vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
We contacted CitiMortgage to get a payoff balance and to dispute late fees from XXXX XXXX Mortgage who was the original holder of our mortgage. We had a loan with XXXX XXXX Mortgage and the loan was purchased by CitiMortage. XXXX XXXX Mortgage no longer exists. We are disputing late fees charged by the XXXX XXXX for payments that they received before the XXXX of the month. We asked CitiMortgage for an itemizing of {$2600.00} in late fees ( XXXX from CitiMortgage and all others from XXXX XXXX Mortgage ) to show that we owed these fees to XXXX XXXX Mortgage. We received the documentation but did not understand how to read the report. We called and sent XXXX faxes to CitiMortgage asking for an explanation of the late fees. The company kept sending us an explanation of a temporary optional product payment. Finally after months of trying to receive an explanation, a supervisor, decided to listen to our complaint concerning the information we received from CitiMortgage. After explaining the reports and looking at the dates of the payments, the supervisor understood why we were disputing the late fee charges and submitted the documentation for someone to look because of the dispute of the payment dates. The company is now asking for our credit report for these years during the time the XXXX had the mortgage. The credit report will not prove anything because XXXX XXXX charged us for being late which its records bear out, therefore the company also reported the payments as being late on our credit report. The husband does not have the orginal documentation from XXXX XXXX but told the CITIMORTGAE that his payment booklet had a date for the amount due prior to the XXXX of the month and an amount due after the XXXX of the month. We owe possibly XXXX payments and have been at this process for over a year. My husband is retiring and we have been trying to pay off this debt but CitiMortgage keeps refusing to address the issue of our disputing the charges from the other company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was offered a buy out of my XXXX pension last summer. After comparing the numbers they had offered I decided NOT to participate in the buyout and keep my pension. When I called the number provided I was informed that unless I request a check in writing no changes would be made to my account. No such request was made. 
In XXXX I received a notice that a check for XXXX was deposited on my behave to CITIBANK and an IRA was setup earning almost no interest. I have since contacted those XXXX times to transfer the funds to XXXX XXXX XXXX XXXX which is the bank where I do most of my retirement accounts. The first time I needed to submit forms after which they said they would transfer the funds. I have made XXXX attempts after that to have the funds transferred. Each time saying all the steps were complete and the funds would be dispersed in seven to ten working days. They also suggested I could go to a local branch and get the check directly knowing I was in XXXX XXXX. The company has no branches in Texas or even XXXX. 

First and foremost I would like a reinstatement of my pension. If this is impossible then an immediate transfer of funds to XXXX XXXX XXXX XXXX on my behave would be an appropriate action. 

Thank You, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-09 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Last year, I applied for the citi at & t access more card credit on the citibank 's website and got approved. On either their website or the card agreement I received, it is clearly stated that I will earn a annual bonus of XXXX thank you points if I spend XXXX dollars in the previous year. On XXXX XXXX, I called to check in how I am progressing in getting the benefit and when my next reward period starts, the representative told me, she told me she saw this as a one year promotion ending in XXXX and said that this is just a one year thing and would not happen again in the next year. 
I asked to speak to a supervisor to check in what has happened because the representative said that she could not tell me more, while being totally shocked about this. I stayed on the line with her for about one and half hour to get transferred but she told me that the supervisors became to be unavailable from available because they were taking calls from the new costco cards customers. Afterwards, I contacted the customer service through online chat, and I got the same answer ( conversation enclosed ). I was so disappointed that they made such a discrimination here and about the way they lied in their marketing materials. I am considering this to be a fraud. I spent two and a half hour on this but am still not clear what is happening. 
If it does not get resolved soon, I will probably take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In a nutshell, Citibank Mastercard has charged me {$100.00} in late fees for an XXXX cent underpayment. In essence, my minimum payment was {$60.00} and was being automatically paid each month by my bank through their automated bill payment service. This was all working out until Citibank increased my minimum to {$60.00}, which I was n't made aware of because I moved and did n't receive my bill and did n't know for 3 months that my minimum payment increased by XXXX cents until today when a representative called me to inform me that as a result of this XXXX cent underpayment, I had accrued {$100.00} in late fees. I asked her to waive the fees since it seemed ridiculous to charge me {$100.00} for an XXXX cent discrepancy, which I was not made aware of due to the fact I moved and did n't get the bills. This rep informed me that she could n't waive the fee and transferred me to another dept who could n't help me either and then eventually, I was transferred to a supervisor named XXXX. XXXX was rude and not willing to help at all. She refused to waive the fee even though {$100.00} is an excessive amount to charge for an XXXX cent discrepancy, especially for a customer who is never late with her payments and who never received the bill or any notification ( until today ) that my minimum payment increased by XXXX cents. XXXX informed me there were XXXX lates fees charged, the first late fee they charged me was {$27.00}, the next was {$37.00} late fee and the next was another {$37.00} late fee all due to an XXXX cent discrepancy with the automatic payment being issued with my bank. Again, it 's not as though I was n't making a payment, it was that my payment was XXXX cents short and believe me if I had known, I 'd have my bank issue XXXX instead of XXXX. XXXX cents is not going to make or break me but being charged {$100.00} in late fee charges is criminal in comparison to this XXXX cent oversight. Thus I am humbly requesting help from you to have this company waive their ridiculous {$100.00} in late fees over XXXX cents, because I believe their bank practices are unfair, unethical and outlandishly criminal. Also, the Citibank supervisor XXXX refused to waive any of the fees despite the fact the bills were sent to the wrong address and refused to provide me with the name or address of their complaint department. I am sick with this company and cancelled my card as a result.

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 — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
XXXX hired Financial Asset Management Systems ( " FAMS '' ) to collect on a student loan. Under Consumer Financial Protection Bureau ( " CFPB '' ) complaint number XXXX, FAMS stated that they did not contact me after XXXX XXXX, 2015, which was a flagrant lie and a flagrant violation of the Fair Debt ColIections Practices Act. I have attached a letter from FAMS where they confirmed they tried to call me on XXXX XXXX, 2015, even though they had received a written cease and desist letter from me in XXXX 2015 and another one in XXXX 2015. Both of which were logged in the CFPB complaint system and were in writing. In addition, FAMS again lied under complaint number XXXX, where they stated they had n't contacted me after XXXX 2015, which was another lie, as I have the phone records of FAMS calling me on XXXX XXXX, 2015, in addition to FAMS ' own written confirmation that they contacted me on XXXX XXXX, 2015. FAMS is engaging in deceptive debt collection practices, and their frequent misrepresentations are flagrant violations of the Fair Debt Collections Practices Act. In addition, their contact and their harassment after I had sent them written cease and desist letters has caused me severe emotional distress and health related issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a Home Depot credit card for which is being issued by Citibank N.A . for which I am disputing the balance of {$100.00}. For many months I am getting statements that I owe money for a credit card for which I had but is closed now for which I called Citi Bank last year several times disputing the interest charge that started out to be about {$7.00} or so and every month I was getting charged interest and late fees. No matter how many times I tried to dispute this balance I was not able to resolve the issue. Some time last year I participated in survey for which I gave negative feed back for which Citibank was not happy being I then received an email of which had incomplete information. I responded back and received another email. I called the representative several times left messages being I was not able to reach her. I finally received a call back from another representative whom I could not talk being I was busy trying to take care of something serious. when I tried to call back unfortunately, I had misplaced my documents with the telephone numbers and the names of the representatives. In XX/XX/2016 I left for XXXX due to a family emergency and while there I received two telephone calls from Citi Bank for which I missed but called them back after the second call. I attempted one last time to resolve the billing dispute but unfortunately the representative refused to resolve the problem. I spent about 15 minutes or so on the phone for which my cell phone carrier had charged me for those calls and they were not cheap calls. Recently, I pulled my credit reports for which had negative reporting from Citi Bank for not paying the balance that started at {$7.00} and now has reached {$100.00} being today I received a collection letter from XXXX XXXX XXXX demanding this balance. I am sorry but I will not pay Citi Bank not one dime being they have refused repeatedly to resolve this problem months ago. Had they resolved this matter months ago I would not now have to file a complaint against Citi Bank who is ignoring me and my complaints. They have destroyed my credit of which is really uncalled for. I expect them to remove all the negative reportings and wipe out this balance. If Citi Bank does not resolve this matter immediately I will then have no choice but to take legal action against them of which is going to cost extensive legal fees. I am really upset and frustrated that Citibank destroyed my credit after I have been working very hard to keep it in great standing. Please investigate my complain. Please feel free to contact me if you have any questions in regards to this matter. Thank you Ms 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 monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have the Citi Thank You Premier card and wanted to transfer some Thank You points to XXXX. When calling, their agent asked for my XXXX member number as well as my password. 

I refused to do so as this would mean the agent would be able to access my XXXX account online. After complaining about this to Citi, the reply from one of their Security Specialists was " in regards to your XXXX ID and password, we are able to ask for that information over the phone at this time. '' Although he confirmed that he 'd be escalating the matter further, it 's deeply concerning that their policy is to ask for a customer 's username and password to an account over the phone.

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 2016-05-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife and I filed a Complaint with Macys Credit Card ( Case number : XXXX ) which was successfully resolved ; however, now it has come to our attention that Macys has taken action against my wife and I and have closed our Credit Card account without warning and without justifiable cause and this has caused us great harm in terms of our availabile credit and credit reporting ; therefore, we want to know why Macy 's has taken this action against us due to our original complaint the reason for closing our account when our original complaint did not mention anything of requesting to close out our account and just to give us back our money owed.

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 2016-12-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Macy 's cards were stolen. I was successful in getting the fraudulent purchases removed from my credit reports. The company opened XXXX new cards for me. 
Recently, in retaliation they closed XXXX of my new cards. A customer rep maintained that I requested this action. I did not initiate anything resembling this. 
My payment records are perfect, and the retail staff was not authorized to close this new card. They were expected to send me a new replacement card, which they never did. 
This is an act of discrimination.

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 2017-03-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I 'm not able to use my Macy 's Amex credit card. After each purchase my credit card gets blocked and there is no way to verify my identity online or by calling. It 's been over 2 weeks since I 'm unable to use it. CSR are telling me I should receive " something '' in mail, but my mailbox is empty!

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 2015-08-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
After having been a victim of ID theft, Home Depot Credit ( CITI ) closed my account without authorization, and after reading terms and condtions this is not a disclosed action that they commited. I have been a longstanding client with perfect pay history for over XXXX years. the issue is that this is not something that their terms and conditions disclose can be done, and therefor i would like my account reopened

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received attached letter, dated XXXX XXXX 2015, from Citibank. 

XXXX XXXX stated in the XXXX paragraph of her letter, dated XXXX XXXX 2015, that " Because payments to government agencies are commonly made by check ( e.g. for payment of taxes ), we recommend that you schedule your payments with this in mind as Citibank is not responsible for any fees you may incur as a result of late delivery of a check through the postal system. " This statement implies that Citibank can make a check payment to the IRS. 

However, this is INCORRECT. 

I tried to set up the IRS for a check payment using Citibank 's BillPay, but was unable to do so. See Payee Details attachment. 

XXXX XXXX further states in the XXXX paragraph of her letter, dated XXXX XXXX 2015, that Citibank found no record of receiving my letter requesting a copy of the user agreement. I sent this letter using a Citibank postage paid envelope addressed to Citibank Client Services, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Please explain why this letter was never received. 

Thank you very much for your assistance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: FL

Complaint narrative:
they called XXXX times in 1 day, each time I answered I was put on hold and the machine hung me up. The XXXX time I made payment arrangement to mail/pay {$20.00} per month and she said that would be fine. The next day they called again and said they had not record of this arrangement. I was so angry that this is going to continue with these harassing phone calls daily. I intend to pay this bill and I do not want daily calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
When we purchased a large-format, curved-screen TV at Best Buy, we were offered an extended warranty. We declined. Some days later, we received a call from the extended-warranty people, asking if we had made a mistake, warning that we should buy the warranty. 

I was tired, and rather frightened and intimidated by the caller. I submitted, and bought the extended warranty. Afterwards, I came to my senses, and realized that the one-year warranty, which came with the purchase, was sufficient. We did not need or want the extended warranty. 

I called to decline the warranty, and request a pro-rated refund. The person said that it may take " XXXX or XXXX billing cycles. '' This credit company ( Synchrony ) is not alone. 

This customary delay seems to me an obvious ploy by credit-card companies. They could make refunds immediately, or nearly so, if they wanted. At most, they might require XXXX or two business days, not XXXX or XXXX billing cycles. 

Just as they are able to charge consumers immediately, or nearly so, they could refund their money, if they wanted to play fairly, by the same rules, as with consumers. 

I hope the Consumer Protection Bureau might be able to intervene, and protect consumers from this predatory abuse, and common practice, of credit-card companies. Thank you. 

XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Many things but the most recent is after being denied a modification for many reasons and 4 years of being abused and tortured I finally received one in XXXX 2014. I was given a XXXX/XXXX arm. I had numerous questions about the documents but was told if I do n't sign them like it 's written they would take my home. After over 1 1/2 years of making modification payments I receive a statement in XX/XX/XXXX that that said I owed back escrow and my payment will go up almost {$300.00} which is now more than I was paying before the modification. I have not paid the extra money because I think what they 've done once again is illegal. But they are now charging interest on the amount I 'm not paying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-26 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX called my ex husband and revealed that she was trying to reach me about a debt collection. I believe this practice is illegal. My private financial information should not be disclosed to others. especially my ex husband. He is the reason I am in debt. I have been in protracted legal battle over a financial settlement, and he is a lawyer. He has used the system to drag this out and forced me in debt in an effort to make me accept a bad settlement. You have not helped by disclosing this to him. Companies should not call other people in an effort to collect debt. By telling him who she worked for she was telling him I am in collections for debt. This type of tactics should be stopped! 
Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 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: FIDELITY CAPITAL HOLDINGS, INC
State: WA

Complaint narrative:
Old landlord is attempting to collect a debt from 2014 for missed rent. After moving out, all deposit money was returned. Landlord took us to small claims court. Judge gave a judgement and the judgement was paid for. Landlord continues to attempt to collect a false debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation