vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I have written to Fidelity Credit Svc 4 times My 1st communication was to dispute this bill. I was quoted {$70.00} at the window I had XXXX people present with me I was to be billed for a consultation I spent less than 5 minutes with the doctor and medi-care would be billed They say I owe {$110.00} after billing my medi-care. I have sent them 3 additional letters which they first received XX/XX/XXXX with my requesting validation of this debt I again sent another request for validation which they received XX/XX/XXXX I SENT OUT A THIRD REQUEST FOR VALIDATION ON XX/XX/XXXX WHICH THEY HAVE RECEIVED and still no response from them nor have they deleted it from my credit reports Under the Fair Credit Reporting Act I have a right to dispute incomplete or inaccurate information and consumer reporting agencies must correct or delete inaccurate, incomplete or unverifiable must be removed or corrected. They wo n't even respond must less correct or dispute my claim I am exhausted from having to remedy my own complaints

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi enrolled me in an optional 'Credit Protection ' program without my consent. I called the phone number to cancel it at XXXX and was placed on hold for 40 minutes from XXXX to XXXX on XX/XX/XXXX. I had to log into their alternate website XXXX to cancel. 
I did not enroll in this service and had I not opened up what otherwise looked like another piece of junk mail they would have applied a surcharge of {$9.00} for every {$1000.00} carried as a balance on my monthly billing statement. Guess they learned this trick from 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 2015-07-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have just noticed an inquiry on my credit report with XXXX from Macys placed on XXXX XXXX. This inquiry was never done by me nor have i authorized it. I have not applied for credit in over 4 years so this was certainly not authorized by me. Please investigate this and remove it as i do not even have cards with this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have had a {$2.00} outstanding balance on my Macy 's credit card for 2 months, which has been paid online twice. I '' ve never had a late payment and I certainly do n't want one over a {$2.00} balance. I have tried to call and email regarding the balance but I can not get a live person at XXXX or XXXX ( which says they are available 24/7 but I hung up after listening to 10 minutes of advertisements ). I then attempted to " close '' my account but again had to hang up after waiting on hold for 30 minutes. I also tried the " contact us '' option on their website and it just took me back to " make a payment '. So, I have XXXX issues, a payment that was made twice online and did n't register and the fact that their phone systems and website just take you in circles and you can not a live person.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I applied for a Citi Double Points credit card earlier this year. I understood that I had set up autopay with my bank account, as I do with every credit card. A couple months later I received an email stating that my " late fees '' had been waived. I called Citi, explained the situation to XXXX different representatives, and understood that my autopay was successfully set up. Last week, I tried to use my card and the card was denied. I checked my statements and discovered that Citi had charged me XXXX separate late fees -- WITH NO NOTICE -- and apparently opted to suspend my card with no notice as well. The representative on their chat interface refused to refund my fees and threatened that I needed to make a payment as soon as possible. 
To be clear : Citi did not send me a letter, or an email, or a text or called me to inform me of any issues with my account. The only correspondence I received were emails saying, simply, " your monthly statement is available online ''. If they had bothered to contact me in any way to say they had n't received payment, I of course would have responded immediately to rectify the situation. Instead, they simply charged a fee, then another fee, then suspended my card. I will contact an attorney friend the week to seek clarification on whether this conduct on Citi 's part is illegal or merely unethical but regardless, a consumer should absolutely have the right to know if there is a problem with his account, and given an opportunity to address the situation, before fees are secretly charged against him. This smacks of a revenue-generating strategy and is undeniably a shady practice unbecoming a national company.

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 2015-07-27 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I want to open a complaint against the following XXXX department Store there reference account # is XXXX. I have been since the beginning of the year 2015 asking for a SIGNED CONTRACT DATED by me. They have not sent me any information since. I have asked also all three credit reporting firms for proof of this account. I understand that All 3 credit firms can not supply. But I have asked XXXX for valid dated signed proof more than 5 times since the beginning of the year. NOTHING!. All they say is " yes this account is yours '' I go back to them telling them these letters are not enough, I WANT A COPY OF THE CONTRACT WHERE I SIGNED AND DATED PERMISSION TO OPEN THIS ACCOUNT. Please I need help. This is hurting my credit report. I am starting a new clean plate on this issue doing this online with cfpb, I have spent a large amount of money, I have asked everyone for proof. The amount of letters - paper ink wasted on asking these people for valid proof. Please someone in this firm help me ask this company for valid signed proof. If they do n't have my valid signature, then remove this from my credit file immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
We got a call from Macy 's department store on XXXX XXXX, 2016 asking me to contact them immediately. I did and to my surprise they told me that I have a balance of {$150.00} which is two month delinquent. They also told me that they have informed all credit bureaus, which basically ruined my credit score. I have worked so hard to keep my credit clean for 20 years and is ruined now because of {$87.00} worth of purchase that I have never made. 

I used to have an a/c at XXXX 15 years back but never purchase anything from Macys. I told the Macy reps that it is a case of fraud and I did not use or authorize anyone to purchase on my behalf. They referred my cast to their fraud unit and she told me that I need to find a claim and she would send me claim form and I need to know my account number and the amount owe. I told her that I did not have an account and if she can send me the billing statement. She told me that the company policy does not allow that. After pressing she agreed to send me the billing statement through e-mail. During that discussion she told me that they have an old email ID that I do n't use anymore. She told me that the company acquired another company and the e-mail system got all messed up. 
During her discussion she asked to call her back again now with my wife to make sure that she did not make any purchase. I told her that this is my account it has got nothing to do with my wife. But, I wanted to settle this issue as soon as possible. 
We called back the same night and again went through the same procedure. The XXXX fraud unit specialist promised that she would send me claim form, billing statement, put stop request for collection or debt reporting. 
I have been getting 3 calls per day since then from Macy ' Debt collection and they just advanced another month of delinquency and thereby ruining my credit. I have worked so hard to keep my financial record clean and had an average score of XXXX. Now, it is ruined because of Macy 's. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i was issued a credit card thru citibank, a visa card to replace my XXXX costco card without my permission before the due date on the previous card was due for payment. I tried to make payment and was given instructions to call citibank and pay them. I called on four different occasions and could never get thru and then found a number online and waited about an hour before i was able to make payment but still could not cancel card and was told i would have to call another number. I did that and finally got thru to someone to turn off card and started thinking, how is this legal. I never asked for a different company. It seems to me that they should have given you a choice to accept the new company or just pay your bill and they would cancel your card when it became obsolete. I did not want another visa and especially one with a 15+ interest rate. I can see citibank making a lot of money charging interest fees on money that was transfered to their high interest cards with no easy way to pay. I have never had a buisness or credit card company do that before and the letters they sent out were misleading. They kept saying do nothing. I assumed i would get a closing bill with an option to switch. That would have been the right thing to do, instead they did the sleazy thing that pretty much seemed like bait and switch to me. Is there a way to keep companies from doing 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 monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I signed up for a Citibank " Citigold '' account which offered a sign up bonus if I completed certain transactions. I did that, and they sent me a message ( attached ) saying " Upon reviewing your account, I am happy to confirm that as of XXXX/XXXX/16 you have completed all requirements for this promotion. You can expect your XXXX miles XX/XX/2016-statement cycle. '' Despite this, they now claim that I 'm not eligible. Clearly they stated that I was able to receive the bonus. It is totally unacceptable to now change 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 non-monetary relief
Consumer complaint received 2016-07-12 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 applied for a Citigold bank account in response to an invitation from Citibank, offering me XXXX XXXX XXXX bonus miles within 90 days of completing XXXX banking activities within 60 days of account opening ( 1 bill payment for 2 months + spending {$1000.00} on the Citi debit card ). I completed the promotion terms in XX/XX/XXXX, and received confirmation from a Citi phone banking representatives that the bonus miles should post " shortly '', but maximum within 90 days, so maximum by XX/XX/XXXX. It is now XX/XX/XXXX, and I have called Citibank multiple times to enquire about the status, and I keep being told that it should come through " soon '' and that they are backed up on addressing such queries. At this point, Citibank is flat out in violation of the commitment they made to me in the offer, and have not made a reasonable effort to remedy the situation.

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 2016-07-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I signed up for the Citigold Checkings account from Citibank on XX/XX/XXXX. I signed up for the account because they had an offer saying that if {$1000.00} of purchases and 1 bill payment were made within the first 3 months of opening the account, I would receive XXXX XXXX XXXX Reward miles. I have contacted Citibank various times through phone, secure messages and chat. In these ocassions, I 've been told that I had fulfilled the requirements and I would be getting my miles soon. It is now XX/XX/XXXX, and after contacting Citibank one more time they are telling me that I do n't qualify for the offer and that I wo n't be getting the reward miles.

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 2016-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank offered a promotion for me to open a new checking account. I applied using the promotion code and was accepted. The acceptance on the code gave me the steps needed to receive my bonus points with XXXX XXXX. I met all of the requirements and confirmed with Citibank. Citibank Agents confirmed the requirements were met and bonus points would be posted. After many months and multiple communications Citibank denied my bonus stating " you were not targeted for this offer ''. This was not in the written promotion and not part of the application disclosure. Citibank owes me XXXX XXXX XXXX XXXX or they fraudulently dealt with me and misled me into opening a new account and depositing my money. 
The promotion code issued by Citibank was : XXXX. When I opened my new Citi Gold Checking I recieved this confirmation electronically : " When you opened your new Citibank checking account by XXXX/XXXX/2016, you provided the special offer code XXXX to be eligible to receive either : XXXX AAdvantage ( R ) bonus miles after opening a new consumer Regular Checking account in The Citigold ( R ) Account Package ; OR XXXX AAdvantage ( R ) bonus miles after opening a new consumer Regular Checking account in The Citibank ( R ) Account Package ; OR XXXX AAdvantage ( R ) bonus miles after opening a new consumer Regular Checking account in The Basic Banking Package and completing the qualifying activities indicated below. '' I have communicated this request verbally on multiple occasions, in electronic format at Citbank online, and in writing via certified USPS mail. All have been met with no response or a response indicating that Citibank will not issue the bonus points as promised. Please help me resolve this. 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 non-monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for XXXX Costco card. Around XXXX XXXX, 2016 I received a bill from Citi informing me I was late on a payment. I never signed any customer agreement with Citi, and now they are charging me late fees for a renewal charge I never authorized.

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 2015-05-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I had misplaced/lost my citi credit card and promptly reported this ( online to block the account ) and called the customer service on XXXX XXXX, 2015. I was informed that I would be receiving a new card in XXXX days. In addition, was given some bull about the card, which I know for a fact to be untrue. On pressing for additional details, the agent clammed up. 
I called back on XXXX XXXX to inquire about the status. The rep ordered an additional card ( which I did not ask for, all I wanted to know was the status ). 
Been 14 days since the XXXX report ( call ) and 7 days since the XXXX and no card yet. Called again today, XXXX XXXX and was asked by the rep if I would like to close my account. 
Been a citibank customer for over 7 years and this is the XXXX time that I 've faced such an issue with the card not being sent out and jerked around by the call center reps. 
It 's getting increasingly difficult to deal with call center employees who do not understand/care, do not give a straightforward answer and cause additional hassle, after getting through the IVR and waiting on queue to speak to a human being with the expectation that the problem will be solved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Booked several domestic flights for my trip to XXXX using my credit card rewards program, Citibank ThankYou Premier, using their own website that is advertised when accessing the Account. I was assured I 'll get protection from all parties : the agency providing the travel, the Rewards program and the credit card ( as it offer some travel benefits ). 
During the trip, I had an issue with XXXX flight, that was cancelled. 
I tried, for several times, to contact all of the above mentioned providers, using the phone numbers they provided. All numbers were blocked for collect call, contrary to what they advertised. I tried to place collect call through at least XXXX providers : XXXX, XXXX and a local phone operator. All of them informed all numbers were blocked, and I was unable to contact any of them. There was not option to contact them online. The Travel Operator did not reply my twitter message asking for help. 
The numbers provided and called are : Travel partner ( from their confirmation email ) : Outside the U.S., please call collect at XXXX Citibank ( printed in the credit card itself ) : INTL COLLECT : XXXX. 
I spent one hour trying to contact them, got very frustrated with this situation, and was already stressed by the flight cancellation. I returned to the airline counter and was informed I have to deal directly with the travel agency ( credit card/rewards ) since I booked from them. 
I was left without any assistance. 
I have to say I 'm lucky it did n't include a health issue. The credit card claims they provide this and other benefits. I 'm happy I did n't have to rely on them for anything else. 
Anyway, I absolutely regret using Citibank services, and next time I know I have to use my XXXX XXXX XXXX card for all travel related purchases. Citibank is an enormous failure. This is not the first time Citibank disappoints me. When I opened the account, I also had an issue having the card delivered and Citibank did nothing to remedy the situation. 
I need to be partially refunded for this lack of assistance and for the frustration and additional stress it caused. If I 'm not compensated to my satisfaction, I 'll obtain a extract of the call attempts and take it further.

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 2016-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/XXXX I had put in for a remodification application with my bank ( then it was CITIMORTGAGE ). I had done everything they asked me to do. Almost a year and a half later I got a foreclosure letter. I immediately went to a financial institution and payed to do the remodification through them. After about 11 months I got a bad remodification. I was paying 6.375 % rate on my regular loan ( originally {$380000.00} ) which I had a balance of {$360000.00} left. After remodification, I was given a 5 % rate and they had tacked on {$44000.00} to the back of the loan ( so at this point my loan is {$400000.00} ) and made it a 40 year mortgage. A year later CitiMortgage sold my loan to another company. In XX/XX/XXXX I was looking to refinance my mortgage and my broker found a discrepancy in the balance from CitiMortgage. In the remodification, they had added {$10000.00} for " attorney fees for foreclosure ''! I never went through the foreclosure process. I had gotten in touch with CitiMortgage and got bounced around for a while and no one could answer my question on getting my money back or how I got such a bad deal on the remodification. The remodification had put a big strain on me financially and mentally and I felt like I had no other choice but to accept what I was given. I am tired of getting screwed by big companies and feeling like I just have to sit there and take it. I would like to get my money back from CitiMortgage with the interest I have been paying on it since the remodification!!! I have all the documents from my remodification process and refinance. Please help me, I do n't know where else or whom else to turn to!

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