vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
We have had our Macy 's credit card for ever and for the last few years we have been able to log into our account online to check our balance and make payments and check our statements. For that past 3 months or so we have not been able to get into our online account and when we call Macy 's credit card phone number we end up speaking to someone in XXXX who tells us that there is a software glitch and that they are working on it. On two occasions we asked to have our statement changed from paperless to paper statement so we could see our transactions, which has not happened yet. Our account is in great standing with a {$7000.00} credit limit and {$230.00} balance, so I know it is not our credit standing with them. We want to have online access to our account or a true explanation of what is going on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Financial Asset Management Systems Inc
State: MD

Complaint narrative:
I recently received a letter from Financial Asset Management Systems Inc in regards to a private student loans with XXXX XXXX. I am recently dealing with collection calls everyday where they are stating they are trying to collect a debt on a student loan. I recently contacted Department XXXX who looked up all student loans under my social security number. Department XXXX did not inform me of this so call XXXX loan with XXXX XXXX. Im in need of some assistant because this particular debt collector is telling me I owe them {$11.00}, XXXX which {$2700.00} are fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My closing agent mailed XXXX checks to payoff my XXXX CITI credit cards on XX/XX/XXXX. The XXXX checks were cashed by CITI on XX/XX/XXXX, as of today CITI still does not apply those funds to my accounts and they are charging me late fees and reducing my credit limit because I " owe '' money to them.

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 2017-03-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BC SERVICES, INC.
State: MN

Complaint narrative:
a company by the name of BC SERVICES INC are reporting a Balance {$1800.00} I have NO CONTRACT with this debt that is being reported I have asked that this account be verified and proof sent to my address and I have not received anything

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 2016-12-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
Asset was seized without warning in the amount of {$4800.00}. for a credit card that i have no knowledge about. they did not send me any notification but my money was seized from my XXXX account, by Palisades collection LLC, in XXXX and XXXX.. when asked i was informed it was for a credit card i had open with XXXX Bank in 2004.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XXXX Citibank offered a {$400.00} bonus for opening a checking account and funding within 30 days. Citibank reneged on this promise. XXXX I submitted funding request together with account application. Despite the fact that I have been a customer for last 20 odd years, Citibank demanded further proof of address. This delayed their completion of EFT funding to 32 days. Now Citibank is denying payment of promised {$400.00} bonus.

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 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am showing a debt to " Macy 's '' on my credit report. When I contacted the company listed as Macy 's they said Citibank was handling the case. When I called Citibank a woman named XXXX said that because the account was past the statute of limitations, it was too old to be sued and that they can not make any attempt at collections or even discuss the matter with me. They said that I could write to them or send them a check, but they would not explain who the debt was listed under and what it was for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX and XXXX are issuing Citi Pre-paid cards that can not be activated in lieu or refunds. The prepaid card numbers are not valid on Citi 's system, and the Citi system requires a valid card number to get through to a person to sort things out. At this point, my money is lost at Citi, and I am harmed in the amounts of {$180.00} ( card number XXXX ) and {$140.00} ( card number XXXX ) respectively. Citi has also wasted my time with their " customer service '' numbers that require a card number to get through a person.

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 2016-09-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a credit card from Macy 's department store for years and have handled my account online since they offered paperless statements. A few months ago they made changes to the website and I have not been able to log on to see my statements, make payments or do anything with my account. I have called every month to address the issue and make my payment and every month they assure me that next month there will be no problems but I continue to be unable to get into my account. I called this month to simply pay off & close the account because it is to frustrating dealing with not even being able to check my balance or due date or anything. They assessed a late fee and refused to remove it even after I explained that I have not been able to log on to my account at all in months. I would think that having a customer unable to access any of their information on a credit account is illegal. I 'm currently waiting for someone from their credit department to contact me about this.

