vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX credit card service declined my auto payments. When I called in they stated it was due to my card had expired. My card good thru date shows XXXX. They advised on XXXX they would issue a new card with an updated good through date reflecting XX/XX/XXXX. I received the updated card on XXXX only to have an even earlier expiration date of XXXX. If a card has a valid good through date there should be no reason why a card charge should not go through. They asked me to activate the new card which will expire next month. This does me no good by my auto payments will get rejected once again. The person who is not returning calls is XXXX and her number is XXXX. I 've reached out to her 6 times and left 2 messages and have not heard 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 explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX XXXX I made a {$400.00} cash payment to my Macy 's credit card at department store. I received an email confirmation that the payment was received, as I always do with all payments.In XXXX XXXX, I did not see the payment posted to my acct so I called and they initiated an investigation. I was told I did not have to make any payments while the matter was in dispute and being investigated.I received a letter stating that. In XXXX XXXX I got a letter stating the payment in question was posted to my account. However, I did not see it posted. So again I contacted them and disputed this for 7 months, they refused to honor their email confirmation of said payment and refused to post it to my account. In XXXX my stmt indicated no payment due so I did not make a payment. Not being able to resolve this I had no choice but to pay it again. Later when I applied for a loan I found out they posted 3 months late payments on my credit. I contacted Macy 's again and they refused to remove it. This has affected my credit score and my ability to get a loan. Macy 's has been unreasonable and unfair. Macy 's needs to be investigated, I 'm sure this happens to a lot of people and we just give up trying to fight them, because it takes so much effort and they transfer you around to many departments. Even going to the Executive complaint office was useless. The person I communicated with was XXXX XXXX and she indicates the matter was properly investigated and that a computer glitch caused the email to be sent to me. This is absurd, coming from such a big company with massive computer systems. They should honor their own correspondence. I want Macy 's to refund me my {$400.00} and correct the negative credit reporting. I thing they need to be investigated for unfair practice, in that I 'm sure this has happend to many other people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I used XXXX XXXX Visa Debit card and they took the {$72.00} saying it was pending though it was declined to XXXX. They will not put the money back for eight days so I can not use it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Since I was not using enough the credit card, they have closed the account. 
No notification or warning was given to me to avoid having a negative impact on my credit score and penalizing my credibility

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
I have been late making my regular payments for a personal loan to OneMain Financial in XXXX, SD. Had contact with them, I told them how much I could pay for now and they continued to call up to XXXX or more times per day. I was late by about XXXX days on regular payments. I did make a smaller payment of {$25.00} which they cashed but they said it was not enough. I stopped answering and called them, left a message that they were not to call my office anymore. A OneMain employee called my office on XXXX/XXXX/15 and my boss answered the phone. He told my boss that OneMain would be garnishing my wages and he would be mailing the paperwork to our office. I have not received a court order or judgments against me. As far as I understand the law, there needs to be a judgment before wage garnishment. This was very embarrassing to me and as far as I know, employers are not a qualified third party and this violated my rights. If I had been served a court order at least I would have been aware that wage garnishment was a possibility. I filed bankruptcy the next day, I had planned on it eventually, but this did cause me a lot of anxiety and also made my coworkers aware of my situation, which was unnecessary. I will talk to my lawyer about a lawsuit against this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
In XXXX 2015, I received a call from my XXXX XXXX consumer fraud department that they detected fraudulent charges. Someone purchased XXXX trips from XXXX, totaling {$1000.00}. I confirmed the charges were not mine and they shut off my card and promptly sent me a new one. The company also mailed an affidavit, which I filled out and returned. The company told me it would take up to 2 months for the charges to be removd from my account. Numerous phone calls, hours spent on the phone, and 5 months of paying interest on these fraud charges, they remain on my account and no one is a ble to help me. They claim they lost the affidavit and have supposedly sent me two more out, which I have not received. I have escalated this and they keep telling me that it is going to take two more months for the charges to disappear from my account. I have been paying interest and battling this company for 6 months now, when it should have been resolved months ago. I feel they are unable to resolve this and I am out of options.

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 2015-08-05 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
It is impossible to access information to ascertain my balance on this card or the transactions that were recorded against the card. 

Information is supposed to be available by phone or on the Web site prepaid.citi.com. However, I am locked out of the Web site with no information on who to contact for support and the phone number provided on the back of the card for support is an automated system that will not respond to my card number and provides no option to actually speak to a human. 

Citi has obviously set this up to make it extremely dificult to utilize the prepaid card and track the balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 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:
I have been attempting to obtain a home equity loan modification from Citibank since XX/XX/XXXX because on XXXX/XXXX/XXXX the 10 year note matures and instead of being interest only it becomes interest and principal. I was assigned an agent within Citibank who sent me forms to fill out which I did to begin process. I filled out forms, uploaded them to secure email host.XXXX. and began the process of obtaining a loan modification. Since XXXX/XXXX/XXXX Citibank has shuffled me to numerous agents assigned to my case. In each instance after fulfilling my obligations to provide financial docs, permissions to obtain tax transcripts for tax filings of mine I have been " shuffled '' agent to agent ( approx. XXXX agents ). The agents have not followed through with communicating with and to me regarding status of my loan modification. I have been provided with new agents to deal with my case and a pattern of delay on Citibank 's part has been established and memorialized in notes I have written for each phone call to Citibank. Telephone numbers have been provided to me by agents ( via emails ) which when called connected me to wrong departments within Citibank, agents assigned to me " were not in the office '', " were not longer within home equity department, or simply did not respond to my communications after 100s of hours spent by me generating financial docs and providing them requested documentation either sent to me to fill out or required I provide them in order to obtain a loan modification in a timely fashion. Now I am about 3 months and 2 weeks from the time in which my loan goes from interest only to interest and principal, which will create a condition in which I will no longer be able to make payments and stay in my home. YESTERDAY I was informed by a supervisor at Citibank that Citibank WILL NOT begin a loan modification with me until I am late ( or/and delinquent ) on my payments on this loan, which as of this day I am still current on. In other words, I have to give up protecting my credit score and sacrifice my credit at XXXX years old in order for Citibank to consider performing a loan modification after consistently paying what I agreed to pay them monthly since 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 2015-12-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am trying to open a new account and the lender says my Equifax is frozen. I did not place a freeze on my account and Equifax does not offer any method to contact them by phone for details on who and why there is a freeze on my credit score. If contacting them by mail they request a member number for their fee based credit monitoring service. 
They should offer a customer service phone number to resolve issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Macy 's never sent me my bill for a new account, and is trying to charge me months of late fees now and will not cooperate, claiming that I must have received the bills which I did not. 

I would like to have the account, but I am not paying {$100.00} in late fees because they chose to wait 3 months to send me the first statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Citibank checking account on XX/XX/XXXX and deposited funds on XX/XX/XXXX. I opened the account because Citibank promised XXXX dollars would be credited to the account after XXXX days of making the deposit. The exact wording of the offer reads as follows " the cash bonus will be credited to your new checking account within XXXX calendar days from the date when you completed all offer requirements. '' Beginning XX/XX/XXXX, I have called Citibank multiple times. Each time, I have been told that all requirements have been met and that they are investigating the problem.

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 2015-10-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Best Buy delivered a crushed dishwasher to my residence and refused to take it back. Once I realized that the dishwasher was destroyed, I stopped uncrating it and called the store. They said that they would not come back and get their scrap metal that they delivered and told me that returning the item was my responsibility. I asked how I was supposed to do this considering it took multiple people to unload the, and the item, packing and crate are very heavy. I was told it was n't their concern. I took pictures of the crushed appliance, and I tried to get someone to help me return the item. I had no vehicle that could return such a large crate. I eventually found a neighbor who agreed to rent me his vehicle to return the item and it took XXXX males to lift the crate into the minivan, but when I got to the store they said I could not return the defective product because it was not returned to them within 15 days. This is ridiculous because it was scrap that was delivered and not the product I had agreed to buy. I have extensive photographic evidence to verify this. I was told that Best Buy could have their XXXX XXXX refurbish the dishwasher-their words, or I would have to take store credit. I told them that was n't an acceptable option after the hell they put me through to get their junk back to them. They have threatened me with legal action, telephone calls well after being asked to stop, and despite a credit dispute, never incestigating the incident.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2016 I received an email offer from My Best Buy VISA Card that stated " Get a {$5.00} Reward Certificate for Every 5 Swipes when you shop with your My Best By VISA Card outside of Best Buy. Offer expires XX/XX/2016. '' The fine print stated " Receive XXXX bonus points per transaction. Bonus points will post to your loyalty account 3-4 weeks after qualifying purchases have been made. Limit XXXX bonus points per account ... '' Essentially, I was to receive XXXX bonus points per transaction and XXXX points equals {$5.00} in rewards. With a limit of XXXX bonus points, that means that a limit of XXXX transactions would receive XXXX bonus points each. I made XXXX transactions from the period that I received this email offer through XX/XX/2016, so I should have received the maximum XXXX bonus points. I never received any bonus points so I sent a secure message online through the card 's website advising them of the issue on XX/XX/2016. They replied back on XX/XX/2016 that they were " unable to properly respond to my request '' and provided the phone number XXXX. I called the phone number on XX/XX/2016. The person I spoke to said they had no such offer. I stated that I still had the original email and was looking at it as I was speaking to him. After several lengthy holds and being transferred to a " supervisor, '' I was told that they would forward my case for investigation and provided me with case # XXXX. I asked when and how I would hear back and get my bonus points. He stated they would email me within one week. It is now XX/XX/2016 and I still have n't heard anything nor have I received the bonus points. I tried calling the number back to follow up on the status but I was transferred and put on hold for over 20 minutes without anyone who was able to understand what the case number was referring and, eventually, I was transferred to Best Buy customer service ( for the actual store ) which has nothing to do with the credit card offers. At this point I hung up and decided to file this complaint. It 's apparent that they never had any intention of fulfilling this offer and are using exhaustive customer service practices to frustrate me as a customer to give up. I feel as though this is a UDAAP violation in that they are emailing advertisements to encourage customers to use their card while not providing the bonuses promised in the advertisements. If I had spent the money on another card, I would have received 2 % cash back, however, at this time I have received nothing. I am looking for the {$50.00} in rewards that I was promised and some compensation for the hours spent online and on the phone trying to resolve the issue.

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 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was targeted for the Citigold banking XXXX AAdvantage miles promotion that was happening. I followed the terms and legitimately funded the account with XXXX of my credit cards and began to use the provided debit card for bill pays and spend. When I hit my promotional requirements of spending {$1000.00} and making 2 consecutive bill pays, I was told that I have met the requirements and will now just have to wait 90 days ( until XX/XX/XXXX ) to get my miles.I was charged {$60.00} dollars of maintenance fees in this wake. After XX/XX/XXXX hits, I have not gotten my miles and they are telling me they have to INVESTIGATE my account which will take ANOTHER 90 days. That 's another {$90.00} of " maintenance '' fees.

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 2017-02-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: MN

Complaint narrative:
I do n't understand why other loans with a due date are paid early the due date advances to the next month because I paid the payment before the due date yes it 's early but it was paid and advances the due date. I personally think it 's unfair that a financial institution essentially force you to carry a loan it 's entire term, or make " extra payments '' that do n't count towards the monthly payment. I 'm just trying to save some interest but can not believe a lender is ok with opporating this way, and allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In XXXX 2016, I opened a new Citigold Checking Account with Citibank after receiving promotional materials for promotion code XXXX. This promotion awards XXXX XXXX XXXX XXXX miles to a consumer who opens a new Citigold Checking Account, spends {$1000.00} on their new debit card, and utilizes BillPay services in two consecutive months. I was excited to try the Citigold product, as I 've done my banking exclusively with another bank and wanted to experience a different product. After opening the account, I received a phone call from a Citi representative who needed to verify personal information. This representative acknowledged that the promotion XXXX was attached to my account. 

In XXXX 2016, having completed all of the promotions requirements for the XXXX XXXX miles, I sent a secured message to Citibank. I received a secured response from Citibank on XXXX XXXX ( see attachment ). In this response, the representative acknowledged that my account was registered fro promotion XXXX, confirmed that I had completed all of the spending and billpay requirements, and wrote that XXXX XXXX miles would be awarded to my account by XXXX/XXXX/2016, 90 days after the closing date of the XXXX cycle. 

On XXXX/XXXX/2016, I sent a secured message to Citibank inquiring about my XXXX miles and received a secured reply that same day. That reply stated the following : my account is being investigated, but may or may not be eligible for promotion XXXX, despite what the earlier message ( sent by the same representative now replying ) said. The response suggests that I may not have been targeted for this promotion. The terms and conditions of the promotion said nothing about needing to be targeted, though the promotional materials I received were directed specifically at Citi XXXX credit card owners. As an owner of this exact credit card, it was reasonable for me to believe that the offer targets me. Nothing in the terms and conditions speaks to the contrary, and both both verbal confirmation by a telephone agent and a secured message by a Citi representative confirmed that I was eligible and registered for the promotion, had met its conditions, and would receive the bonus. 

Lastly, the XXXX XXXX secured response from Citi said that they could offer no time frame for an estimated date of completion on the investigation. In the meanwhile, Citi is charging $ XXXX/month in account fees.

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 2017-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: FL

Complaint narrative:
Due to a hurricane, my account was placed on a 3 month forbearance and at the end I made a payment for all 3 months. Franklin American Mortgage has told me since my account would be removed from loss mitigation, but whenever I sign on I am directed to late payment/modification options. I have called the company 4-5 times, and the most recent representative stated the request for my account to be removed was not submitted on any of the other calls. I am unable to make my payments online as the account is practically blocked from handling any business. I have to call the lender, be read the disclosure for fair debt collections and speak to the loss mitigation department before I can make a payment. My account is not nor has it ever been past due.

Company response to consumer: Closed with explanation