonus. A few days after applying online, in a follow up phone call while speaking to a Citi representative, the person specifically stated I was eligible for the promotion. This lead me to finalize the application and agree to open this premium account. I 've since completed the requirements to receive the bonus and paid monthly fees associated with the account. A follow up phone call with a representative confirmed that the previously stated requirements were met. However, when the promised points were not added to my account, I again placed a call where a representative and his superior denied my eligibility for the reason being that I already had a different existing non-fee account opened. I believe Citibank is behaving on unethical business practices by not fulfilling their end of a business agreement and purposefully and/or negligently misleading customers.

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 2015-09-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We bought our house in 2005 in benefit of our family. We have XXXX daughters and my older mother living with us. We purchased the home with a big down payment and using our savings to fix it. Due to the economy crisis I lost my job and my wife took over all the responsibilities. I was sick and XXXX. CITIMORTGAGE owned my loan and we asked for help to modify my loan. I was approved for Loan Modification HAMP TPP Trial Program. CITIMORTGAGE told me to continue making my payments without skipping any payments. I continued making my payments every month for about 14 month, but they continued asking for the same documents over and over. Every month I asked them when will I get my final approval and the answer was that We were approved they werejust waiting for another department to finalized the paperwork and they will send my final approval by mail. Aftermore than a year CITIMORTGAGE Transferred of sold my loan to XXXX XXXX without asking me or telling anything about my pending Loan Modification that we were approved. It was until maybe 2 months later when I received a letter from XXXX XXXX saying that they were my new lender. This is a breach of contract. XXXX XXXX said the could not process my payments and I have to start all over again!!!!. XXXX XXXX said that they could not honor my payments because they did not have my file. CITIMORTGAGE intentionally sold the loan to XXXX Bank XXXX now XXXX XXXX did n't want to process the loan modification. and they want to foreclose on my property. this is a totally abuse from BOTH BANKS ITS NOT ACCEPTABLE.

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