vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hereby its a pleasure contact with yours referent to a matter where result be victim with Bank Citi is involved employees occurred with me account bank where I received me deposit direct each month, in addition after multiples complaint by negligence because the bank take me money and refused protect me account from individual, business, entity, merchants or any other, a as consequences after review me account find that the bank allowed that business or merchant take money from me account without me authorization, the bank has been advice of such fraud but allowed that its merchant, business or entity charge to me account transaction that has been return or in dispute some time the merchant was return a product or services due to numerously factors example in days or month after refund to the account the merchant agent or business have charge once time the same amount to me account believes me I never ca n't see what happened with me account but few days find that a merchant have charge to me account a transaction that was dispute with the bank and the merchant at the time of requested a bad services and product that was return and the merchant shall be return such amount to me account but two month after the same merchant requested to the bank the amount one more time caused a balance negative must find that me account have various transaction with the same situation or in some case the merchant not return the credit to me account or have charge for amount that I do n't have sign or authorized and the bank refused verified or invest above the merchant caused sever loss to me account today the bank concluded that a amount where the merchant was return the product and services the bank allowed that its merchant charge to me believes me I have a same incident numerously time in the same account where I have a loss around of {$4000.00} Dollars from me account with a similar incident believes me by resolve requested allowed open a investigation to the bank and merchant and requested back me account the amount loss consequences of negligent of the bank Very Truly Yours

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XXXX co-branded airline credit cards ( XXXX XXXX XXXX XXXX XXXX, Citi XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Visa ) offer free baggage checking to the primary card holder and accompanying passengers. But this benefit does not apply to non-primary cardholders flying alone, though they do possess their own co-branded card with their own name and a linked account number. On at least 2 occasions, my spouse, when traveling alone, was denied free baggage checking, even though she had the appropriate co-branded airline card. this is blatant discrimination against the 'little woman traveling without hubby '. These credit cards issued to by the non-primary cardholder are valid for any purchase around the world but can not be used for the benefit of free baggage checking when the non-primary card holder travels alone on the appropriate airlines. The fees for baggage checking seem to start at {$25.00} or more for each trip and would be even more with minor children traveling often with a woman not accompanied by her husband. I think all such fees should be disallowed and refunded to all spousal passengers who have had to pay for what would have been free if 'hubby ' had also been traveling. I blame both the financial institutions issuing the credit cards and the airlines for coming up with these restrictions. The fact that these restrictions are vaguely mentioned ( " all passengers traveling with you '' ) in the information sent with the credit cards does not make it fair or reasonable. Thank you for your attention to this matter. And I hope the CFPB manages to survive intact despite the desires of those who are so offended by a government agency protecting citizens who are victimized in financial matters.

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 2017-02-27 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
My credit card issuer, XXXX, assessed my account with late payment fees of {$25.00} on XX/XX/XXXX, {$35.00} on XX/XX/XXXX and {$35.00} on XX/XX/XXXX which were all a direct result of XXXX 's payment system being unavailable to access requests from XXXX and their Customer Care Agents providing incorrect payment processing information. In speaking with their Internet technical support services staff 3 days prior to the initial fee assessment they informed me that they were not able to provide an alternative and advised me to contact the XXXX 's Customer Service telephone line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. In following up with a phone call to an Account Manger on XX/XX/XXXX I attempted to dispute the prior assessed late fee and also requested to have my current payment due processed by phone and also have future payments automatically drawn from my checking account - none of which was done properly. 

In following up with the account management team on XX/XX/XXXX I learned that the likely reason for the miscommunication was that the support services staff, which was recently outsourced, was not familiar with the newly implemented procedures. 

I 've been a customer for approximately 15 years and only within the last 12 months have I encountered repeated billing and payment issues but early on I was able to reach an " on-shore '' representative which took the time to research my issues, provide guidance and prompt service. Unfortunately, and as of late, there is no follow up from any of the account managers nor responses to letters or phone calls.

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 2015-07-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX has been calling the home of my mother, XXXX, for some time. My mother who is an older XXXX woman has told them that I no longer live there. XXXX XXXX separate occasions, XXXX was XXXX/XXXX/15 and another time, on XXXX/XXXX/15, they ( the company ) has proceeded to harass my mother and ask her who will pay this money to them. They have also told her in detail what my debt is. I asked my mother what she told them and she has said that I do n't live with her. She did not inquire about how much I owe but was told my personal information anyway. I believe this practice is very unprofessional, unethical and against the law. I am very disturbed by this situation, as my mother being XXXX and now diagnosed with XXXX does not need the stress of knowing my financial situation. I am requesting that XXXX XXXX system cease calling my mother 's home where I do not reside.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I initially file the dispute 6 months ago when I initially file the dispute I provided supporting documentation I provided things like a XXXX tracking number showing when the package was returned back to the merchant showing the proper weight, ect. About two months later the temporary credit that was issued was reversed the bank asking for proof that I return the merchandise keeping in mind two months earlier I already gave them all of this information clearly they did n't look through it when I brought that to their attention they reissued the credit and started the dispute process all over again then I received a letter telling me that they are still working with the merchant attempting to get a permanent credit then a few weeks after that once again I get another letter where I 'm told that I 'm being charged again but temporary credit is being reversed and it goes on to say that I filed a false dispute I am absolutely clueless what you 're talking about in the information you sent me with this letter all it is is my order confirmation I 'm not disputing the fact that I placed an order with the company I 'm disputing the fact that I return the defective product well within their 30 day return policy its not like XXXX is just making this information up they weigh the package multiple times throughout the transit back to the company we can see where it was delivered By the way I used the companies shipping label that they asked me to use so again it 's not like everyone does not already have the return shipping info.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CitiXXXX XXXX Master Card/XXXX charged me a {$39.00} over-limit fee for being {$79.00} over the limit. 
I am a 20 year card holder and I called to ask it removed. I was told they would not. 
I asked to have a block put on the card so it would not happen again. 
They said they would not - it was my problem to watch my spending.

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 2017-04-03 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: ASTA FUNDING INC.
State: CA

Complaint narrative:
I first like to refer to case number : XXXX and Related Case Number : XXXX Wherein Palisades Collection LLC responded to my initial complaint filed through CFPB in XX/XX/XXXX by stating the following : " In the spirit of goodwill, Palisades Collection , L.L.C. will close the account as well and no further contact or collection efforts will be made. The account will not be sold. '' However, today XX/XX/XXXX I received two new collection notices from Palisades Collection, LLC one for {$2500.00} and another {$6800.00}. 

Palisades Collections LLC, knows full well that 1 ) this debt is not associated to me personally, is 2 ) long past the statute of limitations for collections, have 3 ) been notified already by my attorney in XX/XX/XXXX to cease and desist ALL communications and debt collections from me, and 4 ) the above quote from the most recent complaint filed in XX/XX/XXXX - wherein they promise categorically to cease and desist attempting collection. 

Therefore, I intend to file a mail fraud complaint against Palisades Collection, LLC for attempting to collect on a debt that they have already acknowledged is neither mine, nor collectible, and for which they have agreed in writing to " close the account as well and no further contact or collection efforts will be made. The account will not be sold. '' If I do not receive a satisfactory response from them through your offices to fully and forever cease and desist from attempting to communicate ( or to sell this bogus debt ) for collection, I intend to file with the State District Attorney in California and further to file charges with Federal authorities for Mail Fraud ( 18 U.S.C. Section 1341 ). 

Thank you in advance for contacting them again for something that was supposed to have been resolved four years ago. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I have a home depot credit card. I ordered a Gazeebo for {$340.00} online that was supposed to be shipped to the store. This was the only charge on my card. I received my statement about 2 weeks later and no product. I called the local home depot in XXXX XXXX NH and they could not find it and I was put on hold for over 20 minutes. I then decided to call the customer service number on my credit card statement. I called and the gentleman offered to call the local store as they showed it as being delivered to that store. I waited the line for 10 minutes and when he came back on he said that he got hung up on and would refund me the {$340.00} and take XXXX percent off the new gazebo along with free shipping to my home. I asked him if I needed to worry about that payment and he said no. I decided to pay my credit card early today and found out I was charged {$25.00} for not making the minimum payment required on my last statement. When the customer service rep refunded me the {$340.00} my balance was XXXX. Why would I make a payment towards a XXXX balance. The manager said because I have other charges on this account. Those charges would be reflected on my new statement but I have not even received that yet. I have no idea what those charges are even made up of without a statement. I want my late fee back and an apology letter. My credit is very good and this is fraudulent to say the least.

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 2016-11-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I disputed a charge on my XXXX by calling the bank. At the end of the call they told me to follow up with a written letter which I did within the required timeframe. I followed up with a second written letter to the bank when no action was taken on my claim. Now the bank tells me they can not help me with the dispute as I never followed up with a written notice. I sent the bank copies of my written correspondence regarding the claim, but they still failed to help me. 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 2016-01-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was paying out a credit card with a balance of {$580.00}. It suddenly had an increase of & gt ; {$200.00}. I told them it was incorrect, but they refused to listen. This is a Best Buy credit card issued by Citibank , N.A . They are now calling my work about 10 times a day. The front office worker is getting very upset. Everyone has told them to stop calling, but they wo n't. This is serious harrassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a Home Depot credit card through XXXX, and I have opted for online statements. I have a balance on it, and I have an overdue payment. The payment of {$55.00} was due XXXX XXXX, so I am two weeks late. On XXXX XXXX I went online to schedule a payment. The online statement showed {$130.00} due on XXXX XXXX. The amount of {$130.00} includes the XXXX payment, a late fee and the XXXX payment. I scheduled a payment of {$130.00} for XXXX XXXX. On XXXX XXXX Home Depot blocked my online access and shut off my credit card. I had no notice of this action until I attempted to use the card to purchase supplies. The store was unable to access my account, and I am no longer able to access my account online. The cashier called the credit line and I spoke at length to the Credit Dept representative. I have additional credit available on my XXXX credit card, and I have a payment scheduled in 3 days for the past due and the current amount. But I ca n't access my card online, and I ca n't use the credit that 's supposed to be available to me. I told them this is an unreasonable policy because 1. the statement merely says that the past due and current payment are due on XXXX XXXX, and 2. they already charged me a late fee on that statement. The statement gives no information about shutting off access to credit. I 'm trying to run a business and need these supplies immediately for a major event in two days. Is this policy legal?

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 2015-07-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently check my credit report on XXXX and came to learn the there is a credit card listed on my report. It was supposedly opened in 1998 when I was XXXX years old. It has a credit limit of $ XXXX and a balance of a little more then $ XXXX currently. I did n't open this account and neither did any of my family members. It is listed as an account at Citi Bank. However when I spoke to CitiBank 's credit card department and gave them my social they said the account did n't come up. So somehow it is listed as my credit card but is n't listed under my social security number. And the weirdest part is someone other then myself is making monthly payments. Someone is paying the card minimum of around {$300.00} and something dollars a month. This is really hurting my credit and I do n't Know how to resolve this issue. Please Help! Thank you for your time. Have a great day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a home equity line of credit application with my bank, Citibank in XXXX XXXX and was initially offered a conditional HELOC of {$450000.00} ( in writing ). I was continually denied credit and after working with multiple higher levels within the organization and months of providing all data requested, on XXXX XXXX, they declined to offer me even as much as {$1.00} credit and I decided to file this complaint. 

With .... 
-Over 24 years of continuous banking relationship with Citibank -Status as a Citgold client ( their premium customer level ) -Over $ 100XXXX in deposits in my Citibank accounts consistently since XXXX ( including right now ) -Two previous home equity lines of credit with Citibank -A credit score of XXXX, the highest the loan officer had personally ever seen -Over $ 1XXXX in home equity in my XXXX homes -Over 80 % value equity in the home Citi would be issuing the line of credit against XXXX jobs from XXXX and my own consulting business -Already XXXX scheduled classes at XXXX XXXX XXXX ( at top XXXX public University in the world ) confirmed -A pending job as a XXXX XXXX XXXX as per the XXXX of the University with an anticipated annual salary of {$90000.00} -Over {$30000.00} annually in rental income profit ( $ XXXX gross ) from my XXXX XXXX XXXX car garage home that has a signed annual lease that Citi has a copy of at their request ( that has a loan/value ration of XXXX ) -A {$120000.00} annual consulting contract with my largest client that Citi has a copy of at their request -A statement from my XXXX CPA stating my anticipated income for XXXX to be at or over $ 120XXXX that Citi has a copy of at their request -Copies of my personal and company tax returns for the past 4 years that Citi has a copy of at their request. 
XXXX prior conditional approvals from Citibank for a home equity line of credit of $ XXXX and $ XXXX -My prompt and highly detailed/documented submissions of everything Citibank has asked for since starting this home equity line of credit application in XXXX, XXXX ( 5 months ago ) ... yet, I was still denied a Home Equity line of credit approval. 

The idea that my bank of over 24 years wo n't lend me even {$1.00} with this stellar and almost model loan applicant status is shocking, so I am asking the CFPB to intervene in the process with Citibank to review and overcome any approval issue. 

Thank you so much for your assistance.

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 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
The borrower, Ms. XXXX received a notice on XXXX of a Trustee Sale scheduled on XXXX. Mr. XXXX contacted the lender on XXXX to request Mortgage Assistance. She was informed by a representative that the lender, Nationstar Mortgage LLC would not allow her to pursue a short sale because they needed 37 days prior to the Sale date to consider any mortgage assistance options. Consequently, the borrower asked the representative why she was n't provided with the notice at least 37 days prior to the Sale date so that she would have had enough time to request mortgage assistance. The representative stated that such notice was something that they were not required to do and that the Sale date will go through as scheduled. However, pursuant to XXXX XXXX of the California XXXX XXXX, " The sale date shown on this notice of sale XXXX be postponed XXXX or more times by the mortgagee, beneficiary, trustee, or a court. '' Furthermore, pursuant to XXXX " At least 20 days before the date of sale, deposit or cause to be deposited in the United States mail an envelope, sent by registered or certified mail with postage prepaid, containing a copy of the notice of the time and place of sale, addressed to each person whose name and address are set forth in a duly recorded request therefor, directed to the address designated in the request and to each trustor or mortgagor at his or her last known address if different than the address specified in the deed of trust or mortgage with power of sale. '' Ms. XXXX did not receive such notice via Registered or Certified Mail and thus the Lender did not provide proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Credit Card ( Costco Card ) Changed my statement close date with no notification or approval. They then proceed to charge me late and interest fees along with not deducting a {$4100.00} payment but instead adding it on top of my new balance, which comes to {$7700.00}. They provided no explanation for why this happened. This is clear Fraud. Fraudulent charges ex. late fee, interest fee, {$4100.00} all ready paid. If I tried to take upwards of {$4000.00} i would be arrested. XXXX ( Customer Service Manager ) XXXX was who I spoke with after demanding to speak to a manager and before he transferred me to

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