vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank has been robocalling me at least once a day for the past month or so from XXXX. Instructions tell me to check my accounts on line ( but they do n't indicatecate what I am " checking '' for ). ( I did review my accounts at the web address they provided and all my Citibank accounts are current. ) The other option is to call them at XXXX because they " always love talking to customers. '' I did a XXXX search and found that Citibank has been harassing thousands of their customers with these ongoing robocalls. 
What can I do so stop these robocalls?

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 2017-01-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
My wife and I have a Citi Double Cash account opened in XXXX XXXX. In early XXXX XXXX a payment for the full balance was sent to Citibank. Payment was negotiated by Citibank on XXXX XXXX. We have the cancelled checks, one of which is attached. Then I began to get non-payment notices. We called to inquire. On the XXXX agent we talked to, we were told that payment was applied to an old account in my wife 's name that should have been closed a long time ago. They refused to send us a bill on the old account and refused to redirect the entire payment to the Double Cash account. They finally agreed to redirect that portion of the payment over the balance of the old account to the new account. However, I can not verify that this was done because my access to the website on my Double Cash account is blocked with a page saying payment is over due. Citibank had absolutely no authority from us to redirect payment and had no authority to re-open an old card in my wife 's name.

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 2016-11-17 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
The Home Depot offers consumer credit cards which are serviced through Citibank. 
They periodically offer extended payment terms with no interest charges if paid within XXXX, XXXX, XXXX, or XXXX months depending on the amount of the purchase. The extended terms purchases accrue interest at 25.99 % which is only charged if you fail to pay the balance in full before the extended term expires. 
The problem is the way that they apply payments that are made on the account. The online payment system does not allow the customer to direct which balance that you want your payment to reduce. 
In general, the typical account will have balances from : 1 ) current month purchases ( which have not appeared on a monthly statement ), 2 ) prior period purchases ( which must be paid in full by the payment due date to avoid interest charges ), 3 ) one or more extended terms balances ( which must be paid in full by a specified date to avoid the deferred interest charge ). 
The Citibank system will automatically apply a payment to current month purchases before applying anything to the extended terms purchase balances. Obviously, they try to make sure that you do not get the extended terms purchase paid in full before the expiration so that they can collect the accumulated deferred interest charges. 
As a result, I have stopped making any new purchases on my Home Depot credit card which forces Citibank to apply my payment to the extended terms purchases. However, they are still applying the payment to the extended term purchase with smallest amount of accumulated deferred interest charges hoping that I will fail to get the larger balance paid in full before expiration.

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 2015-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I filed a complaint " Qualified Written Request '' on XXXX/XXXX/2015 and received no response what so ever. Not even an acknowledgement of receipt from Citi Mortgage in reference to my escrow account and the illegal holding of my mortgage payment As per fax receipts all papers where received at the number given to me by Citi XXXX. supervisor. 
Please see attached documents for entire explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I applied for and was approved for the Citi XXXX XXXX XXXX XXXX XXXX card which included a promotion of getting a statement credit applied to my account for a phone I bought on this card through XXXX XXXX XXXX, and I would also have a 0 % APR on purchases through XXXX XXXX XXXX after meeting the requirements. I have confirmed via online chat through Citi 's website that I met the requirements XXXX different times, both times they stated the credit should be applied within XXXX billing cycles. I met all requirements in XXXX and have still not received a statement credit. I have been charged interest on the balance I have left, which has been less than or equal to the XXXX XXXX XXXX purchase, which qualifies for the 0 % APR for 7 months. Citi has misled me multiple times and at this point I 'm unsure if they are working to resolve my situation.

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 2016-03-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2015 I detected, while checking my credit card activity in the website ( macys.com ), fraud activity in my account ( about {$480.00} ). Immediately after, I called the credit card dept. to let them know about the issue. They canceled my account, sent my another card with a different number, and told me not to pay the amount related to the fraud activity. I decided to pay the total amount of my debt, excluding the fraud activity, and stopped using that card. I have not use it since then.Days later I received a form where I should indicate all the charges that were not mine. I sent it three times, since I was told that they had not received them. Since then nothing has happened. I call the credit card dept., every week ; they have not answers. I have called the fraud department hundreds of times and nobody answers the phone. The waiting time is between 30 to 45 min. Who can wait that long waiting for someone to answer? The three or four times someone has answered the phone, during these eight months, they say that the problem will be solved in few days, and I am still waiting. Meanwhile, they have been charging late fees to my account every month affecting my credit scores. I honestly do n't know what else to do. The fraud activity, when you see the statement, is the following : XXXX XXXX Ats Online XXXX {$100.00} XXXX XXXX XXXX {$77.00} XXXX XXXX XXXX XXXX XXXX XXXX {$77.00} XXXX XXXX XXXX XXXX # XXXX XXXX {$76.00} XXXX XXXX XXXX XXXX XXXX XXXX {$61.00} XXXX XXXX XXXX XXXX XXXX XXXX {$77.00} Additionally, there are International Fees related to these charges for an amount of {$11.00}, which mean that they were made out of the United States. The first charge in the list, though, does n't have that fee.

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 2017-03-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a Citi visa best buy card that has been tampered with and charges were made on my account that are not mine. The only charge on my card is from XX/XX/XXXX from XXXX for XXXX. Citi still has my account with a balance of the following below : Last Reported XX/XX/XXXX Creditor Name CBNA Account Type Credit Card Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$2000.00} Term -- Monthly Payment {$65.00} Responsibility Individual Balance {$1300.00} Highest Balance {$2200.00} Payment Status Current Worst Payment Status Current Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late 0/0/0 Remarks

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 2016-01-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am a victim of identity theft. Back in XXXX, my identity was stolen and used to open fraudulent accounts at various department stores ( including Macy 's ). I filed a police report and immediately notified all of the creditors. I have contacted Macy 's customer service on several occasions to have the account closed and notified them this was a fraudulent account that I did not open. They assured me they would resolve the issue and I did not owe the debt. I continue to receive statements and now collection letters for the debt. I sent them a certified letter stating the debt is not mine and to discontinue sending me statements or collection letters. Macy 's has ignored every request and continues to pursue this debt. I am going to also file a complaint with the FTC. It is illegal for them to continue to pursue a debt they know to be fraudulent. All of the other creditors have all closed the other accounts and cleared me of any responsibility. Macy 's is the only XXXX that continues to pursue this debt with someone they are aware is not responsible or under any legal obligation to repay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Media Collections, Inc
State: CA

Complaint narrative:
Offenders : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - Account Representative Joseph , Mann & Creed They are attempting to collect a debt we do not owe. We paid this debt as rent, provided the theaters proof ( check # s, deposit date, amounts ) over two years ago, and they are still trying to collect. We have proven time and time again we are done with this and they are still attempting to collect. 

XXXX XXXX has since attempted to collect this debt sixteen times after they have been given proof, and have brought in Joseph Mann and Creed ( adding them makes 17 times they have attempted to collect a debt we do not owe ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I disputed a charge on my card because the goods received were defective and not as described, and the merchant was not responsive to my requests for return/refund. Citi opened an investigation, but did not collect any information from me. The case was then closed because Citi said the merchant provided ample evidence that my claim was invalid. The evidence from the merchant was nothing more than tracking information when goods were first shipped to me. I dont understand how that constitutes ample evidence that my claim was not valid since I was not disputing the charge on the grounds that the items were not received, but rather they were defective and not as described. I reopened the claim and submitted 1 ) correspondence between myself and the merchant that showed that the merchant dismissed my claim and did not respond to requests to return the item and seek refund and 2 ) several pictures depicting the defects and differences from what the seller advertised. Citi again closed the investigation in favor of the merchant because I did not provide evidence I returned the item. I can not provide that evidence because the merchant refuses to assist in the return. 

This is the same claim as XXXX, but Im listing Citi as the company ( XXXX was the merchant )

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 2016-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX funding has partially responded to all disputes made on CFPB. This is intentional I am NOT represented by XXXX and they have not proven that I was served for the lawsuit they brought against me concerning XXXX. It was past the statute of limitations and I NEVER was served and had no way o defend myself. Wages were garnished and XXXX funding still reports on my credit bureaus. XXXX account was with XXXX and another with Citibank both fraudulent. I have requested debt verification including m signature and proof that these debts belong to me. I want records and signatures verifying these accounts are mine. I also want proof that I was served for court. XXXX funding has been sued for dishonest practices and fraud. I 'm a victim of this and will pursue this, I have not received letters like they claim

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 2016-11-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I ordered flowers from XXXX XXXX for my aunt 's memorial. That company did n't deliver the flowers in hand to anyone. I gave them my uncle 's phone number so they could call him before delivery. He is XXXX so he may not the door bell if someone rings it.The person left the flowers by a door that was n't used by anyone and no one knew the flowers were outside in the the sun all day, from XXXX until XXXX when my cousin called to tell me they\\\\ they did n't received the flowers. I was terribly upset since it was the last thing I could do to honor my aunt and no one got the flowers for the memorial service. I called XXXX XXXX and told them I wanted a full refund. They offered half my money back right away but said if I wanted a full refund and they said they would have to pick the flowers up to get the full refund. I told them to pick the flowers up. 
This was back in XXXX when the weather was very hot. 
I told them I was n't paying for the flowers and called customer service with Macy 's American Express card and told them to put a stop payment on the flowers. The person I spoke with told me they would take care of it. The next month I called them when I saw they had paid full payment to XXXX XXXX for the flowers, they lied to me. Each month I called about my bill and they lied to me telling me it was taken care of while charging me interest on the unpaid amount for the flowers each month. I have been lied to so many times now that I ca n't trust this company anymore. They never should have made any payment to XXXX XXXX until the matter on the flowers was resolved. I am going tear up myc card and never use it again. I hope you can help me with this situation.

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 2015-10-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
My wife and I had purchased a vehicle from a dealership, and the bank the they used has now refused to give us the Title, since a Medical condition caused us to falter on the last few payments. The bank in question has been playing " hide & go seek '' with the Title, using various other institutions as a penalty to us. I once told them to come and pickupt the vehicle, AFTER they made contact with me, but they didia random drive-by to try nd pick it up. When it was n't in front of the house, they then used this tactic as an excuse to with-hold the Title, and claim we did n't deliver as promised. I have multiple documents to demonstrate their devious tactics. The first company they claimed was holding the Title was the " XXXX XXXX, '' in XXXX, MA. Then when I contacted XXXX, they stated in an UNDATED letter that " XXXX XXXX XXXX '' ( XXXX XXXX, XXXX ) to make arrangements to return the " collateral. '' No mention of me acquiring the requested XXXX. The envelope is dated for XXXX XXXX, 2015. BB & T was provided with every piece of Medical information to demonstrate why my obligation to meet the payments were not met. Instead of obtaining the vehicle under professional and mutual means as I attempted, on numerous occasions, they instead started playing with my already XXXX and will, after the well documented XXXX ( " XXXX '' ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had signed up for a XXXX under a promotion that was supposed to reward me with XXXX AAdvantage miles after spending {$1000.00} in debit purchases and 2 consecutive bill pays. I had signed up in XXXX 2016 and received the account in XXXX. At the beginning of the process, I called Citi to make sure everything was straight with the promotional details, and was assured that when I completed the requirements, the miles would end up in my account. I promptly made the required debit purchases and bill payments and called Citi again in XXXX 2016 to ask when the miles would post. I was told by one Citi representative that the miles would post as soon as the statement period closes in XXXX. An online representative told me to wait until the end of the month. When that happened, I checked and the miles had n't posted. I spoke to a representative online and was told it would take 90 days for the miles to process and I should check back in XXXX or XXXX. That answer was very uncomfortable to me because I had planned to use the miles for a trip in XXXX and I needed to book tickets 2 months in advance. So I called back again and was told that the miles would appear on XXXX XXXX. When I checked on XXXX XXXX, the miles still have n't posted. When I called back again, the representative could n't figure out why the miles had n't posted and decided to open up an investigation on my account that would take a few weeks to complete. On XXXX XXXX, I received an email saying that my account was n't eligible for the promotion, which contradicts everything I was told by Citi since I signed up in XXXX. I followed Citi 's instructions as they were given to me, and believed the representatives as they told me the miles were coming. 
Also, I held my account open much longer than I would have if I knew my miles were n't coming, and paid the monthly fees to keep the account open. When I was told my account was going to be investigated, I presumed I was n't going to be charged the monthly fee for the account, and I did n't use the account at all during the time period. I did n't want to fuss with an account that 's being investigated and I do n't think I deserved to be charged for the account during that month. However, Citi still charged me for that month and it led to a {$38.00} overdraft fee that I do n't believe I deserve. I believe I was wrongly misled during the signup of the account, throughout the account 's lifespan, and charged monthly fees and overdraft fees for falling into their deception. If I had waited until XXXX like one representative told me, I would have been charged a lot more in fees, miss out on my XXXX trip, and get XXXX miles in reward for my effort and sacrifice. This is obviously unacceptable.

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 2016-04-12 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a Citibank credit card. I have paid my monthly balance in full. Citi policy states new balance on the credit statement must be paid in full in order not to be charge interest. Yet they have continue to charge my account interest.

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 2016-11-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I first consolidated my XXXX loans in XX/XX/XXXX, Citi bank bought the loans and I was currently enrolled in another school at the time, so the loans were in deferment for many years. Anytime I was not in school I did make payments, however once I completed my XXXX and was out of work, I put the loans in forebearance ... .or so i thought. I tried numerous attempts to make arrangements with Citi bank to cure my defaulted account, then finally gave up. Now they are over {$24000.00} and in collections- I just got the letter today XXXX/XXXX/XXXX. The wo n't work with you on anything. It 's either all or nothing. You are at their mercy.

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 2015-04-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a personal loan with One Main Finance. The loan was due on XXXX XXXX the payment is in the current month due. But they started calling me on the XXXX non stop. The loan is n't even XXXX days past the due date. Calling me XXXX times or more a day leaving messages. All day calls starting at XXXX ending around XXXX. Even calls to my phone on Saturdays.

Company response to consumer: Closed with explanation