vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-02 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I just sent this to Macy 's but hope you will follow up too! 

XX/XX/XXXX To : Macy 's XXXX XXXX XXXX, OH XXXX From : XXXX XXXX Customer Dear Macy 's Customer Service, I have been a credit card customer for around 6 years and a non-card customer prior to that. I recently received a bill with a {$27.00} late fee. I double checked my online credit union bill pay which showed that my payment in fact did arrive on the due date, XX/XX/XXXX, on the bill I received in the mail. 

As I was busy, I went ahead and paid the balance and late fee, intending to call later. My balance was XX/XX/XXXX was now {$98.00} which included a {$27.00} late fee. But because I 'd learned earlier that customer service ca n't give an exact amount owed due to interest, I rounded off to {$100.00} and paid the bill. I noticed a message popped up on the Macy 's bill pay saying that in order to arrive on time I now had to send in the payment 4-5 days earlier, similar to sending a check in the mail. I did so, but was stunned that Macy 's would be so unethical. NO OTHER credit card company I use does this. In addition on my bill it states this : Late Payment Warning : If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to {$37.00}. 

My XX/XX/XXXX payment had in fact arrived on the date listed but I was assessed a late fee. Then I got a bill XX/XX/XXXX with an {$.00} balance. So I called. Customer service removed the {$27.00} late fee minus the {$.00}. I will receive a credit but my concern is the short billing period to pay and the ability for Macy 's to make tons of money off unsuspecting customers using bill pay. 

I plan to cut up my Macy 's card after receiving the credit as I do n't ' want to support what amounts to " Gotcha Capitalism '' and to warn friends. I 've been hopeful that regulations would fix credit card issues but this is discouraging. I really enjoyed shopping at Macy 's but this is in my mind, unethical and I can not support it. I 'd be interested in knowing how much money Macy 's makes with this policy and fear that if customers do n't complain, other stores will follow your example. 

I would appreciate a response. 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-02 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: Media Collections, Inc
State: CA

Complaint narrative:
XXXX insurance company is charging me an extra month of coverage that I did not used. The collection agency asked me for proof I had insurance coverage through another company to discard the claim, and I sent it to them XXXX. The agent said that if I did n't hear from them in the following two weeks it would have been cleared and two months later they started harassing me again. They once again asked me for proof, I sent it, they confirmed that they had received it and now they started calling me again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I noticed XXXX fraudulent transactions posted to my Citibank line of credit. I first reported the discrepancy on XXXX XXXX, 2015. The XXXX transactions are posted as transfers from my line of credit, in the amount of {$500.00} each, to my checking account. 

On XXXX XXXX, 2015 I requested an investigation. I informed the Citibank representative that the transactions are posted as transfers to my checking account, from my line of credit. The representative informed me that the transactions are posted as teller withdrawals on their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I had been using a Best Buy card, provide by Citi, and somehow became two months behind on my payments. They then called my mother, told her my balance, and allowed her to pay on it. I was under the impression that they could not do that. I 'm XXXX, and have no information regarding my parents or their contact info.

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 2015-04-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX Citi Cards ( Citibank N. A. ) sent my credit card to an unknown address. I had all cards in my possession and had early warning and notification for any activity. In which I always received warnings for purchases I made on my own card. In this case there was no notification of sending a new card to a XXXX party address. The XXXX party charged approximate {$5000.00} cash in $ XXXX increments. This should have been a huge red flag with notifications to me. Now I want to sue Citibank N.A . in Ca. in XXXX XXXX, however seems to be a discrepancy with the address for process of service. Nothing on the XXXX of state site for CA. Now in XX/XX/XXXX Citibank has sold the fraudulent debt to XXXX XXXX. What can I do to Resolve this fraudulent account on my credit report? 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Although I make my payments on time, Macy 's continues to lower my extended credit offer several times a year without proper notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I attempted to close a checking account with Citibank around XXXX 2014, withdrawing all funds. I have recently learned that following my attempt to close the account, Citi did not close it and continued to charge me fees on the account without my knowledge. This accumulated balance of {$190.00} was eventually transferred to a collections agency, charged-off by Citi, and reported to credit agencies, adversely affecting my otherwise strong credit score, all without my knowledge. Once I learned of it, I attempted to explain and resolve the situation with Citi but got no where, as Citi said they no longer had information on the source of the charge, and it has proven impossible to get to the bottom of this. I recently paid the amount to the collections agency in a belated attempt to fix my credit score, having given up on any hope of getting Citi to correct their error after hours of attempts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lending Club Corp
State: SC

Complaint narrative:
I called today to make this company aware that I have had a personal emergency occur and that while projecting my budget out over the upcoming few months taking into account this emergency, I can foresee having challenges meeting the monthly amounts. I asked if there was a way to reduce the interest, refinance the loan, or restructure, even if only temporarily, the loan. I was told no and worse yet, offered few to almost no options. I asked what the company did for people having trouble paying. I was told short of adding an additional $ XXXX to a new loan ( while paying off the current ) and hoping I could score a lower interest rate with the new loan without guarantee, the only other option was to defer one month 's payment in the current loan, and suffer an 'internal late fee. ' I am proactively trying to work with ALL of my creditors, my mortgage company included, in letting all know I am meeting with hardship. I am letting all know two months out before I believe I will be hitting this wall I see myself approaching. I am also a single-income household which makes this all the scarier. Why then, would they not work with me? Can I be the only person experiencing this with Lending Club? Not one time did I suggest walking away from this obligation. At a 25.9 % interest rate and knowing what I know now, I never would have entered into this agreement with Lending Club. I question whether their tactics and practices are even legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I applied for the Citi XXXX Visa XXXX card in late XXXX 2016 under an advertised promotion to earn XXXX XXXX bonus points after making {$2000.00} in purchases within 3 months of account opening. After completing the required spending in two months, the points were not credited. On XXXX, Citi responded to my inquiry via email pointing to the current language on the company 's website stating the promotion is not available to existing Citi cardholders. The exclusion language was not on the Citi 's website or card 's terms and condition when I applied for the card. I responded to customer service and offer to mail/fax/email in screenshots of the promotional offer and terms and condition captured at the time I submitted the card application. Citi still would not honor the promotion with the screenshots stating the current language on their website override all previous offers. I called customer service on XXXX/XXXX/16 and spoke with an associate and a manager. Both reference the same current website language and ignore the previous offer. The manager XXXX XXXX XXXX XXXX even stated that he believed me when I said the language may be missing from the website at the time the application was submitted but the 24 months exclusion have always been the rule for the more than 5 years since we work at Citi. If the exclusion language was not present when the application was submitted, I should receive the promotion offer and should not be subjected to new terms and conditions that were displayed after the account was created. Citi is reneging on the original offer with recently added terms and conditions.

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 2016-11-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I called best buy twice for an hour. They would not give me the information of my account that I asked from charges to having no interest for 18 months. They kept putting me on hold. This is very XXXX. I want to report their lack of helping me or providing any services to me AT ALL. I still do not know my interests plan I chose or the charges as well. I would ask for someone to tell 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 2016-06-14 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a Best Buy Credit Card which is run and managed by Citi Bank. I have XXXX promotional balances on this card. This card is also used for every day transactions. I kept getting interest charges even when I payed off my monthly use each month and could not figure out why. I finally found out that when I send in a check to pay for all of the transactions on this month 's bill ( the promotional balance is not due ), that check is not completely applied to the monthly transactions but rather also to the promotional balance. They do this so that they can charge me an interest charge. I have asked them to correct this and they say they can not. I 'm luckily diligent enough to figure out how they are incorrectly applying this interest charge but how many other people are being abused? This is stealing. I have n't lost any money because I catch it and spend 30 mins on the phone with them each month correcting it. But I have lost valuable time. This has been going on for 1.5 years.

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 2015-04-10 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This company has called my family and I about a payday loan. They have used profanity and threatened to take money from us. They even called my sister and harassed her and told her info about herself that they were never given by my sister. They call from various numbers all day every day. They tell us they are gon na have papers delivered to our place of employment or residence. We have received nothing in writing to this affect. The original copy has sold my information to various other companies and now all of them are trying to scam my family and I.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I had Citimortgage purchase my mortgage from my original mortgage company in XX/XX/XXXX I started paying and everything was going good in XX/XX/XXXX I lost my job do to my XXXX I still managed to make my payments even after they refused to help me, in XX/XX/XXXX my mother had XXXX by XX/XX/XXXX I tried to again get them to help and they again refused, in XX/XX/XXXX my mother who XXXX was diagnosed with XXXX and I was trying to cope and take XXXX again Citimortgage refused to help at one point in XX/XX/XXXX my grandpa died and they not only refused to help me all those times they harassed my tenants to the point on several occasions the payment was a day late or not even by the XX/XX/XXXX of the month and they had representatives at the door of the house at XXXX telling the tenant that I was not paying my mortgage and they would be evicted I lost good tenants because of Citimortgage I have been done so wrong by the company they have violated me so much and I am still blessed to have kept up with my payments There has been times I pay on time by the XX/XX/XXXX but their system reports it not paid I noticed a strong pattern of always posting a late payment here and there to keep me posted and deliberately hurt my credit so I wo n't be able to refinance since I owe XXXX and the house is worth over XXXX they want me to loose so they can cash in Please help I have requested all the errors to be fixed but they refuse I have a record of every payment and even if they are dead wrong they do n't fix the issue Please forward my complaint to any and all other governing agencies that can help Again because of XXXX it takes me a very long time to find help

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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I applied for a credit card with Best Buy to buy a washer and dryer with 0 % financing. I calculated my monthly payment and made my first one and set up an auto deduction from my bank account. However, they never sent me the actual credit card and they never implemented the autodeduction. I called multiple times to get the credit card, they never sent one. They also never notified me that they were n't taking the monthly payment for my debt. After 3 months I finally receive a letter indicating that my account is closed and they 're reporting me to the credit bureau. I had perfect credit until this time. We sorted out that they had failed to properly implement the auto deduct and I immediately paid them what was needed. Even after acknowledging their mistake they refused to remove this info from my credit report. My account has been paid in full and I owe them nothing, but my credit was severely damaged. Can you help get them to take it off my credit report?

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 2017-03-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: NE

Complaint narrative:
I have been trying to get my private student loan payments reduced for some time now, I am a single mother of XXXX and can not afford the now $ XXXX month payment. I have requested to the company many time to see if I could get some sort of income based repayment option, but have been repeatedly told there is nothing they can do for me but put my account in forbearance. I have submitted a complaint here before and the only outcome from the company was to call me and tell me again that there was nothing they could do for me because of me having my account in forbearance, my account is up to date and not showing any hardship. The employee stated to me that the company " might '' be able to help me if I let my account fall past due, because only then would it show a hardship and they " might '' be able to lower the payments a little bit. I stated to the employee that I would not default on a loan and the employee told me not to worry about it because they do n't report it to my credit report for 60 days and " hopefully '' they would have been able to do something before then. I again stated I would not default on my loan and the employee stated then there was really nothing else they could do for me. When I got upset that the employee was telling me to default on my loan the employee stated several times that as a company they could not suggest I default on my loan, when I stated that he had just told me it was the only way I " might '' be able to get the payments lowered he stated again as a company we can not suggest you default on a loan but yes the only way to possibly get a payment reduction is to have the account showing hardship like being past due. The employee than stated that when I accepted the loan I signed an agreement to pay back the loan and that I had to be held to that agreement. I stated to the employee that I fully understood what I agreed to and that I had every intention on paying the loan back all I am requesting is lower payments. The employee informed me that they did not have to offer income base repayment options because they are a private loan company. Nothing came of the conversation and I again had to put my loan in forbearance this month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was given a credit card application in a Best Buy store XX/XX/XXXX. I used that card to purchase a laptop and a few other small items. I was told my card had a limit of {$1500.00}. I was not told anything else and I did not use this card ever again. I was never told there was any promotion tied to the account. When I logged into pay my bill, I noticed that last month my balance went from approximately {$500.00} to over {$1000.00}. This was solely due to a deferred interest charge and attendant finance charges. 

No one from Best Buy ever told me that I was accruing interest or that I needed to pay-off my balance in full by XX/XX/XXXX. If they had, I would have done so. When I called to complain, a Best Buy representative told me this was a common complaint, particularly for customers who were enrolled in paperless statements and he understood why I was misled. He attempted to override the imposition of the interest charges but was unable to do so because of Best Buy corporate policy ( according to this representative ). 

I find it extremely deceptive and abusive to provide no disclosures about the terms of a credit card during holiday shopping season and then, nearly two full years later, apply a 100 % increase to my balance through a deferred finance charge. Had I been told I needed to pay-off my balance in full, I would have done so immediately and avoided this {$500.00} charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
XXXX hired Financial Asset Management Systems ( FAMS ) to collect on private student loans. Financial Asset Management Systems ( FAMS ) is not reporting all the payments that I have been making since XX/XX/XXXX/XX/XX/2015. I made payments in XX/XX/2015/XX/XX/2015 to FAMS which are not being reported to the balance. FAMS has illegally not reported all the payments that I have made on my account. I took a screenshot of the payments that are being reported via FAMS online payment system but they do n't reflect payments from XX/XX/XXXX/XX/XX/2015. The payment system is not reporting payments made in XXXX/XX/XX/2015 which is illegal and is a deceptive business practice and illegal debt collection practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX of 2016, I applied for a " Costco Anywhere Visa Card by Citi '' and was given a line of credit of {$11000.00}. After 5 weeks, I did not receive the card in the mail. I contacted CIti at XXXX and was transferred to the fraud department. I spoke with XXXX XXXX, employee # XXXX. I was informed by the rep that Citi sent the credit card to a different adress. The rep then stated I could not receive another card without " verification '' of who I was. The rep began to ask " verification '' question pertaining to my home loan and other information that I did not provide to Citi when I applied for credit. I did provide my full SSN and password. However, that information was not sufficient to very my identity and the rep told me they could not help me. I am concerned my credit card may have been given to someone else who may be using it without my consent. Citi is refusing to give me any information or any form of help whatsoever. They " are very sorry '' though.

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