vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am placing this issue in the Consumer Protection Agency as my previous XXXX call to Macy 's Finance on this as the person handling the call was disinterested. I was given no reference #. The CSR heard " divorce '' and demonstrated no patience from then on. 

I ask : Why should one divorced spouse 's late charge card payment damage the other spouse 's credit? 
In XXXX XXXX, my former spouse, years after divorce, made a late payment ( 30 days past due ) on her Macy 's card ( XXXX ) an oversight on her part ). I had no idea my name was still associated with the account. Macy 's placed this late payment on my credit report, even though I do not receive, pay or have access to my divorced spouse 's bills. How could I possibly know enough to be responsible for this payment? My name was to be removed from this account as part of the divorce. 
Even further, though I have excellent credit and on-time payment history, including for any number of charge cards, I was turned down for my own Macy 's card based on this one item. For decades, Macy 's has been my favorite store. Why turn away good customers? On principle, though reluctantly I avoid shopping at my long-term favorite store. 
I ask Macy 's to consider how unfair and harsh it is to ding a person 's credit report when he is divorced, has no access to the bill in question, and was told his name was being removed from this charge card years before this charge occurred. 
I ask Macy 's to : a ) Remove my divorced spouse 's XXXX XXXX late payment from my credit report b ) Confirm my name is no longer associated with the Macy 's account ( as I had originally requested. 
I greatly appreciate Macy 's consideration of this issue and 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 monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
For the XXXX time, I did not receive a bill for my Home Depot credit card. As a result, my payment was late, since I had no idea a payment was due. Between late fees and " minimum charges '', I was charged a total of {$54.00}. When I complained about this, they refused to credit me back any of these charges, since " too much time '' had passed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
XX/XX/XXXX, my husband and I lost our backpack with both our wallets with State Driver Licenses while on a trip with a group of people when it was accidentally left somewhere during a walk, which was near XXXX XXXX CA. In XX/XX/XXXX we learned for the first time of a fraudulent debt collection on our XXXX and XXXX credit reports from XXXX Creditors on behalf of XXXX XXXX, which appears to be an apartment complex but we have no knowledge of this business or ever resided there. It appeared from the credit report that this collection was initiated sometime in XXXX but we were never aware of it until XXXX XXXX and never received any letters or calls from anyone about the fraudulent debt. Fidelity Creditors says they have a signed lease with copies of our IDs, which appears to have unmet terms by someone who fraudulently used our driver license identifications with XXXX XXXX and fraudulently signed a lease with them, which is not notarized and is not ours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
When applying for a Best Buy credit card, I was automatically " steered '' towards a program known as Debt Protection XX/XX/XXXX. In addition and/or as time progressed I did not find such a program useful due to paying my bill on time. XX/XX/XXXX, I contacted Debt Protection to cancel and/or requested a full refund in the amount of XXXX after speaking with a customer service representative. Begrudgingly speaking, a refund in the amount of {$55.00} was applied/approved ( i.e., 3 months payments ) within a 30 day time period. Shortly after assessing such findings on XX/XX/XXXX, I contact Best Buy 's Debt Protection platform and requested for my case to be reevaluated holistically speaking, for as a consumer I should be refunded all monthly premiums paid into " an insurance program '' otherwise known as Debt Protection. I spoke with a representative who stated " there is no guarantee '' I would receive a full refund. Based upon her response, I asked to be transferred to a supervisor to convey my displeasure with respect to this process and/or my case was resubmitted XX/XX/XXXX ( i.e.,, 30 day response per electronic disclosure received via online Best Buy account ). Please be advised both customer service representative and supervisor acknowledged an aforementioned balance in the amount of XXXX ( i.e., rounded figure ). 

XX/XX/XXXX, I have yet to receive any formal means of communication and/or contacted Best Buy ' Debt Protection and " DEMANDED '' my case be escalated after speaking with a Supervisor. As a consumer I am entitled to receiving a refund if a service is not being utilized, am/was being charged compounding interest, and should not have to be relegated to communicating with a third party customer care center located in Oklahoma where formal decisions can not be achieved. In summation, I am aware of a class action lawsuit settlement vs. Citibank in the amount of $ XXXX for such egregious acts. In summation, the primary objective is to have all remunerations refunded and applied to my account immediately ( Link : XXXX ).

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 2016-04-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I am adding and update to case # XXXX. My mother received in the mail a notice that since she had stopped payment on the $ XXXX+ check presented to XXXX XXXX and that they were now charging her a late charge of {$25.00}. Obviously, the fraud investigation unit has not informed any other dept of what they are doing. She gets very upset trying to talk to them, and they will not talk to me, so I told her to her to pay any legitimate charges on the card, and not pay the disputed amt. I also would like you to feel free to publish the issues of this complaint to others, as I feel this is not an isolated incident. Would like to know if this has or is happening to others.

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 2015-09-11 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I 'm charging that Citi Credit Card company sabotage my credit rating by lowering my available credit below the current accelerated voluntary payments and then report to the credit bureau that the card is over the limit. They have continue to do this from some time. The latest event in XXXX over {$1800.00} available and payments over {$700.00} paid. Then in XXXX over {$700.00} in payments made with a minimum payment of {$110.00} due. Then in XXXX over {$400.00} in payments ( XXXX/XXXX/15 ) with only {$85.00} due and Citi lower the credit limit between the XXXX/XXXX/15 and XXXX/XXXX/15 and reported the over the limit to the credit bureau on XXXX/XXXX/15. This type of policy cost the client XXXX discount deals that may be offer by other organizations by keeping cards at limits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I believe that I have been taken for a ride in an online business scam. When attempting to report this I have been directed to your website and I am hoping that with your assistance I can dispute charges that were paid to companies for what I now believe is an online scam. I do n't think it is fair that I can not dispute charges over 60 days old and I have been advised that this 60 day limit is not applicable since these charges are not billing errors. Earlier this year and throughout this year I have paid a several companies for various products and services that have either not been delivered or are different from that which was described. The charge that I wish to dispute on my Citibank card is {$500.00} charge from a company called XXXX XXXX XXXX.

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 2016-02-15 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Regarding Complaint # XXXX First of all thank you so much with your assistance in this matter. 
I spoke to XXXX on XXXX/XXXX/16 and they reported that they did not received your letter or a letter from Exxon requesting the removal of delinquent payments from my credit file. 
XXXX and XXXX have already deleted this information from my credit report. 
I immediately called Exxon and they confirmed that a letter was not sent to remove delinquencies from XXXX. 
To add insult to injury, when I ask Exxon to send it to XXXX they refused to send a letter directly to XXXX. This contradicts your ( CFPB ) correspondence dated XXXX/XXXX/2016, in which they said they would. 
I am asking again for your help to get this matter resolved as Exxon responded they would in their response to you. 
Obviously, Exxon does not care if they harm a consumers credit and business reputation, however, they should take a CFPB intervention more seriously, stop bullying the consumer and follow through as they stated. 
Thank You again for you help. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Credit card fraudly opened up with diffrent address and phone number even though info was different still opened account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had sent an ACH payment from my business account to a company, and when I did the input through my Cash Management portal from my bank, I made an error with the recipients account number. The receiver never received the funds, and I did a ACH Return report for my bank ( XXXX ), whereby they investigate and request funds to be returned to us. Capital One Bank, the recipients bank never returned the funds. The recipient has even gone into Capital One to make them aware and they say they will " look into it ''. It has been almost a month now and no response. I sent a second ACH, with proper acct number etc and the end recipient did indeed receive it. The amount of this transaction is {$3700.00}. 
Capital One is not responding and I am out this money. Since Cap One would not know where to put the money since the account number was wrong, I assume it is sitting in some holding account or whatever. This is quite simple to check out and I do not know why they do not respond. They wo n't talk to me as I am not their customer, and the recipient has gone in several times already on this. 
This is not proper nor ethical. My company is XXXX and I use XXXX and I sent the funds to XXXX who uses Capital One Bank. 
The IMPROPER acct number used was XXXX. The PROPER account number is XXXX. The first XXXX numbers were missing originally. 
I have attached print screens from my banking showing I sent both the improper and the proper payment ( which made it to the recipient ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
My complaint is with CitiMortgage. I did a refinance in XX/XX/2016 and taxes were set up to be escrowed. At closing there were more than enough funds to pay the XX/XX/2016 property tax. Face value was XXXX. I received the property tax statement in XX/XX/XXXX and called to verify with CitiMortgage that it would be paid. I was told yes. In XX/XX/XXXX our county passed a XXXX tax for the schools. It was a one time thing and an additional XXXX tax. Soon after, I was issued an escrow refund check for XXXX. I called CitiMortgage to verify this was disbursed correctly. They assured me again that this was extra and all property taxes had been paid. I called again the next day to verify I would get the same information. I was told the same. Two days ago I received a delinquency notice for my property taxes with a 21 % penalty. They have not been paid. I called Citi, my loan officer, and the county to see what was going on. Three calls to Citi and they were still telling me all had been paid. Finally a fourth call and told XXXX was paid. That was a school tax not property tax. Now I am being told I am responsible for funds to escrow account to pay the tax.

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 2016-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have a mortgage serviced by CitiMortgage Inc., account number XXXX. They have sent me a XXXX page letter explaining that they need to raise the monthly escrow payment about {$42.00} per month or {$500.00} per year. BUT NOWHERE DO THEY EXPLAIN HOW THEY CALCULATED THE " Expense Increase ''. My mortgage escrow is for taxes only. Taxes are collected in XXXX and XXXX. The XXXX payment and the XXXX payment are the same ( within one penny ). The XXXX payment was {$5600.00}, and I reckon the XXXX payment will be no more that {$5600.00}. Last year 's XXXX bill was XXXX, so there was an annual increase of about {$300.00} between XXXX and XXXX. The stated Low Point in XXXX was {$1400.00}! And they collect {$930.00} each month. If you escrow the tax payment ( {$5600.00} x XXXX / XXXX ), it equals {$940.00} per month, not the {$960.00} that Citimortgage is demanding. Moreover there will be over a {$1000.00} or XXXX % surplus in the mortgage account. Please investigate this unlawful practice. Where does it say that I have to have two month 's reserve at all times? In another place in the XXXX page form, they say that the miscalculation between XXXX XXXX and XXXX XXXX was only {$120.00} not {$390.00}. I do n't need pages of explanation. I need hard facts as to why they think the taxing authority is going to raise taxes in XXXX XXXX that would equal a XXXX % increase from XXXX taxes. Please help. I have no legal recourse except through 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 2015-11-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.

Complaint narrative:
I had a CIti Bank Visa Platinium credit card No. XXXX in the name of XXXX XXXX. According to this card if Rs. XXXX/- is not spent in the first year then at the end of first year Rs. XXXX/- would be charged. But before the end of first year my card was lost and so was blocked and no new card was issued. Due to this reason my spending was less than Rs. XXXX/- and i was in perception that my Credit card is closed. But after few months I received statement charging the annual charges and stating that my card is not closed. Form then onwards every months they are charging interest on the amount. After my several request they are not hearing my complaint. If I do n't have a card how can I use it and fulfill the minimum criteria. 
I want that Company should understand my issue and reverse the charges and close my credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank has offered a {$400.00} bonus for opening a new customer checking account. I accepted Citibank 's offer and opened checking account # XXXX ( citibank 's statement attached ), made a required opening deposit and made preparations to fulfill bank 's requirements for the bonus. Imagine my astonishment and disappointment to find that Citibank Bank has decided to close my account a week later after accepting my opening deposit. All my attempt to find out why my account was closed and deposits returns were no avail. 

The bank has made a promise to credit a {$400.00} bonus upon opening of checking account and depositing {$15000.00} or more in newtoCitibank funds into your new checking account or new or existing Citibank Savings Plus account ( a copy of the banks binding promise is attached ). 
I accepted bank 's offer by opening a required account and making a required opening deposit. Acceptance of bank 's offer represents an unilateral contract for breach of which law provides a remedy. I completed banks requirements necessary to qualify for the opening bonus but I was unable to receive the {$400.00} bonus because Citibank breached the contract by terminating my account without lawful justification or excuse. Citibank 's action of closing my account is a breach of contract and law affords remedy or a legal cause of action when a binding agreement ( or bargained-for exchange of consideration ) is not honored.

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 2016-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp
State: IN

Complaint narrative:
XXXX XXXX XXXX will call my cellphone 3 to 4 times a day. Monday thru Saturday. Once I even received a call on Sunday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This acccount does not belong to me and I have disputed repeatedly with t he bureaus and they have completely disregard all my disputes!!

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 2016-01-27 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
First, this is not a report of a personal issue but of a potentially abusive practice. Bloomingdales sent my statement today, XXXX XXXX, by email, dated XXXX XXXX. The bill is due XXXX XXXX. If this bill is sent online, there is no reason the consumer should not have it in his or her hands the same day, or, if that is not possible, the statement should be dated for the date it is actually distributed to the consumer. The Bloomingdales credit system is administered by Citibank. I happen to be financially more than OK, but people with hardship may well need the extra three days. At any rate, in the electronic age, there is no reason for a three-day lapse. It needs to be brought into line. Thanks.

Company public response: Company 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 — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Hauge Associates, Inc.
State: IA

Complaint narrative:
This agency calls me on my cell phone and home phone, XXXX of which are unlisted numbers, at all hours. The person calling does NOT identify himself as a debt collector, or even say who is with. He attempts to get personal information form me, and other members of my household. He calls from XXXX XXXX XXXX and I only know it 's a debt collector from searching the number online. I have my home and auto loans thru a local credit union, and I have only XXXX Credit card which is fairly new and never been in arrears. This company uses many illegal tactics and should be stopped. 
Hauge Associates , Inc . 
P.O. XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXhttp : //www.haugeassociates.comXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied and received a Chase Bank cobranded credit card with XXXX. I registered it online with my account at Chase, in the same manner in which I registered my other Chase credit cards. As part of the registration, I set it up for automatic payment. The Chase system gave me the option, through a drop-down menu, to use the information already in their system to deduct the payment from my checking account at another institution. Apparently, the Chase system did not populate the existing information correctly for the Fairmont credit card. When it came time to process the payment, the transaction failed. This was all due to an error in the Chase system. 

As a result, Chase charge me interest for the late payment and is likely not to give me the promotional benefit which enticed me to open the account. It is also likely that they will report me to a consumer reporting agency for having a late payment. 

I talked to an individual at Chase by the name of XXXX XXXX. He was completely ill prepared to address my issue and was unable to resolve the problem.

Company response to consumer: Closed with monetary relief