vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-20 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc.
State: CO

Complaint narrative:
In XX/XX/XXXX I wrote to Aspen national Debit collection to verify a debit, which they did. I wrote back and acknowledge my debit with an explanation of the amount of payments of could make and the amount owe according to my calculations. I stated that I was sending my first payment in good faith. I then stated that if they cashed my check and I did not hear from them, they had accept my offer. They cashed my check and I never heard from them again. In XX/XX/XXXX I wrote to say that I had paid my debt since I had received no communication, then about ten days later I received a notice from XXXX XXXX stating I still had a balance. Up to this time my original communication and all later was made through XXXX XXXX. In XXXX I resent for the third time my original agreement letter .Around the XX/XX/XXXX I received a phone message message fon Aspen Collections , so I returned the call. I spoke with XXXX XXXX and he said I owed so much money. I reminded him about my letter and he stated " we have received a lot of letters from you. '' He continued to say that they do not make any deals and I owed the money. I stated that they cashed my check and according to the terms of my letter, they made an agreement, and no one has ever contacted me. He Said " we have tried on numerous occasions to contact you. '' Not true! At that point I asked to speak to XXXX XXXX and was told there was no one there by that name. All my communication was sent to the XXXX XXXX with the same address XXXX XXXX called from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have a Macy 's AmEx. Yesterday I received an unsolicited issue of XXXX magazine. The mailing label said " Macys American Ex '' and listed my address ( not my name ). Immediately preceding " Macys American Ex '' was the password to my Macy 's account ( which has since been changed )! So not only did Macy 's not keep my password private within the company, it sent it to the magazine publisher and through the USPS!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We bought a mattress from Macy 's in XXXX of 2014 for {$930.00}. It was picked up in the same month. Apparently the charge has been pending all this time, and we have n't been able to pay off our credit card. We 've gone into the Macy 's where we purchased the mattress to try to resolve the issue, which they were not able to do. I chatted in multiple times to try to fix the issue, only to have my account charged another {$930.00}, so now I owe XXXX. Phone calls to customer care led me to a foreign call center, asking if I want to dispute a charge that was created on the Macy 's end. I do n't understand how a company can be so reckless with how purchases are handled with their store card, and no one seems eager to fix it. I did n't realize that paying off a credit card can be such a difficult task. How can a purchase charge be pending for more than a year? How can this go unresolved for so long?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26 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 opened a CitiGold checking account with Citibank on XXXX XXXX, 2016. While opening the account I applied for an ongoing promotion for XXXX XXXX XXXX miles. Before opening the account, I checked with a CitiGold account specialist to make sure I am eligible for the promotion, and was told that I am. After opening the account, I received a written confirmation stating the promotion disclosure. I completed all the requirements of the promotion within the time limit. After completing the requirements I again checked with an account specialist, at which time I was told that the promotional miles would be deposited within 90 days. After waiting for the 90 days, I again checked back, and now I am being told that Citibank is not going to honor the promotion, because according to them they were not supposed to target me for the promotion.

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 2016-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Hello, I opened a Citi Gold Checking account XX/XX/2015 per the terms of the XXXX XXXX XXXX Advantage miles promotion. Promotion code : XXXX I have yet to received the miles posted to my account and it is well past the deadline. Citi bank is being unresponsive. 


In XX/XX/XXXX, I had completed the requirements of the promotion. In XX/XX/XXXX, after not receiving my miles, I reached out to Citibank via phone to see why I had n't received my points. They confirmed that I had met all of the requirements of the promotion and should receive my miles within 30 days. 

In XX/XX/XXXX, I had not received my points so I called again and they said that I needed to complete a XXXX in order to receive the miles. They mailed me one and I immediately filled it out and returned. 

In XX/XX/XXXX, I still had not received my points so I call again and requested to speak with a supervisor. The supervisor confirmed that I had completed the requirements of the promotion but that they needed my XXXX XXXX Advantage #. I provided the number and they stated that I would receive the miles within 30 days. I still have not received my miles. 

I feel that I have been scammed by Citi because I completed all of the necessary requirement and had that confirmed by multiple people at Citi, yet they have not followed through on their end of the deal. I have spent several hours on the phone and on secure messager over this issue. I am simply requesting that Citi deposit the promised XXXX XXXX XXXX miles into my account. 

Thank 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 explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XXXX/XXXX/2016 I applied for a citibank double card. On XXXX/XXXX/2016 I received the card. before i got the card.my credit score was XXXX equifax.On XXXX/XXXX/2016 my equifax score dropped to XXXX XXXX/XXXX/2016 i paided the balance off. one week later my credit score dropped again to XXXX. On XXXX/XXXX/2016 I paided the balance off. Again it dropped to XXXX on XXXX/XXXX/2016. On XXXX/XXXX/2016 I canceled the card I was worried It would keep dropping.All I wanted to do was to get my credit score to XXXX so I could get the best deal on a mortage now I have to pay points

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 2017-03-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank acknowledged that I qualified for a promotional balance but did not pay when they said they would, and now are requiring me to file a XXXX for some reason.

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 2016-07-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I reached out to citibank with my inability to pay due to lost of income and XXXX. I was assigned a home specialist every time I called I would be on the phone for over 1 hour and no one knew what they was doing. Now I was assigned a new home specialist XXXX he stays in touch however I am be asked to supply the same documentation over and over again. I think citibank process is to discourage consumer to not to help them. My processhas been going on for 2 months with no assistance in site.

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 2016-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I signed up for a Citi checking account on XXXX/XXXX/2016. The account offered a {$400.00} bonus if {$15000.00} was deposited within 30 days of opening the account and then kept in the account for 30 consecutive calendar days. The bonus was to be paid within 90 days of successfully completing these requirements. I deposited {$15000.00} into the account on XXXX/XXXX/2016 and no money was transferred out of the account until XXXX/XXXX/2016. As such the bonus should have been paid on XXXX/XXXX/2016 but I have not received it. I have had multiple communications with Citi ( email, online chat, and phone calls ). Each time they confirm that I 've met all of the criteria. They then proceed to open an " investigation '' which they claim will take no more than two days ( the last " investigation '' is currently 5 business days old, this has been similar for the others as well ). Two times ago after their investigation they said I needed to send in a form XXXX to receive the bonus. I have now mailed this form in three different times, the last two times confirming the send-to address with Citi, but Citi tells me they have not received it. The reps I spoke to this time, however, assured me that this would NOT keep me from getting the bonus.

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 2016-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
After finding my self 3 months behind on my payments I got in touch with my mortgage co. to rectify the situation and was told not to make payments and to apply for a loan modification. Following this option/answer has now put me almost five years in arrears without ever having an option to the denials afforded to me by the mortgage co. All I got was foreclosure and bankruptcy and now arrears that are beyond my financial capabilities. After filling out about XXXX loan modification packages all Citi mortgage can do is ask me to fill out another application package which will be denied again for the same reason again. Where is the other options to this situation that was caused by Cit Mortgage after I was only 3 months behind.

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 2016-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX/XXXX/2016 I received an email from Citibank informing me that the checking account that I had with them for four years was being cancelled, effective XXXX/XXXX/2016. No reason was given, other than to say " Please know that this action does not reflect any dissatisfaction with you or with your relationship. '' After receiving this, I called them and was told this was a business decision from the top and could not be reviewed. Therefore, as of XXXX/XXXX/2016 I redirected all my direct deposits to a new account at another bank. As of that date there was a XXXX balance, in anticipation of the accounts closing on XXXX. On XXXX/XXXX/2016, despite the XXXX balance, Citibank paid a draft from my account to XXXX XXXX XXXX in the amount of {$94.00}. Apparently realizing their mistake on the following day, XXXX, they credited the account back {$94.00}. However, on XXXX they again paid XXXX XXXX {$94.00} from the account with no balance. The next day, XXXX, they credited the account {$94.00} again. In the meantime they assessed a returned check/NSF fee of {$34.00} on XXXX, another {$34.00} fee on XXXX, {$50.00} service charge on XXXX ( a month after the account was purportedly to close ), another overdraft fee on XXXX. After all these fees they are still showing an open account with a - {$280.00} negative overdrawn balance. On XXXX I wrote to Citi asking what was going on and why the account was still open. I requested it be zeroed out and closed, per their original email. I received a reply from XXXX XXXX XXXX, dated XXXX/XXXX/2016, in which she wrote " We are sorry to find that the account has not been closed yet, we have escalated this situation with our back office. Your account will be closed in the next few days. Please advise ( XXXX ) that you may receive a last statement proving the account closeout and the XXXX balance. '' As of this date the account remains open showing the {$280.00} overdrawn balance.

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 2015-08-20 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 I went to Citi Bank to cash a check that was draw on Citi Bank. The Teller ask for my identification, social Security Number and Job Title to cash a check. Just for clarification in order cash a check and you do not have a check is what because I do not have a checking account do that give them perimission inquiry into my personal life Social Security Number is PIV Confident Item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am applying for a mortgage refinance to a lower interest rate. I have been advised that my current mortgage company, CitiMortgage, has not updated XXXX on monthly reports on my account for over a year. I have not been required to pay mortgage insurance for over a year yet XXXX states that they have not received any report of this. The required report is a ( SURF ) Servicers Reconciliation Facility report which intern updates XXXX, XXXX ( LAR ) Loan Application Register report. Multiple contacts with my current mortgage company result with, they do not know what I am talking about, they need to research this, each time I call its a different contact person and I start all over again. They keep trying to send me a " letter of authorization request '' which is not required to update Fannie Mae. The California State Attorney Generals Office has also been advised so that possible legal action may be taken. This lack of action by my current mortgage Co. will result in the loss of the lock on my interest rate for current loan that I am applying for. Can you help resolve this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have a Best Buy credit card and made a purchase on a " no interest for XX months '' promotion that expires in XXXX. There is only a small balance left on this promotion. I realized this month that the total balance shown on my monthly statement does not include this outstanding promotional balance. So for several months, I have been paying my balance in full - I thought - but in reality I have only been paying for the last month 's purchases, and my promotional balance has not been paid. I think this is incredibly misleading - my " account balance '' should reflect my entire balance. I should not need to carefully read through my entire statement to find a separate promotional balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We have been working with Citi for over 8 months. They have had a complete package and " been under review with no documents requested '' for over 3 months I call and call and get no where. This short sale should have been approved months ago. There is no excuse for their treatment of files. I have XXXX with the right now and all XXXX are completely stale. I call in and there are no notes in the system and my " negotiator '' is never available. Supervisors are also never available. I have asked for return calls and NEVER received XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We are working on a modification to help save our home, however the representative is making it very difficult to work with. We have sent in requested information and on two occasions have been told that they did not receive the information, or more information is needed. At this point we are feeling overwhelmed and just want to give up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
The following message/alert from Citi Cards has been showing on my online account homepage for several weeks : " We have reissued a new Citi ( R ) XXXX ( R ) with the same account number as your current card. A new card is being mailed and should arrive soon. This replacement card may have been requested by an authorized user ( s ) on the account or is a new card being issued to you by Citi. '' An authorized user did not make a request, so I knew the card was being issued to me by Citi. I did not now what for, but I assumed it was to replace my current card with an expiration of XXXX XXXX, 2015. Today, XXXX XXXX, 2015, I utilized online chat with customer service to find out where the card was and was told the card was issued on XXXX XXXX, 2015 and should have been mailed 7-10 days prior to this date. I was even more confused so I called ( by telephone ) Citi customer service to find out exactly when the reissued card was mailed. It worried me very much that the card had been lost or stolen if in fact it was mailed months ago. The representative told me the card was n't even mailed yet and since my card expiration date was n't even until the end of XXXX, that it would not be mailed for several more weeks ... which I was expecting anyhow since again my card was n't even near expiration. Citi needs to fix this apparent technical glitch that shows the " mailing message/alert '' online so it does not cause worry for customers wondering where their new/reissued cards are located.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
1. In XX/XX/2015 I ordered a pair of hunting boots from XXXX, paying with a credit card. 
2.Subsequently I recieved a phone call from some one purporting to ba a representative of Comenity - The XXXX, informing me that I owed an over due payment for a pair of boots. 
3. I had no knowledge of this account # XXXX. I had neither requested nor approved the opening of this account. I have never reieved a credt card or notification of the existance of the account. 
4. I paid for the boots, using another credit card and requested that the accont be closed. 
5. Susequently, Despit many phone callsI have continued to recieved monthly statements citing overdue charges. The current balance approaches {$200.00}, all a concatination of overdue charges, the merchandise has been paid for. 
5.I have requested that all charges be recinded and that the account be closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Hello, After opening up a Citigold account for the promotional offer of XXXX AA miles, I visited a local branch to verify that by using the promotional code given to me and meeting the account requirements, I would be awarded the XXXX bonus miles. I am well past the 60 day requirement to issue my bonus, and I have confirmation documentation via Citi online chat that confirms I opened the bank account with the promotional offer in a valid fashion and that I have met the requirements, therefore I would be rewarded the points by late XXXX. Since that period I have requested the miles three times, being told that I would receive the miles within two business days.

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 2015-05-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Now I think I have heard it all from Citi. They are refusing to work on a dispute with a fraudulent merchant that did not provide product or services because I paid off the balance owed on my credit card. You are XXXX if you do and punished if you do n't. This is totally unreal the type of bull that a bank can do and get away with it. I am screwed out of thousands of dollars and now this.

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