vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I schedule payments for my Citibank AAdvantage Platinum MasterCard online. I have never payed late and always pay the full amount. Last month I apparently scheduled my payment two days after it was due by mistake and incurred almost {$80.00} in fees and interest. I called and Citibank waived the interest and fees. When I went to pay the current month 's bill, however, I discovered what may have been the root of my mistake. After you select the amount you are going to pay online you select a date. When you click on the calendar to select a date there are a number of days that are in bold starting with today 's date and extending out about 9 days from today. The days after that are not in bold, even though they are within the same month and in the middle of the week. What I noticed is the last two days highlighted in bold on the calendar are past the due date for this month 's payment. I believe the bolding of dates on the calendar is a deceptive practice designed to get customers to select a date that is past the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citigroup XXXX Inc is the parent company of Citifinancial which slandered the title of my real estate property for XXXX years.Citifiancial acknowledges that the disclosure statement and Deed of Trust only has XXXX signature, and not XXXX ; which is a violation of Maryland XXXX. 
Citifinancial placed an illegal lien ( SLANDER OF TITLE XXXX on my property on Febuary XXXX. There are XXXX people XXXX XXXX XXXX and XXXX XXXX XXXX that are on the deed. XXXX XXXX never signed any paperwork for a mortgage or home equity loan XXXX CitiFiancial admits to this fact- see attached documents ) ; therefore a Lien can not be placed on a property, according to Maryland XXXX XXXX XXXX Citifinancial admitted in a correspondence dated XXXX/XXXX/XXXX, that " they made a mistake. '' But, this mistake cost me and my uncle a lot of money because of their " INTENTIONAL MISTAKE. '' We were unable to sell the property, suffered tremendous pain and suffering and extreme financial difficulties. 
On XX/XX/XXXX, Citifinancial took the deed of trust and other documents to XXXX XXXX XXXX for the placement of a lien on my property, total aware of the fact that ALL signature were not present ( CitiFinancial admits to this fact ). This is SLANDER OF TITLEBecause of my Active Duty Status, I am not under Statue of Limitation Laws, because of the Sailors Soldiers and Civil Relief Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX, MD XXXX XXXX XXXX, 2016 Manager CBR Department Macy 's Inc. 
XXXX, OH XXXX XXXX : Macys Amex account : XXXX Macy 's Card : XXXX Dear Manager : I have been a loyal shopper and upstanding card holder of Macys and CitiBank for quite a few years now. I have never been delinquent. I prided myself in having a credit score above that XXXX beacon mark due to my XXXX businesses, XXXX of which relies on my credit score to XXXX. I also have several mortgages for rental properties and real property I own outright. A vast port folio you can say. 
That being said, I usually pull my credit reports ( all XXXX ) every 3 months faithfully to stay on top on any issues that may arise. Needless to say I neglected to do so 4 months ago and so when I pulled it 30 days ago, I saw these credit accounts dangerously delinquent and the reason that I was told did n't make since. On around early part of XXXX I called customer service to find out why and spoke to XXXX, I believe, and he stated that the charges were due to residual interest. I had paid both of these account off 6 months ago and they both showed a {$0.00} balance on my XXXX account and Macy 's account. XXXX told me that he could not do anything so i requested a supervisor, manager, director, Vice President or President and told that I was willing to go up the chain of command to get this fixed asap. He stated that he would get a Manager to call me back but will On [ click to select a date ], I contacted Macys Credit and XXXX account via email and phone to request that my order be cancelled and my money refunded. Macys Credit and XXXX account would not agree to refund my money, insisting that the merchandise was on the way. n [ click to select a date ], I again requested that my order be cancelled and my money refunded, but I did not receive a response from the company. I have not yet received my order. 
I have enclosed a copy of the bill with the disputed charge highlighted, and copies of my email correspondence with Macys Credit and XXXX account. Please investigate this dispute and provide me with a written statement of the outcome. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX, 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 monetary relief
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have disputed the charge for the service that has not been provided. However, the bank refused to give a full refund claiming that they are not able to collect money from the merchant. This is not has been promised in their dispute policy. This is the main reason I use credit card as it is a safer way of doing business. Credit Card should honer their policy and issue a full refund. And if they can not make the merchant pay them back they should not allow this merchant to use this system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I cancelled Sears credit card number in XXXX and paid it off in XXXX. It was XXXX XXXX XXXX XXXX. 
I opened another account with them 4 months ago. Th In XXXX they started transferring the money I paid in to XXXX XXXX XXXX XXXX. In XXXX, they did the same thing. The amounts were {$790.00} and {$430.00}. Now they are saying I have to pay the {$430.00} plus XXXX again. I have called six times. 
I wo n't pay them anything more and have cancelled the account. It looks like fraud to me. 

and they won ' t straighten 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 non-monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank had a promotion requesting people open a checking account and deposit {$15000.00}, maintain it for three months, after which customers would receive an {$400.00} account bonus. I called them and opened the account, funded the account on XX/XX/XXXX and maintained the required balance. The bonus should have been posted on XX/XX/XXXX but Citibank has not deposited the bonus as promised.

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 2016-11-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I called the customer number talk to XXXX and she transfer to the Financial Department we spoke with XXXX, I understand my payment of XXXX was behind for emergency reason, I never was late for this card, we try explain to XXXX about this but she was absolutely rude, unprofessional and no empathy for the customer she try hung up the phones many times without solving my problem.She mention each customer is treat different when I ask for reage my account, ask twice what that mean each client is different, is about discrimination since she used that terminology and we know they are able to reage accounts.

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 2016-04-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was recently informed by my Daughter XXXX XXXX who had used XXXX of your Shell credit cards that there is still a late payment entry on my Credit Report. 
I had written to you over a year ago and asked you to correct this entry since the lateness was due to your billing problems not my paying my Shell bills on time. 
I have always paid my Shell Credit card bills on time since I opened the account. Then Shell sent us new credit cards with new expiration dates like all credit card companies do every XXXX-3 years. But in your case the new credit card was not linked to the old account online. So when I logged in to pay my bills, I was only able to view the balance for the new credit card, not the older card which still had a balance. Dispite the fact that I was make regular online payments, they were all go to the new card and nothing was paying off the old card. Meanwhile the old card had about a {$100.00} balance on it. Suddenly I am told that I am several months overdue on the old card which never apperas on the online account. This is despite making regular in full payments to the new card. 
Since then you have corrected the problem and several months after my issue, both balances started appearing on the online account. 
I have asked them twice to correct this problem.

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: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I opened a Citibank checking account ( Account number : XXXX ) and deposited {$15000.00} on XX/XX/2016. According to the promotion, this newly opened checking account with {$15000.00} balance is eligible for {$400.00} cash bonus after 30 days. I also received new account welcome package and debt card on XX/XX/2016. However, on XX/XX/2016, I received a letter from Citibank declaring that Citibank closed my account on XX/XX/2016. The notification did n't go with a justified reason, and account balance {$15000.00} was also returned via check. 

I called Citibank customer service for a explanation, they failed to provide a reason. 
Citibank should not use my {$15000.00} for free for 30 days then closed my account to evade the obligation for paying {$400.00} cash bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Contacted customer service that my statement does not contain a Minimum payment warning table that shows how long it will take to pay off the balance making only minimum payments, as well as the payment amount required to pay off the balance in 36 months. They stated they are not required to provide any such 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 explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax refuses to properly investigate this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
One day after payment due date, rhe incessant collection calls begin ; home, cell and work, starting XXXX through XXXX, Monday through Sunday, robocall after robocall. I am currently 10 days late on my regular payment and I must have received 50 or more calls, with voicemails.

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 — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
I received mail at my new place of work, where I am a single sub-contract agent who does not get paid until the closing of a transaction. I called CBS and was transferred to XXXX XXXX. I tried to set up payment plans of {$25.00} which was my original agreement with XXXX XXXX prior to collection. I am a family of XXXX with {$XXXX} annual income. I tried to explain this to XXXX when she would not let me make a payment of {$25.00}. She was extremely rude to me and caused me a lot of distress with the things she was threatening me with. She told me that they had verified my new employment, " which means I have income and I have to pay at least {$300.00} a month or the balance in full otherwise they would sue me and come after me. And I would n't want to be responsible to more money after legal fees are involved, would I? '' That is rough verbatim of what XXXX said to me over my {$3600.00} balance with CBS. At one point she had me in tears when I tried to explain to her I did not want them contacting my new employer about my collections and trying to get me in trouble with my new job where I am trying to make money. I am a XXXX with no income coming in currently. I am only a few months in the business. She was very hateful and continued to threaten me with court and legal fees if I could not pay more than {$300.00} a month. Anytime I tried to explain that my annual income had not changed from the {$XXXX}, she would keep telling me they 've verified my employment. However, that does not mean my income has increased. 

I am trying to make my $ XXXX monthly payments the best I can. XXXX has me very afraid of being sued when I am trying my best to pay what I can. I am trying to be the best I can and I will continue to make my $ XXXX monthly payments if she would let me. 

It is not fair that I am not allowed by her to make a payment bc she does not feel it is enough money. Nor should I have to keep calling in hopes of getting someone different at CBS that may let me make my payment. I have asked to have a new case rep and they will not allow that either, even after I explain all of the distress XXXX XXXX has caused me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
THIS IS A HARD INQUIRIES ON MY CREDIT REPORT. I DO N'T KNOW WHAT THIS IS. XXXX XXXX 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 2016-10-08 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I earned around XXXX travel rewards points by using XXXX card for purchases. XXXX is telling me that all those points expired 90 Days after their breakup with Costco. Those points were earned an I do n't think XXXX should be able to forfeit this with such a short time frame and without Noticing its point holders

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
what Citibank to remove erroneous late payments from all XXXX credit bureau.

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 2016-11-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I reported the below XXXX items at least 7 times to Fraud Dept. immediately and never received the credit : Confirmation numbers of reported the Frauds : XXXX done with XXXX XXXX, XXXX Manager, XXXX done by XXXX, I also spoke with XXXX XXXX in Fraud Dept., And I sent a Facsimile. 
Again, I have the original documents with notes : XXXX XXXX XXXX, XXXX, CA XXXX/XXXX/XXXX {$54.00} XXXX XXXX XXXX, MN XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$23.00} Although I reported these immediately no credit was issued. 
I have original documents and above are some emails sent to the prior manager, XXXX 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 2015-10-07 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: WI

Complaint narrative:
I submitted This to XXXX XXXX XXXX - who then forwarded it to XXXX XXXX XXXX CFPB ) - per Our telephone conversation - I am filing this with CFPB - my entire submitted file was XXXX pages and can submit to you as needed : Under FTC Settlement, Debt Buyer Agrees to Pay {$2.00} XXXX for Alleged Consumer deception - - - XXXX XXXX - I was recently sued by asset acceptance in regards to a credit card debt from XX/XX/XXXX and the statute of limitations was well over - I feel as though this case is part of their FTC settlement for the following : The asterisks mark the what they did to me & my court case : *****misrepresenting that consumers owed a debt when it could not substantiate its representations ; *****failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; providing information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate ; failing to notify consumers in writing that it provided negative information to a credit reporting agency ; failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; repeatedly calling third parties who do not owe a debt ; informing third parties about a debt ; *****using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; and*****failing to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer. 

I have been back to court 4 times since XXXX - finally XX/XX/XXXX the Judge ordered this dismissed as the statute of Limitations was over - it was time-barred and they had no documentation supporting a payment was made as they had claimed I made a payment and that restarted the SOL in Wisconsin - I have court documentation of the case and the numerous ploys used by asset acceptance and XXXX Law which was representing them - Please guide me as to where to continue my grievance - it is my understanding this lawsuit against them was in XXXX Court via the FTC - FTC File No. XXXX - as far as I am concerned they are still practicing what they were sued for. 
Thank you - XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have been a Best Buy Credit Card holder since XX/XX/2012. I am trying to pay off a balance but I have noticed that it does n't seem to be changing, so I decided to go online and review my account statements. I normally just go online and pay my bills since I have a general idea of what I owe. When I took a closer look I noticed I was charged a fee for what I now know is a " Debt Protection '' program that I never signed up for. I immediately called the credit card company and questioned this charge. After speaking to a " Debt Protection Specialist '' I found out that I was signed up for this in 2012 ( which I never did ) and I have paid {$820.00} into this program ( Not including any potential interest accrued ). They could not tell me where or when I was signed up for this program. I immediately had it cancelled. Again, I asked specifics of how I was signed up for it and proof. The woman, XXXX, put in a request for the proof and a request for a possible refund ( I was told it will take 30 days just for a response ). I asked for documentation that there will be an inquiry and was told that the documentation I would receive in the end was the only documentation they could provide me with. Basically the specialist can only submit requests and can not help you with any documentation. After the phone call I scoured my records and found my original paperwork from the initial credit card application. There is no mention of any form of " debt protection '' fees that I allegedly signed up for. In fact, the fees section is completely blank on my paperwork. I would have never knowingly signed up for such a thing because it is simple not cost effective ( I recently read about the details online ). I did not sign up at the time of the credit approval ( no documentation of fees on my paperwork ) nor would I have done so after. I did n't even notice the charges because they were small to medium amounts and I normally pay my bills online and since this has been happening for so long, my balance never looked " wrong '' to me ''. I do not know if this is some sort of scam guised under false pretenses to deceive the consumer or if it was an honest mistake. I know that I should have caught this sooner, but regardless it was something that happened that should not have happened. I am outraged that this is a practice of the company and expect them to remedy this issue.

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 2016-10-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: NY

Complaint narrative:
Lender is not licensed to do business in the State of New York as required by New York Banking Law Article IX and is charging interest and other fees not permitted under N.Y. Banking Law Article IX and is attempting to use a rent-a-bank ( XXXX ) in an attempt to give its loans an appearance of legitimacy.

Company response to consumer: Closed with explanation