vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL

Complaint narrative:
Fidelity Information at XXXX XXXX XXXX XXXX, XXXX CA XXXX continues to report negative information to XXXX that I owe money to XXXX XXXX XXXX a property management company where I use to live. When I resided at this property I paid my lease up for a year in advance and when I moved out had no issues. I just recently went to apply for an apartment and was told I was denied because I had an eviction from this property. I keeping all my documents for seven years or more went back to old documents like my receipts for payment of rent and all of my move in documents disputed this debt. I also went to county records to see XXXX XXXX did in fact file a eviction process because I lived out my lease and had no idea that an eviction was filed. I found that an eviction process happened but was later volunteer dismissed by XXXX XXXX. I printed out this information and disputed the fact that I was never notified that a eviction had taken place one and two that I owed this property management company any money. And why would I I lived out my lease and paid my rent for the year in advance. This company Fidelity Information continues to calm that I owe XXXX XXXX XXXX money but can not provide me any documents supporting there calm. I sent a certified letter disputing there calm and asking them to stop sending negative reports and calms to the credit bureaus to there company XXXX XXXX in XX/XX/XXXX and again in XX/XX/XXXX. And they keep saying that they never received the documents I sent but it shows by mail that it was delivered to this company. I have also asked for them to send me a copy of there documents with this so call calm. If I owed XXXX XXXX XXXX any money they did not notify me at any time after I moved out and then the eviction they filed which I still to this day do n't know why, would not have voluntarily dismissed the complaint for eviction. This company Fidelity Information have questionable practices and should be investigated. Also I looked up this debt ( if there was a debt ), and this is a Time Barred Debt and the statue in my state is 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Upon inspecting my XXXX Credit Report for Hard Inquiries, I found several items that I had never applied for, in this order : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ZALES/CBNA ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). 

I never authorized these companies to pull my credit information, and have never filled out any forms or applied for any of their credit services, yet they have all made hard inquiries on my credit report. 

I 'm not sure if they are someone else 's accounts and being reported on mine, as my credit reports do not indicate that I have accounts with these businesses ; only that they are making hard inquiries on my credit report without my permission and damaging my score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
In XXXX 2015, I came across an offer stating that if I applied for a citigold checking account using a promotional code, I would be eligible to receive XXXX AAdvantage Miles if I met the following conditions : a. Spent {$1000.00} of money in the checking account. 
b. Made two qualifying bill payments in consecutive months. 

I decided to call Citibank to confirm that this was not a scam. I called and spoke to a Customer Service Representative who assured me that I was in fact eligible for this promotion and that If I opened an account over the phone, with her, and met the stipulated conditions, I would in fact receive XXXX XXXX Miles. She also told me that there would be a $ 30 monthly fee for the account, and that I should only proceed if I was ok with those terms. I agreed, since I would be receiveing a XXXX XXXX Mile sign up bonus, it would be worth it. I listened to her instructions carefully, and followed them to the letter to meet the conditions stipulated. However, it has been 6 months, and I 've had multiple monthly fees deducted from the account, however I have not received any miles. When I called customer service, I was assured that I had in fact met all of the requirements for the miles with my checking account, however Citibank would not be honoring the terms of the promotion as I had been misled by the customer service agent who spoke to me, and that I was not in fact eligible for the promotion as I was not targeted. This is despite the assurances i took care to get from the customer service agent before opening the account. This is an unfair practice, because as a result of being misled, I opened the account under false pretenses and will incur more than {$60.00} in monthly fees as a result. 
How

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 2017-03-06 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Sears credit card ( administered by Citibank XXXX ran a promotion promising 10 % back on purchases totaling up to {$800.00} per month at gas stations, grocery stores, and restaurants from XXXX through XXXX 2016. ( Email and letter describing terms will be attached. ) These credits have never been processed properly, despite my contacting customer service four separate times. My purchases in the relevant categories totaled {$630.00} in XXXX, {$540.00} in XXXX, and {$780.00} in XXXX, so I ought to have earned {$190.00}. At one point, I did get credited {$58.00} ( a number that corresponds to nothing so far as I can see ), but I 'm still short {$130.00}. ( Relevant statements will also be attached. ) Processing this promotion requires nothing more than simple arithmetic, but customer service just keeps saying -- four times, now -- that the problem will certainly be resolved by some certain date, at which point nothing happens, I call again, and they offer some other date. Last time, customer service tried to tell me I was complaining prematurely because two statement periods had n't yet passed ( they had ) and the problem was n't yet 8 weeks old ( it was in fact 9 weeks old ). Indeed, the people working for customer service seem wholly unfamiliar with the promotions their employer has offered, and continually misunderstand what account entries mean. For instance, Sears ran a similar promotion for XXXX and XXXX, and customer service never seems to grasp that credits for that promotion have nothing to do with my current complaint.

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 2015-11-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
There was a recall on this car and the car is return back to the company.XXXX XXXX XXXX ; Manufacturer imageVehicles Affected : Approximately XXXX model-year XXXX XXXX XXXX XXXX equipped with the XXXX engineThe Problem : The plastic engine cover may become dislodged and, if it comes into contact with exhaust components, pose a fire risk. The problem was discovered during an investigation by the automaker following XXXX incidents in XXXX ; in each instance the vehicle had been driven extensively on unpaved or uneven surfaces, XXXX XXXX Automobiles stated. XXXX said is aware of XXXX minor injury associated with the issue. 

The Fix : Dealers will install upgraded engine-cover retainers in the vehicles

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
We have a Citi Best Buy card and have for years. Last XXXX we fell behind on our payment, due to the XXXX my husband lost his job. I thought Citi would work with us, unfortunately they would not budge. Our account went 3 months late. Even though I was making a payment, since it was not the full amount, Citi did not care and continued to add late payments. On XXXX XXXX, 2016, I spoke to an online chat rep asking if they could please lower the interest on the card so it would be more manageable for our family. I was told no and basically that I was irresponsible for letting the card go over its limit. I asked them to state that as a Citi repr they would not help us with the payment, I was again told I was irresponsible. I was n't asking to remove the debt, just to have a payment that was manageable. We have made every payment on time for years and were treated horribly at a time we needed to the help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
FCRA & FDCPA Violations : 1. Requested proper validation of debt. Creditor provided a copy of an account statement and a computer-generated letter re-stating the same information on the original Demand Letter 2. Creditor is reporting a time-barred debt to XXXX major CRAs AFTER the Statute of Limitations for Credit Card Debt has expired in IL. Last pmt on acct is XX/XX/XXXX or earlier. Creditor started reporting to CRAs on XX/XX/XXXX 3. Creditor has illegally re-aged this account. Creditor is reporting 1st Major Delinquency date as XX/XX/XXXX when the last pmt on acct is XX/XX/XXXX or earlier 4. Creditor is reporting an incorrect Open Date of XX/XX/XXXX. Disputed with CRAs and creditor reported as verified 5. XXXX is reporting that Reported Since and Last Reported Dates as XX/XX/XXXX. Creditor began reporting this acct on XX/XX/XXXX but verified this date with 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 2017-03-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have had a checking account with Citibank for nearly 20 years. I set up this account with a no-minimum-balance requirement and with no-monthly-fee. Before XXXX I was never assessed a monthly service fee or a minimum balance requirement. 

Starting in XXXX XXXX Citibank began to assess me a $ 25 monthly fee for not having a minimum balance of {$10000.00}. They never sent me a letter stating the reasons for this fee ; I only had it explained to me in XXXX XXXX when I called to complain. 

I never agreed to this change in my account. When I asked for Citibank to explain in writing the change in my account, they refused. 

Citibank also refused to remove this monthly service charge, and told me I had to change to another " banking package '' to have it removed, but those " banking packages '' also assessed fees for a lack of a minimum balance. So I will be continually charged {$25.00} per month that I never agreed to.

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 2016-09-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
I refinanced my car, I asked the company would anything change besides the date of the payment and the amount. I was advised no, so I even asked would this have any effect on my gap insurance I was advised no. Well come to find out that was a lie. I got in an accident the care was totaled and the gap I insurance said they would not pay because of me refinancing changed the terms of the original contract. It has been a few years and not M & T bank is calling me saying I owe $ XXXX for the car. When it was totaled out there was n't even that much left in th car I tried expaininf the I was deceived by their company and that the gap should have been added to the new terms but instead they advised me I was still covered. I do not feel I should pay the bases on being lied to. Is there anyone that can help me with this? I asked them how would this effect the gap insurance and they fact that they said it would not effect it and that the car would still be covered if something happens then something happened and the gap would not pay for the outstanding amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had an automatic payment setup with Citi over the phone with an agent. The auto payment worked well but for some reason it never took the payment on XX/XX/2014. and it resumed back again. Contacted Citi but there was no response. This is showing as negative remark on my credit report and affecting my credit score. 
Appreciate if this can be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened up a Home Depot credit line when I bought a new washer/dryer in XXXX 2015. I asked then that it would be linked to my husband account ( married 25yrs ). After that and installing an air condition unit at our home & put on our Home Depot card. I sent Home Depot {$250.00} over the minimum payment for XXXX 2015 total of {$400.00}. I started receiving numerous phone calls from CitiFinancial telling us to call right away, regarding our Home Depot card. So I called, only to hear that our accounts had not been linked and that I was late paying the XXXX that I had opened and thought was linked. So now not only do we have XXXX separate bills to pay monthly but double the statements etc. I told a supervisor at CitiFinancial ( XXXX, rude ) that this was all news to me since I had not received a current statement in my name. He told me that he was going to remove the late fees but that it was impossible to link our XXXX accounts. I told him that I want to receive a updated statement every month as to how much and where to send my payment since they would not now link the accounts. The next day I took it upon myself to find out what my account number was for Home Depot and made another {$400.00} payment on top of the already {$400.00} dollar payment on my husbands account for XXXX. Since then I have received over XXXX phone calls from CitiFinancial ( XXXX ) harassing me via my own land line and via my answering machine. They call every couple of hours beginning at XXXX. My credit is in the XXXX 's to XXXX range. I never pay late bills and so I am not familiar with how much and how often these companies can call and harass people. But this seems to me that this is excessive for a {$20.00} late fee assessment. There should be some laws in place to protect the consumer. In this case it was because of the false promise of linking our accounts and lack of a statement from CitiFinancial plus repeated phone calls that will cause me never to do business with this company again. The Home Depot should also be careful who they allow to finance their credit cards. Someone needs to investigate this company and their practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
We have applied to Citi Bank Mortgage at least 3 time to refinance our loan and take some cash out. Citibank ask us to close several other accounts which we did, fax document after document and then later deny our request yet would not provide an explanation. They always send us a letter referring us to one of the credit bureaus. 
Our mortgage has been with Citi for over 10 years but they can never give us the respect of an explanation or reason for the denial. They would constantly call or email with their many demands for many forms and documents, yet when it 's time to hear the results and reason it 's always a voice mail. To me that is very disrespectful I think this is discrimination and need to be addressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A company hired to help us raise our credit scores ( which did not happen ) filed customer disputes " on our behalf ''. We are trying to qualify for a new mortgage ( to downsize to a much smaller mortgage ) and need disputes off our credit file. A dispute was filed with Macy 's and I can not reach a live person. The other dispute with CitiMortgage is supposedly being deleted, but we need Macy 's to remove the dispute soon! Their automated " customer service '' is anything but.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had an account with Macy 's which I had for around 10 years. I made a purchase during XXXX of last year, but did not receive a bill. I found out when applying to refinance my house that I owed Macy. I contacted them to complain that I had n't received any bills, they had changed my mailing preference to email, without my permission and without an email on file. They took the late fees off and 4 months ago I paid a small balance in full prior to the due date. The next two months I received bills for {$1.00} each month. I finally paid {$2.00}, when I received the 2nd bill. Then this month I received another bill for {$1.00}. This is ridiculous, the account is supposedly closed, but they are billing me {$1.00} per month.

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 2016-04-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Paid monthly installment this morning on line and received text to contact them this afternoon to collect same debt. Number given was XXXX. Rep I talked to admitted eh could see that payment had ben made.

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 2015-10-06 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am a Macy 's credit card holder. Macy 's has a policy even if you pay off the balance in full before the next billing date of continuing to charge you small fees. Usually in the $ XXXX range. I fell for this once thinking I was a day or two late. Over the past year it is continual. If you call and go round and round ( and never being able to talk to an actual person, you will get a prompt, are you disputing your latest finance charge? Press XXXX for yes. I do. Then the voice says, as a customer courtesy, Macy 's will remove the charge. This is not a courtesy. I paid before the next due date. I should not be getting these small bills. I wonder how many other people keep paying this fee trying to get rid of it or how much money Macy 's makes over XXXX card holders every year? This practice should be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber
State: CA

Complaint narrative:
A physician has billed us for services we did not authorize and after non payment they have sent this to collections -- when we request verification by collection agency we are sent the bill. We have informed the credit agency that the bill is unpaid because we did not authorize the service. They then referred us to the physician whom we also requested verification of our authorization and none is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
hunter Warfield is refusing to abide by the fcra. they are using bully tactics to prevent me from purchasing a home. I requested a variation of debt from them and I never received it. after I finally found what and who they were collecting for I was dumb founded that a year after the origination of debt I would be hit on my credit. now the significance of this being that make it seem to a lender that this is a fresh debt when it 's more than a year old. this a violation of the fcra as well. after speaking to a customer advocate she explained that thy would ensure I could make no purchase of a home or car unless I paid them. I have expressed willing to pay once it was an agreed on amount. the verification of debt must contain invoices. I have seen no such thing. now, it 's only right that hunter Warfield remove this from my credit file since they have no way of back dating the actual occurrence. I have a right to refuse establish my credit after I have hard times. this company is reporting this at this time to keep me from doing so

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Green Square Company LLC.
State: TX

Complaint narrative:
They call my work phone at the XXXX daily with threats of fraud and asked for {$1600.00} for an alleged debt regarding a loan that I know nothing about. I asked for their mailing address and they told me I was evasive. I told him he was evasive for not providing a mailing address and he hung up on me, this was their third phone call to me. Their XXXX phone call indicated they were attorneys and they were calling regarding a file placed in their office. They told me they were filing criminal charges against. Repeated attempts have been made calling my place of employment and harassing me. Their name is XXXX, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed