vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been charged a total of {$160.00} since banking with Citibank that I have never agreed to. I believe they have been charging me without my consent and unfairly for some service I am not familiar with. 
When I just tried calling them, I was transferred to XXXX different departments. Finally the last one that handles the " safeguard charges '' could only cancel the service and told me that in 30 days after their investigation is complete, I would hear back from their investigations department. I asked if I can speak to someone that can explain the charges and how much I will be credited back and was not given any response besides you will hear from them in 30days to determine the outcome. When I asked the girl if she put in a request if she can confirm that we have the same amount and her amount was greater as I only have access to the last 2 years. Her amount was {$160.00} and I am going with that as I do n't have full access to my account online.

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 2017-02-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: IL

Complaint narrative:
I got a loan to pay for XXXX but the XXXX never was able to provide the service promised a refund but closed his practice finance company lending club will not return money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was charged {$1.00} from " XXXX XXXX '' on my Macy 's credit card. I never enrolled in life insurance with them, and have n't seen this charge before. It is considered a " credit life insurance 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 monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX citicards pulled my credit report and approved me for a credit limit increase on my credit card from XXXX to XXXX. There was negative information on my credit report at the time ( a bankruptcy filed XX/XX/XXXX ), however, my credit limit increase was approved. Since that increase in XX/XX/XXXX I have used my account in accordance with the terms & conditions, however, I am now being turned down for increases because of my bankruptcy on my credit report. 
With this in mind I feel unfairly discriminated against.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
i was looking at my credit card statement from bestbuy and saw a charge for {$20.00} from this XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-24 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Late fee and interest assessed when payment was mailed and dated as on time.

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 2016-05-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Was told I would have to appear in court with no date specified also the agent and I quote " good luck in court '' and then hung up ... At the age of XXXX I did not have a credit card with a XXXX credit limit which I tried to explain to him and at that point is when he hung up on 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 2016-01-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX, XXXX Dear Sir or Madam : I would like to request a credit for interest charge of {$300.00} related to a transaction from XXXX/XXXX/XXXX a purchase of a television from Best Buy for {$700.00}. The terms of the line of credit was 24 monts no interest as long as the {$700.00} was paid in full by XXXX/XXXX/XXXX. By my records I made the necessary payments in order to pay for the television in full by XXXX XXXX, however when I saw my XXXX statement I saw the television had a remaining balance of {$18.00}. I had a perfect payment history because I always came into the store on or before the due date to make my payment. I was n't going to be back in town before my XXXX XXXX due date so I made that payment online. Unfortunately I was informed via email in XXXX that my payment did n't go through. At that time I also discovered that {$300.00} of interest had also been applied to my account. I informed the representative that I made the payment online he informed me that occasionally customers have issues with online transactions apologized credited the late charge and I made my payment. When I asked could he credit the interest charge he informed it was past the required time when I could request a credit. This troubled me because as soon as I received an email notification that my account was delinquent I made a effort to correct it, in fact I used my card after I attempted to make the online payment in the store an no one even informed me my payment was never received. Once again I would like to request a credit of the {$300.00} I consider my self a loyal customer of Citi and Best Buy anything that can be done would be greatly appreciated. Thanks in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I attempted to change my address three times with Citibank. I wrote the change of address on the mail remittance. They cashed my check but did n't change my address causing me to get late fees. When I called them, they offered to credit some of them. It seems like a scam to get extra fees by not changing the address.

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: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I fell upon a hardship where I was unable to pay this debt in a timely manner. While I have settled most of the debts either through arbitration where I have made an offer that was accepted, others have sued me in court for the full amount. I am now on a fixed income and can not repay the debt. I live in the state of California and the debt has been turned over to a collection agency who is not the original lender. ( This is a Credit Card ). It continues to show up on my Credit Report and prevents me from improving my Credit Score to raise my standard of living. The debt ( s ) are more than ( 6 ) six years old and continue to haunt me. I believe that statute of limitations in California is ( 3 ) three years. Please advise 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 2015-10-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I disputed XXXX, XXXX, XXXX, and XXXX totaling {$6000.00} to citibank cashback mastercard against a merchant that debited my account last XXXX 2015. My mom asked the the merchant to credit my account {$6000.00} through email, for the service was under her name. It was approved by the merchant, and we forward the email to mastercard dispute dept. During that time, citibank mastercard conditionally credited {$3000.00} towards my mastercard. Should it have been a total of {$6000.00}? After several weeks, only {$3000.00} was credited to my mastercard. I called mastercard and asked about the other {$3000.00}. Since then mastercard has not given me a clear answer why my account was not credited. XXXX dispute customer agent said that there could have been a mis-coding. What is this mis-coding? I asked several supervisors later and none would tell me. Mis-coding? 
I have been doing all the calling to resolve this problem. I have talked to many supervisors. All have promised to investigate and call me back and not XXXX of them ever returned my call. I have been ignored constantly. I think that citibank mastercard is avoiding my request. Please help me resolve this problem. From the beginning, I have followed all mastercard 's steps and now something is wrong. Mastercard is not being transparent nor have the many dispute supervisors, who promised to call me back, returned my call, emailed me, nor sent a mail. 
My mother emailed the merchant requesting why the company is has not sent {$3000.00} to my credit card. The merchant has not responded yet. It is their policy to credit my Mastercard account only. It does not send money in no other way. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This is a junk debt. Originally debt was with XXXX XXXX XXXX. Made payments from XX/XX/XXXX till XX/XX/XXXX. Midland Funding bought my debt. I called them and they would give me no detail since the debit is currently being handled by there attorneys. Call XXXX XXXX XXXX they have never heard of me nor can they give me any detail on my account from XX/XX/XXXX. I am writing letters like a mad lady to dispute the court records of {$1900.00}. I only owe XXXX approximately {$350.00}. I have my credit union printing out a report of all payments made since XX/XX/XXXX to XXXX XXXX XXXX. They have filed a judgement against me in XXXX Municipal court which I am following up with letters and asking to meeting with a judge. Midland Funding, or there group of attornies, also contacted my old mortgage company with a subpoena to collect my banking information. This is illegal but of course my old mortgage company said they " had '' to give them the detail, and this is a inaccurate statement.

Company response to consumer: Closed with explanation
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: TX

Complaint narrative:
I applied for a new Citibank ( Checking ) Account Package promotion over the phone using promotion code XXXX. This promotion states that it would give {$400.00} if an initial amount of {$15000.00} or more is deposited into the account within 30 days. I asked the customer service representative that was opening the account for me if the promotion was applied to my account and I was told that yes - it was attached to the account and that I qualified for it. 

The account was opened on XXXX/XXXX/2016 and the {$15000.00} was transferred on XXXX/XXXX/2016. This is within the requirements of the promotion. I called recently to check on the status of the promotion and was told by the customer service that the promotion was not tied to my account - which is incorrect. I applied for the account over the phone, and was previously advised that the promotion was attached to the account and that I qualified for it.

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 2016-06-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am the XXXX and about two years ago we decided to open a Commercial Revolving Charge Account with Home Depot. I had to give my social security number and run my own credit to apply for the credit card. For billing and payment purposes, I gave the mailing address of our Management Company. I recently found out that the Management Company has not been properly managing the billing of this account and some individuals of the Management Company have been talking to the credit card representatives to make adjustments to the charges made to the credit card. Since the credit card information has been exposed to individuals who I do not know and some of them have left the company, I decided to change the mailing address and account number of my credit card for security purposes and start directly receiving the bills. It is here when the nightmare started. 
First, I tried to speak in XXXX but this option was a joke. ( Please, call XXXX and you could verify that the option to talk in XXXX does n't really exist and just skips to English ). 
I decided to speak in English and they were very rude, sarcastic and they were not cooperative with my request. They told me that I had to send a fax from a Home Depot store requesting the changes and I did it. ( Copy and proof of fax is available upon request ). Then I also sent the letter by regular mail and I went to the store where I applied for the credit card but the costumer service over the phone was not even cooperative with store to resolve this issue. 
More than two weeks after my request, I have not received the new credit card yet. I called again today, XXXX XXXX, 2016 and I was informed that I had to fax the request again and they mentioned new requirements in a piecemeal fashion. 
I feel that my rights have been violated and I have been discriminated against the use of my own credit card. I have not been allowed to own and manage my own account ; meanwhile they have been giving authority to other people to make decisions and changes to my credit card without my consent. 
I also feel that I have been disrespected and they are intentionally delaying the process to get my new credit card after I complained for the lack of security and poor customer service, and they have been reluctant to help me upon my request.

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 2015-08-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi XXXX XXXX : Harassment calls several times a day, for days after making a payment. 
I received a phone call that I missed a payment. It was in fact numerous phone calls thoughout a day. When I called in the automated system to make a payment ( almost XXXX times the amount requested ), I continued to receive the annoying computer generated calls throughout the day. For the day I made the payment, and three days later. Three days later of up to XXXX calls a day each and every day, including Sunday evening, at random times. 
This same thing happned a few months before, were even after making a payment I received numerous calls each day for a few days after my payment was made. After calling in both times to speak to a customer service rep, they acknowledged my payment, and apologized that there system does not recognize payments made on certain days, until some days later. I informed them this is harrassment and no excuse. 

I would like to see that Citi is prevented from harrassing people that have made the proper payment, and calls immediately cease once a satisfactory payment is made. Their calls have interrupted my family and business time, and have been harrassing in nature with the frequency and time both on Sunday and in evenings each night. 

I would like to see this investigated and fined to prevent this from happening to others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Bank division Card Services issued me a Citi Prestige Credit Card. Benefits of the Citi Prestige were to reimburse expenses to purchase up to {$100.00} a XXXX XXXX XXXX. 

Went to Global Entry Web site ( XXXX ) and purchased the XXXX. 
XXXX charges were made : 1. US Customs - {$50.00} on XXXX XXXX, 2016 2. US Customs - {$50.00} on XXXX XXXX, 2016. 
Both charges were done through XXXX web site and permission of Ciit Customer Service. 

Citi Cards Services has FAILED to reimburse me per the Citi Credit Card Prestige promotion and not I lost {$100.00} in unplanned and unreasonable expenses. 

Citi Card refuses to respond to my complaints after 7 phone calls and 5 emails on this topic.

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 2016-11-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Invalid charge not refunded. Bank demanded credit slip. No credit slip was issued. No receipt was ever provided or signed. Citi refuses to 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 2015-08-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.

Complaint narrative:
its not my account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I received a letter from Citibank dated XXXX XXXX, 2016 informing me that they had closed my Citi Prestige credit card ending in XXXX. The account was always in good standing, and payments were promptly made on time. The letter stated no reason as to why the account was closed other than stating that " Pursuant to our Card Agreement, we have the right to close your account at our discretion anytime without prior notice. We have chosen to exercise this right. '' There was no number listed to call and discuss the situation. The only way to contact them was to send a letter to their offices in XXXX XXXX, SD. 

I had accrued over XXXX reward points by directing spending to the card, and held in good faith that I will be able to redeem these points for travel when I needed them. When Citibank closed the account, they forfeited all the points without providing any advance notice or opportunity for me to redeem them. A letter sent to their Executive office did not result in a satisfactory outcome. They refused to reinstate the points, and were unwilling to provide any monetary relief. The practice of Citibank enticing customers to use their credit card with promises to reward them, and then unilaterally deciding to forfeit all rewards without notice seems to be a clear case of deceptive misleading advertising, and bait & switch. 

Citibank has not been forthcoming to offer any explanation on whether I had violated any terms of the agreement or caused any material loss to the bank. Under such circumstances, I am entitled to those rewards ( or equivalent monetary compensation ) as were promised when the account was opened.

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 2016-04-25 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Collection Solutions Inc.
State: ME

Complaint narrative:
I received a letter from " XXXX XXXX XXXX, XXXX. '' purporting to represent " XXXX ''. The letter is dated XXXX XXXX, 2016 and alleges that I owe {$1600.00}. The letter does not advise of an alleged initial loan amount, date of alleged loan, this office 's license to collect in my state, or any other identifying information about this alleged debt. This letter states that I have " ignored repeated demands for satisfaction of '' the debt, although this is the first letter I 've received from this office. The letter then unlawfully threatens me with " an additional cause of action '' and " significant increases ( of the alleged debt amount ) due to added costs and charges if additional ENFORCEMENT ( emphasis added ) is needed ''. 

This letter is threatening, falsely states that I have been previously contacted by this company, and provides me with no identifying information of what this alleged debt amount was initially or when I was ever contacted regarding the alleged debt. The letter further states that if information " furnished by ( me ) is determined to have been false, an additional cause of action may be instituted against ( me ). '' No information to which I am entitled by the FDCPA has been provided to me with this letter. Furthermore, there is no indication of the alleged original loan amount. In the state of Maine a payday lender may not charge interest on a loan per Maine 's XXXX Agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a Citicard DriversEdge card on which I had accumulated hundreds of dollars in credits for a new car. While living XXXX, they blocked my access to online payment. I tried to pay but they quickly cancelled the account and that gave them the opportunity to cancel my credits also. Since then, they turned it over to a collection agency. I made a deal with the agency to settle the account and sent them a check, which they cashed. They then apparently sold the account to another agency, which is bothering me for this money, and they did n't report the account as closed to the credit agencies.

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 2016-09-03 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I missed my XX/XX/XXXX payment for my Macy 's credit card which was due XXXX XXXX.. Macy 's had been calling me repeatedly since then at least 5 times a day. I 'm always punctual with my payments. I miss one and they start harassing me everyday. I do n't think they is a need to call me repeatedly everyday

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