vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was double charged for {$150.00} in XXXX or XXXX XXXX on the Www.macys.com with my Macy 's card. I bought a dress and then noticed I was double charged and the same dress was mailed to some random address in West Virginia or somewhere. I have called Macy 's at Least 8 times in as many months and I have been charged interest, refunded interest charged a late fee, refunded the fee. I am at my wits end. It is still on my account as a disputed charge as of XXXX/XXXX/XXXX! I have written letters, and now I am turning to 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 monetary relief
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/2015 I signed up for a Citigold account via a promotional offer # XXXX that advertised XXXX XXXX XXXX miles after completion of XXXX requirements : { { {$1000.00} } } dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. I was told I had been enrolled for the offer and just needed to complete the above requirements in order to obtain my bonus. So I completed these requirements within the allotted time, confirmed conditions were met with Citibank, and waited for my points to arrive. After more than 90 days had passed, I had still not received my bonus, so sent an inquiry via secure message. I was told to continue waiting. After more time had passed, I reached out again, and was told they would investigate the bonus offer. I also went into my branch where I have the account with {$50000.00} balance several times and was told I would receive the bonus but I have not yet received it. I was then sent a secure message that that I would not receive a bonus. I was eligible under the terms and conditions and met the requirements, yet they still would not make good on their bonus 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 2016-10-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX fraudulent charges were processed by Citi Cards for {$100.00} per charge from XXXX XXXX XXXX XXXX. They initially credit my account, however after the merchant provided illegible documentation the reprocessed the charges even though i timely provided certification that neither I nor anyone authorized by me made the disputed charges. They further threatened to notify the credit reporting agencies that my account is past due if i did not pay the amount.

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 2015-09-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I attempted to cancel a Macy 's credit card recently, and was told everything would be all set. After a couple weeks I realized that the card still had a {$4.00} balance that was not explained. After calling Macys they informed me that the charge was an interest charge due to the fact that my last bill has not been paid despite the fact that I am on automatic payments. After some discussion they did agree to remove the charge however they never did. After another call back they informed me that the charge would be removed, but were unable to provide any kind of confirmation that it had been done, or and would not offer to call back to confirm. I asked to speak to another customer service representative in the hopes of finding someone who would be able to provide me direct contact information or call me back. Instead they simply hung up on me. Throughout this process the customer service representatives have indicated to me that their website is not functioning correctly and that there is no way that I can use it to check my balance reliably. At this time I still have no indication that any charges have been reversed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have been sending disputes to all XXXX credit bureaus for the past 4 months regarding this issue. Citi has been harassing me and my family regarding an account that is not mine. They are saying that I owe them {$3000.00} and they are reporting this on my credit report without my permission. When I sent them the police report and identity theft affidavit they ignored them and sent me none of the information I requested in order to validate this charge. If they do not stop contacting me and do not stop reporting this fraudulent information I will be contacting my attorney and filing a lawsuit for defamation.

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 2017-03-25 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
Leased car through Toyota financial services. At end of lease, bought the vehicle. During the time between end of lease and processing of purchase, the account kept posting new payments. TFS told me twice on phone that I did n't need to make those payments. Now that account shows as 30-60 days past due on my credit report. TFS never answer phone ; automated system says account associated with my information is closed and for unforeseen reasons, no customer support person is available to answer my call. Need the negative information removed from credit report as I never delayed a payment except when TFS told me to not make one. Disputing with credit reporting agencies has yielded nothing either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My name is XXXX XXXX I have a loan with Citi Mortgage since 2009 I have never been late, my balance on my loan is XXXX we paid XXXX for the loan. I have requested several times for my pmi to be removed, paid for XXXX or XXXX appraisals the last appraisal came in at XXXX thru citi mortgage even with that im still well below XXXX % the last attempt resulted in Citi removing the pmi then telling me it was a mistake months later causing my escow to be XXXX short after adjusting my payment for months to reflect the pmi being removed I have the letter stating that it was removed and proof of payment reduction this really puts me in a bind upping my payment nearly XXXX dollars a month and I just dont understand and im not getting any help from citi 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 monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Massachusetts Educational Financing Authority
State: CT

Complaint narrative:
My complaint about ACS began when I initially attempted to come up a way to temporarily postpone my payments due to lack of flexible options my loan servicer provided coupled with my financial hardship that I was currently going through at the time. There was an agreement that was reached in which we decided on a modified repayment plan. This meant that for the first 6 months I would have 0 $ payments and then incremental payments for the next two years. Essentially I was paying a percentage of what I owed which was working. However, in order for this payment plan to begin, I needed to set up autopayments which ACS had no problem doing. So I went ahead and began autopayments as usual assuming that in 6 months, my payments would begin to go through as expected. ACS failed to notify me that the autopayments were no longer going through which caused my payments to be delinquent for the 10 months before realizing it. I asked ACS why this happened and how come no one notified me of this change. ACS did not have an answer. I found out that there was a change in legislation that prevented me, being the cosigner on the loan, to make autopayments. If this were the case, why did ACS let me go so long without calling or notifying me of this error. As a result of this mishap, My credit is ruined and ACS refuses to take the 10 delinquent payments off of my account because of THEIR error. When looking at my payment history, you can see the time from when the modified payment plan started and when the phone calls were made to inquire about this issue. ACS will also not give me any more information regarding this including dates ( not viewable on the web ) and other supporting documentation. I am looking to have these 10 payments removed from my credit history with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a call from XXXX XXXX XXXX or as they call themselves XXXX. I was told that I have to pay my Citibank Bill immediately or they will pad lock my front door and the sheriff will be coming to arrest me. I then called one of their offices, and spoke to a XXXX XXXX who claimed to be the COO. He became belligerent and cussed at me. He told me that is why I am in collections because I am a loser. My XXXX year old daughter heard this as the call was on speaker phone. She started crying and asked why this mean man was calling you a loser Mommy.

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 2016-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I did not authorize inquiry and I suspect attempted ID theft.

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 2015-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am having serious problems with my mortgage and escrow account with CitiMortgage/Citibank. 

On XXXX XXXX, 2015 my private mortgage insurance ( PMI ) was released. I paid the XXXX statement as it was issued before the cancellation of the PMI. 

The XXXX mortgage statement came with no changes and I paid the amount due on the statement. I received a letter from CitiMortgage after I paid XXXX with a new monthly amount due. Then I received my monthly statement with a different amount due from their letter. I called CitiMortgage and they gave me yet another different amount due. 

In the meantime, they deducted money out of my escrow account but that money was not reflected in the new balances. I called and one customer service rep said that he did n't know where the money went and maybe they were issuing me a check but could not confirm that information, he just thought it. The money was taken out of my escrow account on XXXX XXXX, 2015. Nothing happened and I called again, and was told the money went somewhere but it was n't toward my principal and she could not determine where my money was. 

I emailed them and the respondent gave me the date of XXXX XXXX as the PMI cancellation date. I have the letter from CitiMortgage stating it was cancelled on XXXX XXXX, 2015. Information was also sent by the appraiser chosen by CitiMortgage that I paid for. Ugh. 

They recently took more money out of my escrow and I have no idea where that money is either. In addition, CA escrow laws are different and they do not acknowledge nor understand those laws. 

At this point I have to pay the amount on the statement which is more than I owe. Again, because it is an escrow discrepancy, the money will be removed from my escrow and not be refunded or credited that I know of. 

To summarize, I do n't know which of the monthly statement amounts they gave me is correct and I have no idea where the excess escrow payments are going. 

If you could provide me any assistance, even a phone number beyond the CitiMortgage customer service number that could escalate this, I would be sincerely grateful. 

Thank you so much for your time with this. 

All best wishes, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX ( cell ) XXXX ( work ) XXXX ( home )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
1 ) I ordered TV service from XXXX XXXX in XX/XX/XXXX and switched to XXXX on XX/XX/XXXX. I never signed a contract with XXXX stating I must stay with them for two years. Their service man came, installed the equipment and I signed a paper to attest that I received the equipment. I returned all the equipment according to their request. XXXX XXXX started to send me invoice wanting me to pay them a termination fee of {$250.00} for the following one year and I refused to pay. They eventually turned it over to the collection agency ( XXXX XXXX XXXXXXXX XXXX ) 2 ) My family and I rented a XXXX BR apartment when we first returned to the US from XXXX in XX/XX/XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX ( XXXX ), XXXX XXXX, MO. It was a 35 year old bldg. We bought a house and moved out XX/XX/XXXX. During our stay, the refrigerator door needed fixing, the kitchen sink backed up and blooding the kitchen and finally the ceiling over the bath tub fell down ( XXXX ) because the bath rm above us leaked water which collected on top of our collapsed ceiling. Our family consisted of me, my wife and an XXXX year old daughter. We did not have any pet and we we are very considerate professionals. When we moved out, the property management did not return our deposit of {$250.00}. Not only that, a month later, sent us a bill of {$800.00} for replacement of the carpet which had normal wear and tear. They never showed me any pictures of the carpet or asked me if I would pay for it. Six months later, I started getting letters from the collection agency ( Consumer Collection, MN 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 2015-12-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
credit card company trusted me enough allow my account to go over limit then they turned around and increased my Bill by XXXX fold without notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX in XXXX and finally received copies of statements from XXXX after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$810.00}, I requested XXXX to provide details on how the alleged amount of {$1100.00} was calculated, XXXX has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the XXXX is not authorized to collect interest unless it is authorized, I request XXXX to provide a contract from original creditor stating that XXXX is authorized to collect interest on this account.As per evidence presented above XXXX has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/2016 Macy 's credit card acct opened in store and made purchase of {$43.00} received email XX/XX/XXXX saying statement ready to view ( I had already paid the XXXX on line after setting up online access. could now not login and no email response for lost password, reset request. Called & determined XXXX fraudulent charges made on macy's.com. I told them to close the account, & i had not made any other purchases. they said they would send me a form to fill out. I received a replacement card which I had no knowledge of and a blank form with no info about the fraudulent charges. called again & asked them to send statement with charges. also said if i did n't have online access & ebilling why was n't the charges information sent to begin with. Are the credit issuers required to read a statement to notify & receive approval to issue a replacement card? it was not done, and when I asked that question today was told they have a new system & it could have been a glitch. today I asked the agent to read the dates & amounts over the phone so I filled out their form and will mail it in. This is the worst experience I have ever had with any credit card company.

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 2017-01-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I paid off the balance as stated when I signed into online banking on XXXX of {$90.00}. The VERY next day, the credit card company charged me a late fee for the previous month. Then they began charging me interest on the late fee ( no purchases had been made for several months, I was just paying down a final balance ) and I did n't realize it. I assumed the card was paid off, and the interest and late charges continued to rack up. I got a phone call about it months later, and when I went to look, I owed them {$75.00}! When I called, the guy argued with me angrily for a half hour about how I should pay my bills and I was late. I finally demanded a pay off number and paid {$77.00} ( a little over what he gave me to ensure they did n't try to charge me finance and interest charges again! ) today. Basically, they charged me interest on late fees which is absurd but also charging late fees the day after someone pays off their balance and not informing them that they actually will owe more is deceitful.

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 2016-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
A CitiMortgage rep told me my new payment would take effect in XXXX 2016 when I called them to inquire about the start of the new payment. I made payment in XXXX 2016 for the new payment total. On XXXX XXXX, 2016 I received a letter dated for XXXX XXXX, 2016 informing me my mortgage account was in default and had been reported to the Credit Bureau. I had never received any notification of this issue prior to this letter. I called CitiMortgage to find out what this was about and after discussion found that the rep had misinformed me of the new payment start date. The new payment was actually supposed to start in XXXX 2016. The supervisor I was speaking with verified through checking previous notes that the rep I spoke with did misinform me of the new payment start date and apologized for this mistake. She said she would submit a request to the Credit Bureau to have the report corrected. Citimortgage has since decided not to make anything right with this situation and has refused to send me any documentation on this issue or remove the late payment from my credit report. The company falsely reported information to the credit bureau and is also causing my current refinance I am going through to fall through due to the late payment report from CitiMortgage on my credit report.

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