vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I 've been calling them for over a week to get information on my application status. They 're customer service department is rude and unprofessional. I had to have my issues taken all the way to the top level of customer service and no real effort to try to keep a dissatisfied customer happy was made. I was highly referred to Citibank by a longtime customer. I have n't asked for any type of monetary compensation for the hours I 've spent on the phone with them, nor am I looking for any. I 've asked for my account to be closed in a timely manner and my deposit to be refunded in a timely manner or my card to be overnighted. They were unwilling to fill either request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: HI

Complaint narrative:
Lending Club approved my {$15000.00} loan. On XXXX/XXXX/16, only {$14000.00} was deposited to my bank account. When I inquired on XXXX/XXXX/16, Lending Club noted that there is a {$900.00} origination fee and I only had 72 hours to cancel the transaction from XXXX/XXXX/16. I was advised that the only option was to pay the full {$15000.00} plus interest. I ended the call. 

Today, XXXX/XXXX/16, I spoke with XXXX, a supervisor from the payment department, requesting an early payment ( I never used the {$14000.00} and needed time to come up with the additional {$900.00} to close the account ). I explained that only {$14000.00} was deposited, and now I owe {$15000.00} ( {$900.00} origination + {$320.00} interest ). I wanted some relief, however, she could not reverse the fees or offer some help. 

From a consumer standpoint, I strongly believe this is unfair and abusing lending practice, especially since I wanted to return the money after discovering this sham. The website makes it easy to take a loan, but puts the details in " fine print '' making it a financial hardship for consumers to repay once we hit " accept ''. I still have the {$14000.00} in the bank and not have to cought up $ XXXX for a transaction that I wanted cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
For the last few years, I have been receiving credit card bills or solicitations with pre-printed checks. I think this is a dangerous practice should someone steal your mail or you throw these away unaware that pre-printed checks are in the envelope.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
The week of XXXX XXXX, 2016 I made a call to CitiCard Customer Service to proactively call and let them know my credit card payment was going to be late for the month of XXXX because I had transitioned into a new job and was waiting for my first paycheck. I requested for the customer service rep. to provide assistance with a forbearance, due date change, or forgiveness due to my situation. The customer service rep. assured me that I would have nothing to worry about, thanked me for my due diligence of calling in to let them know my payment was going to be late and that if I were to receive a late charge I should call back in to request for the XXXX late charge to be removed. This evening, XXXX XXXX, I called to request for my XXXX late charge to be removed, explained my hardship again and explained I will not be late going forward and I was told that my payment was late due to my own error and not a bank related error they would not be able to assist me. I find this unbelievable that a company would treat their customer in this way. I could have just avoided them for a couple of weeks until the payment was withdrawn from my account, but I did n't. I gave them notice that I was having a small and temporary hardship and I feel like they took advantage of me. They basically assured me that my account would be okay and mislead me to get me off the phone and on to the next customer call. Due to this, knowing the risk involved I closed my account immediately further damaging my credit, all because this bank wanted to take advantage of my situation. The sad thing is I know I am probably not the only person who tried to do the right thing and be proactive, but for what?

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: APR or interest rate — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This concerns AT & T Universal credit card, which is a Citibank product. I have had an account for years with them. I pay my credit card by accessing their website and scheduling a payment to be deducted from my bank account, after I receive my statement. I annotate my ( electronic ) checkbook register as to the date I schedule the payment, which is shown in the register to be paid on the due date. My payment history shows a late payment here and there over the last five years. It also shows that the allegedly late payment is made immediately upon notice the payment is late. I have been perplexed by this as I am vigilant about credit card payments and do NOT have this issue with the numerous other credit card vendors with whom I do business. Based on this week 's recurrence, I now believe that Citibank deliberately but randomly fails to pull the scheduled payment to support its decision to maintain a default interest rate on the account. Up until today, I had not had a defaulted payment in a year and a half. I have been demanding a reduction in the interest rate ( it sat at 28.99 % after ONE day-late payment in 2012 for months, and has failed to drop below 25.74 % since then. I will upload the complaint I filed THIS WEEK with Citibank before this latest stunt. I can not help but believe they are doing this to consumers everywhere, as it is very hard to catch them at it. I have been blaming myself for inattentiveness for years but am now convinced that they have a deliberate policy in place. Also attached is a snapshot of my chat with them this morning. After my last comment, I received absolutely no reply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a Macy 's credit card account which has been in good standing since XXXX. In XXXX, XXXX I purchased a dress for {$100.00}. In XXXX I paid {$30.00} to my Macy 's account and then later in XXXX, I returned the dress and made a purchase of around {$40.00}. I was thinking that with the {$30.00} payment and the return, I was probably about even and assumed I would receive a bill for the balance, if there was one. I have not used the Macy 's card since XXXX. In XXXX I reviewed my Fico score which is provided by XXXX XXXX XXXX and I noticed that it had suddenly dropped from the mid XXXX 's to less than XXXX for " delinquency ''. But I was unaware of any accounts that were delinquent. I then pulled up my credit report and saw that Macy 's had reported me to all XXXX credit bureaus as being 90 days delinquent, which greatly impacted my credit worthiness. I looked online at my Macy 's account and saw that I had a balance of {$12.00} in XXXX and then fees and interest had been added for the next XXXX billing cycles. I saw that my account was " late '', that I owed {$35.00}, and that my available line of credit had been dropped from {$4800.00} to {$300.00}. I immediately paid the balance. My complaint is that Macy 's never called me, sent an email or mailed me a bill. There was never any notification to me, by Macy 's indicating that I had a balance due. Now, because I was never properly billed for the {$12.00}, I have bad credit. I am hoping that there is some way this could be remedied, especially considering the low dollar amount that I owed and the fact that I had never been late in the past.

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 2015-03-31 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have all my credit cards on Auto Pay. XXXX including a car payment. Citibank credit card na of South Dakota now processes Home Depot Credit. I have been getting late fees and put into collection because Citi transactions with the bank have failed. Money is in the bank but they seem not able to access it. I do n't no they ca n't access it on my Citi cardI have never had an auto pay fail, what is the point if you ca n't trust them. I 've explained this to Citi so many times but the reps just want to keep updating auto pay. 
I wrote them a letter. An never heard back. 
I must have gotten a call every Sunday for the last four months. 
I am now sending them a demand letter. ( copy attached ) A demand letter needs an address but my SState says I can give to a teller? What! 
Also, Citi should make the address for registered agent clearly available. If they do n't want to talk to you. You should at least have the right to serve them. Citibank na ( South Dakota ) The branch of Citi that manages credit cards. Do they have a registered agent? 

I want Citi to clean up my relation with Home DepotI want Citi to clean up the all late fees on Citi Card and Home DepotI want to compensation for my credit being damaged, calls which were so misinformed they talked about my old bank'I wanted to compensation for negligence and advertence of the issue so late charges would mount. 
Customer service having conflicting or no data about current information. 
Customer service armed with only half truths causing conflict. 
Citi to pay a fine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX XXXX, I created a CitiGold account, and as an existing Citi AAdvantage credit card customer I was given a promotional bonus offer ( XXXX ) which promised XXXX AA miles on satisfying spend and bill pay requirements. 

I completed those requirements by XXXX XXXX 2016, as confirmed by the agents ( confirmation attached ). 

I then waited over 90 days, as per terms and conditions. 

But I still have n't received the bonus miles as promised, and the $ XXXX monthly fees will be racking up.

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 2016-08-17 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I asked Citi Bank executive response unit to delete their inquiry off my XXXX credit report because I wanted a business credit card not a personal credit card & they used my social instead of my EIN. 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 2016-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Rescue funds brought this mortgage current in XXXX of 2016. {$1200.00}. Attached is the letter used to show amount needed to reinstate the loan at the time, with a date it had to be sent in by. Since then, the borrower has made each monthly payment. She was informed recently that she is delinquent again in the amount of {$400.00}. This should not be possible, as the rescue funds reinstated the loan to current and the borrower has made each payment since. I contacted CITI on XXXX/XXXX/2016. I spoke with a woman named XXXX. I asked her how it was possible that she is delinquent again when we sent in a check for the exact amount they told us to. She would not give me information about when the payment was due from, she stated " she did n't know. '' But, she " thinks '' it was from somewhere back when the client filed bankruptcy. If that was the case, then why was this amount not included in the amount given to bring the loan current in XXXX? The only assistance she could offer was to send a " payment history '' to the client that we can review to find out where the payment became delinquent. Please see attached " payment history. '' I have been XXXX for 4 years and I certainly can not understand the document they sent to the borrowers. I have no idea how a borrower is supposed to understand it. The borrowers are on a fixed income and the amount sent to reinstate the loan was a one-time payment. What we thought would ( and were told ) would bring the loan current. CITI stating the borrowers are still delinquent is incorrect and extremely frustrating, especially when they will not tell you why or how.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I bought a home XXXX took out a mortgage and later filed bankruptcy. This mortgage was included in bankruptcy and the debt was discharged. The servicing rights to this mortgage were bought by CitiMortgage while still in bankruptcy and before the debt was discharged. After the debt was discharged, Citi was asked to reafrim but they refused. They continued to reporting this discharged debt to XXXX XXXX ( still do ) as current " paid as agreed. '' Now I receive notice that my mortgage is delinquent and Citi will not remove PMI until the late charges assessed post discharge are paid in full. 
The issues are if the mortgage debt was discharged in Chapter XXXX bankruptcy and payments are now voluntary how could the mortgage have ever be late. Second, since Citi continues to report the debt " paid as agreed '' to the Credit Bureaus, why are they telling me my voluntary payments are past due? Third, why are they charging late fees on discharged debt and are threatening to keep charging PMI until I pay late charges since payments are current? 
Citi would not enter into a reaffirmation, the debt was discharged, payments are voluntary and Citi said at the time of discharge if payments are not made they could still foreclose not that they would charge late fees. 
I have been unemployed since XX/XX/XXXX and have exhausted my retirement savings to avoid foreclosure while trying to find work - Citi has n't offed a bit of help! Just more and more grief ... Can the CFPB offer any suggestions?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a vacation package through a company called " XXXX. '' Within a few days they were not responding so i made ever effort to cancel. finally i filed a dispute with Citi Card a few days later. I can provide a number of documents that show this company just steals money, provides no services. They promised to buy my old timeshare from a company called " XXXX '' that did not happen. So Citi Card took the charge off, put it back on, took it off and once again put it back on. I did file a dispute less than a week after the purchase and provided them with all of the info and they wo n't give me any details as to why they keep putting it back on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/2016, I was induced to open a Citibank CitiGold Checking account with a bonus offer. The bonus offered XXXX AAdvantage points in exchange for opening a CitiGold account, making {$1000.00} in debit card purchases, and scheduling two bill payments from the newly opened account. Over the past month, I 've reached out to Citibank trying to obtain confirmation of when my AAdvantage points would reach my account but they 're either blatantly ignored me or given me a broad explanation of why I may be denied the bonus. My attached document provides a timestamped breakdown of my inquiries with them.

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 2015-08-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc.
State: TN

Complaint narrative:
There are XXXX issues, I will describe them separatley. 
The XXXX issue, CarMax XXXX XXXX has called multiple times in the last year, they would leave a message and when I didnt return the call right away they wouild continue to call my cell phone multiple times in the same day. Perhaps they were using and auto dialer, I 'm not certain but in any case I think it 's illegal to leave a message and then call back the same day. 

The XXXX issue,, my account is past due I 'm aware of that. I spoke with CarMax XXXX XXXX XXXX times on XXXX, I explained my situation and scheduled a payment. At that time I was assured that if I paid a payment before the account went past 84 days they would work with me and not send the account for repo and be willing to work with me to bring the account up to date. 
I scheduled the payment with my debit card for XXXX, they assured me this was ok. The payment was deducted from my account on XXXX as promised. 
I received a letter from CarMax XXXX XXXX dated XXXX and delivered on XXXX that my account has been referred to the repo department.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: LOAN TO LEARN
State: FL

Complaint narrative:
Years ago this loan company deceived into thinking I had a lower interest rate than what I really did. They " compared '' federal rate with their rate when in reality they were compiling them. Months later after paying every month on time and more than required I looked at the balance and saw it was not going anywhere. I called to see what had happened and they said they applied the money to interest that had not yet even been accumulated. This is when I realized all they had done. I tried to change their rate and fix the payments and they would not budge despite deceiving me. So I stopped paying and they sent me to a collection lawyer. They refuse to close the account and settle up with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had a citibank credit card for years while I was married. I was divorced at the end of XXXX, the divorce decree gave all of the marriage debt to be. I called citbank on numerous occasions to work out some payment plan but they refused. I contacted XXXX and they worked out a payment plan with Citibank that I am paying. Citibank however continues to report me as chargeoff and delinquent even though I am paying as agreed a reduced payment / settlement. In addition they also continue to report an in accurate home address for me. I ask only that they report my correct address and that they report me as paying a settlement as agreed. They say they will not change a thing until my debt is paid in full in XXXX, so they are continuing to damage my credit even though we have reached a settlement and I am paying as agreed.

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 2016-05-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I experienced identity theft and notified XXXX XXXX, XXXX, XXXX, XXXX and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. XXXX, XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.

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