vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Homeowner 's loan was HAMP modified in XXXX XXXX resulting in a payment of {$750.00}. In XXXX XXXX an escrow analysis was performed resulting in a further reduction of his payment to {$420.00}. HO has been diligently paying his mortgage payment. HO has a primary residence ( tax lot XXXX ) and a rental home ( tax lot XXXX ) on his property ). In XXXX XXXX he discovered that lender had been paying the taxes on XXXX but not XXXX ( both are secured under the mortgage ). He had a {$7000.00} delinquency on XXXX that he had been making payments on. When lender discovered their error in calculation, they paid the $ XXXX plus added one year and a two month cushion for escrow, resulting in an escrow shortage of {$12000.00} and growing. Lender did not notify HO of this shortage and HO continued to make his {$420.00} payments, resulting in a negative equity situation. Lender recalculated the payment necessary ( after amortizing the shortage over 60 months ), resulting in a payment owing each month of {$980.00} creating a financial hardship for HO. Moreover, lender has yet to notify HO of this change and available options, allowing the balance to grow.

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 2016-09-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This letter is regarding XXXX Citi Cards Card XXXX : XXXX Card XXXX : XXXX A charge was report mistakenly as Fraud on XXXX/XXXX/XXXX. This charge paid a vendor called XXXX *XXXX under Card XXXX on XXXX XXXX, XXXX for {$1200.00} Citi Bank cancelled/closed Card XXXX and Issued Card XXXX. 

During the cancelation/closing period of Card XXXX, the vendor XXXX did returned the charges to Card XXXX for a credit of ( XXXX ) Attached please see the Transaction ID XXXX from XXXX on XXXX/XXXX/XXXX. This is confirmation that XXXX did refund Citi bank for the charge dated on XXXX XXXX, XXXX for {$1200.00} As soon as I received Card XXXX, I had to pay for the services of XXXX for {$1200.00} This took place on XXXX/XXXX/XXXX Payment to Citi Bank was issue under the following for the charges of Card XXXX for {$1.00} charges made on XXXX/XXXX/XXXX : XXXX/XXXX/XXXX {$500.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$220.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$500.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$500.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of {$1200.00} Why is Citi Bank not acknowledging the credit issued to them on XX/XX/XXXX.Transaction ID XXXX from XXXX ? 

Why am I being charge twice? 

Do I need legal counsel to correct a mistake Citi Bank has made on my credit? 

Did Citi Bank provided XXXX payment to XXXX. Why? or you ca n't find the returned from the vendor. Where was this credit posted to. 

Is this a case of XXXX? XXXX Florida XXXX XXXX that helps XXXX people with company as such Citi Bank. 

Do I need to report Citi Bank to the XXXX? 

Govern yourself accordingly and do your duties in locating Transaction ID XXXX from XXXX returning ( XXXX ). 

Thank you, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 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 2016-10-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The Hotel had posted a charge on my credit card when the hotel stay was prepaid by a travel company used to book the hotel. The Hotel could n't locate the charge to refund and the travel agency recommended disputing the charge to refund the money. I disputed the charge with the credit card, receive a notice that I could supply additional information or a routine investigation would be completed. A month later, the dispute was rejected and I called the credit company and asked why. The credit card company representative told me the routine investigation consisted of essentially of doing NOTHING. It seems like the ENTIRE work on disputing the charge is on my end. I will be filing out the paperwork to send but I am extremely disappointed in the deceptive described service of " investigation '' which amounted to doing nothing. I think it is unfair for the typical consumer, especially for a straightforward case like this where the vendor does n't even deny the dispute, to expect a REASONABLE investigation to be performed when in fact, basically NO investigation was actually performed. Advertising to do an investigation and actually doing nothing and then asking the consumer to do XXXX the work is false advertising.

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 2015-11-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
The company made a misleading offer about opening a credit card account as registered in complaint ID # XXXX provided the following dispute/resolution : Citi ( R ) / XXXX ( R ) Account ending in XXXX XXXX XXXX : Thank you for speaking with me about your inquiry that was submitted to the Consumer Financial Protection Bureau regarding the promotional offer related to the above-referenced account. 

I regret any misunderstanding that occurred related to the promotional offer associated with your account. The offer is to earn XXXX bonus XXXX ( XXXX ) miles after spending {$3000.00} in purchases within the first three months. You may then redeem the miles for XXXX round-trip tickets with XXXX XXXX. 

I appreciate the opportunity to respond to your concerns. 

Sincerely, XXXX XXXX Response XXXX REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE*Our telecommunication number for our hearing impaired customers is XXXX. 

XXXX, XXXX and XXXX XXXX are marks of XXXX XXXX, XXXX. 

XXXX XXXX reserves the right to change the XXXX ( R ) program and its terms and conditions at any time without notice, and to end the XXXX ( R ) program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, XXXX miles earned through this promotion/offer do not count towards elite-status qualification of XXXX status. XXXX XXXX is not responsible for products or services offered by other participating companies. For complete details about the XXXX ( R ) program, visit XXXX. 

-- -- -- -Despite this explanation I did spend over {$3000.00} in purchases on the card and still have not received the XXXX bonus miles. It is especially clear now that this company has committed consumer fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-03 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have been a customer of CitiCard MasterCard since XXXX. I have always paid my bill each month in full. My XXXX bill was due on XXXX XXXX, 2016. They received my payment on XXXX XXXX. When I received my statement in the mail today, I noticed that they have charged me {$23.00} interest. I immediately called them and asked them why they charged me this amount when the payment was received before the due date. The lady connected with me with a foreign gentleman. I explained the situation to him. My daughter explained the situation to him. He refused to take this amount off of my bill. How can a company charge you interest like this? Are they putting these charges on people 's accounts thinking that they will not notice it and pay it? I believe that is unethicial and not right! They need to be reported and held accountable for doing business in this matter!

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 2016-07-15 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
I had payment agreement with a medical provider to pay bill at {$25.00} every other week which I started immediately. Provider then sent account to collection in spite of agreement and then stated they are no longer collecting the item. I have attached several docs showing that I made a {$25.00} payment and then a bill after that from the medical provider showing they transferred the account to collection company as a bad debt write off in the amount of {$750.00} despite the fact that I was making payments as agreed. The collection company, Consumer Collections Management Inc. then sent me a letter stating they are collecting the debt and the amount went up {$150.00} for a collection fee, of which they can not validate that I EVER agreed to this with the original provider. This is a clear FDCPA violation. Also, they sent me the letter saying I had 30 days to dispute the collection in XX/XX/XXXX ( also document attached ) to which I responded in writing by certified mail right away and far before the alloted 30 days. ( I have attached the proof ), however they reported it on credit immediately and despite my letter, ignoring the law. Also they did NOT respond in 30 days or less after I asked to prove or validate the debt. Consumer Collections did NOT validate the debt or that I owe them as requested. When I called today and spoke with XXXX XXXX and told her that they need to send the validation that they can charge a collection fee or I they were in violation of FDCPA, I was transfered to the supervisor who refused to give her name and then she said she would send something in writing but the collection charges still stand and then hung up on me claiming I was being rude, which I was not and have a recorded call to prove it. This company is clearly operating by collecting debts using illegal tactics and ploys all while charging illegal fees for collecting debts without the legal ability or agreement by consumer to pay the fees with orginal creditor/provider. Luckily, I know my rights. I have sent payment to the medical provider for the {$750.00} dollars to satisfy the debt in full. I do NOT owe the collection company and insist that they remove the collection immediately from my credit and NEVER contact me again. Please help enforce this and advocate my rights and protect and honest consumer or I will hire and pursue legal relief and remedy to the fullest extent of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I signed up for a Macy 's credit card. I made a purchase in the store without my card for approx {$67.00}. I never received this card. I made the full payment of {$67.00}. I received a bill for late fees. I called and emailed them about this. I am now getting a vill of almost {$300.00} for late fees on an item I paid for in full. 
I still have not gotten a credit card. 
My daughter is having the same problem with Macy 's.

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 2017-01-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
This person, XXXX XXXX XXXX, is using my address to apply for XXXX XXXX Credit Card and Costco Anywhere Visa Card by City. It 's the fourth time that is happening.

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 2016-11-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I had a open account on my credit report for " Citi CBNA '' and it says it is still open and the credit limit is {$2000.00} and in good standing but I do not ever remember applying for this credit line!

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 2016-06-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I opened a CitiGold checking account on XXXX/XXXX/16 with Citibank Financial services through a promotion that offered XXXX XXXX XXXX Miles for making {$1000.00} worth of purchases on my debit card and a bill payment. I received confirmation of the promotion after opening the account. The requirements were met well within the requested time frame and I contacted Citibank customer service regarding the bonus miles. After receiving no answer from them regarding the issue a month later they responding stating I did not open the account through a promotion. I would have never opened this account without a promotion.

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 2015-08-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Shell credit card informs me that I have an unpaid charge from XXXX XXXX 2015 on XXXX XXXX of 2015. Talked to a XXXX in Tennessee at XXXX Mountain time on XXXX XXXX, told me that there was no record of this charge. I thought that it was a scam and put it aside for the time being. Received XXXX bill and had a charge on it for {$30.00} ( XXXX XXXX, 2015 ). Called Shell and asked that this charge be disputed and asked that they send me proof of this charge. Shell agreed. Tried to use card on the XXXX of XXXX and was denied. Called Shell the XXXX of XXXX and was told since I did not pay my bill on the XXXX of XXXX that card could not be used. Essentially denying me use of the card because of a charge that was, what I thought, in dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX I had a online email stating my credit card account was showing on " Notice of suspended Online Bill Payment service '' so I called citi bank customer service immediately after receiving the email, spoke to XXXX XXXX same day & she explained that a payment showed returned, because the account was not found, it then made me realize perhaps it was an old inactive account still showing in history, so I said ok, it was probably an error that account was used, and she agreed too and waived return fee, also I paid through the phone with XXXX, so we could restore the account in good positive status. Next day found out my account had been closed, I called customer service again mentioned only the night before spoke to XXXX XXXX, she did n't tell me anything about the account being closed or going to that status, and infact saw everything fine from her end. I was advised today that in order to open the account they need to do another credit inquiry, I do n't feel this is fair at all given I made all and any attempts to resolve as per the direction of Citi banks email to contact customer service. I resolved things from my end, paid the balances owed from my debit card on the phone and still the account went to closed. I am worried this will affect my credit score, as they will now report the account closed, and also worried that by re-opening the account they need to do another credit inquiry which is not necessary. They are saying to me there is no other way, but asked me to write to the president of citi bank for him to review my request, I will send the letter XXXX in the mail but need help also from an agency like your 's to please review my case, this is not the right way for credit card companies to take advantage of customers. I did everything in my power to call the customer service and resolve things from my end immediately, they should n't have closed my account when I made a payment through customer service that went through just the night before. This has put a very concerning view on Citi Bank 's practices especially since I have been with them for 4 years and currently even have another credit card with them in good standing and active status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I purchased a bed under a promotion from Macy 's using my Macy 's card in XXXX of 2014. The promotion was 1 year no interest if paid before year was up. I set up to receive bills through XXXX Bill Pay online and pay {$75.00} a month in response to bill received. {$75.00} was the amount of the bed divided by XXXX to be sure it was paid by the end of the promotion. That was not the minimum payment, they do not give you the correct minimum payment to meet the promotion, they give you what they consider a minimum payment. Every month for 11 months I received a bill into XXXX and a payment of {$75.00} was initiated, except for XXXX 's bill. It was not received, therefore the payment was not automatically initiated and paid as it had been for the past 11 months. So when XXXX 's bill arrives into XXXX, it had a late fee and all of the accrued interest charged. 

I called Macy 's and was given absolutely no help. They said they would do a XXXX time courtesy waive of the late payment since I had a perfect payment history. I was then told that in order to initiate an inquiry they would need me to pay all of the past due, which included the interest. I paid the past due only and told them to get the account to someone that could handle it. I should not have to pay then wait for them to refund my money and I refused to do so. I have yet to hear from Macy 's and I have called as well as sent secure messages through their website. When they asked why I had not made the payment I explained that the bill had been delivered to Quicken for all but the last month of the promotion, ironically I might add, and that was why the payment was not made, it was automatic. 

I have asked everyone I have talked to why I would pay more than the minimum payment every month to meet the promotion but not pay the very last month? No one has a good response, because it makes no sense. 

In my opinion this is a fraudulent way of collecting money from consumers by using their reliance on payment systems. Macy 's knows that I use XXXX and they also are in control of sending the bill monthly. There is no way around this being anything but fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I went to make a payment online and their website had been updated 2 weeks ago now I ca n't access and make my payment online. I called them and they said that since I closed the account a while back that now I ca n't get access to the account online and must mail or pay by phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened a Best Buy credit card in XX/XX/XXXX and was granted a {$500.00} credit limit. I have had the card since that time and I kept my balance at approximately {$200.00}. XX/XX/XXXX I received a letter from Citibank who happens to service the credit card telling me that my credit limit has been lowered to {$250.00} due to information reported to them by my credit bureau. I was recently laid off from a job that I held in XXXX for 5 years in XX/XX/XXXX which is why there are slow pays on my credit bureau. This practice seems almost predatory in the sense that I had my balance at a responsible dollar amount and Citibank felt it necessary to lower my limit which now makes my utilization seem inflated. I do n't want them to increase my limit but why would they decrease it and make this line of credit hinder my already suffering credit score due to my unfortunate circumstance of being laid off from my job!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMS Inc.
State: MI

Complaint narrative:
This was my ex-wifes debt that has been investigated by XXXX, XXXX, and experian and proven as Not My Debt and removed from my credit reports. I have sent this company MANY letters showing my case results and they continue to send me settlement offers monthly that even acknowledge that it 's my ex wife s debt!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX/XXXX/2015, I saw an online promotion from CITI which said XXXX bonus ThankYou Points canbe awarded after {$2000.00} in purchases within XXXX months if a new CITI Preferred Card is opened. Then I followed the link to apply the card and got instant approval after application. Then I spent more than {$2000.00} within XXXX months, and in the XXXX month, guess what, not a single ThankYou point was awarded. I called CITI customer service twice and they just responded that investigation is needed. I also mailed once, and finally on XXXX/XXXX/2015, I received a mail from CITI explaining the reason : " ... this account is not eligible for the offer you mentioned because you have had the same or similar offer on another account that has been either been opened or closed within the last XXXX months ''. What a despot clause! Where did CITI mention a period of XXXX months is needed for a new card to be awarded when I applied the new card? That is also unreasonable, does it mean I could not buy XXXX cars simply because the dealer has to offer promotion discounts for XXXX cars. Why CITI play such a trick in order to keep customers opening new cards and our customers just act like fools to spend money ( sometimes buying extra unneeded stuff ) in order to reach the amount required in XXXX months.

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