vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I was ( closed my bank accounts in XX/XX/XXXX ) a Wells Fargo customer for over 20+ years. I applied for a {$10000.00} home equity loan over a year ago and was declined, however they said I was already approved for a {$10000.00} credit card. I took the credit card with zero interest for one year. They upped my credit limit to {$13000.00}, and then to {$16000.00} without me asking for increases. I now have a {$13000.00} balance at 27 % interest and tried to pay down the balance with my bank account. I made a {$10000.00} electronic payment on XX/XX/XXXX and received a confirmation letter from Wells Fargo ( via mail ) and my bank account has been reduced. On XX/XX/XXXX I requested my credit limit be reduced to {$5000.00} ( I have a {$3000.00} balance ) and I asked to have the reduced credit limit reported to the credit bureaus. I was told I had to wait 3 days for the payment to clear before I could reduce my credit limit. Today is XX/XX/XXXX and I called today to request my credit limit to be reduced, and I was told my payment had not cleared and again I could not reduce my credit limit. I am fed up with the inappropriate banking practices of Well Fargo. I want my credit limit reduced to {$5000.00}, and I want my interest rate to be reduced to around 11 % ( like my other cc account ), and I want all of this immediately reported to the credit bureaus. Not too much to ask!!! Wells Fargo needs to be closed by the govt and all executive officers punished, not just in XXXX, XXXX XXXX 
XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Needed to order some merchandise from XXXX. Placed the order, but the product never got delivered. I even called XXXX and they determined that the product was stolen. I advised XXXX that the deliver driver left my back gate open and someone walked in and took the package. I have been back and forth between XXXX and Citi CC and again for the 10th million time i am submitting a complaint. And also my card got comprised, I got a text stating that someone was trying to use my CC at a foot locked for the amount of {$470.00}. on XX/XX/2017. Which that was not even me. The only thing this card has valid is a XXXX dollars charge from XXXX. Which I will be moving to my other CC soon. This card has been the worst to deal with. CITI CC also stated that they sent a replacement, WHICH I NEVER GOT!!! I just want 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
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX/XXXX/16, a company called XXXX from XXXX XXXX XXXX XXXX XXXX, SD XXXX did a hard pull of my credit report. 

I must say, I applied for a credit card at Citibank and the hard pull from Citibank it shows on my XXXX report ; as a result I have to hard inquiries on XXXX/XXXX/16 : XXXX from XXXX and another from Citibank. I do n't own any products from Citibank. 

I do n't know who XXXX is? Or why are they doing a hard pull on my report when I did n't authorized it.

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 2017-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/XXXX, I opened a Citibank account to take advantage of a checking account bonus offer. I funded the account with XXXX dollars on XX/XX/XXXX, and I maintained this balance for 30 days per the terms and conditions of the promotional bonus. 

XX/XX/XXXX, I contacted Citibank because I had yet to receive my bonus. An investigation was initiated and by XX/XX/XXXX I was told that I had completed all the requirements and I need only wait until XX/XX/XXXX ( 90 days after the initial 30 days ) at the latest to receive the XXXX dollar bonus. I did not receive my bonus, and I contacted Citibank again, who initiated another investigation. 

A few weeks later, I was told again that I had completed the requirements for the bonus, but now I was told that I had not submitted the necessary tax documents, XXXX, and I should contact the branch where I opened the account. I had submitted the tax documents XX/XX/XXXX, but I contacted the branch to correct the tax information and submitted the documents. This was done on XX/XX/XXXX. 

After another week of waiting, I was told by the branch manager through email that I would need to wait an additional 90 days to receive my bonus. I immediately responded to inform her that the terms and conditions and tax letter I received made no mention of any requirement to wait an additional 90 days. The branch manager has yet to respond even after I have contacted her three additional times. 

The branch manager and bankers at the branch refuse to speak to me. This is unacceptable. Citibank has violated its terms and conditions regarding this bonus, and I expect full credit of the XXXX dollars immediately.

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 2015-10-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Issue : Citibank deducts face value difference XXXX XXXX vs XXXX dollars ) from account principal, not pending deposited amount, on deposited cheques in XXXX currency. I filed a CFPB complaint one month ago, and was contacted by a Citibank representative who apologized in writing and assured me this would not happen again. However, it happened with the next XXXX cheque I deposited, resulting in a bounced cheque due to funds withdrawn from the account to cover the CAD to XXXX exchange rate. A citibank representative then refused to refund the bounced cheque fee, despite being informed of the outcome of the previous complaint ( refunded fees XXXX, and verifying it in Citibank 's records. 

Narrative : I regularly deposit paychecks in XXXX XXXX XXXX XXXX XXXX into my Citibank bank account. Citibank first deposits the checks as if they had been made out in XXXX. Then they correct the amount by subtracting the difference. However, they do this before making the deposited amount available. They typically hold an excessive 2-3 weeks before making the amount available. Where do the get the money for the difference? They deduct it from the balance already in the checking account, rather than adjusting the deposit amount. This has created an overdraft and left me without my own money on three occasions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Attempted to cancel credit card and was given a constant run around. When asking to speak to a supervisor they told me he would call me back in 24 to 48 hours. When I said just cancel my card and they said the annual fee payment still had to paid but it would be refunded in 60 day via a check in the mail. The wait times were on the order of 30 to 45 minutes. This was the Citi Bank call center in XXXX, XXXX. After asking for the name of the agent I was then told they could send me a refund check in 2-3 days.

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 2016-05-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XXXX XXXX I applied for a Citibank XXXX XXXX XXXX with a XXXX bonus miles award after spending {$3000.00} during the first 3 months I have spend more than {$13000.00} during those 3 months however Citibank refuses to honor the bonus miles award claiming that the promotion is valid for new customers only. 
However there is no indication on the website about that : XXXX I have had a Citibank XXXX Credit Card before but it was cancelled in 2015. 
Thank you

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 2016-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a citigold account with citibank using the promotion code which was sent to me by citibank with promo code XXXX. Which states I will earn XXXX bonus ThankYou ( R ) Points after opening a new consumer Regular Checking account in The Citigold Account Package after completing 1 or more qualifying bill payments for 2 consecutive Citibank calendar months. After I opened the account I got the confirmation letter confirming all the promotional detail by citibank and stated I was enrolled in this offer. After I was enrolled in the offer, I contacted citibank several times and the agents all confirmed I was enrolled in this offer and repeated the condition for fulfilling the requirements and confirming I am eligible for the XXXX bonus thank you points. However, after I fulfilled all the requirements and contacted citibank again to check when I will received the bonus points, citibank agent told me I will not get any points since I was not targeted for this offer. Which is clearly not true as I spoke to several agents confirming I was eligible and enrolled in this offer and if I was not targeted they should have told me I am not eligible in the first place. Also, I had several citibank issued credit card offering thank you points and I am a member of thank you point account which I believe is the reason I received the offer and I applied for the account. I believe citibank has made a mistake and confused the customer and therefore should credit me the points I deserve since I fulfilled all the requirements for the offer.

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 2015-08-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have recently lost my job. I 'm currently seeking employment. In the mean time I send payments which I can afford every month. Although these payments are not the required monthly payments I send what I can to show good faith. The credit card companies still call me relentless day & night multi times a day. They call on XXXX my land line phone & cell phone, When I try to explain my situation, they hang up. The companies who are harassing me @ this time are1. City Bank XXXX XXXX, Ky. 

2.XXXX XXXX XXXX XXXX XXXX calls are recordings as early as before XXXX as late as XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Below is the essence of my complaint, extracted from a letter I wrote XXXX XXXX CEO of Citicards, division of Citigroup. 
I am writing to you about the usury -level interest rate Citicard is charging me. 
My interest rate prior to and including XXXX was 10.46 percent -high enough -- For some reason, I do n't recall ever giving consent or receiving any information about the change -- my interest rate was raised to % 26.74. Let me say I would never ever agree to an interest rate of % 26.74, which my rate was raised to. 

I am a XXXX, with fluctuating income, and always busy, as XXXX XXXX said " the clock runs faster than the typewriter. '' Despite being busy, as far as I recall I have never missed a monthly credit card payment. I have a good credit rating. I am sure you can produce some document, which was undoubtedly tucked away in a stack of forms saying I authorized the change in rate. Let me say unequivocally, I do n't recall ever authorizing or agreeing to an interest rate of 26.74 % -- again that is usury. Just now -- XXXX XXXX, XXXX -- I noticed the high interest rate listed on my monthly statement -- portion of that statement is enclosed. 

I want my interest rate reduced to the original % 10.46 certainly a highly profitable rate for CitiCard. Let me quickly say, a banker friend of mine said of the cost of money over prime and its impact on banking- loan business. " At 1 % I loose money, at 2 % I break even, and at 3 % I make money. '' On XXXX XXXX, The XXXX prime rate was listed at 3.75 % .. 
Here is what I want : 1 My credit card interest rate lowered back to its original % 10.46 2. A refund of all the excess interest I was charged from XXXX, that is all money I paid above % 10.46. 
3. An explanation why my interest rate was raised. 
4. Copies of any alleged documents that I signed or agreed to raise my interest rate from % 10.46 to % 26.74

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 2016-11-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Debts were incurred to Citibank around XXXX years ago. The total claimed is around {$41000.00}. The debt has never been affirmed or refreshed. To the best of my knowledge, no judgment was ever obtained. Even to the extent that it had, then it would have expired long ago. However, the company ( national recovery center, inc. ) is now attempting to collect this debt. ( note, i submitted an earlier complaint against XXXX. that name was incorrect, and this complaint corrects that mistake ).

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 2016-11-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I applied for a Citibank Checking Account based on an offer advertised on their website offering a {$400.00} bonus if I maintained a certain minimum balance. I applied in XX/XX/2016 and file number assigned by Citibank was XXXX I was denied a checking account by Citibank and they sent a letter to that effect. My complaint is regarding this letter since it did not provide any specific adverse action reason to why my application to open a checking account was denied. I have attached the letter as evidence. I have a perfect credit history with no late payments ever and I already have existing credit card relationships with Citibank in perfect standing. I would like to understand why was I denied for a checking account and why was I not given an opportunity to clarify or dispute any information that was missing or derogatory leading to the bank 's adverse decision.

