vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I wanted to purchase something with my Sears/Citi Bank Master card, so I took my card out and I noticed the the card had went past the expiration date which ended on XXXX/XXXX/XXXX. I did n't receive my new card so I called Sears to see if they sent me another card to replace the old one. At first they said that the card had been returned and they would send me another one. After placing me on hold many times they finally came back and said that my account was being closed because I had n't used my card in XXXX months. I currently have a balance over {$2000.00}, I have been making my payments on time and I have n't missed any payments. I opened this account back in XXXX and I have never had any issues with this account in the past XXXX years. Then I finally talk to a supervisor and she tells me that the last time I used the card was on XXXX/XXXX/XXXX and that if the card is not used in a twelve month period the account would be closed. I spoke to them on XXXX/XXXX/XXXX and I reminded the supervisor that I had XXXX more days to go before the year was up. She said that it did n't matter and that my account would be closed anyway. I 'm sure I 'm not the only one who has been caught in this situation and that it may be a nation wide problem. Like I said before, My account has been open for more than XXXX years and I 'm just stunned by the treatment that I received from this company. It 's all most like my XXXX years do n't mean anything to them. I have fought to keep a good credit record and to pay my bills even through the great recession. After all of my hard work to keep my XXXX credit score, I find out that it does n't matter. I almost want to file bankruptcy so I do n't has to pay any of them back. I 'm asking you to help me to fix this situation. 

Thank you

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: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
After submitting an initial complaint to CFPB ( Case number : XXXX ) I had received, and accepted, an offer from CitiBank to pay {$6000.00}, {$250.00} per month over 24 months, as a settlement for my account. ( letter attached ) I have sent XXXX payments of {$250.00} to CitiBank, but never received a final statement from CitiBank. ( final letter that was included with payment attached - note that I have copies of all 24 letters sent to CitiBank that were included with payments ) I received a collection notice dated XXXX, from a collection agency demanding payment of an additional {$6300.00}, originally from CitiBank. ( attached ) I responded to the collection agency stating that I had paid all monies due ( letter attached ) Collection agency stated in letter that they would provide me with validation of the original debt, but I have never received anything back from them. 

Incorrect listing of the final resolution of my account has been sent to credit agencies by both CitiBank and the collection agency, and has severely hurt my ability to get loans. 

I have made every attempt possible to fulfill my side of this agreement, but CitiBank refuses to honor their side, and I need assistance with getting CitiBank to get them to honor their agreement.

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 2016-05-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Hello, The incident happens, when I make a Payment to HSBC Mortgage services the Monthly payment of $ {$2000.00}. And during the payment I made by internet 1 ) of XXXX, 2 ) XXXX, 3 ) XXXX before the mature date of which is on the XXXX of the month thereafter when I try to make a payment of XXXX into make other payment in the system appears in their computer is on maintenances but during the payments they set XXXX charge of XXXX dollars of which I consider no justifications because is not my problem they having error in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
City Bank/XXXX Visa will not provide me with a monthly statement and will not resolve the issue and is refusing to dialog with me to resolve the issue. For six months now I have not been able to access my credit card statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
After being a loyal XXXX XXXX XXXX and XXXX customer, I recently expanded by loyalty to Citi to only endure a disturbing experience as follows : I had responded to, and was accepted for, a Citi XXXX XXXX offer for XXXX awards points. 
I began using my card while on vacation in XXXX. 
My Citi card was immediately breached and I was the victim of fraud. 
The card had to be closed and a new card had to be issued. 
The new card that was delivered without notification to me and sat in the concierge office for over a week. 
I paid off the breached card in FULL. 
I activated the new card and resumed making charges. 
Citi has denied its commitment to honor the XXXX XXXX XXXX points. 

After we activated the replacement card we called Citi to reconcile the account to determine how many more dollar purchases were remaining to receive the deposit of the XXXX XXXX XXXX points. We were informed by a Citi representative the XXXX would not be honored due to the delay in making our purchases within the timeframe. We were SHOCKED no consideration was offered due to other fraud issue that was not our fault. Any access to our card information was due to insecure Citi systems since the card never left our possession. 

We have been contacting Citi for over 30 days through multiple channels only to be stonewalled and deflected ( voice mails were left with no phone number or contact information ). We finally reached XXXX, a Citi representative, who contacted XXXX XXXX. XXXX indicated they would be willing to issue the XXXX points as promised. XXXX then contacted the Citi department to have the award of our points authorized but then told us it was being denied by Citi. At this point, we were completely frustrated and felt like we had become the victims of a bona fide " bait and switch. '' Due to the delay and inconvenience caused by the fraud issue, I am shocked and disturbed Citi is taking such a hardline approach to this. Because I suffered a breach in security with the fraud issue, I believe anyone would think it reasonable for Citi to make a concession and offer some additional time to make the required purchases. 

ISSUE There is no protection for a consumer to be able to make purchases when fraud has been committed. The delay caused by the card being closed should not penalize the consumer. Citi should make reasonable and fair provisions for the opportunity for purchases to be made. 

THE ASK Citi to reissue the card and honor the award of the XXXX XXXX XXXX points. 

Any help you could provide would be greatly appreciated.

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 2016-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
My wife and I were working with XXXX, a HUD approved mortgage counselor, to apply for a HARP modification with CitiMortgage. We had initially applied in XXXX, 2015 and after numerous submissions of income and information, we were denied the HAMP modification. Our housing counselor at XXXX even mentioned that we should get a lawyer at one point in the process because CitiMortgage was giving us the runaround. CitiMortgage told us that the reason the HAMP modification was declined was because our income of $ XXXX/month did not reach the XXXX % mark for the loan to be modified. We were only at XXXX %. The XXXX counselor then contacted CitiMortgage to confirm the numbers and asked, at our request, for an appeal and that CitiMortgage include the income of my mother-in-law, XXXX, to qualify as well, since she is living in the home with us permanently and my wife and I have power-of-attorney over her finances. After much back and forth, CitiMortgage decided to allow her income on the appeal, which was around $ XXXX/month. All we needed was another $ XXXX/month income to get the HAMP modification and XXXX agreed to let us use $ XXXX/month toward that purpose. However, when we reapplied, CitiMortgage again rejected us for the HAMP modification. They stated that from our original income of {$5000.00}, the new income for the second decline was {$4900.00}. Instead of increasing the original amount of income by {$800.00} to {$5800.00}, CitiMortgage decreased our income to {$4900.00}, a decrease of {$130.00}. This is fraud. After that, CitiMortgage offered us a blind " modification '', as they called it, of a 40 year loan with 7 % interest that was not based on any of our income. This is bait and switch.

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 2016-01-10 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I took a cab ride with XXXX on XXXX XXXX, 2015. I added my XXXX credit card to my profile to pay for the ride. About a week ago I started receiving collection calls from " PayPal Credit/BillMeLater ''. I logged into my REGULAR NON-CREDIT PayPal account that I opened a few years prior and came to find out that they WITHOUT MY AUTHORIZATION opened a PayPal credit account in my name and charged the {$60.00} XXXX Ride to that account. I NEVER received ANY statements or cards in the mail. I NEVER got any calls before last week. I WAS NOT AWARE of any PayPal Credit account being opened NOR did I apply for one. All I did was take a cab home from the airport and THOUGHT I paid with my XXXX card. Now, they are trying to say I owe them over {$160.00} -- I 'm guessing the extra {$100.00} are late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Macy 's somehow got my XXXX year old Mother 's phone number. They called her 3 times before noon last Sunday regarding debt collection of my account. I am XXXX years old and have never give my mother 's number to any credit card entity. It upset my mother terribly. I called - It took three tries to find someone whose English I could understand. Finally I got " XXXX '', a rep, who refused to tell me how they got her number. He finally did say it was added XX/XX/2015. I have been ill and unable to work. I have told them I will pay as soon as I can. While I was on the phone " XXXX '' over and over kept trying to get me to say I would pay by next Sunday. I told him I would not say that -- that I would pay as soon as I could. He kept on saying the same thing over and over. I feel calling my Mother at all and even worse on a Sunday, as well as the way XXXX kept trying to get me to say I would pay by the following Sunday, when I told him over and over I would not say that and I would pay as soon as I could is out of line and total harassment of both my Mother and myself. My Mother was EXTREMELY UPSET!

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 — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After seeing a promotion on my Citi credit card website, I saw that CitiBank targeted me for a promotion which selected Citi AAdvantage Platinum Mastercard holders and offered them XXXX AAdvantage miles if the targeted customers opened up a CitiGold checking account, made {$1000.00} in purchases, and 2 bill pays. 

I called Citi to opt in to the promotion, opened up the Citigold account, made all the spend limit purchases on the debit card for XXXX and the two bill pays - I did all of this and have yet to get my points, a proper response from Citi, and am being totally stalled. 

I have contacted Citi MULTIPLE times via phone, online messages, and chat. There has not been a proper response, and Citi even got the dates wrong and told me one thing and then another for their 'investigation ' into this matter ( I complained on XXXX XXXX, was told I 'd get a response in two business days, never did- contacted them again ... no response, said my complaint was on XXXX XXXX!!! ) I 've read reports online that this is happening to a lot of people, and it is a shame that Citi has swindled so many people.

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 2015-09-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Solidus Group LLC.
State: CA

Complaint narrative:
I recently had a recent installment loan with XXXX XXXX XXXX. I defaulted and agreed to pay down the loan by XXXX a month. In which the company agreed. After doing so for the past 3 months I received a call from someone at XXXX ; advising me that I am being sued and soon to be prosecuted for writing a bad check. I asked what is this regarding and they advised me to speak to Solidus group at XXXX. I Then called, and I was advised the same thing that I am being sued and if soon to be prosecuted criminally for writing a bad check, I advise the gentlemen XXXX XXXX with Solidus group I never wrote a bad check to XXXX ; I changed my checking account info due to the recent XXXX. Credit and checking acct Hack ; and that I have been in a payment agreement with XXXX for the past 3 months so I am unsure as to why you are threatening me. I advised them that I am in a financial hardship due to paying my grandmother medical bills and I am only able to pay the XXXX in which XXXX agreed to ; I was told that payment arrangement is not acceptable and we are going to prosecute you civil and criminally.I continued to ask repeatedly during the conversation is this a collection agency and the gentlemen refused to answer the question. PLEASE HELP.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITIBank credit card company allows OTHER people to add ANYONE they want to their credit card. My boyfriend ( not married ) added me to his credit card ( he did n't know it would affect my credit ) and now his balance and credit is being reflected on MY credit report without any knowledge or consent on my part. 

All he needed was my NAME. This is absolutely absurd that I did n't have to give consent to become an authorize user. Please fix this policy and prevent CITIbank from being so deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a macys card which was switched over to XXXX and the XXXX folks confirmed that I did n't receive a statement or notification that a balance was due. While they are reversing the late charges and updating the credit agencies, my credit limits were reduced ( on a citibank card which I learned from trying to balance transfer funds ) which will cause me to incur finance charges that I would otherwise not have to incur. While I am not asking for anything I think it would be beneficial for XXXX and Macy 's to communicate to cardholders when there are charges due on an account. I specifically asked if an email notification or other notification was sent via billpay and they said " No, we apologize and will reverse the late fees and update the XXXX '' While this is a basically 'acceptable ' response it caused me to spend time and effort on something that should not happen. Ideally I want XXXX XXXX dollars so I can retire and educate people on this but I know that 's not realistic!

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 2017-01-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have the same complaint that everyone else has. Macy 's trying collect wrongful change. Macy 's switched my account to an American Express card which I never activated. About six months later I started getting collection calls when all was said and done I owed Macy 's over {$300.00} for billing charges/ late fees. I never charge anything for past 2 years and they keep sending me the bills. Macy 's account showing a past due amount with a late payment charge of {$27.00} plus an interest charge equal to 24.75 % yearly rate on the unpaid balance.I have called Macy 's Customer Service twice to Complain to them about this Charge. I just received this letter saying? I am attaching the letter with this compliant.

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 2016-02-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have a Macy 's American Express card. My payments are ALWAYS on time. For the past 5 months ( I have statements to prove ) they have sent me my bill with late fees, purchases and interest charged. This account was requested to be closed and I do not have a credit card to even make purchases. Each time I have called they give me a hard time then they say your are right we will make the adjustments. They tell my my new balance and minimum payment. I make the minimum payment and again they send me my bill with late fees, purchases and interest charged. I called a few months back and I was told that they were sending my payments to another card. When asked for that account they told me they could tell me. This is beyond ridiculous and I am frustrated and tired of getting this fraudulent bills and then I have to take time out of my day! Please help me as I want to pay this amount off and never ever use an American Express card again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Macy 's credit card services recently underwent an online site update that has made it impossible for me to view my statements or update a payment. Without my consent, Macy 's changed my automatic payment from minimum+ {$100.00} to simply the minimum payment, causing me to incur interest I do not want to pay. When I talk to customer service they say they can not fix the issue and that I have to login to do so. Macy 's online site has been unavailable for weeks and I am now going into a XXXX billing cycle with this problem. Also, because I have electronic statements, I can not view them. Macy 's refuses to fix the issue with my account and therefore I am not able to review my account, check it for fraud, etc. They also refuse to give me any updates on when the issue will be fixed and frankly will not speak with me regarding the source of the problem. They only state " we do n't know when it will be fixed, try logging in tomorrow. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase 's " balance '' on my card and what I calculate from Chase 's own records that my balance should be shows a discrepancy of $ XXXX- {$300.00}. I 've complained repeatedly and they are evasive ; they do n't answer my questions directly. I 'd be happy to provide a spreadsheet, except since I complained they 've made unavailable previous transactions, and in fact, I ca n't see my complete transaction history since I bought the card on their site. I 'll upload XXXX versions of my " complete '' transaction history, XXXX from the day of my first complaint, XX/XX/XXXX and XXXX from today. You 'll see that they allow me very little access to my own information, most likely as a way to ensure that I do n't see what they 're doing. The fact is, the XX/XX/XXXX statement goes back to XX/XX/XXXX, and before that I paid off every single bill in full every month. Combining these XXXX documents should make the current discrepancy clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX solicits the public to sign-up for its XXXX XXXX Citi credit card by offering the flying public several perks.including among them the right to have XXXX Boarding when purchasing a ticket. That is being able to board before the general public and therefore to have more time to relax and prepare for your flight. In the past XXXX months XXXX has failed XXXX to honor this advertised perk for my wife and I.. Their most recent response to me today was : 'The number of customers previously included in XXXX was simply becoming unmanagible. '' If this is their position why are they allowed to keep advertising this perk to the public as an inducement to accept their card. No goodwill adjustment has been offered to date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief