vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XXXX/XXXX/XXXX I tried to deposit a check through the HSBC mobile app on my cellphone. I received a message that it was unable to process my request. I went directly to my local branch and I deposited the actual check. On XXXX/XXXX/XXXX I received a debit from my checking account basically noting an error occurred for a duplicate check deposit. ( Apparently the mobile check was processed ). On XXXX/XXXX/XXXX HSBC corrected the error and debited my account to correct the error. Now, here occurs the problem, on XXXX/XXXX/XXXX I received another message/debit stating the same error message I received back on XXXX/XXXX/XXXX referencing the duplicate check from XXXX/XXXX/XXXX was deposited twice and HSBC was debiting my account to correct the error. This error had already been corrected so I stopped in to the XXXX NY HSBC branch. A representative by the name of XXXX pulled up my account and said she did not see the error. She explained I must have shaken the phone to have made the duplicate deposit. I tried to explain the backstory, she did not listen and tried to say it was a User error. I tried to show her the transaction on my phone and point out the discrepancy but she simply said her computer did not reflect any errors. She said when she went to her " home '' branch on Monday she would look into further. XXXX/XXXX/XXXX Monday I received a call from XXXX saying she saw no discrepancies on her end. I asked to speak to her supervisor and she said she was the supervisor. I told her this is unacceptable becaus it clearly shows XXXX debits from my account. I went on to try and explain that only XXXX debit was needed to fix the error. We went back and fourth and finally I told her I would escalate this through corporate. I was not getting any assistance from her. I called HSBC XXXX and was told by the represenative on the phone she could see the error and she would process the request to have it resolved. However, based on the correspondence with " XXXX '' the XXXX NY branch service manager I would like to have this escalated to ensure it is properly corrected in a timely time frame. The contact I have for XXXX is XXXX. I feel it is necessary to point out that XXXX was very rude and condescending. I will be looking into switching banks based on her poor customer service and Unprofessional attitude in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX issue with my citi credit card account!. I filed online on XXXX/XXXX/15 for an electronic payment to be posted to my account of Friday XXXX/XXXX/15. Citi debited it from my account on XXXX/XXXX/15 which caused an overdraft. Then when the payment was processed from my bank on XXXX/XXXX/15, CITI says they have posted the payment to my account but it is still not available on my line of credit as of XXXX/XXXX/XXXX. I have an unauthorized recurring charge from XXXX NY a dating service which i unsubscribed to several weeks ago. Since then CITI has authoriized XXXX charges of {$49.00} to the merchant and not only will they not refund they stated they can not suspend/discontinue any further payments to the vendor even thoughI have reported it as fraudulent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: American Collection Systems, Inc.
State: DC

Complaint narrative:
The number I called above they told me they do n't have my case at there office. I tried contacting the medical center and they told me to contact the debt collector. I made two payments but they do n't reflect on my credit report and the amount is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was targeted for and completed the requirements for a checking account/debit card. The requirements were completed in early XXXX. I confirmed I had met the requirements via online chat and was told I would receive the bonus XXXX XXXX points by the end of XXXX. During the first week of XXXX I contacted Citibank via online chat to ask about my missing points. An investigation was opened and I was refused the points saying that there was no such promotion when I opened the account. A second investigation has been opened and my points are 'pending ' and should be in my account in 60 days. It is ridiculous that should have to wait XXXX months to receive a bonus and jump through multiple hoops to get a promotion that I was offered. I will be very wary of dealing with Citibank in the future.

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 2016-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Kross, Lieberman & Stone, Inc.
State: GA

Complaint narrative:
I accepted a settlement agreement with this agency. I paid off the debt as arranged ; however, this agency has failed to do its part and have the debt removed from the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I was the victim of a home repair scam across state lines related to my home in XXXX, I live in XXXX. The company advertised an amazing deal for certain services and I gave them my credit card number so they could charge me when they completed the job. Instead they ran up my card over {$1400.00}. Double what I originally discussed with them and all of it despite not having finished a single project. All they did was send me ONE " before '' picture with them supposedly working and XXXX update of XXXX wall being partially painted. When I saw the charges I disputed them. XXXX responded by forging my signature on invoices and submitted to Citibank - they claim I was present at the time of sale to sign off on the work. This made Citibank say that my dispute was regarding the " QUALITY '' of the work done. There was not enough/NO work done to dispute the QUALITY. I submitted over XXXX pages of documentation to support my claim including : Proof of forgery of my signature including a police report, bank records showing my real signature ... And a Police Report number where I am pressing charges. 
Proof that we could not have been at the property at the time of sale ( as the merchant alleges ) because medical and employment records have me and my mother in XXXX Communications from XXXX themselves that they could not complete the job because of personal problems, backed up by phone records. 
A CERTIFIED inspection from a XXXX Licensed Inspection Company detailing that the work being billed was not done. Not that the quality as bad or in question ... THAT IT WAS NOT DONE. 
Invoices where I had to hire another company to do the work XXXX did n't do. Stating that less than XXXX % of the home had any projects BEGUN. 
XXXX and Realtor documents showing the home was pulled off the market for " repairs '' and kept off the market for an extended period of time, with emails from the Realtor informing me that work is not being done on the house. Repairs that were not done until AFTER another company was hired. 

I have phone recordings of Citibank Dispute personnel telling me I had one of the best documented cases of unauthorized billing they had ever seen. One Supervisor even gave me her personal email so I could send her my documentation directly vs. responding to disputes @ citi email. Yet, not once but TWICE Citibank has responded that the charges were " valid '' .... No, they were not! Forgery is not valid. Charging more and more often than authorized is not valid. Starting a job just enough to take a picture and convince me that work is being done and then NEVER ACTUALLY DOING IT is not " valid ''. This is not about the QUALITY of work, there is no completed work to judge the quality of. Citibank is protecting its interests in ruling the way it did, despite common sense and a preponderance of evidence.

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 2017-01-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Gradually increased minimum payment above my externally preset ( personal checking ) auto-pay amount. Made no attempt to inform me that I was past due other than emailing me to tell me my statement was ready to view. No collection attempts were made, no phone calls, no emails, no letters via post office.

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 2015-10-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank just acted most unfairly by charging me late fees without any type of notice. I only came to know about after seeing the results from my credit report where my FICO score has been impacted by reduction of XXXX points for a delay in payment for which there was no notification provided. After seeing the issue I went onsite and tried to reason with them and they still charged me {$80.00} over the original charge of {$20.00}. The most disturbing thing is that I have XXXX additional cards with Citibank which have never been late. It is also sad that they did not send any type of paper based statement to indicate delay or even considered making a phone call to indicate that there was delay in payment but kept charging me and then ruined my credit by reporting to XXXX without considering the ultimate consequences on my overall future to get great credit opportunities. I will like them to make amends by at least making sure that this negative information is removed from my credit report and ensure that an apology is issued to me for causing this level of stress.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Best Buy/CitiBank Cards is trying to rebill me for something that happened several months ago. I filed a dispute because I returned a TV for {$860.00}. I provided proof that it was returned via USPS and they 're now re-billing me for it when the dispute was filed back in XXXX. According to the LAW, a bank or company has up to 90 days to resolve a dispute, that time frame has passed. Also I have contacted them several times about this and they 're refusing to work with me. This is n't the first time they 've done this to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
HelloI have been sued by Citibank for alleged credit card charges. I would like information regarding the US Consumer Financial Protection Bureau said " XXXX consumer bank has been ordered to pay {$700.00} XXXX in relief to borrowers for illegal credit card practices '' and any other action regarding Citibank consumer fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
We moved from XXXX to XXXX for better jobs and higher education. Our house in XXXX was listed for sale. The mortgagor is Citi Mortgage. 
The house has still not sold, and we can not afford our living expenses plus a mortgage payment, so we began an application with Citi for short sale or DIL. We spent months submitting every scrap of documentation they requested. We received confirmation that our application was complete, and that a decision would be forthcoming. 
On XXXX XXXX, we received an email informing us that the house was sold in the sheriff 's auction on XXXX XXXX. 
The next day, XXXX XXXX, we received a letter in the mail from Citi stating that they had rejected our application for short sale due to our failure to submit certain documents. ( We submitted every document they asked for. ) Now, our house has been foreclosed, our credit is destroyed, and we have no opportunity to pursue a short sale because Citi sold the house *on the same day* that they rejected our application. 
A Citi employee finally revealed to me on the evening of XXXX XXXX that their negotiator had arrived at a price of {$110000.00} to satisfy a short sale of the house, which has a balance owing of around {$110000.00}. We were never informed of this. 
During the time we were waiting for Citi 's approval, the house was listed at {$120000.00}, and we received an offer of {$110000.00}. Being completely unaware of the negotiatior 's figure, we counter-offered {$120000.00} and the counter was not accepted. Had we known that a sale price of {$110000.00} would have met the bank 's requirement, we would have countered with that amount and possibly have gotten an acceptance from the prospective buyer. 
We feel that Citi rushed to foreclose on our house when our application for short sale was already completed, using the excuse of " missing paperwork '' to justify their actions. We were misled, intentionally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
We closed a loan ( mortgage ) with CitiMortgage in XXXX XXXX. A deed in lieu agreement was signed and recorded with the register of deeds in the county the property is located. A Satisfaction of Security Instrument document was signed by CitiMortgage, with wording that includes : this satisfaction terminates the effectiveness of the security instrument. Both of these documents are attached. CitiMortgage as of XXXX is saying this security instrument is open and we owe them an approximate sum of {$40000.00} as fees related to this loan. We have just become aware that CitiMortgage is now selling this closed loan to 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 2016-09-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX, XXXX charged me {$4500.00} to provide social media to my XXXX. XXXX, XXXX failed to provide any services that were promised. During this period of time I have been unable to get ahold of them to resolve the issue. Frankly I have been completely scammed by this company and want my money refunded.

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 2015-04-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a credit card statement and it contained a {$75.00} " fee '', which was not detailed and no explanation was given. I contacted Citibank and a representative reviewed and finally answered that it was an annual fee. I asked why this was not printed on the statement and the representative stated that it 's a known problem, and that he 'd share my concern with management. I felt that answer was insufficient and asked to be transferred to a manager to discuss why Citibank is placing charges on my account without an explanation. I waited on hold for XXXX minutes and the call was disconnected. Today I logged onto my account to verify a {$1000.00} payment I sent from my bank on Sunday had been applied and noticed my account was closed. I called Citibank and they said that it 's their policy to close an account if a customer questions the validity or usefulness of paying the annual fee if a call is disconnected while waiting to speak to a manager. This policy is not stated in my card member agreement, and is not printed or published on their website. This seems completely insane and incomprehensible. They stated I would have to re-apply to get the card again, including a credit check, which negatively impacts my credit. I have had the card for almost seven years, very actively used it, and never been late in payments.

Company public response: Company 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: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
It has been reported to the credit agencies by Citibank that we have missed mortgage payments and are delinquent. The reporting of this information by Citibank is an error and is false. As a victim XXXX we were told by Citibank that we were eligible for a forbearance on our mortgage payment. We were informed that the excused mortgage payments would be added onto the end of the loan. At the end of the forbearance, we started to make regular scheduled payments. Shortly thereafter, we received notification from Citibank that the entire balance for the months of the forbearance were due in full. When we called, we were told by Citibank that the information we received regarding the repayment of the forbearance amount was incorrect. Citibank stated that this was the result of inaccurate and misinformation being administered by customer service because of the unique situation regarding XXXX XXXX. Citibank further stated that in their effort to administer aid to XXXX victims as quickly as possible customer service was not fully knowledgeable of what procedures regarding forbearances were permitted. 

As a result, every mortgage payment we made was being applied to the payments due during the forbearance period thereby making our current payments appear late. We have been trying amicably to resolve this issue and have spoken to countless customer service reps, supervisors and have even written to the office of the President, to no avail. Even after sending us two separate letters stating that they would repair our credit, CitiMortgage has failed to rectify this matter. This has been going on since 2012 and our credit reports appear as if we have missed numerous payments. This is not possible because the forbearance was only for XXXX months and when it was over we started making payments and have continued to do so to date. As of XXXX 2014, Citibank sold our loan to XXXX and the misinformation and negative reporting has been continued by XXXX. We were with Citibank for close to XXXX years and never missed a mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Received this visa debit prepaid card for {$60.00} as part of a promotion from XXXX XXXX. The issuing bank is Citi. The card expired and according to your website we should request a replacement since the funds do n't expire for 5 years. Contacted Citi customer service at XXXX. We were told sorry. First spoke with an agent named XXXX and then a supervisor named XXXX. Thanks in advance for your time and attention to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX 2016, I went to Citibank XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) to inquire about banking opportunities. I was encouraged to open a Citigold account. Within the bank over the telephone, I opened a Citigold account after learning about an amazing promotional code ( XXXX ). Prior to finalizing the account details, we reviewed the promotional code requirements. I was assured that within 3 months of meeting the requirements, the miles would automatically post to my account. The promotional code and my AAdvantage account were then linked to my citigold account to make it easier to transfer the miles. 

My account was funded with {$1500.00} on XXXX/XXXX/16. I met the promotional code requirements within two moths of opening my account. I spent {$1000.00} in debit card purchases on XXXX/XXXX/16. I had two consecutive automatic bill payments to XXXX XXXX on ( XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16 ). In XXXX, I called Citigold ( XXXX ). I was informed I had met all of the promotional code requirements. On XXXX/XXXX/2016, I called Citibank again. I was told the XXXX miles would be deposited into my account within 90 days of meeting the program requirements. On XXXX/XXXX/16, I was informed " Unfortunately, there was not an XXXX XXXX promotional offer in conjunction with the opening of your account. While Citi does offer XXXX mile promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I was shocked. I immediately appealed the decision to the Citigold representative. On XXXX/XXXX/16, I received the exact same letter without any additional information. 

I do not understand why my account does not quality for the promotional offer XXXX, which was offered to me from within Citibank. On XXXX/XXXX/16, I was informed for the first time that this promotional code was not targeted to me. This does not make sense. From account inception until XXXX/XXXX/16, there were multiple telephone calls with Citigold confirming that my account had met the promotional code requirements with the miles to be credited to my account in the near future. As I had no reason to suspect there would be an issue, I do not have a log or transcription of any of these telephone calls. However, I suspect there are multiple internal notes linked to my account within the Account Services department. 
I see no other recourse than to file this complaint with Citi.

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