vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My SEARS Master Card statement with statement closing date XXXX/XXXX/2016 for SEARS credit card shows a new balance in the amount of {$250.00} with a payment due date of XXXX XXXX, 2016. On XXXX XXXX, 2016 I paid the amount of {$250.00} in cash at SEARS store located at XXXX XXXX XXXX located in XXXX XXXX NY, XXXX. I will enclosed a copy of the payment receipt. The receipt date located on the bottom left corner of the receipt shows a date of XXXX/XXXX/16 as well as a copy of journal display printed by a SEARS associate for that point of sale showing XXXX as the payment timestamp. 
I received a text message on XXXX XXXX to call Citibank about my Sears account at XXXX. I promptly called and a representative told me that my account is overdue. I explained to the representative over the phone that I have paid it in full and I have the payment receipt. The representative directed me to fax the receipt over to the investigation department at XXXX XXXX. Then I called to make sure that it was received. Since XXXX XXXX 2016, I have been calling every other day to check on the status of the account. The representative talks to me as if there are no notes on the account about telling the bank that I have already paid, faxed the payment receipt and an investigation is under way. When I ask about a case number or a reference number to this matter, I am told that they ca n't give it to me. Last time I called was on XXXX/XXXX/2016 at around XXXX XXXX XXXX. I was told that my payment is still overdue. Frustrated and worried, I decided to go back to the store again. I showed the manager at the store my receipt. She kindly called the credit department with the store information and the receipt information and she was told that the account was credited on XXXX XXXX, 2016. Because now I do n't trust what I hear anymore, I called the XXXX number on my card and listened to the automated account information and indeed it mentioned that the payment was received on XXXX/XXXX/2016. The payment posted date is 17 days after I actually paid at the store. 
According to page XXXX of the credit card statement which reads as follows, Payment other than by mail. 
In store ( where Available ). 
Any payment in proper form accepted in-store will be credited as of that day. 

This means that I have honored my obligation and paid in full a day before the payment due date not 17 days later The Bank refuses to 1- follow its own published rules on page XXXX of the credit card statement and change the payment posting date to the date of payment at the store. 
2- Reverse the LATE FEE although payment was NOT late 3- Reverse the Interest Charges although the entire balance was paid in full before the due date. 
Because the bank does n't admit to its errors, I am concerned that it will report my payment as late to the credit bureaus.

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 2015-04-24 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC.
State: CA

Complaint narrative:
I was contacted by phone on XXXX/XXXX/XXXX by a debt collector with " Clear Credit Services '', XXXX, claiming to represent XXXX XXXX for an outstanding balance of {$5000.00} from XXXX and XXXX, original account # XXXX. The representative was very aggressive and repeated, " why did n't you pay this, now we have to report you to the XXXX County authorities and have you arrested and prosecuted for fraud! '' I was stunned by her statements and allegations, and told her that not only was she out of line for making such outragous threats but that she was breaking the law, but she did not seem to care. I hung up the phone, then was called again, same representative scolded me for hanging up. I told her I needed written confirmation of this debt and I was transferred to a " Settlement Director '', who later emailed me the attached demand letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX issued me a refund for overpayment upon me canceling services on XX/XX/2016. I received a prepaid CitiVisa card on XX/XX/2016, with my refund supposed to be available on that card. After attempting to transfer the balance of {$250.00} from card to my checking, I was given error message. I then called Prepaid Citicard, in doing so, the first person was not able to help. I was transferred to a Supervisor. This lady told me it would be 24 hours and it would be corrected. On XX/XX/2016 I attempted to transfer funds. This time I 'm told there is no money on the card. I call Citi again. The first person today, XX/XX/2016, tells me that the lady I spoke to yesterday requested a check payment. I did not request a check. That person yesterday claimed to be me and requested it. My conversation was recorded, I told her multiple times, I DID NOT WANT a paper check issued. That associate claimed to me and authorized a check to be sent. I did not do that. So now I have no refund, Citi has an employee that impersonates customers. My next complaint will be with the Pa State Police, because she clearly committed fraud. And I am still out my refund from 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 2017-01-31 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Credit card companies ( e.g., XXXX XXXX, Citi, etc. ) often offer rewards based on purchases made with merchants accepting their cards. The amount of the reward may depend on the Merchant Category ( type of business ) of the merchant. My issue is that it is very difficult to determine BEFORE making a purchase, what the Merchant Category Code ( MCC ) is for a given business ( e.g., XXXX, XXXX, etc. ). I have called both XXXX XXXX and Citi to determine the MCC for a specific business entity, and was told by both that they can not ( not allowed to ) provide that information, even though it is displayed on my billing statement the next month following the purchase. I am told by the credit card companies that it is up to the merchants to specify what their merchant category codes are and that I should contact the merchants directly to determine their code. The merchants I have contacted have been unable to tell me, for whatever reason, what their MCC is for the credit card companies they are associated with. For the consumer, I think the lack of access to a merchant 's MCC is a disservice, if not deceptive marketing practice to not make that information available. The vacation rental that I am looking at reserving for ~ {$6000.00} can result in a credit card rewards of $ XXXX {$180.00}, depending on the one of several reservation agencies MCCs I choose to make the reservation through. Because the credit card companies will not provide me with the Merchant Categories for the several agencies I am looking at, I can not determine ahead of time which merchant can offer me a better offer. It 's like the airline industry not revealing baggage charges ahead of time. Although the rewards are not hidden " charges '' the hidden MCCs can result in lost savings to the consumer.

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 2016-04-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Sears updated their website somewhere around last XXXX, 2015. I have ( XXXX ) credit cards with Sears, issues are with both the cards access to internet customer portal. Ever since then, I am not able to access my account online to pay my statement without having major issues which have resulted in payments not being posted, late charges incurred, etc ... Access to the website takes minutes to gain. Each time I try to click on an option for my account, that process also takes a very unusually long length of time. I am not able to access my rewards points from the website to redeem them, I have been trying to redeem them for the past 5 months. I have contacted Sears online support numerous times and spent a great deal of unnecessary time trying to get help for me to access my account to make payments and redeem rewards points. Each phone call I 've made, I was promised they would have someone from technical support trouble shoot and get back with me. I have not heard from anyone. I am extremely frustrated to say the least!! To date they have not fixed the problem.

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 2016-06-15 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XXXX XXXX, 2015, I purchased XXXX shirts at Macy 's and was asked if I wanted their credit card, which I agreed to apply for. I also ordered a suitcase and canceled the order and never picked up the suitcase. On XXXX 2015, I received a bill from Macy 's that stated I was late with my monthly payment. I called them to tell them that I had never received the credit card and that the charge for the suitcase ( that I canceled ) was still on the bill. I also told them that I could not register to make a payment on their website and was informed that I had to activate the credit card ( which I never received ) in order to open an online account with them. I tried several times to resolve the issue via phone without success. Finally I told them I wanted to make a payment ( for the merchandise I purchase ) via phone and paid for the XXXX shirts I purchased. I then told them that I had never received the credit card and wanted to cancel the account. I was told by the Macy 's phone representative that I had to pay the interest and that the account would not be closed until I made payment. I explained to them that what I was being charged for ( all interest ) was not a fair business practice because I had never received the card. Recently I received a notice from a collection agency that I had to make payment. I also received a notice from the U.S. Office of Personnel Management ( OPM ) Cybersecurity Resource Center informing me that I had a negative flag on my credit because of the Macy 's account. This has greatly negatively affected my credit score and credit standing in general. I am being charged {$330.00} ( all interest ) for a debt that resulted because of Macys ' incompetent handling of my credit card account. Not one cent of the amount that Macy 's states I owe is for merchandise. I do not believe that Macy 's should be ruining my credit because of their unscrupulous business practices. I am a government civil servant who has much to lose credit wise and employment wise because of this situation. I would greatly appreciate any help that the CFPB could provide me to settle this matter.

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 2017-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
we have a home loan mortgage from CitiMortgage since XXXX we never missed any payment. last XXXX XX/XX/XXXX CitiMortgage said somebody made a stop payment for the check we sent. nobody made a stop payment. went to XXXX XXXX XXXX and clarified and no record for stoppage and check was cash by CitiMortgage and no return check. we tried to dispute and called CitiMortgage customer service so many times but na avail. while on dispute for 4 months late charges were added and we decided to send another check payment for that XXXX plus the late charges. now we are trying to get out of CitiMortgage and refinance to other and ca n't do it because our credit report showing we missed paying our monthly morgage and our credit report is no good/messed up. would like to clear our records resolved. thanks.

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 2016-04-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX, I got a letter that Citibank was closing all of my credit card accounts with no notice or reason given beyond that it is their right to close an account at any time they choose ( copy attached ). However, I believe that this kind of adverse action requires that an adverse action notice be provided under the Equal Credit Opportunity Act and the Fair Credit Reporting Act but was not given. While I asked for a reconsideration, without knowing the reason for the closing, I could not effectively argue that the closing was unfair and unwarranted. 
The bank was also unfair when they refused to give the rewards that were earned in the month that the account was closed. I made charges and paid the full amount owed before the account was closed. When I opened the Citi Double Cash, I was promised XXXX % on purchase and XXXX % on payment of the charges. I made {$10000.00} in charges and paid it before the account was closed but Citi refuses to pay the {$200.00} benefit. On the AT & T card, I made {$3900.00} in net charges that were paid before the account closed but Citibank refuses to pay the triple benefit for online purchases that are worth a {$110.00} statement credit. While I 'm not a lawyer, this feels like unfair enrichment and promissory estoppel. I did my part of the bargain but the bank refuses to do theirs. 
The final unfair practice that I experienced in the closure is that Citibank says that they can keep the full annual fee for the full year membership even though they decided to close the account before the full year. The Credit Card Accountability Disclosure Act says that the company needs to disclose the annual fee but the fee can be for far less than a full year if the bank closes the account. I believe that I should get the pro-rated annual fee refund that was denied. 
Thank you, in advance for your help with this matter.

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 2015-07-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am trying to refinance my mortgage with the same bank that already has my mortgage, CitiMortgage. I also have a HELOC with XXXX. CitiMortgage wants me to supply a copy of the " NOTE '' for the XXXX HELOC. I contacted XXXX for a copy of the " NOTE ''. They supplied me with a copy of the notarized signed HOME EQUITY LINE OF CREDIT AGREEMENT AND DISCLOSURE STATEMENT and said that is the NOTE. CitiMortgage is telling me that it 's not and I have to get XXXX to send me the NOTE or a certified letter stating they do not have a NOTE. I spent XXXX hours this afternoon getting the same answers and no resolution. My complaint is why is XXXX banks documents not official enough for another bank? And why is it okay for CitiMortgage and XXXX to require different documents for the same house that when it was purchased and financed 8 years ago by both Banks this said document was just fine? I do n't know where to go from here. I ca n't get the document that CitiMortgage says I need from XXXX. As far as I know or can remember I never received or signed anything other than HOME EQUITY LINE OF CREDIT AGREEMENT AND DISCLOSURE STATEMENT from XXXX. Can someone tell me and both banks what is really needed here? I have n't defaulted on my loan, I 'm not asking the bank to reduce my principle, I just want a better interest rate so that my payment wo n't be so high and I should n't be put through all this nonsense. Bank loan documents whether conventional loan or Home Equity Loan should be standard. It 's your house/home that 's the collateral. And why are there all these closing costs when your financing with the same bank, they already have the title insurance, they already have the deed of trust, they already have the original appraisal and now the current appraisal

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I obtained a loan from citibank. Without informing me, Citibank sold off half of my loan to XXXX student loans. This has caused a lot of confusion regarding what I owe, and what my minimum payments should be. The minimum payments and interest rates seem to differ between both citibank and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
TO WHOM IT MAY CONCERN THIS IS MY SECOND COMPLAINT AGAINST MACY 'S FRAUDULENT ACT THAT BEGAN XX/XX/XXXX.WHY DO I SAY FRAUD BECAUSE AS OF THIS XX/XX/XXXX MACY 'S HAS FAILED TO REVERSE A LATE A FEE OF {$27.00} WHICH THEY CLAIMED THEY DID .INSTEAD THEY APPLIED THE LATE FEE TO MY MINIMUM PAYMENT WHICH HAS NOW BALLOONED TO {$100.00} XXXX MORE LATE FEES HAVE BEEN APPLIED WHICH HAS RESULTED IN MY HAVING A PAST DUE {$42.00} .RECENTLY I CONTACTED THEIR CUSTOMER SERVICE VIA EMAIL TOO? Y MY ACCOUNT HAS NOT BEEN CORRECTED YET & THERE RESPONSE WAS A PHONE # I SHOULD CALL BECAUSE THE ACCOUNT IS IN A SPECIAL UNIT.I'AM VERY CONCERNED THAT MACY 'S FAILURE TOO CORRECT MY ACCOUNT IS DUE TO THERE BANKRUPTCY.

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 2016-04-26 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I paid off my card balance in XXXX 2016. Apparently, I was charged {$53.00} in interest fees AFTER paying it off. I was not sent a statement either by mail or by email alerting me to the fact that I had a payment due, despite the fact that I am set up to receive e-statements. Because I was unaware that I had a remaining balance ( believing I had paid it off and having checked it in XXXX to make sure the payment went through ), I incurred late fees in XXXX and again in XXXX, bringing my total to {$110.00}. ONLY THEN on XXXX XXXX, 2016, did I receive a statement asking for payment in full. That was when I checked my account and discovered the problem. Citibank has refunded XXXX of the late fees ( {$37.00} ), but they need to refund the {$27.00} from XXXX as well. I would also like as much of the interest refunded as possible or at least check it to see if the charge is legitimate, since I had paid off the balance in full the month before. I am asking for a total of an additional {$80.00} in restitution.

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 2016-08-16 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This is just a follow-up on the complain I submitted XXXX XXXX with case # XXXX. I have contacted Macy 's executive office after CFPB contacted them. On XXXX XXXX, XXXX XXXX XXXX of Macy 's executive office send me a letter saying after their further investigation, they located the payments that were made using my checking account. Her letter also indicated that the amount {$380.00} will be refunded back to my checking account and allow 3 to 5 business days for processing. ( that was XXXX ) Her letter indicated a wrong account number ( account ending in XXXX ). Since the incident, I have closed my Checking Account. My account number is XXXX XXXX XXXX XXXX, account # XXXX. After a few phone calls ( leaving messages all the time ) I finally talked to her and gave her the correct account number. That was XXXX XXXX. Maybe with your help, XXXX will finally resolve this problem. XXXX XXXX phone at XXXX is XXXX Extension XXXX. Thank you so much.

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 2015-06-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I had a Macy 's American Express card and someone stole my credit card information and charged over {$2000.00} to my card on XXXX XXXX, 2015. I was alerted by Macy 's of the situation and they closed the account, sent me a new card and asked me to fill out the appropriate paperwork and send them a copy of my driver 's license. I did everything they have asked me to do. The charges are still on my account along with late fees and interest. I have called them several times and they said it may take 90 - 120 days to clear. In the mean time I have been getting harassing phone calls by XXXX multiple times a day from Macy 's. They call my office, home and cell phone. I find this all very disturbing that this is not cleared up by now. I have a XXXX credit card also and when I have had fraud on it, it is cleared up within a week. I do n't know what else I can do at this point. They have dinged my credit and I have sent them a letter about all this. I do n't feel as a consumer who was a very loyal Macy 's customer for years that what they are doing is appropriate and I am very frustrated with their whole process. They are wasting my time and their 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I sent money to my mother 's account, from XXXX to XXXX, and she never received it. This happened more than 2 months ago and Citi Bank still " ca n't find my money '' and is not giving my money back.

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