vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a Best Buy ( Citibank ) credit card in XX/XX/XXXX and was entered into a non disclosed " debt protection '' service that I did not agree to. I have also never received a mailed statement. I 've been receiving random " thank you for being a Citibank customer '' letters but nothing with a balance until recently. In XXXX, I discovered a balance of over {$900.00} on what was originally about {$1200.00}. I was confused because I 've paid more than {$300.00} in XX/XX/XXXX alone. I contacted Citi, who first informed me of this non disclosed service. I called the third party company but, after XXXX times of calling, I would not receive any proof of signing up for this service. I 've contacted Citi and placed my account into dispute, only to find out I was in the wrong type of dispute ( disputed for fraud ). I attempted to contact Citi and was on the phone for over four hours with them as I was being transferred from XXXX person to the next. It was extremely frustrating because XXXX person was contradicting the other and then I 'd be transferred again. I 've been trying to get a payment history and a balance of what my amount should be, minus the debt protection services. I could not receive an answer. It was my belief the credit card should be paid off or close to and I was prepared to pay the balance. Due to the non disclosed service, I was unable to pay the $ XXXX that was due at that time and was " awarded '' a giant interest charge of over {$1200.00}. I 've tried to work with Citi and it seems I 'm getting nowhere. I googled my problem and found numerous other people had the same issue, including a {$XXXX} XXXX payout to Citibank customers ( https : XXXX ) which I was unaware of. In the end, this dispute has delayed me refinancing my house and if this does not get resolved in my favor I 'm not going to be able to because it 's severely hurt my credit score. I do n't know where else to turn and unsure if I should blame Best Buy, Citibank, or the debt protection company. Please Help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I paid the " New Balance '' on my card 4 days prior to the due date. I was assessed an interest charge even though the statement indicates that no interest would be charge if the " New Balance '' was paid by the due date. I called to attempt getting the charge reversed and was given an excuse that the New Balance had to be paid in full for 2 consecutive months in order not to incur an interest charge. That is not what is stipulated in the statement. Furthermore, I believe it is an unfair practice as all other cards I have ever had do not charge interest when a balance is paid in full by the due date.

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 2015-05-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I returned merchandise to Macy 's and filled out the form requesting credit to the Macy 's accounts. However they continually issue a gift card for which I did not request forcing me to go through the process of requesting a reversal to the credit card. However during this time they are charging me interest of the gift card and they do not issue credit for the interest when and if the credit is reverse. Right now I am waiting on XXXX reversals however I am having trouble get them reversed. Its taking to much time and I will be paying the interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I had opened a Citigold bank account in XXXX 2016 using a promotion that would give me XXXX XXXX XXXX miles once I 've made 2 bill payments and {$1000.00} in purchases on my debit card. I had confirmed my eligibility of the offer with Citi bank representative while opening the account on the phone. 
I completed the requirements in XXXX but the points did not post. I submitted a secure message in XXXX 2016 and I was told that now I was not eligible for the offer. I had escalated the request in XXXX but still the same response.

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 2016-09-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I called CITI CARD, and told them I was being shamed by a company called Ignite solution # XXXX, AL. they said XXXX, was being down loaded from my IP address, and possibly other crime .I realized the lie while I gave my card imformation, the rep.from citi XXXX card, said no charges called in XXXX/XXXX/16. I called again on XXXX/XXXX/16 XXXX called back PM that day charges submitted, when I confronted citi card, they said they would investigate/ send to disput department.I have followed there procedure, provided everything asked from me.I haved called XXXX/XXXX/16, was told I have to pay {$400.00} plus interest, i was told I gave card info. I believe they where negligent, by paying this company after I made all them aware of my troubles.I asked them to give me new card # that first call, not nessisary i was told .I was told on XXXX/XXXX/16 they can not do anything about charges, due to me giving card 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 2017-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Limited my total allowed monthly payment so that all of it went to paying interest. I payed them {$2000.00} via certified mail return receipt requested, with a letter indicating that the contained amount was to be applied to the principle balance only. They state that they applied the monies sent only to the interest, and that it was policy to ignore any letters indicating how the account holder wanted the payment allocated. I am of the understanding that this is also illegal. Additionally they refuse to disclose to me how the interest on my account is calculated and applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My personal credit profile was compromised around XXXX XXXX, 2016. Someone had stolen my personal information and opened up multiple accounts without my knowledge. This was reported in to XXXX, XXXX and XXXX XX/XX/XXXX and freezes placed on my credit profile. All unauthorized credit cards were closed down and I was not held responsible for any charges except XXXX. XX/XX/XXXX, individuals went into multiple Macy 's in California and were able to charge a large sum of goods on my existing Macys charge account. I did not authorize this and these Macy stores were some distance from my house. When I received XX/XX/XXXX 's bill, I learned of these Fraudulent charges and reported it to Macy along with a police report and Macy required their own form that I filled out which i did to show all the charge which were not mine. It has been over 3 months and Macy continues to do nothing except try to collect on the debt and report me late to the credit bureaus. I have always had perfect credit and can easily prove it through out the years. Now that I am being reported as 90 days late plus owing over {$5000.00}, other creditor are starting to lower my credit limit. For the last 10 days, Macys has been calling me. When I answer no one is there. Today I had a representative from Citi-Macy call my home and my husband waited XXXX seconds before the auto dial switch over to the Macys phone rep who was in the XXXX. He demanded payment from my husband who is not listed on the account. The call was recorded by Macys and my husband also recorded the call. My husband explained that the account should be listed as in dispute and that he was not going to make a payment until Macys concludes the investigation and adequete proof shows that I made the purchase at these multiple Macys, far from our residence on multiple different days. 
My issue is as follows ; 1 ) Macys is ruining my good credit by how they are reporting derogatory faudulant information on my credit report with the 3 credit bureaus. 
2 ) Macy is not acting in a timely manner. 3 months is too long to conduct their investigation 3 ) We are getting harrassed by Citi Macy collection department. They are discussing personal information with individual who are not on the Macy 's account 4 ) We are working within the confines of the law but Macy / Citi is not. The FCBA, FCRA and the FDCPA all seem to be being abused here This process has been extremely frustrating and I have spent close to XXXX hours now trying to clear my good name.

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 2017-02-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I check my XXXX score on a monthly basis to make sure that my credit score remain very high. I was never late with payments and all my accounts were in good standing. XXXX 2016 I noticed that my XXXX score dropped significantly. When I inquired, it was due to late payment from Macys. I was surprised so I called them, and they said you bought shoes for XXXX dollars ( which I returned and got credited for ) and a XXXX dollar candy bar ( which I did not return ). I told them I never received an email nor a statement or even a phone call. Now the charge is XXXX dollars which I gladly offered to pay if they remove the negative reporting. However, they said I need to pay it then I can talk to the collections department. How absurd is that? They have a right to report negative information but I have no right to defend myself? Now my credit score is down XXXX points because of a XXXX dollar candy bar? I had this account 7 years ago and not once was late. I hope to see more of your stores closed and see you in bankruptcy proceedings very soon.

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 2017-01-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I 've had my Best Buy Credit Card for several years, including through several bank switches. Some time in XXXX 2012, I was signed up for debt protection, which I never requested. I never noticed since I typically paid off my debts immediately. However, over the past 2-3 years I have been leaving a balance on my card. When finally deciding to to pay off the entire balance, I noticed I had been getting {$10.00} debt protection fees this entire time. I contacted BestBuy who told me to call this special debt protection number. I called them and they canceled. However, they could provide no details of when I " opted in '' other than a date. I asked for reimbursement. They told me it would take 30 days for a " decision. '' However, they offered to email details of my opt in. 

After 30 days we called to find out the decision and was told that a decision had not been reached, but we should receive something in the mail shortly. We never received a decision and never heard back. It has been 90 days. I received the letter regarding my opt-in and it was only a letter specifying the date, which I was already informed months earlier. We are still unable to get anything done through this debt protection company and credit card arm of BestBuy has no interest in this.

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 2015-07-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I 'm receiving 3+ phone calls a day from this number after having already spoken to someone about payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I was applying for a loan modification with Citimortgage for my second mortgage loan. The interest rate is 8 % and my husband has been out of work since XX/XX/XXXX. He is terminally ill and is now on social security XXXX. I keep trying to work with Citimortgage and they keep asking for more information/documents. I continue to provide them what they ask for. This last time the loan modification review process began in XXXX XXXX. This is ridiculous, this process should not take 5 months. Each time they have asked for more information/documents, I have provided them asap. Attached are all my email exchanges with them. Most recently, I was receiving weekly emails with status updates that were really no update, just that they did not need any more information from me and that they were reviewing my loan for a loan modification. I realized after a few weeks that I had not received the weekly email, so I sent an email and of course did not hear back. Then I sent another email and my support specialist assigned to my account, said that my loan was now in Recovery. They can not do this. They need to finish the review of my loan modification request and notify me of an acceptance or denial. They also need to notify me that my loan is now Recovery. What kind of company does this? I work for a mortgage company, I know this is wrong.

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 2015-12-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
received statement from Citibank regarding complaint XXXX it addresses the XXXX XXXX on XXXX/XXXX/XXXX it claims no documents were sent that is invalid, they were sent and they declined ; XXXX additional circumstances were also filed XXXX XX/XX/XXXX XXXX another XXXX XXXX another XXXX XXXX, Citibank declined to honor all credit protection, the had adjusted payments from XXXX to XXXX which were to be XXXX interest, they once again refused any adjustments, bringing account down to $ XXXX then offering to adjust to zero interest, I had no income and they refused all three situations when I had been paying for credit protection ; the minimum fees acquired for 5 year period exceeded {$7000.00} ; it was challenged once again when it was discovered on credit report, they answered the complaint that they had tried to work with me and that I was in default and that it was sold. the account was closed in XXXX XXXX, it has been reported by XXXX on my credit report since XXXX and is still being reported ; both Citibank and XXXX have increased the balances due, I have had to spend monies for legal fees to fight this, a senior now on a fixed income, XXXX has refused to adjust balance, Citibank has passed it on too XXXX stating it is no longer their issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am on Social Security and have requested Brand Source ( Citi ) to make my due date the XXXX of the month instead of the XXXX to accommodate my ability to pay when receiving my benefits. They have refused on XXXX different occasions. They are doing this to make me pay the late charge of {$23.00} every month.

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 2016-01-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
been disputing fraudulant charges that were made on a macy 's acct i used to have. I 've contacted macys numerous times to report this. i filled out the required fraud information they finally sent me and i received a letter about a week later stating they investigated my claim and confirmed that the acct belongs to me and if i have any further questions to contact them at XXXX. I called them and was transferred 3 times before I was connected to a collection agency. I was also provided the number. XXXX. I was transferred and the person who answered the phone it was his home number. He advised me he keeps getting calls from people but it is his home number. I went over the number with him that I was provided and the gentlemen confirmed that is indeed his home number for 16 years. I am getting the run around from macy 's and now this acct is in collection. I made XXXX purchase with them back in 2014. When I noticed this on my credit reports I immediately attempted to contact them but they keep pushing me around and this is affecting my credit. I am furious with macy 's at this point and next I am going to obtain legal advise if this issue is not resolved. My time put into this is ridicilous and giving me someone 's home number saying that 's the number to the collection agency? Ridicilous

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 2016-08-12 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I recently closed my Citi Preferred " Thank you '' card because of an issue with a payoff. Once the card was paid off I received an interest charge of less than {$40.00} which I was unaware was added. I did not receive notice of this charge and was unaware until I received a call two months later. During this time I have received thtree late fees and my credit report has been affected negatively. 

My complaint is that these late charges were more than the balance due and were placed only on interest fees added an no principal.

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 2015-10-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citicard is calling my house repeatedly to collect a {$20.00} credit card overdue payment. Just today, XXXX/XXXX/15 they called at XXXX, XXXX, XXXX, XXXX, and XXXX. This is harassment and abusive. They need to stop this. Citi is calling from XXXX. Citi has been doing this for several days now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening. As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XXXX. As a result my credit report as alerts on them until XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.

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 2016-06-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
In XX/XX/XXXX I found a charge on my credit card that could not have been mine ( to XXXX XXXX ) but there was a credit to go along with the charge a week or so later so I thought it was a billing error and dismissed it. On XXXX XXXX, 2016 I saw a charge for {$130.00} to XXXX XXXX in XXXX ( I live in XXXX and have not been to XXXX since XX/XX/XXXX ). I called the number to XXXX and the recording said if I had a billing issue to send an email with my personal information and last XXXX digits of my credit card number. I decided to call the credit card company ( Citibank ) and have them remove the charge from what seemed like a bogus company. They said I needed to submit a dispute online, so I did and they issued a conditional credit for the {$130.00}. Over the next day or so I started thinking about it and realized that someone had my card and the representative at Citi did n't shut my card off. I called back and asked if they were sending me a new card and they said they could if I wanted them to but they do n't do that without request. I explained that my card was used on the other side of the United States for chicken and waffles, since I did not make this purchase someone has my card number I want it cancelled. They seemed surprised by this but sent out another card. On XXXX XXXX I received a response from Citbank with a copy of chargeback evidence from XXXX saying that a XXXX XXXX with an address in XXXX and an email address of XXXXXXXXXXXX ( not even close to my email or address ) ordered this and paid with my credit card number ( no signature, no actual card ) and I am responsible for this charge. I am livid at the customer service from this credit card company. I had to call them to dispute it again, sign a form and mail it ( using my stamp ) but they still have the charge on my card. I received a response yesterday saying that they have sent my response to XXXX and they will get back to me by XX/XX/XXXX!! My bill is due in XX/XX/XXXX, I will not pay for a stolen credit card charge when I alerted them the day of the charge. This is a platinum card that is supposed to have protection on it but it has n't protected me at all. I want the {$130.00} taken off of my card without me having to jump through hoops. This is the most ridiculous thing I have ever heard of and I will not pay this nor will I pay for any interest charges that occur due to this bogus charge.

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