vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
California XXXX XXXX XXXX XXXX XXXX called and stated that my mother owed them money from a debt years ago. If we did n't pay they would take us to court. they had a case number and stated that sent letters to service her. They had all of her infomation. Everything from SSN address, account numbers. They even gave her a confirmation letter and web site XXXX They took over {$1600.00} from her. This is a scam. They are not real. i tried to call them back to cancel the transaction and they gave me the run around

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I believe that I was charged or enrolled in Watch-Guard Preferred which is a wallet protection program that was previously offered by Citibank N.A . without my consent or knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I reported XXXX fraudulent charges on my Citibank card, and was told I would not be responsible for the fraudulent charges which would be reversed in 3-5 business days. XXXX were reversed in two days. The third is still on the account. I have spoken to XXXX representatives over two weeks, including representatives from the " Fraud Department '' and the " Billing Disputes '' department. I have been given three dates by which I was assured the charge would be reversed ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). I have been told I need to speak with the " XXXX Department '' but could not be connected to them because they were " very busy ''. I was given XXXX different phone numbers to call the Security Department directly, however all three are always busy at all times of the day. In five more business days, the fraudulent charge will start accruing finance charges, in which case I will have to fight to dispute those charges in addition to the original fraudulent charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear CFPB : My Citi bank credit card was stolen and I informed Citi and they did remove some charges but not all of them. They keep sending me a new bill with late charges and interest. I spend a lot of time on the phone with them to clear up this problem. They told me their fraud department is slow. I stop using the card and asked them to cancel the card. 
Could you please help me clear this up? XXXX XXXX XXXX Card # 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 monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX unauthorized charges totaling {$250.00} appeared on my Citicard statement in XXXX, 2009. I timely filled out and submitted all the bank 's dispute forms. The bank kept sending me duplicate forms, which I also submitted. Ultimately, the bank denied me the credit I had sought, falsely claiming that I had authorized the charges and that I had failed to file the proper dispute forms on time. I have a thick file on this matter, as I escalated my dispute to the XXXX Attorney General 's Office, to the U.S. XXXX ( who stated it had no authority to assist me ) and to the XXXX , Inc. ( USA ). Feeling frustrated and abused by the bank, I refused to pay the bill, which eventually increased to more than {$500.00} from the imposition of service charges and late fees. Worse still, the debt seriously damaged my credit score which has caused difficulty for me in obtaining bank loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a marketing email promoting XXXX Citi Thank you points for opening a citigold checking account. Terms state that I needed to complete two billpays in two month within 60 days and spend {$750.00} in debit card purchases. After initially funding the account with {$500.00}, I scheduled online bill payments that were not processed, causing a late payment to both my citi TY premier credit card and citi Aadvantage credit card for which I did not notice until receiving late payment notice via email about 3 weeks after account was opened. It was also at this time that I tried to log back online, only to discover, that the account had been blocked and that I needed the ATM card ( never received ) in order to regain online access. When I called citibank, was told that my account needed ID verification within 30 days of opening ( which I never received a request for ) and is now being processed to be closed and no atm card could be sent out to me. I attempted to stop by a local branch and the same thing was told to me. I had XXXX pre-existing citibank credit cards that are linked to the newly opened checking account, so I am not sure why citibank claims id verification is all of a sudden needed, for which I never did receive the request for. It seems to me that the marketing email was sent to me to get me to open the account, but citibank did not allow me the ability to complete the requirements of the terms in order to get the bonus points.

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 2015-04-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was issued a civil suit from XXXX. I XXXX and made payment before hearing. They didnt contact the court house like they said i would. I payed the debt off, but on my credit score they still say i owe money and they payment amounts are wrong. I contacted them and they give me a number where i dont get any assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
From XXXX XXXX, XXXX until XXXX XXXX I was not employed and was not able to meet my mortgage payment obligation. I went to the agency that helped me obtain the mortgage, XXXX, and started a modification process with their help. Once I became employed again, I attempted to resume paying my mortgage and was informed by CitiMortgage that they could not accept payments and that I would have to continue the modification process. I have informed them several times that my intentions are to keep my house. 
I have had to start this process over twice now because CitiMortgage keeps closing the file insisting that I have not submitted necessary documents that I most certainly have submitted numerous times through XXXX and directly to Citi. There has not been one time that a requested document was not submitted right away. 
Also, since starting this modification process over yet once again, they have sent me letters stating that my file is under review and while in " Review '' status that all foreclosure activity would cease. They are not keeping their word as am I steadily receiving notices from the XXXX County Court involving the foreclosure proceedings against me. I feel that I am being treated very unfairly at this point. These fees are steadily rising and payments increasing and it will soon be to the point that I will not be able to afford to keep my house. All I want is fair treatment and the opportunity to resume my payments. 

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 2016-11-17 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
In XXXX of this year Costco issued a Citi credit card in my name, as the primary on the account, without my express consent. They claim that they sent a letter indicating that existing Costco credit cards with XXXX XXXX would be switched to the Citi card. I did not receive such a letter. I found out only a few days ago that the Costco XXXX card I had was canceled and a new Costco Citi card issued in its place. At no point did I give authorization for such a change. Was it legal for Costco to issue the Citi card in my name without my express consent?

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 2016-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was repeatedly mailed promotions to open a Citi Gold Checking Acct and receive XXXX XXXX XXXX Miles. On XXXX XXXX, 2015 I open the account using promo XXXX. 
I was required to spend {$1000.00} in 60 days using there debit card and XXXX qualifying bill payments for XXXX consecutive months. ( All of which I did!! ). The fine print also says " the miles will be posted within 90 days of the end of the statement period in which you complete all offer requirements. '' It has been well over 90 days and I still have not received the miles. I have called Citi numerous times and have numerous investigations to clear this up, but I still have not even received XXXX correspondence from citi. In the mean time I am being charged $ XXXX/month checking account fee. I have XXXX all documentation including the original mail offer with my name on it. 
I have done all the required actions I was asked to do to qualify yet Citi still will not grant me the miles. I want Citi to credit the miles to my AA acct.

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 2016-05-29 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:
There are XXXX accounts on my credit report that show open and in collections. The XXXX accounts were included in the Bankruptcy Chapter XXXX filed XX/XX/XXXX. The United States Bankruptcy Court granted a discharge in XX/XX/XXXX.I have filed a dispute XX/XX/XXXX with XXXX in regards to have the XXXX accounts debt removed from my credit report. As of today, it still shows on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Asked citi if they waived their credit cards ' annual fees for XXXX service members. They said yes and gave me an email address and fax number to send my substantiating documents too. Filled out their credit card application since they assured me that there would be no fee and soon received my card in the mail. They later got back to me and told me that because I entered XXXX before applying, I do not qualify for the waived fee. This seems, at best misleading, and at worst, deliberate targeting. I have an upcoming XXXX and out charges on that card. My only options are to pay off that card somehow and close it out within & lt ; 20 days at this point ( even though I wo n't be reimbursed for another 40 days, at least ) or suck it up and pay the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I ordered a bag of smoothie mix from a company, received it, this went fine. A month later they sent me another that I had not ordered. I contacted them and simply asked that they discontinue sending me more. They agreed. A month later they sent me a third bag. I told them that I would not pay for this, so they requested that I return the product. I sent it back to them and they did not refund my money. I contacted them asking about it but did not receive a reply. I then submitted a dispute with XXXX including the return shipping information and XXXX rejected my dispute. a ) I was repeatedly wrongly charged, b ) the seller has taken both the money AND the product.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
This communication is based on and a part of prior communication regarding loan # XXXX and a complaint # XXXX. As I reviewed the status of communications today I noticed that Citi had included a lengthy summation of loan history - and I 've been led to believe that I received that information long ago. Not sure that is true. Does n't matter in the whole scheme of things regarding Citi 's actions, but I seek to inform those that read this stuff - I 'm uncertain as to whether I received the information they allege they sent - frankly I do n't think so. It certainly is not in my files of late, and I have started to be very careful about communications between myself and Citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX/XXXX/15 I paid my Macy 's credit card in person - some cash plus a check for {$1000.00}. In the past they 've always handed back my endorsed check, because it is processed as an electronic payment. This time the clerk kept the check - and a few days later, when my debit card was denied for insufficient funds, I found out that my checking account had been charged twice, once electronically and once as a check. But only {$1000.00} had been posted to my Macy 's account. After several phone calls and faxes, Macy 's " resolved '' this by treating it as a refund of an excess payment - in other words, they put the {$1000.00} back into my checking account but charged it to my Macy 's card!!! More faxes and phone calls ... .. More runarounds. Except for a letter on XX/XX/XXXX that was posted on-line ( never mailed to me! ) telling me my dispute was being looked into, I have NEVER HEARD FROM MACY 'S. Not when I had first put in the dispute and did n't give them all the info they needed - nope, they just quietly closed the dispute without bothering to tell me - just ignored me. Not when I had been promised calls back by a supervisor - no call back. When I call Macy 's one can not speak to anyone who has my correspondence in front of them - only the " back office '' has the actual correspondence, and the people on the phone only have the ( half-baked ) notes from the back office, so there 's no way to " confront my accuser '' or at least force them to explain what it is they do n't understand. Sometimes I could n't tell if the person I was speaking to was stupid, or just assumed I was stupid ( sure, I stupidly, mistakenly thought my {$1000.00} was missing ) - or maybe that I was making the whole story up. Oh, and to top things off, the website has a feature allowing you to send a message - but the feature is broken - you ca n't send a message!! Even alphanumeric characters give back an error message about " special characters '' that are n't allowed!!

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 2016-03-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
Why, if you are reporting the account as paid timely in XXXX XXXX to XXXX XXXX, are you then reporting the account to XXXX and XXXX as paid 30 days late in that same month of XXXX XXXX. Obviously both statements can be true so why are you confirming to the credit bureaus that you have investigated this account and both of those statements are true? 
Additionally, you are reporting the account to XXXX XXXX as late for the months of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On XXXX XXXX and XXXX you have reported these months as paid on time. 
Additionally you have reported to XXXX XXXX that the account was paid on time in XXXX of XXXX then the next month in XXXX XXXX it shows as 60 days past due. You claim to have " investigated '' and found this to be accurate. If you can explain this accounting of timely in XXXX then 60 Days late the next month in XXXX, I would love to hear that explanation. 
Finally, your correspondence of XXXX XXXX, XXXX indicates that the account was late 3 times 30 days or more. If this is accurate, why did you subsequently verify to the credit bureaus the 60 day late payments in XXXX and XXXX of XXXX? 
I am asking for them to remove all negative late payments because they failed to perform a substantive investigation, in fact any type of investigation would have uncovered these discrepancies. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have already submitted a complaint # XXXX. I was supposed to have a remedy within a 60 day period. Needless to say, the 60 days have passed and no response. The merry-go- round begins again. Please see what can be done and keep me informed, PLEASE!!! Thank you 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 explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have previously attempted to dispute this charge with my bank and for some reason my CFPB complaint filed in XXXX has not been addressed. On XXXX XXXX, XXXX, I paid {$4900.00} dollars to Appelizer.net for services that were never provided. Please see previous complaint. I still have not received the items described verbally and per our contractual agreement. Upon further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I know that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not received the services I initially purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with a representatives who stated my request must be in writing I obliged with documentation on XXXX XXXX, XXXX, they sent me a form that I completed and mailed in only to be told the will not look into the matter letter by phone. I did everything that was required of me via the law and them. This is simply a delay tactic, please have them look into the matter, they are supposed to be there for me their customer. I would like my money refunded without further delay. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Ten years ago I was laid from my 25-year job. Since then I have been unable to make payments easily. I already went through all of my 401k to try to keep my place. I just make enough to pay my bills, little else. I had my mortgage and a home equity loan through Citibank. After 10 years, apparently I have to start paying the principle on the home equity loan which I was unaware of. My payment went from about {$300.00} to $ XXXX+. I have continued to make the {$300.00} payment but that 's all. I do not make enough to refinance or get another loan. The payoff on my place is about $ XXXX. When I started to see if I could be considered a " hardship case '', they did a property assessment of $ XXXX. One letter told me they would " suspend Foreclosure proceedings '' while they determined if I could qualify for a loan modification. Three+ months later ( this week ) they denied me. I can never get through to anyone and no one returns my emails. I had to file bankruptcy so my Citibank Mortgage loan was sold to XXXX XXXX/XXXX. They do not give you any information on your statement, and make you wait forever to get through, and then you are transferred to the " Bankruptcy Department ''. But it is very difficult to talk to anyone because my Home Equity Loan is no longer tied to my mortgage loan at the same company. I usually get transferred about 5 times, and then they end up transferring me back to the department I started with! Most of the time, they just answer " No one is available to take your call. Call back later ''. One person I spoke with said I was never in Foreclosure status, so who knows.

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