vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank is fraudulently charging people interest. I 'm sure it 's not happening only to me. 

This fall, their online payment portal changed. I noticed this change on XXXX XXXX, 2016. Now when I log in to pay on the first of the month, the website says the minimum payment has already been satisfied, and I am invited to pay the remaining statement balance. 

Under this payment option is the following statement : " This is the remaining amount owed to satisfy your last statement balance. '' On XXXX XXXX I chose this option, but when my next statement came out I saw that my minimum payment did not go through, and I was charged interest. I contacted Citi via live chat on XXXX/XXXX/16 and told the agent all of this. He said it must have been a website glitch and assured me he would reimburse me the interest paid. He did not do so. 

On XXXX XXXX, I logged in again the payment options were the same. The payment page again stated that my minimum had been satisfied, and I was invited to pay the remaining statement balance. Once again, I did so. But this time I took screen shots to prove what happened. 

Once again, when my new statement was issued, I saw that the minimum payment had not been deducted, only the " remaining statement balance '' amount. And once again I was charged interest. 

This time, I contacted Citi via email and told them the whole story, including the fact that I captured screen shots of the payment process proving what I say. I referenced the live chat I had with their agent last month. All I received was a canned response not acknowledging anything I said and not offering any resolution. At least this time they did n't try to lie to me about a glitch. 

How many millions of people are they ripping off this way?

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 2016-09-26 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a credit card with Banamex. My account is closed. The company contacted me to inform me that the company was closing and they needed to send me {$310.00} ( refund ). They claimed they mailed the check but had the wrong address. I updated my address via phone and completed/mailed the required loss declaration paperwork in XXXX and I still have n't received my check. I called several times. This is my second complaint. This company is extremely unprofessional. I would like my check so I can officially termite the relationship.

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 2016-01-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I do not have a sears card

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have received calls from multiple debt collection agencies, most recently " XXXX '', on behalf of " Citibank '' for " XXXX ''. I have no accounts, nor have I ever had accounts with XXXX. I have an account in good standing with Citibank with a XXXX balance. The collectors give my name and call my cellphone, but they do not have my address and they give a different social security number and age/birthdate. This is clearly a different person they are looking for. I am not sure where they obtained my cellphone number. I have been explaining this for several years now. I would like this to stop.

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 2016-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is about BOTH communication tactics and attempting to collect a debt that I do not owe. 

XXXX XXXX - " In order to resolve your complaint, we will need additional information to locate and investigate the issue. Specifically, we need to know the account number or telephone number at which you received our calls. " Case number : XXXX RESPONSE : My name is XXXX XXXX XXXX and that is all the information I 'm willing to give to a company that I have never heard of and that is reporting on my credit report. The phone numbers in the attached letters have been used to protect my actual phone number since I do not know who you are and why you have my information in the first place. 

If you do not have my name in your system then I would strong urge you to consider making a request to have this trade line from your company deleted. If you do have my name in your system you should not have any problem providing a complete package of validation for me including documents with my signature on them for the alleged debt. 

I have attached a screenshot from my credit file. If you do not comply I will file a lawsuit in California for violations of the FCRA and FDCPA and you will be responsible for attorney fees, statutory damages, and my recent actual damages that have been incurred when I tried to apply for a mortgage. My banker has prepared a letter that will be used in court if needed to show that XXXX XXXX is the sole cause of why I have been denied for a {$780000.00} mortgage. 

Delete the trade line immediately and stop calling my boss and stop calling me on my cellular phone.

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 2016-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I applied for a Citigold Checking account using the promotion code XXXX with offer terms stating that " The bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 days from the end of the statement period in which you complete all offer requirements. '' The relevant account was opened on XXXX XXXX, XXXX and the offer requirements were met during the XXXX and XXXX statement cycles. The XXXX cycle closed on XXXX XXXX, XXXX. 90 days from XXXX XXXX, XXXX is XXXX XXXX, XXXX. 

The 90 day period following the completion of the offer provided ample time for Citi to fulfill its promotion. At no point during the 90 day window were the points credited per the terms of the promotional agreement. I have contacted Citi on multiple occasions XXXX during and following this window to establish the status of the points, but have not been provided with a satisfactory response. 

In my most recent correspondence with Citi, I explained the problem, of which the bank was already aware. I further expressed that Citi 's delay was preventing me from using the credit to purchase upcoming travel. The representative was unable to explain why the points had not been credited and was unable to provide a reasonable date upon which the promotional points would be deposited. The representative in question refused to resolve the issue and terminated the phone call. 

Citi has demonstrated a clear unwillingness to resolve the case. The bank has engaged in misleading marketing practices and false advertising by failing to deliver upon the terms and conditions of their promotional offer.

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 2016-10-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
i am filing this complaint to report a false statement from BC Service inc, a collection agency. i just found it out when i received my credit report from XXXX this week .At my biggest surprise i saw this debt collection of {$850.00} reported on XXXX 2016 to the XXXX credit bureau which state that i have an account that was open on XXXX 2016 with BC Services incorporation located at XXXX XXXX XXXX XXXX co XXXX. 
Firstable this is a false statement, i have never opened an account or never do business with this company. but that was reported to the XXXX credit bureau that i open that account with them since XXXX 2016 that is a lie. 
Second, they never sent me in writing any notice that the FDCPA Act required any collection agency to do before sending any debt to the XXXX credit bureau. According to th e Fair Debt collection practice Act ( FDCPA ) a collection agency must notify in writing a person of his right to dispute a debt within 30 days before trying to collect any debt and before sending any debt to the XXXX credit bureau. but BC Service inc did not do that .they never sent any letter in writing of my rights to dispute any debt. but instead they sent it directly to the credit bureaus to destroy my credit.therefore they have violated my rights under the fair Debt collection practice Act ..I demand that this account must be remove from immediately from my credit report I sent them a letter to prove they own this debt and also to sent me a copy of the contract that is between them and the original creditor which show that they are entitle to collect that debt, they never respond. also i ask them to sent me a complement payment history starting with the original creditor they never respond

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 2016-04-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I paid XXXX for a notary renewal course. They did not send me the link in a timely fashion and I had to file a complaint with XXXX. Once the complaint was filed, XXXX sent me the link to the course and filed proof of said with XXXX, so the complaint was closed and my payment was sent through XXXX to XXXX. 

I completed my course and sent the necessary proof of completion to XXXX and requested that they send me, via email, my course completion certificate so that I could take my XXXX XXXX exam. 

XXXX informed me that they would not be sending me my Cerificate, claiming that I had dishonored the payment/not paid them and that they had sent the bill to a collection agency called Fidelity Creditor Service. 

I called Fidelity Creditor Service and told them the urgency of the situation, as my income will stop if I am not able to renew my notary license. I spoke with XXXX at XXXX and advised him that XXXX would not release my certificate until the collection agency told them I had paid the account ... ..the account that never should have been placed with collections in the first place. XXXX said it would take 48 hours to clear up, and we began to argue as I felt this was unacceptable as this should have never been sent to collections in the first place and because I was going to have to reschedule my notary exam if I did not receive this certificate asap. XXXX then told me that if I faxed the document over that, " oops, we did n't receive it. '' would happen. At that time I then asked him to provide me an email address as well so that I would have double proof that I had sent the info over. XXXX refused to provide me with the email address and again made sure that I knew that anything I sent by fax would some how not be received. 

I called back 11 times and left messages with XXXX and spoke with another person named XXXX and neither of them would provide me with an email address to send the proof of payment to, since XXXX had made it abundantly clear that anything I sent by fax would be intentionally lost. 

This collection agency has been informed that his account was placed with them maliciously and is refusing to accept the proof that the account should have never been placed with them and has blatantly told me that anything I fax over will be conveniently lost/not received. My account number with them is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi Costco card. I never wanted the card and never used the card. I cancelled the card in writing on XX/XX/XXXX. I have a copy of the written cancellation mailed to Citi. Today ( XX/XX/XXXX ) I received a bill on the card for {$59.00} that I never authorized. I spent I do n't know how much time. Now the representative is giving me leading and misleading questions, trying to get me to agree to say things that are not true. For example, I have to say that I have the credit card when I do n't, I never authorized the card, I do n't want the card and I cancelled the card ( without ever using it ) in XXXX of last year.

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 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I see multiple inquiries on my XXXX credit report I did not authorize.I called the agencies listed and they state they did not run these inquiries.

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 2016-01-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
make offers for credit, even if approved change terms ( always in their favor of course ) sales people AND management mis-inform clients blatant false advertising change websites ( 4 times in past year ) main retail website has link to bogus website

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was billed for a computer virus software that I did n't order by XXXX XXXX/Citi Bank/Best Buy on XXXX XXXX, 2015. I called and cancelled on XXXX XXXX. When I called again on XXXX XXXX to see if they had processed the refund, they had n't. Now they say it will be 2 months before it goes through. Meanwhile Citibank/Best Buy is charging {$25.00} a month late fee. This a huge scam to drag their feet as long as they can and collect as much late fees as they can. This will ultimately reflect negatively on my credit report, which is why most people probably just pay the fees. Beware!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I receive a mailed " offer '' of Do n't let Your Credit Limit Decrease from Home Depo. I feel this is a rather adverse action being taken towards me as I know of no wrong doing on my part. I could understand closing my account for inactivity but treatening to reduce my limit as a marketing tool to try and get me to use the card does not go over very well. I believe this company is in violation of Truth In Lending Act ( TILA ) and Equal Credit Oppertunity Act ( ECOA ) on XXXX fronts. First the " offer '' is not in an " Adverse Action '' format to include the primary reason for taking this action and if they used third party information like a credit report. Second is this action take against me imperical based on my actions or 3rd party information causing this limit decrease. I can vey much assure you I paid this account ontime for 23 months during an interest free offer when I replaced my roof. My credit has not declined as I work in the financial industry and it 's reguired of me for my position of 16-years to maintain an A+ ( XXXX or better XXXX credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I get garage doors ( XX/XX/XXXX- {$1100.00} ) from Home Depot on their credit card that offered no interest for 12 months ( 12-month period expiring in XX/XX/XXXX ). I had to make a small minimum monthly payment. 
I did not receive my first XXXX statements, and the first XXXX payments were late. I paid the credit card in full on XX/XX/XXXX along with a {$60.00} prior late fees. I was told that the other late fees of {$25.00} will be reversed. 
The fee was never reversed. The card issuer starting charging interest and monthly fees on {$25.00}. As of XX/XX/XXXX, ( a copy of the statement is attached ) the {$25.00} outstanding balance has increased to {$130.00} and this outstanding is reflecting on my credit report as 90-day delinquent. My XXXX score is down by XXXX points. 
It seems completely ridiculous that though my outstanding was paid in full- 6 months prior to my payment data but still I am labelled as 90-day delinquent and my credit score is impaired. I applied for XXXX credit cards last month ( XX/XX/XXXX ) but XXXX were denied because of this 'Home Depot Delinquent Account '. 
The credit reports need to make a distinction between principal unpaid and fees unpaid so that the credit impairment for nonpayment of bank fees is not treated with the same severity as that for non-payment of principal. 

Thank you,

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 2015-12-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I honestly believe Citi Bank and Sears set out to defraud me. I was lied to by Sears Salesman to get me to buy a poor quality home improvement product which was poorly installed at an overly inflated price. I question the fact it was too high priced {$11000.00} for just the gable ends and XXXX lean to wall. I was told I was getting perks for example lifetime wholesale buying on any Sears product. I found out a month later this was a lie when I went to buy a washer at Sears. I called Citi Bank Sears Card complaining that I did not get what I paid for. I would be placed on hold or forward to another customer service in another part of the world. I never got to talk to the dispute dept until I stopped paying on the card this past XXXX 2015. I tried writing and calling two years but continue to make payments until XXXX 2015. I paid {$4800.00} which I want refunded. The siding is falling apart after year and half. I would have never bought this if I was n't made false promises to lure me in. Citi is constantly calling me telling me I owe over {$10000.00}. This is a joint corporate scam. Sears card should be shutdown. I am XXXX on a fixed income and was taken advantage of. I want my money back please and no blemish on my credit. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I tried to make a payment towards a AAdvantage card on the day it was due, a Saturday. After submitting all the information for the payment I submitted the payment but the site said there was an error. I tried for the next hour to make a payment but was unable. The following Monday I called the company directly. I explained the situation and was told it was n't a problem, there would be no late fees with a payment that day. I paid the outstanding balance completely as I intended to 2 days prior. Two months later I received an Email saying I had an outstanding balance ( a late fee ) and was being charged late fees on top of the first late fees because that was not paid. Again, this is 2 months late. I did not receive a notice of the first late fee. Since then the account has been closed but they continue to add late fees. 
Also, when I started this account it was with an introductory offer of {$100.00} which was never received I have asked about that offer and told them they could use that towards any fee but they refuse to acknowledge that offer.

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 2016-12-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I try to apply for my installment loan from lending club I may be discrimination bcause of my race I be able to pay XXXX every months on my credit cards and why I only borrow XXXX and I am not qualify. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Costco XXXX was taken over by Citi Cards. I have a balance on the card of XXXX. When Citi took the card over, they gave me a credit limit of {$3700.00}, which put my account into arrears, and they stated I had to pay {$1400.00} to put the account into good standing. My complaint is if they did not want to extend more credit to me, they had to give me a credit limit of at least my balance, so as not to put my account into arrears and cause me additional undue stress. Seems like an unfair and deceptive practice.

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