vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-09 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
HOME DEPOT SALESMAN DOUBLE TALKED ME AND I REPLACED MY XXXX CAR GARAGE ROOF ... ..NEVER PASSED INSPECTION POOR WORKMAN SHIP ... GAVE ME WRONG HOME DEPOT CREDIT CARD WITH CITI BANK ... I SIGNED CONTRACT FOR NO INTEREST FOR 24 MONTHS NO INTEREST RATE ON CONTRACT I SIGNED ... 
I THOUGHT I HAD ABOUT 90 MONTHS TO PAY OFF ... MIS LEAD ME. I JUST FOUND OUT XX/XX/2016 THEY GAVE ME WRONG TYPE OF CREDIT CARD FROM HOME DEPOT ... .I THOUGHT I WAS GETTING A " PROJECT LOAN CITIBANK CARD '' BUT I DIDNT RELIZE THE DIFFERENCE UNTIL XX/XX/2016. NOW THEY ADDED OVER {$5000.00} INTEREST AND I AMOST HAD A XXXX.. I WAS PAYING THEY MONTHLY ABOUT $ XXXX-XXXX ... ... .THEY STILL DID NOT FIX MY ACCOUNT BACK THE PROPER WAY. THEY BEEN CALLING AND ASKING FOR MONEY THAT I DO NOT OWE AT THIS TIME ... ..I SENT PAPER WORK TO THE OFFICE THEY REQUESTED LAST MONTH BY CERTIFIED MAIL AND IT WAS RETURNED TO ME ... TODAY SAT XX/XX/XXXX. I ASKED AGAIN ABOUT MY ACCOUNT AND WAS DIRECTED TO SEND PAPER WORK TO ANOTHER OFFICE IN XXXX. I WISH SOMEONE WOULD HELP ... XXXX SO MUCH FOR THE HELP IF POSSIBLE MY HOME DEPOT ACCOUNT NUMBER IS XXXX XXXX XXXX XXXX NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Tel XXXX XXXX XXXX BOTTOM LINE I WOULD LIKE THEM TO GIVE ME A " PROJECT LOAN '' CREDIT CARD AND TO FIX THE ROOF PROPER OR TO REMOVE IT COMPLETELY SO I CAN HAVE ANOTHER COMPANY INSTALL THE ROOF ... PLEASE LET ME KNOW IF YOU CAN HELP. 
BALANCE DUE ORIGINAL CONTRACT XXXX. As of TODAY BALANCE {$9700.00}. Thanks

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 2017-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/XXXX I bough a condo and had a 1st and 2nd mortgage on it since I put down about 12 % on the house. The mortgage was acquired by Citibank from XXXX and I have always paid my mortgage on time. I later refinanced my 1st mortgage through XXXX and my 1st mortgage from Citibank was fully paid off on XX/XX/XXXX. I refinanced my mortgages again in XX/XX/XXXX and I was informed that for the 1st mortgage that was fully paid off years ago the report from XXXX showed that the current status was " PAYING UNDER PARTIAL AGREEMEN XXXX '' with a XXXX balance. I am not sure why that is since the mortgage was paid off years ago. In addition we are selling our house and looking for a new one and something like this on my XXXX credit report increases the likelihood of me getting a unfavorable mortgage rate. I kindly request some help so me and my family are not penalized for an error in the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HOVG, LLC
State: UT

Complaint narrative:
pUT ME IN COLLECTIONS WITH bAY cREDIT, AFTER REPEATED ATTEMPTS TO GET PROOF IT WAS MINE.tHIS WAS FOR XXXX AND & I HAVE NEVER BEEN ON XXXX.WROTE THEM NUMEROUS LETTERS, SENT THEM PROOF AND THEY REFUSED, STILL PUTTING IT ON MY REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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:
In XXXX/XXXX/XXXX, I have open a new checking account and deposit {$15000.00} with city bank. I can get {$400.00} Cash bonus if I keep the minimum balance of {$15000.00} for the next 30 days that city bank said. But after 30 days they have't gave me the bonus. I went to city bank 3 times to ask my bonus back but they said that I have to wait the city bank main office send the bonus to my account. Today is XXXX/XXXX/XXXX, I am still waiting ...

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 2017-01-31 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
With XXXX Exxon Mobil / CITI card. I have never paid this account late. It has always been on auto pay. XX/XX/XXXX something happened in their system and it made a auto payment from a closed account. If you look at the statement for XX/XX/XXXX it has the date of the payment as XX/XX/XXXX. From the file named " exxon payment '' you can clearly see the date of the payment and also it was from a different checking account than any other recent payment. They even credited back all charges and fees. I tried several attempts to get this corrected and they say they will but never follow thru.