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 2017-01-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have had a Citibank credit card since XXXX 2016. In XXXX 2016 my card had fraudulent activity and I was sent a new card. Citibank removed my credit card and all my positive credit payment/balance history from my credit report with all XXXX credit bureaus. I disputed it with Citibank and all XXXX bureaus immediately. I spoke with several XXXX at Citibank as well as all credit bureaus. Citibank told me countless times they had submitted the info to the bureaus and I needed to wait 30 days for them to update. I call the bureaus after that 30 days and they state they 've never received anything from Citibank. I have charged and paid on this card religiously since I opened the account. I have gotten no help from Citibank in adding this account back to my credit profile. I am at their mercy as the bureaus ca n't initiate 'adding ' or 'reinserting ' an account, it must come from the lender/bank directly. I am in the process of buying a home and this has dropped my score by XXXX points making me unable to get approved for the home loan. I will be seeking punitive damages once I get this situation rectified.

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 2016-11-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I signed up for the Citi XXXX consumer credit card in XXXX, 2016. As I was out of state, I did n't receive the card for a couple months. This was because they could n't send the physical card to an address that was n't the initial address when the card was set-up. According to a rep I just spoke with at Citi, he confirmed I did n't get the card until XXXX/XXXX/2016. 

I was extended an offer to spend {$1000.00} and get XXXX XXXX XXXX miles. Since XXXX/XXXX/2016 I have spent well over {$1000.00} and have n't received those promised miles. I was told today that the offer end date was XXXX/XXXX/2016. That seems fundamentally unfair because I was told I would have 3 months and they admit I did n't get my card until XXXX/XXXX/2016. 

I have no ill will towards Citi but I would like for them to follow through on their promise and put the XXXX XXXX miles into my account immediately. 

Thank you for your help. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FIDELITY CAPITAL HOLDINGS, INC
State: VA

Complaint narrative:
I have met and continue to meet the payment requirements however it has been placed in collections. I did initially fail to meet the payment obligation however paid the previouse month and current month XX/XX/XXXX as per a phone conversation with the point of contact. XXXX XXXX who works for XXXX XXXX I experessed to her I don want this to hit my credit she said no problem just pay the last month missed and the current month and continue to pay on time from now on so I have and XX/XX/XXXX it was placed in collection on my credit report. I continue to pay and have all receipts if needed however they report every month I make a payment. I want this pulled off my credit report since they are continueing to accept the payment terms as discuss as well as the fact I have not missed or been late since XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Media Collections, Inc
State: MI

Complaint narrative:
Prior company account was closed, several times because they kept it open after several times me closing it, sent me multiple letters claiming a false amount owed, several times this is after i recieved written communication from representative that account was closed and amount owed was a total of {$210.00} they sent me letters stating over double was owed, i sent several communications with them advising that amount owed was false and needed correction before payment. company refused to respond and sent it to collections.

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 2016-02-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Re : XXXX Macy 's Store Card I CALLED TO FIND OUT IF CARD WAS GOOD, AND THEY SAID IT WAS GOOD. 
AT THE MACY 'S STORE IN XXXX XXXX, IT WAS DECLINED, AND THEY SAID IT WAS CLOSED A YEAR AGO. I WAS NEVER INFORMED ABOUT CLOSING THIS ACCOUNT, AND I WAS OWING NO MONEY, AND WHY DID THEY CLOSE IT? THIS WAS WRONG.

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 2015-06-15 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Asset Management Systems Inc
State: AZ

Complaint narrative:
Over a period of a year the following occurred: 
Dishonestly told me they could not establish a payment plan unless I made a down payment and committed to a monthly payment I couldn't afford. Threatened that if I didn't begin. Along these payments they would garnish my wages. 
Omitted multiple requests to change my address, leading to never receiving ability to dispute an administrative wage garnishment. 
Placed administrative wage garnishment while not allowing my fair right to dispute. 
Despite their unlawful methods of implementing my garnishment, I attempted to  set up loan rehab and on XXXX) occasions of providing the requested info, I was told they never received it. And after (6) months of compliance, I was told these payments were not considered adequate since they "never" received my documentation. They would consider restarting the program after I finally requested I would no longer comply unless all contact was in writing and requested verification of what my balance was based on, since it doesn't match my loan info. They claimed this was a cease and desist, and would no longer deal with me or provide me with any additional information. 
Despite $XXXX in the funds they've recovered my balance has not gone down. To date they still reflect me owing the,  a balance of $XXXX. 
They have yet to provide adequate information breaking down the costs my debt they claim I owe. The info that was provided to me, only accounts for approx 30% ($XXXX) of the balance they claim I owe them ($XXXX). 
Finally after months of attempting to dispute the garnishment they finally rescinded it after I filed a complaint the myeddebt website. I provided hardship paperwork, however FAMS, nor their "special accounts" will discuss my account. I was directed to contact my Ed debt, Whom directed me back to FAMS, despite explaining their refusal.

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