vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I opened a Best Buy credit card on XXXX XXXX, XXXX. My payments have been on time every month until XXXX XXXX. The due date was XXXX XXXX and with the excitement of the holidays and being out of town for New Years, I missed the payment. After I paid both the XX/XX/XXXX and XX/XX/XXXX amounts due well before the XX/XX/XXXX due date, I messaged Best Buy via secure messaging through their website requesting a late fee waiver. I was sent a standard response stating the fee could not be waived. I asked a 2nd time and mentioned that most companies strive to treat each customer fairly and on XXXX XXXX, XXXX, my fiancee also opened a Best Buy credit card. She missed 1 payment prior to XX/XX/XXXX so her history with the company at that time was even shorter than mine is now but her late fee was promptly removed upon her request, also sent via secure messaging on the Best Buy website. I let them know that I expect the same courtesy to be extended to my account. These accounts are in no way related so it 's not that we had already received our XXXX waiver per 12 mos. as is the policy for most banks. The 2nd secure message I received from Best Buy was the same response I received the XXXX time, a standardized message that was copied and pasted, again denying my request for a late fee waiver. I did some research on UDAP to see if they were allowed to grant a waiver for XXXX customer and not for another and actually found that the Card Act specifies the XXXX late fee on any credit card account should not exceed {$25.00}. Citi Bank, which finances the Best Buy credit card, is charging {$27.00}. My fiancee also works for a bank and they only charge {$25.00} for the first late fee. So not only is Citi Bank/Best Buy treating customers unfairly when asking for the first late fee waiver but they are also charging more than the {$25.00} standard the Card Act legalized. I would like this looked into in order to see if they are violating both Card Act for charging {$27.00} and UDAP for inflicting monetary harm on more than XXXX persons ( every customer charged {$2.00} more than the legal amount for their first late fee will add up to a lot ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-06 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have held a Macy 's store credit card for 30 years. Earlier in 2015 Macy 's mandated that all cardholders be converted to an XXXX XXXX card. Since that time I have been unable to access my statements on-line or receive e-Bills. But since I had n't used the card in some time I was n't too concerned. On XXXX XXXX, 2015 I used my Macy 's card for a small purchase. I have been anxious to receive the statement so I could pay the bill. I tried again to access the information on-line thru Macy's.com but found myself trapped in an endless circle of error messages. I tried calling XXXX customer service numbers provided XXXX in those messages and on my Macy 's card and XXXX times - despite the phone system confirming their operating hours on a Sunday as XXXX ( and I am in the XXXX ) - their system then asked me to call back during normal business hours ... and hung up on me. Eventually I found a standard Macy 's customer service number and began the odyssey of speaking to XXXX different people ; being forced to repeat the complaint to each person. The last person I spoke to was in their debt collection area - which I did n't understand. I used the card 3 weeks ago, how could it already be late - and how could I know since I was n't receiving any statements thru any method of contact. After a difficult phone call with this last person, who refused to listen to my complaint, insinuated that I had provided incorrect information to Macy 's - which we confirmed they had on-record correctly. The final straw? Being told my account is past due and what are my plans to bring payment up-to-date. After telling XXXX people that I have n't received a statement in months, that I did make a purchase 3 weeks ago and just want to get my account squared away on-line so I could make my payment ... I 'm treated like a person who is evading their debt. It 's all bad enough for any customer but for someone who has been a loyal customer for 30 years ... it 's beyond the pale. The last Macy 's employee I spoke with refused to send me an electronic bill, refused to offer any reasonable solution to the issue of not receiving any kind of statement at all and then demanding payment for a statement I never received. This is grotesque incompetence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XXXX I made a purchase at home depot on my Home depot credit card issued by Citibank. 
I never received a statement for paymen2. IN XXXX I received an email saying my account was past due with a charge of {$60.00}. I knew I had not made a purchase of {$60.00} so I pulled up my account online. It only stated a past due amount of {$60.00} was due. After several days of trying to find what the charge was for, I found the original charge of {$26.00}. By then I had received another email past due notice of {$90.00}. I tried calling citibank but only got an automated system. Finialy I received a call from Citibank. I told them that I wanted to dispute the charge and was given an address to sent request too. By this time I had received an email past due of {$100.00}. Have not heard from my written request.

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 2017-01-05 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX, Client Liaison from Citibank. He called me in XX/XX/XXXX asking me questions re : the closed checking account plus ending in XXXX.The payments to this account with the account number written on them were applied to the closed credit card account. He was interrogating me asking redundant questions saying the accounts were separate and why did I collapse both accounts in my complaint. Yet he " never '' addressed my question as to how the checking account payments were applied to the credit card. 

In his letter XXXX reiterated a statement by another client lisison a XXXX, " the account number written in the memo field is not bank information that we use to apply payment and it 's only purpose is that of a " memo '' for the clients use ''. This statement is insane! As all of us are aware consumers either have a carbon copy of the written check or a check register to record who the check was written to. 

I have attached a XX/XX/XXXX letter from Citi disputing XXXX and XXXX ludicrous statement. As I stated previously Citi is retaliating against me for involving my former Congressmen 's office ( now Senator ) to help 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 2015-12-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Inflated bill. There is an extra XXXX dollars on best buy credit card. added to my balance that is not accounted for. Once the balance is paid cyber thieves are able to collect the amount that has been inflated to the bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have had a credit card with CitiBank since XX/XX/XXXX. Unfortunately, I missed the first payment because I was not accustomed to having another payment, and they raised the interest to the penalty rate 29.99 %. From that point XX/XX/XXXX, I have had on time payments. They have only reduced my interest rate to 28.74 %. When I questioned them, they said it was their prerogative when to lower it. 
I thought after 6 months of consecutive on time payments they had to return it back to the pre penalty interest rate? They refuse to talk to me, and only direct me to " send it in writing '' to a generic PO Box address.

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 2015-10-02 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Over the course of the last five years, we made a number of purchases on our XXXX Home Depot credit cards. There were several times we got an offer of zero interest for two years, but, to my knowledge, we never signed up. This last month, we were just charged a lump sum of over {$8800.00}. on our XXXX accounts for two years ' interest on the entire balance ( previously about {$11000.00} ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently opened personal checking and also preferred business checking accounts with Citibank. Yesterday, I linked my account ( same owner ) in another bank to Citibank for " External Transfer. '' However, Citibank puts a daily limit of {$2000.00} for online transfer to account in another bank even though they allow another bank ( via same transfer method ) to transfer In ( to Citi ) up to {$100000.00} max per day. When I called Citi support, they asked me either use Bill Pay or do wire transfer to my own account in another bank and pay wire fees every time. Bill Pay does not meet requirement of account to account direct transfer from XXXX bank to another. The only viable options are online account to account transfer ( XXXX3 bus days ) or wire transfer ( same day ). So I think it is totally unfair that Citibank insists its clients to use wire method to transfer funds to another bank for funds above {$2000.00} but allows free transfer of funds into Citi up to {$100000.00}. I was also told by Citi person that Federal regulation prevents Citi from increasing this limit above {$2.00} per day, which I am not sure is true (? ). If this was true, then why my other bank ( Tech CU ) lets me transfer out up to {$100000.00} per day. 

My multiple calls to Citibank have resulted into no clear answer or willingness to even address this problem. I would highly appreciate if someone from CFPB can investigate this and ask Citi to either increase their daily limit for online transfer of funds to external accounts or waive wire fees in such cases. Pls note online transfer takes XXXX3 business days. 
Thanks, 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 2015-07-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Zales account - which is a Citibank product. I am behind on payments and am trying to make a minimum payment. Their website will allow me to pay only THEIR minimum payment which includes all arrears - {$590.00}. I do n't have that much and would like to make a smaller payment, but their website will not allow me to do that. I want to pay - I just can not catch up right now ( going through divorce ). Should n't they accept any payment? After the first year, they added over {$1000.00} in interest to a {$2500.00} bill. Insane!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Submitted substantial evidence in my favor of returned items with XXXX. Though items were return, company charged my card. CitiCards did not win this case despite XXXX strong advisement of not paying. 

Transaction Amount : {$4900.00} Dispute Amount : $ XXXX : XXXX Dispute ID : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi Gold checking account with promotion code XXXX. This promotion was for XXXX Thank You points. I met the terms of the promotion. On multiple occasions I called and asked if I was enrolled in the promotion and I asked when I would be receiving my points. I never got my points despite Citi informing me that I was enrolled in the promotion and met the terms of the promotion. Eventually I opened a support ticket to get my points. Citi then stated that I was not targeted for the promotion and that I already had opened an account recently with Citi which disqualified me from the promotion. This is not acceptable. Citi should not inform me that I met the terms of the promotion and was enrolled in the promotion only to tell me after I met the terms of the promotion that I was not eligible to receive the promotion. This is completely unacceptable behavior. I have been reading accounts about this happening to many other individuals online. Citi should honor its word.

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 2015-05-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citibank is an entity in which XXXX XXXX claims was the Trustee of the securitized trust XXXX XXXX XXXX Trust, in which allegedly my loan is tied to a specific pool of said trust. Please have Citibank confirm their past involvement. Please have the person who answers put their name and position and contact information. The last complaint had no name attached to the alleged response from Citibank. I doubt it was answered by Citibank! I have never even had a letter come from Citibank. I guess I will serve my own documents Friday CERTIFIED under Respa and Tila. We will see what comes of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I allowed my son to use my account and he paid the bill. Upon his passing we found out that the balance was over {$17000.00}. and we were told that because the account was in our name we were responsible. Our credit limit was XXXX, very sufficient, but Home Depot took it upon themselves to extend credit beyond that amount. I feel that we should be resposible for only charges upto the credit limit. I have never heard of any credit card extending credit without the knowledge, consent or request of the card holder, but I guess with approx. 24 % int. they did n't care.

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 2016-01-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received XXXX Citi pre-paid debit cards for switching to XXXX wireless. Each pre-paid debit card is worth {$200.00}. The cards had a very short 6 month expiration date. The cards are now expired and when i called Citi they stated that the cards are expired and that I am out of luck.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I purchased XXXX appliance and I submitted rebate forms to get {$200.00}. I received citi XXXX debit card. The card expired and I contacted the customer service and they told me they can not do anything about it. Prepaid debit of {$200.00} disappeared! Can they do that?

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 2016-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX

Complaint narrative:
I 'm filing this complaint with your agency to implore your help to investigate the violation of the Federal Financial Credit Reporting Act ( FCRA ) of the debt collection organization, Fidelity Information Corp. From my story below and the evidence attached, it is proven beyond any doubt that Fidelity Information Corp has clearly and intentionally violated FCRA by : Inaccurately inflated the disputed amount to 20 times ( from {$71.00} to {$1300.00} ) When I contacted them and sent them the explanation and evidence that I did not owe its client any money, not only did they not bother to reply to me, they also reported me to XXXX Credit Bureau agencies ( XXXX and XXXX ) with the inflated amount. 
When I contacted them the XXXX time by phone, the lady at Fidelity Information Corp ( XXXX at extension XXXX ) admitted that the amount was only {$71.00} and promised to send me a breakout within XXXX business days, but nothing was sent. 
When I contacted them the 3rd time via certified letter to ask for a breakout on my account three weeks ago, I have still not heard from them. 
When I disputed my claim with the Credit Bureau ( XXXX ) with proofing documents 3 times, every time the credit bureau sent the disputed evidence to Fidelity Information Corp. for review and they advised the Credit Bureau to remain the negative credit on my report. I called XXXX and asked them why they did not look at the evidence I submitted to them. The response was that the bureau would trust the collection services more than an individual because the collection service was required by law to report accurately. In this case it is not. 

What Fidelity Information Corp has done to me, it has certainly done to other consumers. Therefore, I implore your help to investigate and stop this collector from abusing its power and acting outside the law to protect consumers. 

Regards, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aspen National Financial, Inc.
State: AZ

Complaint narrative:
I have received numerous calls from this company saying they are attempting to collect a debt. I have no debts. I called them back at their call back number to request the stop calling. An individual by the name of XXXX XXXX spoke with me and said I would have to send them a letter stating I have no debts. XXXX XXXX then tried to obtain personal information so I terminated the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I took advantage of a CitiBank promotion which was to open a new account and receive a {$400.00} bonus after meeting requirements. I had met the requirements and it 's been nearly XXXX months and the bonus still has not posted.

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 2015-04-30 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank Texas NA was sold to XXXX XXXX XXXX on XXXX XXXX, 2015. On XXXX XXXX, 2015 I visited the branch on XXXX XXXX XXXX TX and learned that the bank was being sold. Due to my personal needs and my desired relationship with Citibank I wanted to know how to not have my accounts sold. I was told that I had the right to opt out and was provided a form to sign for that specific purpose. I was not provided a copy of this signed document by the branch employee ( I was in an office not at a teller window ). Part of my relationship with Citibank is access to money via their Citigroup while I am XXXX or not located near a bank. I do not have this option with XXXX XXXX XXXX and knew that I would encounter difficulty accessing my monies. 
On XXXX XXXX while logged into my online banking I became aware that my savings account was not showing up. I learned by calling the customer service center that XXXX of my XXXX accounts with Citibank was in fact sold to XXXX XXXX XXXX even though I had signed the opt out. 
To date I have spent 15 hours trying to resolve this issue. I have been on the phone to the XXXX response team more than XXXX occasion. The financial hardships, fees and costs related to this event are still accumulating. 
As a result of losing my direct deposit savings account - my Citibank account was charged a service charge it had never incurred the entire 4 years of my account. This caused the account to overdraw subsequently causing a NSF reporting to this account. Although Citibank refunded the monies associated to these charges my credit has been marred from its perfect internal status to one of now having a negative reflection. 
Citibank violated my privacy rights and forced me into a banking relationship that I never wanted. Citibank has now shared my personal financial information to a bank that had no right to ever know or see that information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
on XXXX XXXX, 2014 the XXXX transferred the sum of XXXX XXXX. The rate at that time was {$1.00}. I should have received {$66000.00} but only received {$65000.00}. Unfortunately the transfer went through Citibank which added extra transfer fees even though the XXXX insists that they did not use an intermediary bank. I had an account with XXXX, an international bank. Because of Citibank, there was a minus {$1800.00} in funds expected by me

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