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 2015-06-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
This Debt was Charged of in XX/XX/XXXX with Citi. In XX/XX/XXXX it went to XXXX XXXX XXXX. They were sued by the FTC.One of the nation 's largest consumer debt buyers has agreed to pay a XXXX civil penalty to settle Federal Trade Commission charges that it made a range of misrepresentations when trying to collect old debts. In addition, the company, XXXX XXXX XXXX XXXX, has agreed to tell consumers whose debt may be too old to be legally enforceable that it will not sue to collect on that debt They still have on my credit report and increased the balance from the XXXX Charge off to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My issue is with the Macy 's American Express Card, which I believe is now managed by Citibank. I have a problem with the account but can not reach anyone in their customer service via their published contact information. There is no choice to reach a CSR and all the options just go to another menu then another and another and you never reach a person. I even selected Report Card Lost or Stolen and it went to another menu with no live person. The problem with my account is they are reporting incorrect balance information so I am worried of fraudulent charges or some other issue as my balance is less than credit line but they report XXXX credit available. I have sent via their email contact XXXX messages on XXXX and not XXXX response from their customer service. Sent another message on XXXX and again no response. I am real close to taking legal action as my next step but thought this avenue needed to be done to address their lack of contact option and no response to my issues with my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank continues its deceptive marketing practices despite the Consumer Financial Protection Bureau 's ( CFPB ) order last year in which Citibank and its subsidiaries were required to pay {$700.00} XXXX in consumer relief for illegal practices related to credit card add-on products and services. Citibank has repeatedly sent deceptive marketing mail to BOTH my personal physical and email addresses with explicitly stated offers of my eligibility for bonuses of XXXX XXXX miles with its AAdvantage credit card. I accepted Citibank 's offer and signed up for the AAdvantage credit card, but then Citibank refused to provide the airline miles that it explicitly told me ( in email and in physical mail ) that I was eligible for. Citibank 's failure to uphold its end of the contract has caused me great harm in that Citibank looked into my credit history under false pretenses and negatively affected my credit report in doing so. I never would have allowed Citibank to look into my credit history, and I never would have given Citibank my personal information, if I had known that the company would refuse to provide me with the airline miles it explicitly told me that I was eligible for. Citibank completely failed to uphold its end of the bargain/contract based on the offer it emailed and mailed to me and my acceptance of that offer. Citibank continues to regularly engage in deceptive marketing practices that harms millions of consumers. SEPARATELY AND ADDITIONALLY, Citibank has sent me notices about the benefits of enrolling in its fraud-alert services. The CFPB found that Citibank falsely claims the fraud-alert services would notify customers of fraudulent purchases. Instead, the monitoring only provided alerts to changes in customer credit files maintained by major credit-reporting firms. Despite the CFPB 's findings, Citibank keeps emailing me and mailing me, to my personal address, vague and leading offers of credit card add-on services which state they have a " free 30-day trial '' but in fact charge customers immediately upon enrollment. Citibank CONTINUES its deceptive marketing practices that affect millions of consumers. The CFPB and the Federal Trade Commission should investigate Citibank 's ongoing and continuous pattern of deceptive marketing that is harming millions of consumers and take swift action against the company to prevent future harm to consumers.

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 2016-01-20 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX. 2015 CITIBANK ISSUED A LINE OF CREDIT IN THE AMOUNT OF {$4900.00} OVER THE PHONE TO SOMEONE PRETENDING TO BE ME. CITIBANK IS HOLDING ME ACCOUNTABLE FOR THEIR ERRORS AND MISJUDGMENTS, I NEVER CALLED OR ACCEPTED ANYTHING OVER THE PHONE NOR DID I SIGNED A CONTRACT ACCEPTING ANY MONIES FROM CITIBANK OVER THE PHONE.I CALLED SEVERAL TIMES ON THIS MATTER TRYING TO COME TO A CONCLUSION NOTHING HAPPENED, THEY SAID I WAITED OVER 60 DAYS ON THIS MATTER WHICH IN FACT I DID'NT I MADE LOTS CALLS TO THEM I EVEN WENT TO THE BRANCH ON A SATURDAY CAUSE I WORK FROM MON-FRI XXXX. CITIBANK IS SAYING I 'M NOT A VICTIM OF FRAUD CAUSE I MADE THE CALL FOR THE CREDIT AND MISTAKENLY I WAS NOT THE PERSON THEY SPOKE TO.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I applied for a credit card with Citi Cards. It was an XXXX XXXX XXXX XXXX XXXX card. The annual fee is steep at {$450.00}. I applied on XXXX, but did not receive the card until XXXX after XXXX phone calls and promises that it was mailed multiple times. It was approved immediately after the application online and I received a letter from Citi Bank 6 days after the application noting that it was approved. The letter also detailed that the card would be received XXXX3 days thereafter ; however it took an extra three weeks. As part of the new card, there were spending requirements to receive bonus miles that needed to be met within 3 months, but my clock started nearly a month before I actually received the card and could use it. By the time, I received the card and logged into my account, I already had one full statement that was completed with the {$450.00} annual fee billed despite not actually having the card.

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 2016-10-30 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Costco switched credit card providers from XXXX XXXX to Citi Bank ( Costco Anywhere Visa ). This transition happened in XXXX of 2016. My first bill from Citi was for {$1000.00} with no detail of the transactions. I called Citi SEVERAL times in XXXX and XXXX and they said they were NOT able to provide any detail but I needed to pay this bill to keep my account current. I did use this card for a few transactions in XXXX and XXXX but destroyed the card once I realized that Citi Bank was a really bad vendor. Citi Bank proceeded to send me the same initial statement for {$1000.00} in XXXX and XXXX On XXXX I got a new bill for about {$1600.00} but again no detail of the transaction. 

I have called Citi at least 15 times to try and resolve this and the customer service is totally inept to help me. I have sent the company XXXX letters saying that I disputed this charge and they respond with a form letter saying I should contact them about paying my delinquent account. Now they are saying they are going to put may account into collections and I am delinquent. 
I have never not paid a bill or been late on a payment. I feel that Citi Bank has been very heavy handed in saying that they can not provide any details about my the bill but I need to make a payment to keep my account from going to collections.

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 2016-12-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a Citi Prestige card with Citibank. Upon calling for retention I was told about an offer on my card if I spent $ XXXX a month for 3 months, Citi would refund back to me {$200.00} for that spend. 

For the next 3 spend cycles I spent {$4000.00} a month on my Citi card often using the Citi card when it would have been better to use other credit cards if not for this offer. 

At the end of 3 months when I asked about my reward Citi basically told me they had defined 3 arbitrary periods a month and my spend doesnt fit the $ XXXX a month as defined by them arbitraririly. I would like to clarify, I was never told about these arbitrary periods in my call to Citi and its impossible to predict that Citi would mess up something so straight forward. 

I escalated the issue via Citi but today I got a generic letter which tells me I have not met the requirements completely ignoring the nuances of the case.

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: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I purchased merchandise at Macy 's website in XX/XX/XXXX and earned Macy 's money. 
I used the Macy 's money to purchase merchandise. I returned a coat which I paid {$19.00} in XX/XX/XXXX. Macy 's only refunded me {$9.00} claiming it withheld {$10.00} for the Macy 's money I used. I returned the merchandise which was bought by using Macy 's money and my credit card on XX/XX/XXXX. The return is {$35.00}. 

Macy 's has not refunded the money to me after it received the returned product.

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 2016-10-12 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Please contact me Brooks Brothers fraudulently let someone get a credit card in my name and allowed the limit to get overdrawn and to become derogatory/delinquent. Please let me know what can be done as I have made a telephone complaint to you all ( C.F.P.B. ) and have called Brooks Brothers and Citibank, who is the creditor for Brooks Brothers ( both ) to rectify this issue. It is affecting my lending opportunities, credit, and my current interest rates. Please help me as soon as possible. Below is my credit history ( according XXXX who switched to XXXX ) since XXXX of this year. 

Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Fraud Alert XXXX/XXXX/16 XXXX The bureau reported that you placed a fraud alert on your own credit report so that lender ... 
New Inquiry XXXX/XXXX/16 XXXX A potential creditor or employer reported that they pulled a copy of your credit file beca ... 
Fraud Alert XXXX/XXXX/16 XXXX The bureau reported that you placed a fraud alert on your own credit report so that lender ... 
New Account XXXX/XXXX/16 XXXX XXXX A lender reported that a new account opened in your name New Inquiry XXXX/XXXX/16 CITICARDS-BROOKS BROTHER A potential creditor or employer reported that they pulled a copy of your credit file beca ...

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 2016-12-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
In 2014, an account was opened with XXXX in Ohio. 
After leaving ohio I had closed the account with XXXX and returned there equipment. 
I then started receiving calls from a debt collection agency. Which I then called XXXX who confirmed I returned there equipment and was told they would tell the debt collector to stop. 

To date they have not called back but now I see it affecting my credit score.

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: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Valentine and Kebartas, Inc.
State: WA

Complaint narrative:
debt collection agency calls multiple times a day using different numbers, has called at XXXX and XXXX multiple times after ive already told them the time. they have have been completelt obnoxious and no regard to consumer contact laws. it is against the law to call outside of XXXX and XXXX and they know this. They also are aware of the times they call because they have my current address on file and know i live one the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
My checking account at TCF National Bank has been charged fees of an excessive amount, nearly abusive, resulting from overdrafts. I take responsibility for the overdrafts but the excessive fees resulted in economic harm to myself and my family. I would like the situation to be resolved in a mutually beneficial way so the account is reinstated, the fees are reduced, and the bank has the ability to make use of the account. I have the need for additional personal and business accounts. It has taken quite a long time for me to address this issue as there have been a series of illnesses in my family, with my wife 's mother and father passing away and my own mother XXXX in XXXX after a long struggle with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Valentine and Kebartas, Inc.
State: LA

Complaint narrative:
The collection agency Valentine & Kebartas , Inc. which is located at XXXX XXXX XXXX # XXXX, XXXX, MA XXXX has repeatedly harassed me morning, noon and night. This company is collecting for XXXX XXXX. Although I have reached an agreement with XXXX, this collection agency continues to call me. I have also sent them a cease calling notification and file a complaint with the XXXX in MA. They call me from many numbers which are spoofed to appear that are within my state. Something has to be done, they are calling all times of the day and night. sometime they wo n't say anything but breathing loudly. They call and hang up many time as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation