vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Citibank promotional offer for XXXX american airline miles for opening a citigold account. Opened account in XXXX XXXX, completed prerequisites in XX/XX/XXXX, points have not shown up as of XXXX XXXX XXXX. After many messages with Citi, points were promised on XXXX/XXXX/XXXX, never showed, now my case is thrown in a pile with a huge backlog, i 'm told.

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 2015-05-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2015 I attempted to use a a XXXX XXXX XXXX. This card denied to be used. 
I reviewed the card and it had a valid thru XX/XX/2015 date. I had not needed to use the card untiltoday. I contacted Citi Customer Service on XX/XX/2015 to have the card reissued. I spoke with XXXX # XXXX and supervisor XXXX # XXXX. Both representative indicated that the card could could not be re-issued. There was {$200.00} on the card. And, that the {$200.00} was lost.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Southwest Credit Systems keeps calling and will never tell me who they are or why they are calling without confirming my personal information first. I ask why they are calling and they say they cant tell me untill the info is confirmed. All they tell me is its in regard to a personal business matter. I only found the company name by calling the number back and the recording told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solidus Group LLC.
State: FL

Complaint narrative:
For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX XXXX..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular one - XXXX, XXXX XXXX & phone # XXXX & # XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX 2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 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 received an offer in the mail for a XXXX Checking account which stated I would receive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX miles after opening the account and meeting the promotion terms. 
I met the promotion terms, but never received my miles. I opened an investigation with Citi regarding the promotion, and at the end of the investigation Citi determined that there was never any promotion attached to the opening account. 
This is an absurd " resolution. '' I received a letter in the mail in my name from Citi offering the promotion, and the customer service representatives I spoke with before opening the account and after opening the account all confirmed that I am eligible for the promotion. 
Now that I 've met all the promotion terms and conditions, Citi is refusing to give me the XXXX 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 explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Best Buy XXXX placed 37 separate calls to my phone over a 6 day period for collection of an overdue amount of {$53.00}. Calls occurred between XXXX and 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 2016-03-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I paid the wrong Citibank credit card by accident at the beginning of XXXX by {$9000.00}. There is a credit to my Citibank credit card in the amount of {$9000.00}. They have yet to send me a check for the credit after numerous requests and telephone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a second complaint to follow up on my previous complaint against the Bloomingdale 's card. Bloomingdale 's improperly credited a returned item by sending gift cards instead of crediting the credit card account - notwithstanding the fact that Bloomingdale 's card had agreed to credit the account prior to the return being made. Subsequently, Bloomingdale 's promised on numerous occasions over more than 10 hours of phone calls from me to them, to fix this error, but never did and instead ended up reporting me to the credit agencies. After a complaint to the CFPB, Bloomingdale 's finally fixed this issue ( thank you CFPB! ). However, I have now received a new invoice from Bloomingdale 's showing finance charges due related to this issue. I had not charged anything else on the Bloomingdale 's card, so there could be no other source of this finance 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
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I applied with CitiMortgage, the servicer, in XX/XX/2015 for loan modification - particularly for interest rate reduction from current nearly 7 %. After I provided them with all documents they asked, they would change the customer service representative and the new one will ask for everything again. This has been going on since XXXX, 2015. I do not think they want to reduce the interest rate and want the program to expire. 

My property address is XXXX XXXX XXXX, XXXX, MD XXXX. The loan # is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a XXXX/XXXX XXXX credit card. XX/XX/XXXX, I was informed that due to the disolution of their business relationship my card would no longer be valid starting XXXX XXXX. I proceeded to replace it with another XXXX XXXX card in XXXX XXXX and kept the previous one so I would not affect my credit score by canceling it. 
XX/XX/XXXX I received a letter in the mail from Citibank, stating that the XXXX/XXXX card is being replaced by a Citibank/XXXX card and that I would be receiving mine before XXXX. Since I had already replaced the credit card with another XXXX XXXX and have the number of cards I need and want, I called the XXXX-Citibank office immediately to let them know that I did not want to have the credit card sent. To my surprise, I was told that I could n't stop the process and that I will be receiving said card soon. Ever since then, I have contacted XXXX and Citibank both written and by phone, to no avail. I keep getting the same response, that regardless if I want it or not, I will still receive it because they have my information in their database already. Two weeks ago, I received another letter in the mail saying that my card will be on its way soon. 
I am frustrated and disgusted, to say the least, by the unethical way that these companies are conducting business. It can not be legal to force a customer to accept a credit card that has been expressly declined and I absolutely refuse to keep it. A credit card is a serious issue and canceling it, will affect my credit score. Citibank has failed to respond to my complaints and I need help stopping this process before I receive their credit card. Please let me know what I can do. This is a violation of my rights as a customer.

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 2015-03-31 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a case number Case number : XXXX received a letter from XXXX, XXXX FILE # XXXX, Date XXXX XXXX, 2015 saying that my settlement amount is {$69000.00} and i have time to respond till XXXX XXXX, 2015. I called the XXXX and they told me that Citibank closed my file with them and they will contact citibank. At the same time, they told me that the settlement amount is {$660.00}. so even the letter shows more money that I need to pay. I am not sure why all these conflict of information. 
My question, why citibank closed the file with them if I have time till XXXX XXXX, to reply. I called to pay the settlement amount and finish with this issue. Citibank did not inform me of any thing and they are just working with the XXXX without letting me know where I should pay. 
Can you please, help me because this letter shows that I should talk to XXXX if i need help. 
I need to know why CItibank closed my file with XXXX without letting me know where to pay. 
thank you for your time and help. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Aspen Yo LLC
State: TX

Complaint narrative:
My husband and I were advised by our attorneys to vacate our home and let it go due to our not having an escrow account and we owed XXXX in back taxes. We did have an escrow account because our insurance was paid there as well. We had been paying on our bankruptcy case for XXXX XXXX years. I contacted our mortgage company XXXX, then XXXX XXXX to see if there was anything we could do, to try and make any money out of our lost. XXXX said we could try a Short Sale. We could list the house at XXXX, our listed balance is XXXX. If we did not sale the house, we would get XXXX if we moved at the end of that posted period. The house did not sale and we moved into an apartment. We did not get the XXXX. Within a week, we received a letter from a new lender/mortgage company, Gregory Funding. I have called them to ask what we can do, is there any way we can move back into the home and continue with our payments? The only comment they 've made is that we need to provide insurance for the house. Our lawyers say we do not, since it has been surrendered in the Chapter XXXX. We get a bill each month from Gregory Funding for the house. Is it possible that our paperwork during the Bankruptcy has not been properly filed? We know our lawyers did not have our best interests in mind. We XXXX the lawyers two times ( due to their error XXXX to save our home. Since we left that home, XXXX 2014, it just sits there. The garage is open at various times. That was our dream home. Our preacher came over to say blessings the day we signed our paperwork. Our plague reads ... XXXX is the head of this house, the unseen Guest in every room. I pray to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
citibank 's online portal will not work

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX a Macy 's bill had some charges that I did not make. The charges were at a Macy 's in XXXX, TX. I moved from XXXX in XX/XX/XXXX. Secondly, I have severre scolioses and am unable to walk in the large store. I disputed the charges with Macy 's, closed the account. Macy 's would send us papers to fill out but I did not know or have the list of charges to put down since I did not make them. The reason I did not have the original bill was on XXXX XXXX, XXXX I was car jacked and my purse was stolen. I would try to get the list from the Macy 's website but because the account was closed I could not retrieve the list. I asked for receipt signatures from Macy 's and they were never given to me. Macy 's proceeded to put late charge after late charge on the bill. After months of getting no where I paid the bill and they would not take of the late charges off. This has hurt my credit and they did not care who made the charges they wanted the money regardless.

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 2016-02-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have received numerous call from this company called XXXX XXXX XXXX. They call me multiple times a day from different numbers while I 'm at work. I 've explained to them on more than one occasion that since I work in a XXXX that I can not except calls during the day, which they continue to ignore. They are often times rude during the few call that I have taken. They also for several months now have threatened to take me to court and claim to also be in the process of verifying my place of employment. I have searched this company online and have found that they have been involved in numerous scams. I am not sure what else to do or if this company is legit.

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: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: CA

Complaint narrative:
My XXXX loans given to be while attending XXXX XX/XX/XXXX, were converted to loans because the XXXX I ended up working for was not low-income ; even though, this is ridiculous because teaching in math is a difficult task in itself. That was problem number one. Problem # 2 - Then years later, my other loans from XXXX were taken by XXXX XXXX and then passed on to XXXX. This past year when I applied for the Teacher Loan Forgiveness, my loans from Navient got sent to FedLoan and since then ( XX/XX/XXXX ) I have been dealing with XXXX. To begin with, my account showed 'delinquent ' for an issue that was FedLoan 's for not applying my payments correctly. Currently, after trying to consolidate, my payment is high because the paperwork I submit is never correct, but no one ever calls or sends email to let me know what the problem is even though I always call to make sure I am submitting the proper paperwork. It seems as though all the people working for FedLoan have different information and there is no office where I can personally talk to someone. I just keep having to call an obscene amount of times talking to different people to give me different answers to my problem. This consolidation is XXXX too since once I consolidate that is when the 120 payments will start counting towards the Teacher Loan Forgiveness even though I have been paying now for 8 years and I am near the end of my 120 payment. I think that it is ridiculous how difficult it is to teach ( especially math in any school ), and how it is so difficult to have part of these loans forgiven after giving back to the community by teaching kids. The school rates are ridiculously high and all the hoops that one has to go through just makes it seems as though it is nearly impossible to have Loans forgiven after 10 years. There is something really wrong with the system. It 's like being punished for going to school. Now I see how people see going to school : as a way to be in debt for life and feel like one just works to pay off loans for getting an education. I am so tired of paying these ridiculous amounts in which my debt never seems to come down since it all goes to interest. I hope more people feel the same so there is a way to change this ridiculous system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Enterprise Systems, Inc.
State: MD

Complaint narrative:
National Enterprise Services contacts me daily from a variety of numbers to collect a debt from one of the XXXX independent contractors working with an XXXX that I have in MD. This aggressive and inappropriate behavior can not be lawful. They are calling my personal cell phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: TX

Complaint narrative:
My name is XXXX XXXX, I would like to submit a complaint against the loaner American Education Services. I have submitted an application to discharge my loan due to False Certification ( Ability to Benefit ). I come to find out that the school I got a XXXX was n't legit and did not meet the requirements for Regulation or Accreditation. I took an adult program to obtain a XXXX XXXX XXXX from home. AES mailed a " Notice of Eligibility stating I was ineligible for the loan discharge because further information is required to complete the process. They have requested that I must provide proof that I did not complete XXXX credits or XXXX clock hours of coursework. Unfortunately, this school is now closed to be able to provide my loaner with the information requested. I have filed a complaint with the XXXX and provided AES with proof of law suit court order towards this school and it is not sufficient. I have been given the number to XXXX and have explained my situation and have been given multiple numbers to call to get this resolved and nobody has been able to help me. If the school is closed and is under a law suit because their high school diploma was n't legit, I do not see why this information should n't be enough to determine I did n't have the proper education to have a high school diploma at the time I enrolled at XXXX XXXX for XXXX XXXX program which is the cause of this loan that I am stuck with. everything was a lie and I do n't feel I should be responsible to something that was not valid and or go along with a lie. I was n't aware of all this or else I would have not got into school. I was just trying to make something better in my life to be able to provide for my family. I am now stuck with a loan that I never even benefit from with the XXXX course I wasted my time on. Could you please help provide some kind of documentation for this case?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I am writing to request your assistance with a very serious issue I am experiencing with a private lender, for my graduate school loans. 

I am a XX/XX/XXXX graduate of the XXXX program at the University XXXX, XXXX. For the last XXXX years, I have been diligently making monthly payments per the terms of the loan, except for a few periods when I had to go on lender-approved forbearance ( i.e., temporarily stop making monthly payments due to financial hardship ). On XX/XX/XXXX I was laid off from my job. XXXX days after I was laid off ( XXXX XXXX ) I sent the attached letter to the company servicing the loan ( American Education Services ) to notify them of my layoff and to request a forbearance. This is exactly the process they directed me to follow in order to have my concerns heard by the lender. 

Since sending the letter on XXXX XXXX, the lender has completely ignored my written correspondence and has now sent my loan to collections. American Education Services ( again, the loan servicer hired by the lender ) states that I have exhausted all opportunities for forbearance and that they are unable to work with me on any kind of revised payment terms. Even though I have followed to a tee every instruction they have given me, the lender is simply unwilling to even acknowledge my issues, let alone discuss revised payment terms.

Company response to consumer: Closed with non-monetary relief