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

Complaint narrative:
I 've been listed as additional user on a citicard since 1992. My dad ( primary account holder ) added my brother and I when we were young ( XXXX ), for unexpected expenses while traveling, etc. I have n't seen or used the card in over 10 years, and assumed the card no longer existed. My brother still has his card, and accidentally used that card ( instead of his normal CC ) for an {$850.00} charge in XXXX. My dad was travelling all XXXX, and did n't get the bill, thus did n't realize anything was owed. He learned of the issue 60 days after the due date, and immediately made full payment. Despite XXXX year history of 100 % on time payments, citicards dinged all three of us with the credit agencies. In summary, my credit rating ( with no blemishes prior to this ) has now been dinged because of an fluke event related to a card that I did n't even know still existed ( I threw away my card over 10 years ago ). I was never contacted by citicards at any point about the issue. It is extremely unfair for them to ding my credit without giving me any notice that I had an outstanding liability. I 've never been late on any payments of any type. Despite my best efforts to solve directly with citicards, they refuse to even let me discuss the issue with anyone with capability to revise the credit issue as currently reported to the rating 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 non-monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I called CitiMortgage to make a payment on a demand letter I received XX/XX/XXXX. The letter stated I needed to call to make a payment of approximately {$3600.00} on my account on or before XX/XX/2016 to prevent further foreclosure action to begin on my loan. I called that day and a gentleman answered. I was on the phone for nearly 30 minutes and he had no idea what he was doing. I explained my situation and he could n't find the demand letter to understand what payment I was trying to make. The gentleman obviously worked out of XXXX. I asked on multiple occasions to transfer me to someone who was knowledgeable to ensure that my payment was made on time. He finally agreed to take a payment, and transfer my call. Upon " taking my payment '' he proceeded to transfer my call. The line disconnected and I could n't stay on the phone another thirty minutes so I did n't bother calling back that day. About a week or so later I noticed the funds had not been withdrawn from my checking account so that prompted the additional call bck to citi mortgage. The lady I spoke to proceeded to advise what I would need to do to take care of payments on my loan. She stated based on my loan payment not being processed before the expiration of the deman letter my loan had been pushed into pre foreclosure status. I called to make a payment, I should not be penalized because of the gentleman who did n't know how to do his job. I want any subsequently delinquency notices to be stopped and negative reporting to be corrected.

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 2016-07-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XXXX contacted me XX/XX/XXXX for a debt to CitiBank. I made payment arrangements to pay off the balance from XX/XX/XXXX to XX/XX/XXXX ... completed the payments and paid off the balance. XX/XX/XXXX received a call stating that I still had a balance, basically equaling 1 monthly payment. Asked for verification and received a letter with all payments made, totaling more than the original balance and a list of Fees and Interest charges from XX/XX/XXXX ( some that were charged after I started the payment plan ). They refused to give me any clarification on what those fees were for, or which ones were interest charges. When I asked for further explanation and documentation they said they were going to close the account as being disputed and hung up.

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 2016-09-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was a CITI BANK customer several years ago. I have closed my checking, saving and debit accts. Recently, I have been receiving notices that these accts are below minimum balance I had set for them. I have complained several times but I still get theses e-mail notifications several times a week. I maintain my mortgage with Citi, but they say they have NO control over them. I have complained to Citi Bank it self and they say they ca n't locate thr origin of these messages. 

Besides being a pest I am worried that at some point they will try to get maintenance charges for theses accounts.

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 2017-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I called my mortgage company to re-fi they told me I was not reported as paying on time on my credit report. I asked them to please correct that as they are my mortgage company and they can see I have never been late or missed a payment in the entire 6 1/2 yrs that I have had a mortgage. They confirmed that was correct but said it was in my bankruptcy from 3 yrs ago. I said if that was so why would I still be paying it and living here. it makes no sense. They want me to hire a lawyer and re-open my case, I spoke with a lawyer and he said they have the power and the duty to report correctly to the credit bureaus that the mortgage is active and open and payed for on time, Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
They called and said they would give me a hardship settlement if I paid them right now with debit. They said checks and credit are not acceptable. He said he would be forced to go further if I do not pay and take me to court. They then proceeded to harass me at work, I did not give them my work numbers. XXXX XXXX is the name he gave me XXXX. The ladies name was XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I 've had a Best Buy credit card for years and when ever I have a balance I get charged a " debt protection " fee I 've tried calling the phone number next to the charge that shows on the card and the tell me they are going to cancel but nothing has happened. I never signed up for that and Best Buy told me they ca n't do n't anything about that charge. Even though the credit card company Best Buy uses has changed and my card is different then what i had when I first opened the account how am I still being charged? And get no help? I wAnt it cancelled and possibly my money back because it 's not helping me pay off my balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
I was contacted by a company by the name of Stenger & Stenger out of XXXX Michigan, when I tried to find out what the debt is for they wanted me to give information I was not comfortable with. Like social security number and date of birth and then got very nasty when I told them I was not comfortable and then I was told that they were n't comfortable with letting me know who they represent if anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a bill from Citicard XXXX for a Costco membership. I can not tell you my credit card number because I never received the Citicard XXXX and told them over the phone. Also, I told them that I no longer needed to be a member of Costco. I moved to my daughter 's home and she has a Costco card. They continued to charge me. Then, I wrote a letter to them. Today, I have a bill for {$110.00} for that original {$50.00}. I talked to Costco and they cancelled the membership.

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 2016-12-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Consumers have a right to opt out/limit sharing by credit card companies so they do not market our information at our expense. I received a notice from Macy's/Bloomingdale 's in the mail today telling me that I had the ability to opt out by calling an XXXX number listed on the notice ( XXXX ). Although it is unfair to expect the consumer to opt out ( they should ask us if we want to opt in ), I did so by calling the number as directed. I subsequently got passed around to XXXX different people and after 25 minutes on the phone I was connected to someone who could help ( XXXX, Macy 's customer service ). This is a deceptive trade practice. It creates a barrier for consumers to exercise their rights by having them spend 25 minutes on the phone. Most people would have simply given up and the credit card company would have gone on sharing my information at my expense. The law needs to change so that consumers, not corporations, have their privacy protected by default. I eventually was successful, but it is unreasonable and a deceptive practice by Macy 's to prevent consumers from limiting the sharing of our protected information.

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 2016-04-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
On XXXX/XXXX/XXXX I paid my Macy 's American Express card on time in full {$250.00} at the Macy 's store in XXXX, ME. I had tried to pay for weeks online, but the website was not working, nor was the phone payment feature and I could not get a representative despite calling multiple times for weeks, being put on hold for over an hour and then being hung up on. On XXXX/XXXX/XXXX I received a letter saying my account was overdue. For almost two weeks I tried to get through to customer service. On XXXX/XXXX/XXXX @ XXXX I spoke with XXXX who said the payment of {$250.00} was accidentally credited to my Macy 's line of credit not the American Express Line. Keep in mind I was receiving no paper statements and the Macy 's website was not working. XXXX verified that the payment was made on XXXX/XXXX/XXXX and applied the payment to the correct account ( American Express ). She also said she waived the late payment charges and interest. She also confirmed that she had closed both accounts and would send written verification ( she confirmed my address ). I never received written confirmation that the accounts were closed and my Macy 's line of credit remains open. For months I have been receiving calls ( 4-5 per day ) from a XXXX number leaving vague messages about a Macy 's American Express business matter. I looked the number up and it was reported as being phone fraud. In fact when you answer and actually get a live human the first thing they say is " tell me your account number. '' Just in case, I called and checked my account which said I had a XXXX balance. I have not received a paper statement from Macy 's for over 6 months and the last online statement available is from XXXX XXXX. Frustrated with the calls I called the Macy 's number on XXXX/XXXX/XXXX @ XXXX PM ) listed on the Macy 's website which went right to collection services. Collection services verified with Macy 's that on XXXX/XXXX/XXXX when I called the correction was made to my American Express Account, but the representative forgot to waive the late payment and interest fee. They transferred me to Jazz at Macy 's. She removed the charge of XXXX ( {$37.00} late fee x 5 months ) and said it was effective today. Jazz advised me to check with Macy 's credit services about the negative rating on my 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 monetary relief
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
We have an equity home line of credit with Citibank and it was modified a few years ago. First when we did the modification, I was told to pay a certain amount each month and we paid the amount we were told to pay, I later found out even thou we paid what they told us to they reported us as paying late on our credit reports. When I called to complain they said because we did not pay the original payments they had to mark us as late. This has really effected our credit score. Now they claim the modification is over and they have almost doubled our monthly payment, it went from about {$800.00} to almost {$1500.00} per month. We are trying to refinance to just be rid of this account. But meanwhile we have to make these payments. For some reason the loan is split up into XXXX account numbers. so first I must have sent a payment in XX/XX/XXXX and only referenced XXXX acct number so they said we did n't pay the other loan. I called to complain and they did move the funds. Now I received another late fee for XX/XX/XXXX and when I called they said they did not receive a payment for XXXX of the accounts. The payment is was due on XX/XX/XXXX. I sent XXXX payment on XXXX XXXX and they said it was applied to the XX/XX/XXXX payment as principle when I explained that it should have gone towards the XX/XX/XXXX payment they said there was nothing they can do. I asked to speak to a supervisor and was told there were no supervisors working and that I had to call back during the week. I am very upset that these banks can just do whatever they want with these accounts. I want the late fees all reversed.

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 2017-01-11 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Macy 's is charging me a {$2.00} " Minimum Interest Charge '' fee on a XXXX balance credit card account. They charged me the {$2.00} fee on XX/XX/XXXX and when I notified them in writing, the customer service agent advised I had a XXXX balance. Now the account shows as 30 days past due and they charged another {$2.00} fee on XX/XX/XXXX while the balance was still XXXX except for the {$2.00} fee from XX/XX/XXXX. I do not owe this and do not want this to negatively affect my credit rating.

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 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a CitiGold account with Citibank. I signed up with a promotion that gave XXXX XXXX for meeting certain requirements on said account. After I had met the requirements, I sent a message to citibank through my online banking and they confirmed that the offer was attached to my account and that I had met the requirements to get the bonus and that my bonus points would post in a certain time frame. Screenshot is attached. I messaged Citibank again to see why my points had still not posted and I am being told now that I was not targeted for this offer while the opposite has been confirmed many times over chat and secure message. Screenshot of new message is also attached.

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 2016-11-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I decided to give Citibank a try on XX/XX/2016 due to the " Reward your drive '' promotion. This promotion promised a {$400.00} credit to all new customers to open a Citibank account, deposit at least {$15000.00}, and keep a minimum deposit of {$15000.00} for 30 days. I did all of this. I was supposed to receive the credit within 90 days of opening my account. I contacted Citibank because I heard nothing from them on when they plan to deposit this credit. Citibank then has the nerve to tell me I 'm not enrolled in this promotion because I did n't verify my email address ( This is a lie, I have verified my email several times ) and then they claim I need to provide them a promotional code. This too is a lie because the promotion states nothing about providing a code. I found a code for the promotion and send it to Citibank, then they " investigate '' why they have not honored the promation while they let the promotion date expire!! This is complete false advertising. I complied with all terms and conditions of the promotion. I even enrolled in it and opened the account from the link on Citibank 's website. They know I am due the {$400.00} credit but the entire promotion is a scam, they are not going to honor it!! If all of this is n't bad enough they refused to allow me to pay my water bill the first month because they claim I needed to verify that I had received the check I gave the water company. I have over {$20000.00} in this account but they will not allow me to pay my {$40.00} water bill! I now have to pay a late fee and credit card fee because Citibank decided to " Freeze '' my account without telling me because they want to verify that I want to spend the {$40.00} check I gave the water company! I did fax a signature to verify that I received my checks before trying to spend one. However I had to contact the corporate office to get someone to check the fax machine!! Citibank is the worst customer service on this planet and needs to be shut down!

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 2015-08-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XXXX XXXX, 2015, when I went to my credit card 's website to pay the monthly bill, on the date it was due, the website was down, and I was not able to pay my bill until the next day. This made my payment XXXX day late. 
The credit card company then added a late fee to my XXXX bill. 
In XXXX, I payed the monthly bill on time, paying the minimum amount that would have been due without the late fee, because I believed that the company should not have charged a late fee, when their website had been down at the time that I tried to pay my bill in XXXX. I expected the credit card company to have realized that their website was down, and to drop the late fee. 
Now, the credit card company is claiming that my XXXX payment is past due, because the wrongly assessed late fee is past due. And they are adding XXXX late fees to my XXXX bill. 
My complaint is Twofold : A ) The credit card company charged me a late fee for a bill that I was unable to pay on the due date because their website was down ; B The credit card company is charging me a late fee on a late fee, when I paid the regular minimum amount due on time in XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
First, I have XXXX Citi Credit Cards. XXXX was under a debt management program for well over 2 years and was paid off in XXXX of 2016 so its listed as a closed account.One of my XXXX existing cards was set to expire XXXX/XXXX/16 and I received a notice in the mail on XXXX/XXXX/16 ( letter was dated XXXX/XXXX/2016 ) stating they are not going to issue me a new card being that I have an account in a debt management program. I understand they can close the account at anytime they feel, however I have 2 issues with regarding this. 1 ) The excuse that they are using ... If the issue was because of another account that I have with them in a debt management program, then why did they continue to let me use the card for well over 2 years before deciding to close it out. Plus, why did n't Citi inform me of possible consequences because I enrolled in a debt management program on another account. 2 ) I have earned XXXX reward points on my card and was using them only when there was something worth using them on. Based on their items and reward options the point value is XXXX = {$1.00} which means my reward point value is equal to {$6300.00}. Due to the fact they are closing my account out, they have informed me that I will lose my rewards points once the account is listed as closed. I have repeated my issue several times on the phone as well as thru the message portal with very little attempt to resolve the issue of the fact that I would be losing my reward points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation