vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To whom it may concern, I recently applied for credit with my bank and was declined because of a low credit score XXXX from XXXX three ( 3 ) months prior. While researching the cause of the low credit score, I found there was no justification for my score to be at such a low mark and I seek an internal investigation on all three ( 3 ) reporting agencies for possible minority individual discrimination. As a United States tax paying citizen without any derogatory reporting and without any paying delinquencies with my creditors, I am seeking to establish a potential law suit to challenge the status quo of the following organization. These agencies consist of XXXX, Trans Union and XXXX. Please inform me about how I can pursue to challenge and correct this matter, 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 2016-08-26 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Collection Center Inc
State: ND

Complaint narrative:
My name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX, I have received a notice of debt collection on a Court Filing Form with no Case Number from the Court from XXXX XXXX, Attorney at Law # XXXX ( XXXX XXXX XXXX XXXX ND XXXX XXXX ) on behalf of XXXX in XXXX ND. I responded to the first notice indicating that after review of the documents attached to the notice, that I was responsible for XXXX of the XXXX elements of debt. I requested that they send me proof that the other medical bills where in fact valid. Instead of responding to my request they continue to send me court documents filled out as if they have filed them with court, but there is no court number and no record at the court that they have filed. The latest document they sent shows a court ruling for the collection agency to receive payment, but yet again there is no court docket number. These tactic are deceptive and I need them to stop and have them respond lawfully,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
My wife and I have been Macy 's customers for years without any real issues. Recently, however, we received new credit cards. When I went in to view my current balance, I discovered that there were other account numbers ( XXXX for internal charges and XXXX for external charges ). However, I was unable to login with either number and so unable to view my balance. I called Macy 's customer service and was told that these were old numbers - XXXX was replaced by the new card and the other was replaced when we experienced fraudulent use of our credit card. I spoke to someone who was able to replace the old numbers with my current number. However, in the process, it appears she wiped out my account history. I have made repeated calls trying to get this rectified but so far to no avail. A common theme is that I am told that there is no history to which I reply I understand and I want that corrected. I have called and been connected to Tech Support ( XXXX ) on XXXX. She assured me that there were system issues and that this would be resolved within XXXX hours so we set a time of XXXX at XXXX XXXX ET. No change. I called back on XXXX ( XXXX ) and was connected to XXXX. We went through the problem again and he assured me that he would check into it with XXXX Support and get back to me by Wed. around XXXX. Again no call back. To date Macy 's has shown no interest in resolving the problem. This opens the question of whether or not they are able to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I asked Citibank to cancel an account that had a {$95.00} annual fee that I was not using. They said if I wanted they could give me a {$95.00} statement credit that would be applied against future purchases. When I called a month later to see where that credit was on my statement they said I had to make the purchases first. I did on XX/XX/2016, I then received the next statement- no statement credit was found. I called and was informed I had until XX/XX/2016 to make the purchases. I was never told that! They said they could not do anything and now I am paying interest on those purchases in addition to having a annual fee that I wanted to get rid of in the first place. It is complete fraudulence on their part.

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 2016-08-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I electronically sent a 2 payments totalling a full payment to Citi Double Cash ( XXXX XXXX, 2016 and XXXX XXXX, 2016 ) before a XXXX XXXX, 2016 due date and was assessed interest when my second payment was not processed until XXXX XXXX, 2016. On XXXX XXXX, 2016 I was assessed interest of {$10.00} because Citi claims I did not pay in full by XXXX XXXX, 2016. This was not a case of late payment, just a case of payment processing past the due date. On XXXX XXXX, 2016 and XXXX XXXX, 2016, I sent in a combined full payment to Citi Double Cash before the XXXX XXXX, 2016 due date and was again assessed interest of {$17.00} on XXXX XXXX, 2016. I challenged the XXXX XXXX, 2016 interest because my XXXX payment was processed well before the due date. I was told that Citi is allowed to charge interest for AT LEAST 2 months, whether or not full payments are made by the due dates, if a payment is processed late. I checked my other credit card terms and none of them has this abusive means to collect at least 2 months of interest. Here 's what Citi claims they have a right to do. 

" If you do not pay the New Balance in full by the due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing periods in a row. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Citi Bank had a {$400.00} checking promotion for keeping {$15000.00} in an account for 30 days. Around XXXX/XXXX/16 I opened an account with them and sent {$15000.00} for deposit. They sent an email that went to my junk mail requiring more information. Since I did not receive it, or any other contact from them, they moved to close the account with no activity. Around XXXX/XXXX/16, I called them to see the status of the account. I was told it was closed, but reassured by the Citi representative that if I opened a new account, I was still eligible for the bonus. I did so, and fulfilled the bonus requirements. I contacted Citi in late XXXX to see where the bonus was, and they said they could not give me the bonus because I had an account opened within 60 days of the latest XXXX ( the XXXX that was automatically closed ), directly contradicting what I had heard from their own customer service representative very specifically telling me I was still eligible for the bonus. We went back and forth and they absolutely refused to honor what their employee had told me.

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 2016-12-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I ran my free credit report today. It shows credit card, CBNA, with revolving terms, opened XXXX XXXX, 2016. I DID not authorize and suspect attempted ID theft. How do I get rid of this and prevent this from happening again?

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 2015-05-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX/XXXX/2015 I called Macy 's customer service line to report that as of this day I had not yet received my new Macy 's card. I was told by " XXXX '' that it takes 7 to 10 business days for the card to be received, which at this point was beyond the expected dates. XXXX proceeded to ask my home address to verify they had the correct address and she informed me that they did. She informed me she would have to report my card lost/stolen which is what I expected be done since I did not have the card in my possession. XXXX asked for my mothers maiden name and I provided that information thinking that I was asked that information when I initially applied for the card, however, when she asked my place of birth, I refused to provide that information because I was sure that I had not provided that information and I had already answered all the questions that pertained to my identity initially. As this point XXXX reported that she was not going to be able to proceed with reporting the card lost/stolen because I refused to answer where I was born. I asked to speak to a Supervisor. The Supervisors, whose name I did not get, told me that XXXX had talked to her about the situation. I explained to the supervisor that I have already had a past experience with fraudulent activity using my credit information and I was not going to provide them with information that they did not request for initially when I applied for the card. The supervisor told me that she could not " override the system '' and would not be processing the card as lost/stolen. The supervisor admitted that my mothers maiden name was not requested initially as was not my place of birth. I asked how she would know that I was giving her the correct information then and she responded " we trust you. '' I told her I did not trust her and that was why I was not giving her information they did not have to begin with. I told her the logic that they are using to report the card lost/stolen did not make sense and I refused to give her the information. Hence, she told me she was not going to file the card as lost/stolen then because I refused to provide them with my place of birth which I told her was " none of her business. '' I am concerned that if this card is found or has been delivered to the wrong address and it is used, I will have to go through all the steps to ensure that I did not use this and this I know can take months or longer and I am not willing to allow that to happen. Furthermore, since I have not received a credit card, I do not have any information about their policies when reporting a lost/stolen card. I have a bill that does not provide information regarding how to handle this type of situation either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Comerica
State: AZ

Complaint narrative:
A few {$1.00} and {$2.00} " Service Charges '' appeared on my business checking account. They are not itemized or described on the statement. When I called and asked the bank manager about them initially XX/XX/XXXX, she said they were fees for international transactions. Today when I called to ask about these continuing charges ( among other things ), the current manager gave a similar explanation, saying the fee is for " international ACH transactions. '' This does not make sense because XXXX, the medium through which I was making the cited payments, is a domestic business, and any ACH transfer involved should be domestic, regardless of where the money ends up. I pressed the manager at my branch about this, but she insisted it was for international transactions, and by the end of the call she was insisting it was a " fee from XXXX, '' which makes even less sense because XXXX has not been involved with any of these transactions. I confirmed with XXXX support that these transactions are not international in nature and so should not be incurring " international '' service charges from my bank. I think Comerica is charging an unnecessary and unjustified fee without proper explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My name is XXXX XXXX - A Housing Counselor submitting the complaint on behalf of my client XXXX XXXX XXXX. 
XXXX XXXX received a loan modification at a XXXX event XXXX XXXX XXXX XX/XX/XXXX. The modification lowered her interest rate and lowered her payment, however even though XXXX XXXX was NOT behind on the mortgage, {$14000.00} was added to her principal balance. This was discovered after she received the final paperwork. 
XXXX XXXX has been trying to find out why her principal balance increased by contacting Citbank and XXXX her new servicer. Citibank refers her to XXXX. XXXX refers her to Citibank. 
I was able to obtain a payment history from Citibank for years XX/XX/XXXX which confirms her payments were never late. 
Assistance is needed to find out why {$14000.00} was added to her principal balance when her loan was " modified '' XX/XX/XXXX when she was not behind on her payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
First. let me start by saying I am trying my best to remain loyal to Citibank and continue to use their credit cards. However, they are making it almost impossible for me to do. While on vacation in XXXX XXXX, XXXX XXXX I somehow lost my entire wallet and cellphone. After realizing I did n't have my cell phone or wallet I called Citibank to inform them that I had lost my wallet and cell phone. Upon calling Citibank to inform them on XXXX/XXXX/2015 that I had lost my wallet and cell phone and to also inform them that when I logged on to account I noticed several charges that was pending and I never authorized the charges. I had last used my card for the XXXX XXXX stay and a XXXX purchase in the amount of {$39.00}. I was never able to advise Citibank of this as I was only met with their notorious terrible, rude, and unprofessional customer service. All the representative kept telling me was the card was temporary blocked and unless I have the code that was sent to my phone their was n't anything Citibank could do for me. Are you serious? I just brought to your attention that not only am I vacation I have lost my wallet and cell phone and I just informed you that I noticed charges on my account that I did n't authorize. All you can tell me is unless I have some code there is n't anything you can do for me. That 's customer service? Yet Citibank claims to pride themselves on great customer service. The mere fact I informed Citibank that I noticed charges I did n't authorized should have been more then enough concern for them to at least close down the account and issue me a new card. I could have called them when I got home and gotten a replacement phone to address any issue about some code they where talking about. As a result of Citibank not taking such measures and claiming to have a concern about the so called security of my account I logged into my account today XXXX/XXXX/2015 and notice over XXXX new pending charges. I guess the temporary blocked was just that " Temporary ''. Not only did Citibank allow the new charges to go through, they allowed many charges to go through even after my credit limit was exceeded. I showed over XXXX charges at the same XXXX. That should have been another reason for them to close the account down until they could talk to me even if I had never contacted them.Why would Citibank allow any new charges on XX/XX/XXXX and XXXX/XXXX/2015 to go through after I just informed that I lost my wallet and cell phone. So now I have over XXXX fraudulent charges on my account from XX/XX/XXXX to XX/XX/XXXX. Not once did Citibank do anything to prevent this from happening. Citibank is completely unbelievable. I just cant believe this even as I write this message.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-15 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 in XXXX at a branch under the promotional offer of getting {$500.00} for depositing $ XXXX or more with the requirements as follows : 1 ) depositing {$50000.00} within 30 days of account opening. 
2 ) Keep the {$50000.00} in Checking for 30 days from deposit. 
3 ) The {$500.00} cash bonus will post XXXX calendar days from the date when all requirements are completed. 
I also confirmed my eligibility for the offer not once or twice but thrice including an email proof to a banking rep at the time of opening. 
I was n't rewarded that credit as expected within 3 months of account opening so I put in an investigation which confirmed I would be getting the credit of {$500.00} as I have met all the requirements by XXXX XXXX. ( The promotion code : XXXX ). Confirming reference : XXXX. However, I was n't credited the amount even on XXXX so I opened another investigation on XXXX XXXX where they confirmed they would let me know about my eligibility and credit by XXXX XXXX, which did n't happen either, so On XXXX XXXX when I asked they mentioned the investigation will take indefinite amount of time for which I do not want to wait any further as I feel cheated since I have all necessary proofs and confirmations from past confirming my eligibility and it should n't take long to credit the amount instead of making customers call and follow up so frequently, which is not only a bad customer experience but also seems like a fraudulent practice where you are promising a certain amount to maintain customer loyalty and not crediting the expected amount as promised. This is the reason why i am filing a complain here through CFPB so customers are aware of this practice and the citibank can try to be honest about their practices.

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 2015-05-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Paid {$3500.00} on a Citi card to pay it off because they said they would keep the line of credit open if I paid it off. It was in my husband 's name, not mine. Although, I knew I was not responsible to a point, I knew it would hurt my credit and he was going to be out of work for awhile and we needed to keep the line of credit. So, we borrowed the full amount and I made the payment in full. They processed the payment to his bank where the money was not and they knew to process the payment to the primary bank account which was mine. They said since the actual payment did not post in the right amount of time they had to close the account. So not only did we not have the money for his treatment, this is wrong. They made a mistake and they know it. Now also, my account has been removed from the credit account because they know they messed up. Citi bank is corrupt. I have all faxes and print outs. I would print everything on everyday. So I have all documentation. 

Please assist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I noticed XXXX fraudulent ATM withdrawals ( {$400.00} each ; total {$800.00} ) pending from my Citibank checking account. I immediately contacted the Fraud department to make a claim for XXXX unauthorized transactions. Because it was a Saturday, the Fraud dept. could not tell the exact location where the cash was taken. On Monday, XXXX XXXX, XXXX, those XXXX fraud transactions posted on my account showing funds withdrew from an ATM machine in XXXX, XXXX. I am physically located in XXXX XXXX, XXXX. I have no relatives in XXXX and have not made any trip there throughout my entire life. When I called to make a report on XXXX XXXX, XXXX, I told the fraud dept. that on XXXX XXXX, XXXX, I authorized my mother to withdraw only " XXXX XXXX dollars '' from an ATM located in XXXX XXXX, XXXX. The XXXX unauthorized transactions were withdrawn XXXX hours apart from that transaction which I did not authorize. I clearly made my statement however Citibank Fraud dept. has declined XXXX of the XXXX unauthorized transactions, stating that " I authorized the withdrawal of XXXX of them. '' This is what I learned from the Assistant Branch Manager at one of the branches in XXXX, XXXX on Monday, XXXX XXXX, XXXX. 
This is totally absurd and ridiculously where Citibank Fraud dept. has fraudulently stated that " I authorized it '' in order to deny refunding me {$400.00} plus the non-Citi ATM fee of {$2.00}. As of now, I am still waiting to see if I will get my remaining {$400.00} + {$2.00} back which I had to make another separate fraud claim on Monday, XXXX XXXX, XXXX. 
How could I positively authorize the withdrawals in XXXX XXXX when 1 ) I live in XXXX XXXX XXXX and the ATM card has been in my possession all the time, 2 ) I can not possibly make a 2-hr fly to XXXX, XXXX from XXXX XXXX, XXXX, and 3 ) I have no relatives in XXXX XXXX nor has ever made any trips there. 
I 've been with Citibank since XXXX and it 's a great disappointment to know how the Fraud dept. can carelessly accuse someone making an authorization where no basis or evidence was provided to the consumers. This is one of the example that Citibank Fraud dept. commits a " fraud '' themselves. This is the first time it ever happened to me and I 'd like the Consumer Financial Protection Bureau to know and take appropriate actions to protect consumers who may have ran into similar situations like myself.

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