vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was a sears credit card holder for over 25 years until today. 2 years ago i moved, and requested an address update with my new mailing address. I use an auto-debit payment to pay my bill, and never really gave much thought to it until i was in sears recently and for the 4th or 5th time, again requested an update to my mailing address. I finally got my first statement today, after 2 years ... to see sears has been charging me a " Late Fee '' on every month for at least a year, more likely longer. {$37.00} a month, hidden and blamed as my auto debit posted to them on the XXXX ... .1 day after my due date. could n't see this, they would n't fix my address, Customer Service refused to take these unreasonable fees off my account, leaving me with only 1 option. Close the account and start complaining to outlets like this to try to get it resolved.

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 2015-07-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We paid XXXX weeks late on our OneMain Financial Account. During the XXXX weeks, the local office was told only to call my cell phone. They called my work. After that happened, I called in and told them only to call my cell. XXXX from their office called all of my " references '' ( family members and friends ) and left personal details on both their voicemails and in conversation. My wife manages the bills and was down with a XXXX which is why we were late. This person caused us quite a bit of embarrassment and harm by what she did and all over two weeks!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi enrolled me in a Payment Safeguard program on XXXX/XXXX/XXXX without my knowledge or consent, and I just discovered it last week. 

According to this CFPB press release ( XXXX ), " From at least XX/XX/XXXX through XX/XX/XXXX, Citibank actively marketed and enrolled consumers in XXXX debt protection add-on products : XXXX, ' XXXX, ' XXXX XXXX, ' XXXX XXXX, ' and XXXX. ' [ Emphasis added ] I 've been a Citi cardholder for nearly 30 years and just noticed the XXXX fee on my bill last week because it was large enough to stand out - nearly {$300.00}. The large fee stood out because my balance last month was exceptionally high ( over {$34000.00} ) due to all of the expenses of a household move. 

I called Citi to say I never signed up for the service, which protects against the inability to pay because of a job loss, illness, etc. I told XXXX at Citi that I XXXX from in XX/XX/XXXX with a full XXXX pension, and both my wife and I are on Social Security with steady income. He understood there is no way I ever would have agreed to a Payment Safeguard program and so agreed to refund ALL of the XXXX fees since XXXX/XXXX/XXXX when I was enrolled. 

But I also asked how I was enrolled in the first place. He agreed to file a POE ( Proof of Enrollment ) request, which should take 30 days. 

It seems that Citi is still fraudulently enrolling customers in services without their permission. While I applaud the CFPB for taking action against these companies, rather than just fining them, which hurts shareholders and ultimately customers, punitive action needs to stop the fraudulent practices. Responsible executives need to be held more accountable - fired, fined, or jailed. 

OVER {$300.00} IN INTEREST WERE ALSO CHARGED - Related to this household move was the fact that I notified Citi of my Change of Address but missed receiving a bill for XX/XX/XXXX. So because I my payment was late, Citi tacked on over {$300.00} in interest. They refused to remove the interest charge, even though it may have been their fault that I did n't get the bill, even though I paid the entire {$34000.00} bill the very same day they called, and even though I 've been a 29-year customer with a history of paying the bills in full each month. 

I will be changing credit card companies as a result of this experience, but I file this complaint to help expose unscrupulous and illegal practices that continue to this day.

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 2015-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have been making payments on my mortgage loan but I was told that those payments were not going towards the balance. I have attempted to get answers but to no avail and now they are trying to foreclose on my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Sears at XXXX XXXX, XXXX NC : POLICY for all cashiers as per management ORDER to maintain employment, is to offer customers a discount and withhold all information that this discount comes contingent with the approved application of their credit cards. They are also told to hold back the written material relevant to the credit card and application process and tear off the signature and scan page only for customer to see. This is rationalized as ok on the basis that the customer.. usually XXXX or English not first language or young and inexperienced individuals, and EVEN those that have STATED they do NOT WANT A CREDIT CARD, have given their social security card so it 's their problem. This is devious and I presume illegal. This has been going on to my knowledge as an employee since 2008 with ALL NEW HIRES.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I worked through an attorney and realtor to try to secure a short sale for my home. I had a buyer and a valid contract for the house. All paperwork was submitted to the bank for approval including the form communicating I was using an attorney for any and all communication regarding the property. All documents were confirmed received previously by CITI yet they advised the attorney on XXXX, XXXX/XXXX/15, that they still needed several documents in order to proceed with a short sale or foreclosure postponement. The attorney requested a postponement as there is a valid contract for purchase. The bank then denied the short sale and foreclosure postponement. The foreclosure is set for XXXX XXXX, 2015. Citi failed to provide short sale response in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Account was moved from XXXX to Citibank. During this time I was out of town, but had auto-payment set-up. I was not notified before my departure that the move would be made, and this caused my account with a balance to be moved to Citibank. When that happened, my auto-pay was cancelled by Citibank and I was made delinquent. I contacted Citibank and they agreed to nullify delinquency and my fees/interest as the move to Citibank was made by them and my auto-pay was cancelled without my permission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I 've been victim of credit card fraud and identity theft. I call Citi about my credit card and they treat me rudely every time I call them. They wo n't help me at all and I feel discriminated because XXXX is n't that good. Worst customer service I have ever encountered. I am a victim but they do n't help me. I do n't feel like paying them after being treated like a second-class citizen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-09 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Account Resolution Corporation
State: IN

Complaint narrative:
They call ask for me and when I try to talk with them they hang up or repeated calls and when I answer they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
my credit line was reduced from XXXX to XXXX after a lump sum payment I recently made of XXXX my payment history has never been late since its inception.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I canceled a previously booked room in XXXX XXXX more then 45 days before arrival. 
The company XXXX XXXX XXXX tried to say it was not refundable even thought they advertise full refund if cancelled more then 45 days in advance. 
Citibank originaly credited my account after I filled a dispute with them on the charges. 
Then XXXX XXXX XXXX sent them paperwork telling lies. I sent Citibank supporting documents showing the lies and they contacted XXXX XXXX XXXX. Since they never responded back Citibank closed the case with me not recieving any refund.

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 2015-10-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I filed an complaint with Citi Cards XXXX on XXXX, I advised Citi Cards that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Citi Cards are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Citi Cards company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Citi Cards are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Citi Cards fail to respond in writing, signed by hand, in a timely manner, I will assume that Citi Cards are in error and this matter will be challenged. As Citi Cards further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Citi Cards claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, XXXX. 
As of today XXXX, Citi Cards have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
The MACY 's collections department ( XXXX ) sends automated calls to our office 2-3 times a day asking to speak to their customer with a " personal business matter. '' No one in this office has a MACY 's account or even shops there. 

After returning their calls, collection agents were asked to stop calling this number as the person that registered their account with our phone number can not be reached here. 

Their automated calls have continued for a week after being asked to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I am trying to apply to remove my cosigner from my XXXX of my private loans. I was told on the phone with a representative that I could apply because the I have paid XXXX consecutive months on the loan. 
In the mail I got a letter saying that I was not eligible for the cosigner removal application. I called by bank and asked what was happening. after being put on the phone with an account manager I was told that I could not apply because I had a late payment on my record from XXXX years ago. The account manager told me to write a letter and fax it to the bank asking for the record to be removed because I was never late again for the past XXXX years. 

I wrote a letter and explained that the payment that was late was my first payment ever, that I was fresh out of collage and young and made a mistake. the wrote me back and refused to removed the late payment record. They admitted that I paid on for all my other bills and that the late payment did n't even have a late fee because it was n't over XXXX days late, But still they wont remove it. 

They said " Unfortunately, we are unable to remove that history. Remember, making your student loan payments on time may help you build and maintain a good credit history. " I was informed on the phone that I can never remove my cosigner because of that late payment. My cosigner is my Mother. both of my parents went through a bankruptcy and i would like to have them taken off my loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I ordered flowers and other gifts to be delivered on a certain date by a certain time. The merchant failed to deliver the flowers and XXXX of the other XXXX gifts on time despite verbal assurance that it would. The merchant refused my request for a refund even after it admitted that it failed to provide per our agreement. 

I disputed the charge with Citibank, the issuer of my credit card. Citibank denied the dispute without ever doing an actual investigation, i.e., Citibank did not even contact the merchant. I learned from the Citi XXXX XXXX that if the disputed amount is over a non-specified dollar amount, Citi denies the dispute, despite the merits of the claim. Citibank has engaged in this illegal and bad-faith practice -- failure to comply with the Fair Credit Billing Act ( FCBA ), conduct a good faith dispute investigation, and deny consumers their right to dispute billing errors -- several times now for unjustifiable reasons.

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

Complaint narrative:
I had charged an item on my Macy 's card to get a discount. I then paid off the bill right away. A few months later I returned it never used, with the receipt. I then requested that when the credit posted to issue me a refund check. About XXXX months after I received the refund check I started getting calls from Macy 's telling me that they gave me too much money back on my refund, and that I owe them. It took so long for them to get my money back to me that I had no idea what I was owed back. I have spoken with Macy 's over XXXX times and can not get any resolution. I have most recently spoken with credit card supervisor XXXX XXXX at XXXX. She told me about a month ago that she would put research into it, and return my call. I have contacted her back and left voicemails and have not heard back from her since.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We applied in to refinance our house because of the high interest rate of 6.50, at that time the rate had dropped as low as XXXX. Citibank acquired our loan in 2006 from XXXX. Citibank was fully aware that they did not service manufactured homes when they purchased our loan. Our house has a different status that is to be considered the same as a standard house. Documentation was presented from the State Housing Department, Citibank refused to recognize the documents. Citibank refused to allow a refinance or later assistance due to hardship. A representative even stated,. that they should not have purchased this account because they do not service those kind of accounts but because they have it we are basically stuck with paying the higher rate. I feel Citibank refuses to recognize or housing status to ensure we are not allowed to lower the interest rate to force us to continue to pay the {$2800.00} mortgage payments., As a homeowner we have the right refinance if we quantify by our pass payments and credit score, both were OK according to Citibank when asked. We contacted our XXXX and the state housing department later we were referred to cfph for assistance.

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 2015-10-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have been an ongoing customer in good standing with Citibank for more than 7 years and their services had always been great! In 2004, I paid off all of my debt. I held on to my Citicard in case of an emergency, but I had no intentions of using it right away because of the high APR ; However, I received credit checks from Citibank offering me a lower APR. I used one of the checks to make a purchase during the XXXX season unaware that Citibank had decreased my line of credit without ever notifying me beforehand. As a result of this unbeknowst credit decrease, I was plunged into a horrifying court case where I was forced to plead guilty to fradulent check writing. I had to pay {$200.00}, to prevent incarseration. Once I paid the unexpected court cost and the fradulent check charge. I believed that this situation was finally behind me, but to my surprise after attempting employment and housing, I was shocked to learn that this bad check charge had kept me from being hired and achieving stable housing for me and my family year after year. At this point I realized that I had been done unjustly by Citibank because my payments were on time and up-to-date. They sent the low APR credit checks for me to use in any way, as long my line of credit was enough to cover the amount of the check that was written. My line of credit was {$3400.00} and my available line of credit was {$1200.00} which was more than enough to cover the amount of the check at {$130.00}. Even to this day when I am applying for employment, my background check comes back as a reason why I am denied employment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I returned some products to Macy 's via USPS ( they had been purchased online ). Upon rI requested a refund to my method of payment which happened to be my Macy 's credit card. Instead they issued me a gift card. It took me over a month to get them to cancel the gift card and return the amount to their proprietary card. At the same time, I I retunred items from another order which still have not been credited and just this week they did the same thing on some holiday gifts which I had to return. I have contacted thsm so many times but no one seems willing to step-up to just issue the credit. We agree on the amounts so there 's no issue there. Even though I clearly indicated that I was n't a credit back to my card they have now three times issued me gift cards. It seems really sketchy to me and I wonder if they can even legally do this? 
Sorry for any typos ... my computer is having trouble formatting this screen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank closed my account without any notice or ability to for me to take action that would avoid the closure. I believe this is an example of unfair and deceptive business practices. My account was in good standing and open since 1998. Citibank claimed that the account was closed due to inactivity. There is nothing in the card member agreement that addresses this topic, nor has Citibank disclosed their policies regarding card inactivity. The card member agreement for this card can be found online at : XXXXI tried to resolve with Citibank, and they forced me to begin a brand new application process that would enter me as a brand new customer. This would void my tenure with this account/institution, and thus have an impact on the portion of my Credit Scores that is tied directly to the length of time that my credit history is intact. This action by Citibank was unnecessary, and it will have a negative impact on my credit rating. As such, my ability to obtain credit from future institutions may be damaged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation