vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XXXX 2015 a {$450.00} item showed up from a check written on my credit card. 
There was an additional fee for the check of {$22.00} I did not use a check and reported the activity to Citi Card after receiving our statement. The check was never authorized by me and I disputed the charge and the fees. The representative from Citi told me not to worry and the charge would be removed. I also at this time requested they not send me blank checks to my unsecured mailbox. 
On my XX/XX/XXXX statement the charge was never removed, and I am still getting blank checks in my mailbox. Made a second call and spoke to a representative at Citi and they informed me that they would take care of it including not sending blank checks. This time I started monitoring the online account activity. There was no change on my account. 
I called a XXXX time and requested specifically they send me formal dispute paperwork. At this time the representative at Citi asked if I wanted to list my Husband on the account as we just got married. I said sure. I also re-iterated that I am still getting blank checks in my mail which is how this type of fraud starts. The representative said they would get the checks to stop. 
After not receiving the dispute form I called a fourth time. This time I was able to coax them to actually sending the paperwork to me. The fraudulent copy of the check was in the dispute form and was clearly not something I signed and authorized. Further, it is not legible enough to even determine what financial institution accepted this fraudulent check. 
I filed the dispute paperwork on XX/XX/XXXX. 
On XXXX XXXX I received a statement from Citi stating they need my husbands signature to process the dispute. I find this insulting since he was not on the account and still does not have any credit scoring information assigned to this account. 
The check and check fees are still assessed against my credit card account. 
At this time I feel that there is no good faith on Citi 's end and have been dealing with the issue for three months. This is not acceptable behavior for a financial institution of this size and contradicts their fraud policy advertised on Television and other media sources. 
My Citi Diamond Preferred Card Information : XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX : was XXXX XXXX during the fraud activity. 
Account ending in XXXX My personal contact information is : XXXX XXXXXXXXXXXX I recently received a

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 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In or about XXXX 2016, I received a letter from Citibank requiring me to close my account by XXXX XXXX, 2016. I contacted Citibank to find out why but no one was able to provide me with a compelling reason so I had the account closed XX/XX/2016 to avoid monthly service charges for XXXX 2016 and stopped utilizing the account. Then I received a notice in XXXX 2016 from Citibank informing me that I was over drawn on my Checking Plus account for XXXX 2016. Checking Plus acts similar to a overdraft line of credit since this was a business account. I informed the bank that I had closed the account on or about XXXX XXXX, 2016 but they said they paid an ACH payment in XXXX 2016. I expalined my account was closed so how can I have an overdraft for a closed account? My understanding is that once an account is closed it is closed and if a check or ACH hits the account after it has been closed the Bank has to deny the request not apply it to overdraft account associated with the account and then charge me overdraft fee and interest! To resolve the situation I paid for the outstanding amount but I refuse to pay for any interst or overdraft fee since this was Citibank 's error to honor the payment not mine and hence I should not be charged any fees and/or interest. I have received numerous letters and calls demanding payment of the interest and I disputed the charges everytime informing them that this was their ( Citibank ) error not mine and am not responsible for any fee or interest payments. Please understand as of XXXX XXXX, 2016 their demand was for {$58.00} not a significant number but it is the principle that I am fighting for. Why should I be punished for their error? Should n't they be held accountable for not doing their job correctly. Once an account is closed it is closed and the bank does not have any authority to advance payment on my behalf without my knowledge and/or consent. Please note that this was a business account and I had been a customer for over a decade with Citibank.

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 2015-05-31 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
On XXXX, I contacted a customer service rep at Sears Credit Card. I arranged via phone to pay the credit card off. With Sears writing off some interest, the total amount that the representative told me to XXXX this card out was {$2000.00}. I paid that amount during this same phone call and was even offered the opportunity to now transfer other credit card balances to this account that may be high interest. On XXXX, I noticed that instead of a XXXX balance, my balance showed {$290.00} after payment. I e-mailed Sears about this and ultimately received an e-mail to contact them directly that these matters do n't get handled through e-mail. On this date I reached an individual on the phone who identified himself as XXXX. I explained the above to him and ultimately he said that even though I was told that the account would be XXXX after payment that it was still my responsibility to pay this new balance. He even went so far as to say that I get statements which I told him that I did not get paper statements that I could still log in and get my balance. I told him I understood all of that but in the end I had a live representative on the phone telling me account information and confirming XXXX that after payment my account would be XXXX. In getting no where with XXXX, I asked to speak to someone else in charge and he refused to do so after several attempts, he kept saying that I was accountable. I then asked direct questions as to whether or not he was refusing to give me another rep and ultimately, he said he would and put me on hold. He then came back briefly to tell me he 'd be sending me to a rep. I waited on the phone afterwards about XXXX minutes without feedback from anyone until I hung up. My total call time was XXXX minutes. I would like for Sears to honor what I was told and XXXX my account out. If this does not occur, I will certainly have no choice in paying this additional amount of {$290.00} and will then promptly close this account. I am amazed that even though I talked with their own account rep that ultimately I 'm told that even though they said that, it 's not true. These are shady business practices and XXXX needs to be dealt with regarding his poor, customer service skills as well as keeping me on hold without feedback or another representative getting on the line. I guess he got his revenge against me for questioning him and Sears by placing me on hold and no one coming to the phone. Nice tactic!!!! 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XXXX/XXXX/2015 I ordered a furniture set from Sears using their credit card. I received a bill for {$760.00}. The bill was due on XXXX XXXX, Saturday and I sent it in 7 days prior to the day it was due because it was a Saturday. I paid the amount in full. On XXXX, I received another bill from Sears with a fee charge of {$25.00} and interest charge of {$14.00} for a balance of {$690.00}, not even sure where that came from I have no balance prior to the above mentioned, totaling {$39.00}, because they did n't cash my check until Monday. I have noticed while reading comments that many people have had this problem and because Sears was n't resolving it they were getting more fees tacked on while disputing. I sent a letter to them on XXXX but I would like to make sure it gets resolved so I do n't get additional fees. According to the new law when a payment falls on a weekend, holiday or when the business is closed I should not be subject to late fees.According to their rules you can call them but they are not required to investigate without a letter, so I did n't bother to call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was mailed a promotional offer by Citibank for a Citi / AAdvantage Platinum Select Master Card which included an offer for XXXX American Airline bonus miles after making {$3000.00} in purchases in the 1st 3 months. I met the purchase requirement, and contacted Citi to ask about the status of the miles. I was told that I do n't qualify for the promotion since I had the same credit card in the past 24 months. I knew there was a restriction on opening and closing cards to keep people from taking unfair advantage of the offer, and it used to be 12 month. It had been 14 months since I last had a similar account with Citi. However, Citi was mailing these promotional offers every few weeks, so I called the Application Line to find out if I qualified. I specifically asked the agent if I qualified for the XXXX mile promotion, and assumed she had access to my account history to confirm eligibility. The agent confirmed that I qualified for the XXXX mile promotion, and that I would receive the miles as soon as I met the purchase requirement. There is no question that the Application Agent told me that I qualified for the promotion. I never would have signed up for the credit card if I had n't been guaranteed the bonus. Today, Citi customer service said that it does n't matter what the agent did or did n't say. They will not give me the frequent flyer miles even if the agent promised them. They agreed to go back and listen to the application recording, but stated that it wo n't matter because at the end of the call the agent would have read a disclaimer that overrides any promises made during the call. I understood the disclaimer, which is why I asked if I was eligible for the promotion. I did n't remember exactly how long it had been since I had been a previous Citi customer, so I had no way of knowing whether or not I was eligible. I relied on the Application Agent to tell me - and she said " yes ''. I 'm not an expert on laws governing over-the-phone financial applications, but at a minimum I think Citi is obligated to fulfill the commitments made by their employees. This appears to be a very deceptive practice, with similarities to what XXXX XXXX has been doing to their clients. While there is no cash value associated with these miles, XXXX airline miles could be used for XXXX domestic tickets which could cost {$500.00} or more each.

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 2015-07-07 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Solidus Group LLC.
State: TX

Complaint narrative:
On Tuesday, XXXX XXXX, 2015 a bill collector at the number XXXX called me XXXX times between the hours of XXXX and XXXX and would only identify himself as XXXX XXXX or XXXX XXXX. The voice mails stated they have a complaint in their office corresponding to my name, address, and SSN and I have to call them back within XXXX hours to address this complaint or else they will send a process server. When I called back, the agent did not immediately disclose that it was an effort to collect a debt, he was rude when I asked him to get to the point and tell me what they were calling me in reference to. I hung up on him. Then he called back and left my full SSN and DOB on my voicemail and said I have to call him back immediately or I will " be scheduled to appear, '' and failure to do so will result in " further consequences. '' He called again and I when I asked him to stop calling me he talked over me and said that he can send the process server to my job and I need to take care of my business and grow up, before hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Citi Mortgage brought my loan. After approx 2 years they put me into a modification program. All payment where on time. I have receipts. They did not inform me that the payments where only partial payments nor when a year was up that I was no longer in program even after timely payments made. After almost two years they demanded {$14000.00}. Than they said if I sent them XXXX I would be put back into the program. Until I requested a credit report I did not know that every month that I paid in the program they reported a late payment, ruining my credit! Citi Mortgage even lied to The Hope program which I was working with for several months. Seven times I faxed the needed paper work to Citi and everytime they stated it was lost or not recieved even though I have the Fax report stating it was a successful send. We had a severe storm in our area and my insurance company and I made over XXXX dollars on improvements on the residence, which I had to notify Citi of the same. Three months after improvements where made, Hope said they did all they could do and Citi still not confirming they had received paper work after several 3 way calls with myself, Citi and Hope, they foreclosed on my home. After employee from Hope, I stated this was n't fair, this program was not how President Obama wanted carried out..She said, That 's what you get when you vote for Him '' and hung up. That was the last conversation I had till I received a notice that my house will be sold.A company said if I vacate within a certain time I would receive XXXX dollars. I not only did not receive the money but two months later they brought me to court stating I did not vacate. I showed the Judge my new lease and the case was dismissed. The person I was to meet to confirm that I had infact moved out never showed up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XXXX XXXX, XXXX I filed a claim to citi bank regarding unrecognized debit {$8000.00} which debit on my account # XXXX on XXXX XXXX, XXXX. The claim number is XXXX. Customer has asked CITI bank to return {$8000.00} to be back immediately. The debit {$8000.00} was deducted from my account on XXXX XXXX, XXXX. No one from Citi bank to call customer to verify this transaction. Also according to recipient 's claim : they NEVER received this {$8000.00} so far. It caused me immediate attention that CITI bank has made error. I can not tolerate this at all. CITI bank never brought me any benefit instead all losses : such as lost interest at least {$7000.00} from XXXX XXXX to current XXXX ; Promotional bonus {$500.00} and XXXX thank you points ; Whole property damages {$400000.00} due to bill pay caused problem ; all disputed transaction can not be honored ; customer 's privacy such as all transactions were released.

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: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I find it surprising that CITI bank can send me a ton of pages from years ago but can not honor a request to either provide me with an IP address, or something I signed stating that this card is mine. My identity was stolen and I am just trying to figure out what debts are mine and I would make payment arrangements if only CITI would provide me with this simple information. They even sent me a screenshot of a computer screen with a lot of information but not once did they send me anything with an IP address or a signature.

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 2016-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have several credit card acct on my credit that I was listed as an authorized user never seen are used the card before..ithink someone might have my info

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

Complaint narrative:
My credit card account was frozen telling that they need to verify my identity. I had been using this card since lsat 6 months. I called them up and answered all the questions. Now they are saying they need to talk to me on a second phone which I dont have. Another rep insisted they talk to my employer. I requested many times to cancel this card. But they will not. 

Card details Citi Bank.

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 2015-07-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I rented an instrument in XXXX ; which I returned XXXX. The owner refused to give me a receipt for the return but wanted me to sign a adding machine tape with a dollar amount on it. I refused to sign the adding machine tape. 
From XXXX to XXXX, I never received a bill nor any type of notice. XXXX of XXXX, I filed bankruptcy which was discharged XXXX XXXX. 
I received the first call from Fidelity XXXX, on or around XXXX XXXX, whom I have never dealt with left a voicemail which I have recorded stating that they were trying to collect a debt from me. 
XXXX XXXX, XXXX, XXXX, from Fidelity XXXX called me demanding payment and the return of the instrument that I already returned in XXXX. I explained that I already turned the instrument to the store and that the owner is committing fraud, and that I did file Bankruptcy in XXXX XXXX, which was discharged XXXX of XXXX and that she and Fidelity XXXX was in violation of the law attempting to collect a debt discharged in Bankruptcy court. I informed her that I would be filing a complaint. XXXX, of Fidelity XXXX stated that the bankruptcy did not affect her collection attempt. 

Meanwhile, I have had to block the owner from contacting me on social media websites XXXX from requesting to be a professional contact. I am beginning to get worried that he might cause me personal harm.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have filed a number of complaints against Sears MasterCard and again I find the company has charged me a late fee of {$35.00}. XXXX when in fact a check was written for the amount due and postmarked with at least a week prior to due date. I am referencing check number # XXXX in the amount of {$340.00}. It appears Sears MasterCard did not process the check until after the due date leaving the consumer to pay its late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX and I have a Macy 's Credit card reward joint with my husband XXXX XXXX XXXX. I would like to file a complaint against Macy 's for unfair credit discrimination and retaliation.I had filed a complaint against Macy 's before regarding almost same issues but ever since I filed the complaint, Macy 's has been retaliating against us numerous times for no reason. We feel that we are being attacked by Macy 's lately. Every time I call they continue to ask my husband information to verify the account after I provided them with my information and I explained to them that I am a card holder not an authorized user. They drop our credit limit XXXX to 4 times in less than a year. My Daugther has a Macy 's credit card and they drop her credit limit once in 1 year and she pays her bill every other month. I recently contacted Macy 's and requested our bill to be send in the mail because I have a problem signing up online and until this date they have yet to do so. The law provides protections when we deal with any organizations or people who regularly extend credit. If I am responsible to pay the bill, why they do n't increase or decrease our credit limit based also on my credit score. My husband is a victim of I identity theft and is taking a long time to fix it. I have contacted the corporate office numerous times and they never return my phone call but my husband calls who 's XXXX and a XXXX they intermediately return his phone calls. Macy 's has been violating the Equal Credit Opportunity Act. Our account is open since 1996 and Macy 's does n't take that into consideration.

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 2015-05-25 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Financial Asset Management Systems Inc
State: NY

Complaint narrative:
I asked for a validation of the alleged debt this was back in XXXX and they have yet to comply. They have defaulted on my Administrative process, I sent a cease and desist letter, they then sent all correspondence to a third party which is an attorney. But they have not validated the alleged debt, and this attorney and I do not have a contract, he is not licensed in my state of XXXX, he is in XXXX. I have all letters that they sent me as well as the attorney. I have a copyright for the name in XXXX.

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