vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
What Macy 's is up to with its collections and compounding late-fee practices does n't seem ethical to me, and hopefully will become illegal. 
After making about {$600.00} in purchases XX/XX/XXXX, I set up my monthly {$25.00} Macy 's payments set up with my bank ( XXXX XXXX ) to go out XX/XX/XXXX, three days before the due date ( XX/XX/XXXX ). 
XX/XX/XXXX I started getting five calls a day ( literally ) from Macy 's that my payments were late and I was behind! Say what?! 
I called XXXX to ask what the heck was going on. They explained that if XX/XX/XXXX fell on a weekend, as it had in XX/XX/XXXX, they wait until the following Monday ( or Tuesday, if a long weekend ) to send it. 
And because I did n't know about it and my next auto payment in XX/XX/XXXX did not include the {$35.00} late fee, Macy 's charged me ANOTHER late fee, so were not claiming I owed them {$70.00}. : - ( I unhappily paid the late fees and requested that XXXX to move the payment dates up by 2-3 days, to XX/XX/XXXX or XX/XX/XXXX. 
2-3 months later, more harassment calls from Macy 's started. Same story : XXXX late payments and compounding late fees. 
I called XXXX again -- the person I spoke with earlier at the bank had n't moved the pay-out date. I stayed on the phone this time to get confirmation as XXXX moved the date up to XXXX, a full week before my Macy 's payments were due. 

Out of principle, because their practice of charging late fees for unpaid late fees is so very wrong, I have dug in my heels and not paid the late fees. So although my minimal {$25.00} per month has been paid like clockwork each month since XX/XX/XXXX, Macy 's has continued to mount hundreds of dollars in late fees. 
My letters to the exec offices of Macy 's have done no good. They are intransigent about this practice, which to me, seems like extortion. 

I closed the account and told them I will be paying off my entire bill for the merchandise and interest, but out of principle, I that I will not be paying them their late fees. 
Please look into this, and press for reforms to any legal loopholes that allows Macy 's to take advantage of consumers in this way. 

Thank you. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
signed up thru Home Depot account ( Citi group ) Payment was made thru this system. Received an alert for change on credit report, upon investigation it was determined this was the account that alerted. I received NO indication that this was an issue, however I continued to receive marketing materials from them. I contacted HD credit card services they initially stated that there was some problem in processing. Best they came up with was that the routing number information must have been entered wrong. No answer given was in any attempt to rectify this issue just excuses. Was forwarded up the chain and was told that when the payment was made they would forward that for consideration for removal. Was given the run around when asked when this would be removed and why was I not notified of this issue before the credit report was made. As of today that account will be current to satisfy the issue however i received no satisfactory answer as to this report on my credit.

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 — Account terms
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$430.00} to XXXX for XXXX. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX. 

I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$430.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.

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 2016-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Asset Management Systems Inc
State: FL

Complaint narrative:
My mother since 2012 has been receiving calls from a XXXX Company looking for XXXX. My mother, XXXX XXXX, since having acquired the number in 2012 from XXXX started receiving calls. As she does not speak XXXX, she tells me that they call and hang up once she starts talking. I return the numerous calls and after speaking to someone, always find out its actually for an XXXX XXXX. After a heartless apology for the mistake the countless reps over the years have vowed with every fiber of their being to remove the number to ensure she never gets a call again. A few months go by before another call looking for an XXXX XXXX from the same company. Today was the last straw, I called back and spoke to a representative and then his manager XXXX XXXX who was extremely rude, condescending, and was deriding my XXXX background when I was speaking to my mother the victim of these non-stop harassment calls that she does not understand. XXXX kept overtalking me and refused to apologize for the way he was speaking to me. Again the calls for XXXX XXXX has been ongoing for over 3 years. XXXX has confirmed with me that the they have XXXX XXXX for my mothers number XXXX and they do not know why this collection company say its XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have tried multiple times contacting Citi for help with my credit card account, each time has been unsuccessful. The first time I waited for 30 minutes and hung up. Second time I waited for an hour before hanging up. An email to customer service yielded a generic apology and reference to how I could not receive a refund of my annual fee.

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 2015-05-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Purchased wrong items at Macys online using a Macy 's Gift Card. Items wrong sizes. Customer service tells me to place new order for exchange using my Macy 's credit card account and they will then credit this account for exchange. 
Macy 's incorrectly ships XXXX replacement orders when they receive the returned items. 
After 45 Days of waiting and contacting Macy 's numerous times, Macy 's has still been unable to correct charges on my credit card account, and Macy 's has charged a late fee as well for not paying my credit card account on time for the incorrect charges to the account. 
Macy 's has been unable to track my accounts and purchases. All the items have been returned, and there still has not been a full credit to my Macy 's credit card account or the Gift card. Macy 's representatives were unable to identify any problems and dismissed my complaints as well. 
No confidence with Macy 's credit card account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
In 2010, in order to build my credit, I have made a secured deposit of {$500.00} with citibank. I have been given a secured credit card of the same value ( {$500.00} ) about one year later my balance on that secured credit card was {$460.00}. At that time, I have call citibank to make a request that I would like to cancel the contract due to my financial situation. I have requested the due balance of ( {$460.00} ) should be deducted from my secured deposit, and my balance of {$40.00} to be returned to me. I did not receive any feedback from citibank. two years later citibank took me to collection. All my attempts to explain the situation have been unsuccessful. 
As I am filling this complain today the debt from about $ 1000 years ago is now {$630.00}. 
citibank have never given me a regular credit card. 
I did not receive my secured deposit of {$500.00}. 
At the opening of the account I was told that the {$500.00} will be used to cover any debt in case I ca n't pay myself. 
citibank has ruined my life by taking me to collection for a debt I do not contract. please help me out with this issue.

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 2016-01-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Been fighting with CitiMortgage for a modification since XXXX ; Hired an attorney to assist ; Modification keeps increasing amount due which is unaffordable ( $ XXXX/month ). Now forced to short sale ; lender keeps losing docs & saying they did n't get them which delays process ; Lender did exterior appraisal only, inflating value without seeing inside work needed. Feel like they are purposely not trying to help me short sale house. They are discriminating against me and do not want me to keep my home as evidenced by the their unwillingness to work with me on both a modification & the short sale. I have been in the home for almost 16 years. Foreclosure sale scheduled for XXXX/XXXX/XXXX.

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: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My debit card account was illegally accessed. Among the items fraudulently charged were items that the criminal charged on XXXX XXXX, 2016 at XXXX inthe amount of {$640.00} and had shipped to XXXX, New York ( I do not live in XXXX, New York ). Citibank at first after I discovered and reported the unlawful charges credited my account the {$640.00} ( there were a number of unlawful other charges that were also credited ). Then, over two months later on XXXX XXXX, 2016, Citibank took the money back. So much time had passed that I did not know what the charge was even for. I called Citibank and over the next two days spent over four hours on the telephone with differennt representatives, but they were unable to explain why this charge was present. Finally I thought to call XXXX customer service. They were also perplexed because they had internally concluded that the charge was in fact fraudulent. XXXX and I called Citibank. With this additional information Citibank could not explain why it had chosen to reverse the charge. XXXX offered to provide a statement in writing agreed to acknowledge its conclusion that the charge was fraudulent. Citibank then agreed to repoen the investigation. But my account was not credited. A few days later I called Citibank to ask for an update and - after a great deal of time because once again no one seemed to be able to access the notes regarding the events noted above - Citibank said that it would not reopen the investigation to accept XXXX information and statement and that I would have to file an appeal. I said that ( 1 ) Citibank has ALREADY AGREED TO REOPEN THE INVESTIGATION, so I should not have to appeal and ( 2 ) it was clear that Citibank had already failed to conduct any valid investigation of the facts ( based on their inability to expllain what investigation took place ) so Citibank should do so first conduct a proper investigation before forcing a customer to appeal. At that point Citibank stated that it would be no further help to me and I realized that ( 1 ) I needed to come here to get my money properly refunded and ( 2 ) Citibank needed to have its system reviewed to ensure that it was providing its customers fair and due process.

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 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I successfully completed a 60 months Chapter XXXX Bankruptcy. I filed my case on XXXX/XXXX/XXXX in the XXXX. of Ohio as case Number : XXXX. I received a discharge on XXXX/XXXX/XXXX and my case was closed on XXXX/XXXX/XXXX. The bankruptcy trustee paid my mortgage through the Plan. The Court issued an order on XXXX/XXXX/XXXX finding that all pre-petition arrearage had been cured and that all post-petition payments had been timely made and that the bank should adjust its balance pursuant to the original amortization schedule of the loan. I have timely made each of the payments on the mortgage loan since the end of my bankruptcy. I ordered a complete account history from Citifinancial XXXX. and from the Chapter XXXX Bankruptcy Trustee and gave those records to a certified public accountant. The accountant prepared an official report and came to the conclusion that I owe only {$56000.00}. Citifinancial says that I owe them in excess of {$120000.00} ( though the figure frequently changes XXXX. No one at Citifinancial, XXXX will talk to me and I just get bounced around from customer service to the bankruptcy department and then back to customer service and then back to the bankruptcy department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had a XXXX XXXX business card through Costco that was switched to Citibank this summer ( 2016 ). I received a letter alerting me of the switch ( sometime in XXXX? ) but never received a new card from Citibank or any other statements/notifications. In XXXX, I was contacted by XXXX, XXXX and XXXX who alerted me to a balance owed on the Citibank card. I had forgotten about a purchase during the transition and as soon as I was contacted paid the balance in full minus the fees from Citibank. I contacted Citibank to inquire why no card or statements had been sent to me and to ask for forgiveness regarding the fess considering the situation. I was informed that indeed no card or statements had been sent yet Citibank confirmed that they had all my current information. I faxed a letter of dispute to Citibank XXXX/XXXX/16 and followed up XXXX/XXXX/16 and was told they had not received my letter. I re-faxed XXXX/XXXX/16 and did not hear any response until I called Citibank XXXX/XXXX/16. I was then told my dispute had been denied and I owed a total of {$100.00} for late and interest fees. It took several calls and transfers to finally find someone who could help me as I was told multiple times I no longer had an account, nor could they find my account. Further, I have been denied knowledge of my account number making it very difficult and cumbersome to access my account each time I call. I am disappointed that Citibank had many opportunities to mail, email, or call me regarding my balance but instead sent me to collections. Because of this I feel the late and interest fees accrued should be removed. I have been informed that the account is now closed and the dispute team is the division that has the power to remove my charges. I have been denied by my first attempt and am sending in another fax today, XXXX/XXXX/16 to have it reviewed once again. Before this issue, I never missed a credit card payment to XXXX XXXX ( or other credit cards as well ). When I spoke with the collections representative she stated that many, many CostcoXXXX customers were experiencing the same situation as myself. 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 monetary relief
Consumer complaint received 2017-01-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
We 've had an accounts with Citi Bank since XX/XX/1978 and have always paid our bills on time and in full. They refuse to lower our APR, despite us having a high XXXX score. They advertise much lower APRs than we were offered. We have a comparable card with XXXX that we have the lowest APR on offer. Citi 's advertising is misleading.

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 2015-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
We have our home mortgage with CitiMortgage. Our loan # is XXXX. Last year we were approved for a loan modification and ever since then have made our mortgage payment on time. Every month beginning on the XXXX we get repeated automated phone messages from CitiMortgage and after a few minutes a representative comes on the line and begins to go through the whole disclosure speech about the call being recorded and being an attempt to collect a debt etc. XXXX we are able to intercede we tell the representative that our mortgage payment is just due and we have by agreement a fifteen day grace period to make the payment. We further state that if they check their records they will see that all of our payments have been credited before the grace period has elapsed. We ask politely to not call back unless we fail to have our payment to them by the fifteenth of the month. Usually they are rude and say that the reason for the call is that it is the first of the month and the payment is due. We get nowhere with them and ask thatthey refrain from calling again. However, this cycle is repeated over and over again sometimes 3 or 4 times a day. Each time a different representative who claims there is no record of any previous call in their system. Yea right! This practice of harassment has been going on each month for the last year. My wife has to field these calls all day long and is frustrated that we can not find a method to have them cease. I have threatened lidigation, contacted the do not call list and have had to become forceful in my response to them on the phone all in hopes we can stop this harassment. Nothing has worked. Every time I speak to a manager ( I assume they are what they say they are XXXX they apologize but the calls keep coming in. What can I do to stop this nuisance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XXXX I got divorced. A quick claim deed was signed as well as in the divorce decree it states that the rights to the property were given solely to me. Since then i have had XXXX loan modifications done with my information only, and each time Citimortgage refuses to remove my exes name from the mortgage. They say they are not allowed to even though there is no law saying they must retain her name. I have sent them a letter requesting the information under which they make this decision but do n't know the outcome of that. The first loan mod was done in XXXX after Citi said no partial payments were accepted in catching up payments that i fell behind in XXXX for hospitalization. I found that to be wrong 7 months after the occurrence. and they never once included in any discussion my exes name or even if she had to sign or participate. after the trial payments and the paperwork was returned and then they said they never received the paperwork or the check, which i had those involved prove to them the info was received on time and by whom. I then get the news that my ex had to sign. Later they without writing increased my amount to more than i could handle at that time. So XXXX XXXX I put the house on the short sale market. after XXXX bids were rejected i find out just in XXXX that a retention had to be done by FHA requirements. Finding out that it was supposed to be done before any short sale according to FHA. so a few weeks ago i submitted the paperwork not expecting anything and now they approved another loan mod. This is the 2nd XXXX i referenced. Again they said no info was required for my ex or any paperwork needed from her. But after talking to citi I would like to stay and i can make the payments and i accept the loan offer, they still will not remove her name and that is the problem. I can not stay in my home if her name is not released. She wants no part of this. This is a brief run down of the occurrences that happened. It is more complicated than that but the name removal is now priority. If her name is not removed from the mortgage the property will be up for short sale again. I see no reason after having been approved for XXXX loan mods now that her name should remain on the mortgage.

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 2016-10-20 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I used to have a credit card account with Citi bank and there are many fraud charges on the credit card that never were credit back to me. Entire year os 2014 charges for he credit card citi is fraud.

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