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 2015-12-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Bloomingdales did not appropriately safeguard my credit account information. Someone accessed my account that had not been used in years and began ordering multiple high-dollar items on consecutive days. The first package arrived to our previous residence and we were notified by the tenants we had receive a package. I immediately notified Bloomingdales on XXXX XXXX that a fraud/security breach had happened and that I did not order this item. They kept me on the phone for over XXXX hours while they tried to figure out what was going on. I was eventually told that the perpetrator was able to order over {$2300.00} worth of items and change the shipping address with NO fraud detection!!!!!! I ca n't even place a single online order without them holding it for verification, but this person was able to ship multiple $ XXXX items to a new billing address???? 
I was told by the representative that they would send out a fraud form and cancel XXXX my store account ( which these charges occurred on and my XXXX ). On XXXX XXXX, the company proceeded to process a payment from my bank account despite my notification over a month before notifying them of the FRAUD!! I contacted them again, spend another hour + on the phone, requested to speak with a supervisor, spoke with XXXX different reps and was advise to fax in my bank statement showing the charge as well as my bill and the dispute information. I did that in late XXXX and I still have not been refunded for the amount they had no right to take from my checking account AFTER I reported the fraud. This company is neither protecting consumers from FRAUD, nor notifying their customers when a data breach has occurred and they owe me over {$2300.00} that they unrightfully took from my checking account after the fraud notification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XXXX XXXX 2016 I received a copy of my credit report. Upon review I noticed that Best Buy reported derogatory information to the credit bureau pertaining to an account that I was an authorized user - which is NOT true. I was NEVER to my knowledge an authorized user on this account and did not nor did I ever have a best buy credit card. I immediately contacted Best Buy and spoke to a customer Service representative by calling XXXX. I provided my SSN and was told that this account was held in the name of my mother and I was an authorized user. I requested that IMMEDIATELY my name be removed and the credit profile be updated. I never used this card and should not be held responsible for matters that I am not aware of. I was told that I should put my request in writing and fax to XXXX. I sent the fax as required to include my SSN, mailing address etc. Today I got a letter from XXXX stating that I had to provide the complete card number and a copy of the credit report. Please be advised that I have no idea what the XXXX digit card number therefore I am unable to provide this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a home cash-out refinance through Citibank on XXXX XXXX, 2015. I called into the mortgage department and spoke to XXXX XXXX XXXX # XXXX and was immediately given a quote based on my credit score. I told the representative that the reason for my refinance was to save money ( as our current interest has been 8 % ) and to pay off approximately {$50.00} k of student loan debt. I was pleased with the interest rate quoted and wanted to proceed with the process I was afraid that the loan would not go through based on my median credit score of XXXX and asked for a guarantee which he did approve of. He said he was more than certain that I would be able to get a 4.125 % interest rate based on my score, and when he officially ran my credit, the rate and terms remained the same. He said that he needed a processing fee to initiate the process, I told him that I was afraid that I would n't get approved and he reassured me that he would return the fee if it did n't. Therefore, I paid the {$520.00} application and appraisal charge and everything seemed to go just well. Until, I was n't contacted by XXXX anymore. Interestingly, my loan processor was abruptly changed from XXXX lady to another and I kept receiving calls during my work time ( which I had indicated was not a good contact time ) eventually I spoke to a new loan processor and she informed me that the loan was denied based on my credit score. I received a new credit score of XXXX and to this date I have not heard back from XXXX. During this time, I allowed my student loans to go unpaid certain over the process of all the refinance going through. During this time my credit took a XXXX XXXX point drop ( due to my delinquencies ) and they denied me. I looked today online and it still says in process. I have tried various times to come into contact with XXXX and I have not received a call from him. The problem now is that my credit score has been negatively affected and I am in a worse situation than before and no one will help me. I was deceived and left cold turkey. I would like them to either go through with the refinance or take responsibility for the balanced currently late of my student loans ( as I was guaranteed it would go through ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I never received a thing but a summons from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I was never able to dispute anything. I answered the summons with my election for contractual arbitration and even sent XXXX XXXX a letter before I sumitted my answer to the court here in Arizona. 

XXXX answered back with a motion for summary judgment. XXXX ignored my letter electing arbitration per Citibank cardholder 's agreement. XXXX forced me into litigation when a clause in Citibank 's cardholder agreement protects any alleged consumer from litigation. 

MY QUESTION TO XXXX FUNDING IS THIS : Why did you drag me into litigation when I invoked arbitration from day one? You ignored me. You denied my due process. 

CURRENT SITUATION : I was unlucky enough to get a superior court judge that does n't know arbitration laws and he gave XXXX a summary judgment against me. I fought the litigation as much as possible, but the irony is that the arbitration clause protected me from litigation and yet XXXX kept dragging me through it. 

Now there is a summary judgment that I am appealing to the Court of Appeals, who I hope knows the arbitration laws. 

WHY WAS I PUT THROUGH LITIGATION EVEN AFTER I INVOKED THE ARBITRATION CLAUSE? Why is it okay you ignore my rights as a consumer that is invoking the arbitration clause? I want answers. You have really ruined my health and denied my rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a Citi Card XXXX account the balance for which I have always paid by the due date. On XXXX XXXX, XXXX, I received an urgent call and text message about a possible security breach on the account. I called the customer service office and was informed of XXXX charges on the account ( XXXX from the same company ) for purchases I had not made. When I confirmed that these charges were not mine, the customer service representative told me that Citi Card was closing my account. I objected arguing that this action would cause significant problems because of my automatic payment creditors. But the customer service representative would not budge. I then asked to speak to a supervisor and was transferred to XXXX. As I had told the previous customer service representative, I told XXXX I check my account every week so I could quickly inform them of any security breach. But he said the company policy required the closing of the account. And again, XXXX refused to reconsider his decision when I complained about the automatic payments. When XXXX would not change the decision, I asked for a refund of the remaining portion of my annual membership fee. XXXX explicitly told me I would receive a refund of that amount. 
Citi Card closed my account on XXXX XXXX, XXXX but never refunded my membership fee. 
I, then, engaged in a lengthy back-and-forth with the Customer Service Department at Citi Cards. At first, the representatives simply ignored my complaint. Then I received a response that my request was untimely because refunds were only possible within 30 days from the mailing of the statement with that charge. ( I was charged {$95.00} on XXXX XXXX, XXXX ). When I reiterated that Citi Card 's supervisor XXXX had told me the unused portion of the fee would be reimbursed, I received a message apologizing for the " incorrect information you received. '' Then, when I asked if Citi Cards was acknowledging that XXXX had made a misrepresentation, I received a message from XXXX, a senior account specialist, who asserted that " Our records do not show that you were advised that the membership fee would be credited. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I received an offer in the mail from Citi Bank for a new credit card. The name of the credit card was Platinum Select XXXX XXXX master card and the bank name is Citi. The offer stated that I was eligible for the credit card and if I spent {$3000.00} in the first 3 months that I would receive XXXX XXXX miles. Since they sent me the offer I applied for the card. I was instantly approved for the card. I got the card and started using it. I spent over {$4000.00} dollars on the card and I called in to see when I would get the XXXX bonus miles and they said I would receive them soon. I called back a month later and they told me that I was not eligible for the XXXX bonus miles. I just want Citi to stand up to their word and honor their commitment and give me the XXXX bonus miles.

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 2017-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC
State: PA

Complaint narrative:
I received an email from our current mortgage provider on XX/XX/XXXX with some small detail of what savings I could obtain with a possible refinance. I asked questions via email and asked to see an application for more detail on how the process works. I viewed an electronic application with only my husband 's name XXXX on it and I did not like the information so I rejected the application. I was asked to reconsider and have my husband call the finance company. I did not respond. On XX/XX/XXXX we received a letter from the mortgage company dated XXXX XXXX XXXX stating an application was submitted and denied. The letter has my husbands credit score from all three credit bureas dated XX/XX/XXXX. I called the mortgage company to speak with XXXX the name on the notice. He is telling me that we submitted an application or inquiry and that the letter is simply an update to how it concluded. I asked why we were getting this now, and he said we get it 90 days after the inquiry. This letter is dated nearly 10 months later. I believe XXXX has and still is submitting credit inquiries on my husbands behalf without his permission and then sending information to us in hopes that we refinance are mortgage with them,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: SC

Complaint narrative:
Although the Fedloan Servicing website gives instruction on targeting payments to allow extra payments to be applied to loans with high balances saving the consumer XXXX of dollars, they failed to acknowledge or apply the written request. I utilized the sample student loan payment request online and by mail and this information was ignored while these extra payments were split among all loans. When calling Fedloan Servicing they stated they could not target loans based on the instructional letter I would need to sign up to allow them to auto debit my payments or call monthly to make payments. This is not the information which is described.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I recently began getting my wages garnished by XXXX XXXX XXXX who claimed that they had a jidgment against me for over XXXX. I was never served judgemnt papers or even a notification of the court filing or date. I also never was notified about the garnishment. The actual debt is not even on my credit report so Im not sure how they are collection money I do not owe. When I called the attorneys office they used they had an address in a different state to which I live.

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 2015-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a few checking accounts at citibank. They are linked. One is supposed to be a charity account. For various reasons I had to downgrade the account to basic package ( I work at a XXXX and they had a special deal with citibank that citibank decided to renege on ). On the phone when I was ordering the account downgrade i asked if i needed to keep their minimum balance in all accounts ( since my charity account is constantly being emptied out for charity ). The rep said on the phone " no, the accounts are linked. as long as the total in all the accounts is over the minimum, there wouldnt be a charge '' ... Sure enough, there was a charge. I 've been wrestling with them for 3 days trying to get them to reverse the charge and standby the statement of their phone rep. They are refusing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have received repeated ( daily ) calls from XXXX XXXX XXXX , XXXX. They call late at night because the company has outsourced debt collection to XXXX and representative do not know the time in United States. In addition, the representative that call and answer company 's phone use fake name to appear as if they are calling from the United States. They are rude, overbearing, and lack a demand of the English language to effective communicate. The company has given me the runaround in my attempt to get them to stop calling my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation