vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
A copy of a letter written to " Citibank '' ... 
______________Sears Credit CardsXXXX SD XXXXTo Whom It May Concern : Enclose you will Find a check made out to Sears Credit Card in the amount of {$1800.00}. 
Please note that this amount should be greater than the amount owed on my account, # XXXX. 
I instruct that you close my Sears Credit Card account immediately upon receipt and refund the credit balance that should result. 
For the record, I will be greatly relieved to know that I will NEVER have to have any dealings or association with CITIBANK ever again. 
Though I have never in my many decades of life EVER failed to pay an amount owed to a creditor, YOU chose to close this account to new purchases ( which I had no intention of making anyway. ) Your action precipitated the premature termination of my Home Depot account, which cascaded into the closing of my XXXX XXXX XXXX account. Because I was then left with greater DEBT than I had CREDIT, my credit standing, was destroyed, I was denied of the opportunity to refinance my home and my inability to obtain a low interest Home Equity account to pay off the remaining, high interest debt I hold, denying me any alternative to paying your unreasonable interest rates. 
What Sears Credit Card Service ( i.e. CitiBank XXXX has done to me should qualify as a felony. Moreover, the person XXXX XXXX ) responsible for putting this usurious policy in place should be jailed, along with that ( those ) person 's superior ( XXXX ). 

I know from talking with your employees that you are doing this to others, as well, so I dare hope we may be able to mount a class action of some sort? 
Rhetorical question ... could my being a single woman over the age of retirement who will continue XXXX indefinitely have influenced your initial actions? Could you have believed me to be without means or resources to fight your discrimination? NOTE - that was a rhetorical question. I do n't want to hear or see anything more from your company. I offer the question for YOUR benefit. 
I do wish you business losses and ultimate business failure, but expect that you will take care of that without my assistance. 
Very sincerely! 


XXXX XXXX XXXX : Pennsylvania Department of Consumer Affairs Federal Government Consumer Protection Agency XXXX XXXX XXXX XXXX XXXX

Company public response: Company 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: Transaction issue — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Went to XXXX for dental work.Had all on XXXX procedure.Dental company billed credit card for everything on day implants was put in but could n't get teeth for 6 months.Went back in XX/XX/XXXX for teeth and was home approximately XXXX weeks and teeth started crumbling.Filed dispute with all Credit card companys that I used because of quality of goods This purchase had to be divided because of large amount and not enough credit 0n one card, I spend about XXXX dollars to fax all documentation and pictures to these companys.Chase credit card responded and comepletly removed the part of charges that was charged to XXXX card but Citi XXXX XXXX has major issues.Cant get responses etc and when they responded I was told they could n't help me that it was out of time frame.

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 2016-10-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I contacted Citibank on XXXX XXXX, 2016 to cancel an account that had been transferred from XXXX XXXX as part of the Costco credit deal switch. I very clearly wanted my account closed. I continued receiving bills, but did not realize that the account was STILL open until XXXX XXXX, 2016 at which point I called Citibank who confirmed that my account was still open and confirmed that I had contacted them on XXXX XXXX, 2016, but the content of the conversation was not confirmed. There is no way that there was any confusion over what I wanted - I specifically do not do business with Citibank due to past poor experiences. Similarly, the action requested ( to close my account ) was confirmed by the customer service representative, but never actually executed. They lied to me in order and kept the account open until I realized that it was still open. Upon contacting them on XXXX XXXX, I received confirmation that my account was closed, but this was an intentional denial of my cancellation request. My request was only submitted verbally.

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 2016-11-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have a citibank checking account for more than a month now. But i am not able to access it online. Every time I am getting this message " We 're very sorry we 're having technical issues. Please try again. We apologize for any inconvenience and appreciate your patience. [ XXXX ] '' On phone or via email there is no help to get proper support. I am clueless how to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Redeemed a promotion through XXXX XXXX. I received a {$50.00} debit XXXX reading " valid thru XXXX ''. On XXXX/XXXX/2015 I attempted to activate the card for use and was told by citibank ( XXXX # XXXX ) that the card was promotional and expired and he would not reissue the card although it still had {$50.00} on the card. I explained that the card reads on front that it is a " Debit '' " XXXX '' for {$50.00} and I requested that a replacement card be issued to access those funds on the debit card. He refused stating it was promotional. I understand that debit cards are often handed out as part of promotions - but nonetheless- this card reads " Debit '' " XXXX '', still has funds that I would like access to ; that he was refusing access to funds given to me. This is not a " use it or lose it '' situation. I was promised a {$50.00} debit XXXX and I would like to use that {$50.00} at my leisure and if the card expires, please issue a new XXXX so that I have access to the funds. A promise is a promise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a call from Macy 's on XXXX XXXX, 2015 that my Macy 's Amex had fraudulent activity in another state that went through on both the Amex side of the card and the Macy 's store side of the card. I ca n't begin to tell you how many times I have called and called and called and tried to get answers from people who tell me different stories each and every single time I have called. Many times they do n't even show a record of any files under my name ( even though I have case numbers ). There have been many times where they insisted I never filed any documents or scanned in my claim forms ... even though the person who I had previously spoken to confirmed receipt pf everything while I was on the phone with them ). At this point it has been almost 5 months and the charges on the Macy 's store side are STILL showing up on my bill, and whenever I call I have to start the story over again from the start because they ca n't find me in the system ... that sure does n't stop them from sending me bills every month with the charges still on the bill! The Amex side of the card seems to be ok now, but my main issue and problems have been on the Macy 's Store side. They are the ones who I am referring to in my examples above. My case number for the Macy 's Store side of the card is # XXXX. 

I would really like to get this resolved since I did not make these charges, and I am contacting you all to help because I am at my whits end and I do n't know what else to do. It would have been physically impossible for me to charge these in a department store in XXXX while I was in XXXX ( where I live ) at the time of the charges with the physical card in my wallet. 

In case you would like the case # for the Amex side too it is : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I applied for the Citi AAdvantage Executive Mastercard on XXXX XXXX. My application went to pending status so on XXXX XXXX I called in to provide some additional information and shifted my credit lines to open the new account. On this call I confirmed with the Citi representative that I was eligible and and would receive the offer of XXXX AAdvantage miles after spending {$5000.00} on my new card. The Citi representative confirmed this and approved my application. 
On XXXX XXXX I called Citi to inquire about why I had not received the bonus miles. They stated that since I had the card in the past I was ineligible to receive the bonus. When I told Citi that a representative confirmed that I would receive the bonus offer I was told " The application department should n't have told you that ''. I spent over the {$5000.00} necessary and paid the {$450.00} annual fee and feel that my obligations to receive the bonus have been met. I was provided with false information from Citi and they are now withholding the bonus that I applied for, was approved for and was confirmed to me over the phone by a Citi employee.

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 2015-04-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I applied for a staples credit card from Citibank. The card was approved and I made a purchase.. It was an online application for the card and I used the confirmation number they gave me to do the credit purchase.. The amount was XXXX dollars and some cents. So far I have not received the credit card.. They tell me that I should have received the statements which I did not.. they have been calling me about the payment on the credit card and I am willing to pay the amount that I used on that card but I should not be charged any late fees and finance charge.. They continue to insist that I should pay finance charge. I have refused them to pay anything unless they revert the finance charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
DIVORCING SPOUSE MADE BALANCE TRANSFERS IN EXCESS OF {$17000.00} DURING NYS AUTOMATIC STAYS PERIOD. SHE ADDED HERSELF AS AN AUTHORIZED USER ON TWO OF CITIBANK 'S CREDIT CARDS -- CITI DIAMOND AND SEARS MASTERCARD. 
WHY WOULD BANK TRANSFER FUNDS TO HER INDIVIDUAL ACCOUNTS? THIS IS STEALING AND FRAUD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was talking to Citi representative today, whose name is XXXX, about my credit card Citi bank. I was actually thinking about closing this account. But the XXXX told me the benefits of the account and informed me that the account has no annual fee. So, I changed my mind and decide to leave the account open. I clearly told the representative, who is XXXX, " I will leave the account open ''. What 's more, XXXX Said '' Okay, I will keep this account open and thank you for continuing business with Citi '' Nicely, I hang up my phone. Ironically, I immediately got an email from Citi, telling me that my account is closed. I mean, seriously, this is how Citi bank trick its customers??? This is unbelievable.

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 2016-10-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
i had all my exemptions removed from prior property tax years all at once. DEspite the fact i have legal options regarding this citimortgage is threatening to set up an escrow account with penalties and interest wihtout letting me avail various legal remedies and avenues i have available to me. this is wrong. no escrow account. i do not even have back up for what these taxes are based on and i know there are legal protections out there regarding this. I am tried of the one size fits all approach in how they are dealing with this. i value my home and obligation but to have all exemptions removed at once. is a hardship.no escrow account is to be set up. i am not going to let it happen. i want to talk to someone at my convenience about my plans and the accountability to which i have a right. and am entitled to do not set anything up do not bully me. i have legal options.

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 2017-02-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
When Costco switched from XXXX XXXX XXXX XXXX XXXX to Citibank, Citibank decided to change the cash award period that they paid in XXXX to cover a calendar year instead of the XXXX through XXXX period that XXXX used. This meant that even though Citibank paid the award in the same month as XXXX XXXX XXXX XXXX, they only paid their customers for 11 month of their cash awards instead of 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 2015-09-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was on the Harp program with Citimrtgage and I got behind and asked for help in adjusting a payment for two months and they refused. I appealed the ruling and they placed me on Harp 2 which resulted in my loan being saved by XXXX XXXX. Throughout the process of re mod I paid a trial payment but Citimortgage put negative late payments on my credit while I was paying the trial payments. I want these late payments removed from my credit adapt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
It is XXXX and I have had 7 calls from XXXX at General Revenue Corporation in XXXX, Ohio already today. 6 calls to my work phone and 1 to my cell phone. 

Several calls are just minutes apart. Only one time did he leave a message on my work voicemail.

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 2016-04-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Te interest rate on my sears card is now at 25.49 %. I do n't use it or carry a balance, but it makes me mad that a company can charge that much with no recourse. There used to be laws regarding unreasonable interest rates like that, but new laws have allowed for this kind of predatory credit practice. One more reason for me to avoid shopping at Sears.

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 2015-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
For the past XXXX years, we have been receiving calls from Harris and Harris, a debt collection agency out of XXXX attempting to collect a debt that is not ours. The person they are looking for is clearly not at our address and has not lived at this address for almost XXXX years ( they were a tenant in a property we own ). I have called the company and explained the issue and that the person they are looking for is not at this address, however, the calls continue ( approximately XXXX per week ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
Aargon Agency Inc XXXX XXXX XXXX XXXX XXXX XXXX, Nevada United States of America Out of nowhere, Aargon Agency put on my XXXX credit report that I was in collections for {$450.00}. I have never received any notification from Aargon. It seems like they are targeting people who have bad credit and just putting non-existing debt on them. See link http : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TekCollect Inc.
State: TX

Complaint narrative:
I 'm getting a variety of calls from a variety of phone numbers, some of which I 've traced to be Tek Collect. No one speaks and they leave empty voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had my mortgage on auto pay from my bank. I had over XXXX in accounts there and when my checking account does not have enough funds, it automatically pulls from my savings account. However, last month they decided they would not do that for reasons they can not explain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX inserted a bad debt on my XXXX, On XXXX XXXX, 2015 DEBT RECOVERY SOLUTIONS also reinserted the same bad debt after previously being told its from Identity theft and removing it. There is no way both of those debt collectors can have a legal right to pursue XXXX bill at the same time. AARGON AGENCY INC also has the same debt listed in my XXXX, they last reported on XXXX XXXX. I 'm not facing double jeopardy I 'm facing triple jeopardy with XXXX debt Collectors listing the same debt & XXXX of them listing it 15 days apart in the same month.. XXXX XXXX XXXX XXXX XXXX both have the debt SEPERATED into XXXX accounts {$680.00} + XXXX total XXXX..Instead of the total being listed once. They 've maliciously separated the bill to do as much damage as possible to my credit scores. Instead of XXXX showing from XXXX co its now {$2100.00} AARGON AGENCY INC has it listed at but as one bill..So now the same bill is listed at over {$3000.00} in my reports. The Bill in question AARGON AGENCY INC has listed SPRING XXXX XXXX as the original creditor ( I understand that 's a HIPPA violation ) Both XXXX XXXX & XXXX XXXX SOLUTIONS have the original creditor as XXXX ( another possible HIPPA Violation ) I will be suing all mentioned parties for violations and filing complaints with my states Attorney General, The XXXX & Courts if these tradelines arent removed from my XXXX and if they 're resold or transferred again. XXXX companies cant have the right to legally try to collect on the debt at the same, XXXX or more companies are obviously trying to collect on a debt they have no legal right to collect on as well as the fact they intentionally misrepresented a debt by separating it to list it more than one time in my credit report. AARGON sold or transferred the accounts and has still reported on them while knowing they cant report or respond on accounts they dont have. AARGON also has a NV POWER BILL on my XXXX listed at an address I 've never lived at. I 've previously notified them it 's from someone using my identity..

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