vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Made a Washer purchase from sears on XXXX/XXXX/15 cost {$950.00}. Was told if I opened a account, would get promotional discount and no interest for 12 months. The washer was defective and returned. An exchange was made on XXXX/XXXX/15 cost {$900.00}, before the XXXX item was delivered. I change canceled the XXXX washer and purchased a lower cost washer {$840.00}. I made several payments but notice as higher balance on the account and was told I was being charged for XXXX washers. I called several times disputing the amount. After several attempts I was told as long as the account was in dispute, there would be no attempt to collect on the disputed amount. That was untrue as I received multiple calls to attempt to collect on what I did not owe. After all the calls I did not receive the promotional discount.

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 2016-05-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macys and Citibank, on behalf of Macys making harassing phone calls after the fraud charges were removed from my account. They neglected to removed the fees and interest charges associated with the fraudulent charges!

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 2016-06-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In XXXX of XXXX, I opened a Citigold account using the promotion code XXXX, which awards XXXX XXXX XXXX miles after {$1000.00} in debit card purchases and bill pays in XXXX consecutive months. I was unsure if I was eligible to use the promotion code so I confirmed via the CITI messaging on my account. On XXXX/XXXX/XXXX I received confirmation from Citi CSR XXXX XXXX XXXX XXXX XXXX ) that " this is the offer you are eligible for '' ( see attachment ). 
After meeting the requirements, I confirmed via secure message that the requirements were met and my miles would be awarded. I received confirmation on XXXX/XXXX/XXXX from Citi CSR XXXX XXXX ( see attached. XXXX XXXX ). 
I was told they would be deposited by the end of XXXX. On XXXX I sent a message confirming that my miles would be deposited in XXXX and received a response on XXXX stating that I was no longer considered eligible for the promotion and " that meeting the requirements does not confirm eligibility. '' I followed up on XXXX with a chat with a Citi rep and she resubmitted the 'investigation ' and told me it would be completed within XXXX2 business days and I would receive a message. When I did not receive a response, I followed up on XXXX to inquire about the investigation and ask for my fees to be waived and was told via secure message that there is no timeline for completion of the investigation Citi will not waive my fees. I have now waited 13 days since the initiation of the second investigation. 
Citi 's practices in this matter are fraudulent. Their CSR 's clearly confirmed my eligibility, completion of requirements and estimated date of miles being deposited. They have not stood by their word. I am especially incensed that they continue to charge me fees even though they are not completing their end of the agreement.

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 2016-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NM

Complaint narrative:
I received a phone call @ my place of work from " Fidelity Creditor Service ''. A woman by the name of XXXX informed me that I owe a debt that originated in XXXX from the year XX/XX/XXXX the company 's name is " XXXX XXXX XXXX ''. She claims that it is for {$22000.00}. XXXX proceeded to threaten me with a judgement, attachment of my assets. When i asked why i have not received any invoice or request to pay via mail, she rudely stated " it 's public record..look it up '' and gave me the case #. When I asked how could this debt still be outstanding, again in a rude voice " this debt is renewed every XXXX in the state of XXXX " I told her i do not even live in Ca. and if this debt as you say has my ex-husband 's signature on it, I have not been in contact with him for years. She proceeded to pressure me to provide his contact info to her. 
I told her I need her to mail me this proof of debt. 
After this unsettling claim, I did my research and found numerous complaints about this company as well as a news piece by investigative reporter " XXXX XXXX '' that aired XXXX 2012 : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My Consolidation loan was increased from {$10000.00} to {$13.00} My unsubsidized loan which originated at {$10000.00} in 2006 has almost double to {$16.00}, XXXX My PLUS loan that originated at {$9000.00} in 2006 was DOUBLED to {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I continually am having issues with Equifax and their horrible customer service and their complete disregard for keeping accurate records in numerous regards. I keep having an account that has been wiped from my responsibility reinserted by Equifax causing a derogatory flag to report on my credit file. This has been settled and the maliciousness of Equifax is apparent with their reinsertion a month or so after they remove it when I complain to the CFPB. Action needs to be taken against Equifax for their complete disregard for keeping accurate records. Even Equifax has lost track of who the account was from and is reporting a derogatory account from a nameless collection agency regarding a medical account in the amount of {$630.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Homeowners were put into a predatory sub-prime loan in 2010 with CitiFinancial. The loan was for {$120000.00} although the house was only worth about {$45000.00} at the time of the loan origination. Homeowners are senior citizen, retired XXXX homeowners whose home is in a predominantly XXXX neighborhood with declining home values. The interest rate was 10.3092 % Homeowners have been unable to refinance out of this loan because of the lack of equity. Homeowners have been trying to obtain a loan modification with CitiFinancial, but CitiFinancial has refused to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am a widow, unemployed and XXXX. My husband died 4 years ago and left me a mobile home where I am presently residing. Our mortgage company is CITI MORTGAGE. 
We are paying this company for over 20 years and still have a balance of {$62000.00} dollars, with interest of 7.76 %. 
Two months after his death, I called CITI if my husband 's loan is being paid off thru insurance. They said he got no insurance and that the wife is responsible for paying his loan. They told me to send his Death Certificate and some other papers so they can change his name and put my name on it. I refused. 
Right now I 'm having a hard time to support my XXXX adopted children, XXXX in college. Please help me solved my problem with this gigantic company where I have no voice and money to fight them. 
I thought Mobile Home is cheaper than a real house, but since I married my husband, he got a balance of {$79000.00}. I have no idea why this house is very expensive. 
Second concerns of mine is SEARS CREDIT CARD. 
Even though I am so poor, I always pay my bills on time. I do have a good credit. Last week I happened to read the article regarding your willingness to help us and believe me or not, the article lifted my spirit, hoping that maybe you are answer to my prayers. 
Sears charged me 25.24 % on interest and plus account care program which I pay {$65.00} monthly.Before I charged my purchases to them, I told them to cancel account care and they told me, they do n't use it anymore so I thought that there will be no charges. 
Account care is a ripped off, they said they will pay my bills if I become unemployed and disabled. I have XXXX. Anything you can help me is greatly appreciated. Thank you very much. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Consumer Collection Management. Inc
State: IL

Complaint narrative:
Person contacted me on my cell phone- i asked her not to call me on my cell phone and ended the call- she then contacted my office phone and asked me to transfer her to HR - I can not do that since I work from home but gave her the number. She called HR and told them who she was and that she was trying to collect a debt that I refuse to pay. 

I have payed this debt and have receipts but they continue to " collect '' on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Netspend Corporation
State: WA

Complaint narrative:
When first opened the account there was a preference about whether I wanted to be on fee plan or pay as you go I check the box next to fee plan as I did n't want the pay as you go as it is costly. I looked at my statement on XX/XX/2017 because some transactions were not charging right and noticed they put me on pay as you go when I specifically asked for fee plan so I was charged over a {$100.00} in fees last couple of months. I quickly went into their site and made sure I was put on fee plan once again so far it is still what I requesred. Plus I made complaint to their site and someone who sounded more like a recorded message sent me a message stating what I did again yesterday in picking fee preference again but did not even address my issue with their sites mishap in first place in placing me on pay ad you or offering any kind of remedy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
My XXXX child managed to receive PayPal credit exceeding {$800.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XXXX of 2016 I signed up for Citi Bank Citigold checking account. On the webpage from which I applied it stated I would receive a bonus of XXXX XXXX XXXX miles if I meant the following requirements : 1. {$1000.00} in debit card purchases 2. Processed at least XXXX bill payment for two consecutive months. 
3. Kept the account open for six months. 
On XXXX XXXX, 2016 I messaged Citi to confirm I had meant the first XXXX requirements. They responded and confirmed I had meant the requirements and I would receive the bonus after keeping my account open for six months which I did. I payed a {$30.00} a month fee. Citi informed me on XXXX/XXXX/2016 that I was no longer eligible for the bonus and would not receive it. This is a classic bait and switch.

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 2016-01-11 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I recently transferred a balance from a high rate card to a 20 month XXXX rate card. Negatively affected my credit score due to low limit on 0 % card, with balance : limit ratio & gt ; 30 %. Nowhere in disclosures is this deleterious credit impact mentioned. Just WRONG! Should be disclosed in information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I applied for a Macy's/American Express credit card inside the Macy 's store located in the XXXX in XXXX , Virginia in XXXX XXXX, 2015. I was told by the sales person in the men 's department that I had been approved for this version of card with a limit of {$600.00}. I was also told that any in-store or online purchase would be discounted by an additional 20 %. Additionally, I was told that the use of the card during their XXXX-day only promotion would include an additional discount, and I would also accrue XXXX-Points for each dollar that I spent. 
I opened the account based on these terms, I used the temporary card thinking that I would be receiving a permanent Macy's/AmEx credit card in seven to XXXX business days. 
On XXXX XXXX, 2015 I received a Macy 's Star Rewards regular credit card in the mail. In a separate letter received on the same day I was told that after further review Department Stores National Bank could not issue me what I had been duped into believing I was signing up for. The letter is dated the same day that I applied for credit in the store and the Macy 's clerk told me that I would be getting the dual purpose card. I called Macy 's customer service line and was told that my credit score was not high enough for the dual purpose card. I feel that I should have been told this information on the XXXX, so I could have made a decision whether to sign up for the credit card or just walk away. 
I feel that I was baited, then switched with the promise of a dual purpose card that could be used in Macy 's stores, on-line, as well as anywhere the XXXX XXXX card was accepted. I thought this would a great way help restore and rebuild my credit history and reputation. I was taken advantage of, they knew then that I was not going to get the card that I was promised in-store. This is an unfair and deceptive business practice, and is just plain wrong. I feel cheated by XXXX and Macy 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Have not recieved valid verification that this is my debt. I disputed this 2 months ago. This is not my debt

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 2016-06-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After returning an Item costing {$80.00}, in XXXX 2016, which was not credited to my account until I called after having been charged a {$24.00} late fee for 2 months, they then told me they never recieve my online payment. Never notified me and continued to accrue late fees until XXXX. I spoke to the customer service cleared up the bill and all the late fees with my debit card and closed the account. They now bill me again for " late chages '' and when I called them they said they had the wrong Account number and never posted this new late fee to my checking account. The account I was assured was now at a XXXX balance or they would not have closed it. I do not trust giving them anymore of my credit information as they refuse to give me a statement of account in writing.

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 2016-08-31 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I purchased a bedroom set at Macy 's. They waived an exorbitant delivery charge if I opened a credit card account. I gave the delivery address. It simply did not occur to me that I needed to give my PO Box and the Macy 's agent did not ask about a mailing address ; i.e., they assumed the delivery address was the mailing address. This is simply a mutual mistake. Months later, I received a phone call demanding a payment over the phone. I refused to make a payment over the phone without seeing a copy of the bill. 
Macy 's closed my account at that point which has put a ding on my credit report.They refused to discuss the late fee until I made a payment. Macy 's did not proceed in good faith. The Macy 's collection agent made a decision about me based on my refusal to make a payment which was wrong. 
The damage to my credit report can not be fixed because a mortgage loan is in process. My concern is for the other customers that are being hurt by the Macy 's scheme to force credit cards on the unsuspecting at high interest rates in exchange for the delivery charge. 
Thank you XXXX XXXX XXXX PS. the account is paid in full and closed. I called customer service at Macy 's and the return call took weeks.

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 2016-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
We have gotten behind in our Mortgage a few times in 27 years because of XXXX XXXX or loss of work, me after 16 years, my husband has been at his job for 35 years. CitiMortgage has stole our money, at one point we owed {$6000.00}, but had to pay {$12000.00}, My husbands XXXX gone {$100000.00}, so now XXXX says we owe {$190000.00}. I now work XXXX jobs, paying {$1600.00} a month. Forced to file Chapter XXXX bankruptcy to avoid foreclosure, I have fought so hard to keep our home, its wrong and unjust.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
can not get a transaction listing from Citi. I need a transaction list of my account. The transaction list will show my activity in my account. I believe there is some fraudulent activity, Identity thief or errors in their account receivable and accounts payable. My bank and account will send op to ten years of data, site refuses to send any data. 
I need to check for fraud to end a dispute I think this is the only way to periodically check for hacking of ID theft, banks and other financial institution seem to readily provide their customers transaction information at any time, why wo n't CITI? Such activity allows citizens to assist in law inforcement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an XXXX AAdvantage bonus offer from Citibank and I chose to open a Citigold account over the phone on XXXX/XXXX/2016. The promotion with Promo Code XXXX stated that I will receive XXXX bonus XXXX miles 90 days after meeting the requirements of making more than {$1000.00} purchase using the Citigold debit card and making 2 bill payments. 

I have completed all requirements on XXXX/XXXX/16 and was contacted by email, with investigation ID XXXX, confirming that I will receive my incentive 90 days from the date the qualifying transactions, which is XXXX/XXXX/16. It is XXXX/XXXX/16 when I am filing this complaint and Citibank has yet to respond to my recent inquiries about the bonus since XXXX/XXXX/16. 

I hope CFPB is able to investigate into this issue and forward necessary information to Citibank, hopefully to clear any of their barrier and process the bonus as promised.

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 2016-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citi bank had this promotion ( # XXXX ) to earn {$400.00} Cash Bonus when you open a Citibank Account package and deposit at least {$15000.00} into your new checking or Savings Plus account. I opened a " interest checking '' and " saving plus '' accounts with Citi Bank on XXXX/XXXX/2016 and deposited $ XXXX on same day have not touched it since. 
To this day, XXXX/XXXX/2016, I have not received my cash bonus. I have followed-up via an online chat session on XXXX/XXXX/2016, I was given a reference number and received a secure email, on XXXX/XXXX/2016, CONFIRMING that my account has met the necessary requirements to qualify for Promotion and I should have received the cash bonus 90 days after fulfilling the requirement ( 1month $ XXXX ). 
On XXXX/XXXX/2016 I followed up through online message system and they told me " they forwarded my complain to the concern department and necessary action will be taken to make sure that your issue will get resolved ''. 
To this day I have not heard back from their complain department or received my cash bonus. 
They have a good response time to online messages but only to give you general information about how they sent the message to proper departments to investigate and never get back to 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 monetary relief