vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX of XXXX, I received a ( XXXX ) letter from Internal Revenue Service stating claims of a cancellation of debt for {$4900.00} from Citibank from year XXXX. I have never had a credit card with Citibank. I immediately call Citibank in New York XXXX, the address on the letter. I spoke with XXXX XXXX ; ID # XXXX. This person took my information that identifies me and I was told my information did not match what they had on file. I was told there was no account in my name according to the account number on the XXXX letter. I was instructed by XXXX XXXX to fax a statement refuting the claim and to also fax a copy of the letter I received for IRS. On XXXX XXXX, XXXX ; I faxed a statement and a copy of the letter to XXXX XXXX to ( XXXX ). I requested verification in writing to be sent to me at my address and/or my email address. After two months of no response from Citibank ; I called Citibank again asking for written verification. I was told they would do more research and get back to me. To date, I have not received a response nor a resolution to their claim sent to IRS. The IRS is attempting to collect additional Tax from me because of this claim. I have a right to a copy of the documents related to Citibank claim of Cancellation of debt sent to IRS.

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 2016-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I just found out about the Consent Order vs. XXXX XXXX XXXX , XXXX. They sued me for a ( should have been ) Time-Barred Debt. 

My problems with XXXX XXXX XXXX. 
mirror nearly everything in the Consent Order that they were guilty of. 

I tried to go it alone at first. During the first day I went to court ( XXXX XXXX, 2013 ), they said I had been mailed a " Request for Admissions '' and I had never responded and no response means I said yes to the questions. I do not recall ever getting this, nor does anyone in my household ( and I stated so in court ). 

I receive other peoples mail in my box at least once a month. I can only assume that some of mine may go elsewhere too. 

I hired a lawyer to fight them in court, but we lost due to the " Request for Admissions ''. 

Many of the violations listed in the Consent Order, match up with my experiences with XXXX XXXX XXXX. 

1. Errors in the " Sale File '' including wrong account totals, page from a different account, no account level info. 

2. They did not investigate when I disputed the validity of the debt ( even in writing ) about having never made a payment. 

3. Called my phone at all hours, many times a day. 

4. Referenced legal action before any had begun. 

5. Only had " Request for Admissions '', could not provide any proof. 

6. Trying to collect on a Time-Barred account. 

I am sure there are more in the XXXX page Consent Order, but I think this shows how I was treated. 


I have not paid or said I would pay anything on the account, so I do not need/qualify for that part of the Redress. 

I did have to miss several days of work, hire a lawyer, do tons of research and backtracking to try and prove the SOL had passed, causing much stress ( I obsess ), worry and marital strife. 

I will attempt to attach a timeline of some events and a copy of my lawyer 's motions What I need to know, is how do I go about getting the Judgment dropped, my Credit record cleaned and my Legal fees recouped?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a Macy 's American Express Card. I made a payment on XXXX/XXXX/2016 that was more than the minimum balance due. They applied the payment to the Macy 's Store Account which had a {$0.00} balance. They then proceeded to call me on XXXX/XXXX/2016 at XXXX am from XXXX ( no message ), at XXXX pm from XXXX ( no message ), at XXXX from XXXX ( no message ), and at XXXX from XXXX ( no message ). These are central times. I looked the numbers up and called Macy 's. I was told that when an account is delinquent they can not control how many times a phone number is called.

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 2016-02-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Bloomingdale 's card - I purchased items from Bloomingdale 's online site using my bloomingdale 's card. On XX/XX/XXXX I returned the items ( they were properly received in time ), and called them to confirm receipt. During the call, they asked whether I wanted to receive gift cards or have the credit card account credited. I specifically mentioned that I did not want gift cards, and wanted the credit card account credited. Instead, they sent gift cards. I have been on no less than 7 calls with them since to get this resolved, and each time I have been told it has been resolved ( ie, the gift card cancelled and credit card account credited ). However, after each call I have continued to receive calls from Bloomingdales stating " this is an attempt to collect a debt ''. Now Bloomingdales has notified the credit reporting agencies that my account is delinquent, right as I am in the process of applying for a mortgage. I have spend no less than 10 hours on the phone with Bloomingdales to date trying to resolve what should be a simple issue. 

In addition, I have told Bloomingdales twice that I wish to register a formal complaint, but no one has taken my complaint. Therefore, I am requesting the CFPB to get involved - I need help! Most importantly, I need this removed from my credit report ASAP, so that I can continue my mortgage application process. 

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 monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I took out a CitiFinancial XXXX loan in XXXX. I made payments but when I was late by a payment, CitiFinancial filed a lawsuit against me. On XXXX XXXX, XXXX, this judgment was vacated by the judge. I continued to make timely payments on my accountuntil CitiFinancial sold my account to XXXX XXXX. I made the monthly payment to XXXX XXXX on account. After a short time, the account was once again sold back to CitiFinancial. I did not receive any statements but continued to make the monthly payments on time. In XXXX XXXX, I contacted CitiFinancial by phone and was told the amount due was {$2500.00}. This was incorrect. I continued to make monthly payments. In XXXX XXXX, I contacted Citi again to inquire as to why I still was not receiving statements and why there was no activity on my credit report. I was advised by email, I owed {$5200.00}. I than received a letter from XXXX advising that I had been sent to collections and Citi reported to the credit reporting agencies that I had defaulted on my loan. Even after producing the vacated judgment, they have refused to correct this. I continually get transferred and told they cant talk to me. But I was able to find out that they are now stating I have XXXX accounts. I have only had XXXX account through Citi. My credit has been affected by CitiFinancial 's inaccuracies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I wish to add the attached document to complaint XXXX. As you can see, the cash advance balance was explicitly paid off on XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recieved a payment from a client through credit card company ( XXXX ) through XXXX, then went to bank to get money from my account and was told my account is on a hold. I went to my bank branch to ask the reason and they said they could n't verify the creditor and I should wait. I waited for a month and I realized my account has been frozen. I went back to my bank branch and they told me my account is under investigation by the fraud department. I asked again what was the reason and they said they have n't verified the creditor from thier back end. I have been waiting since then and I do n't know what to do.At the moment I 'm living off crumbs and loans from friends and family. Pls advise me on what next action to take.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I received a message from XXXX XXXX informing me my credit had dropped due to a hard credit inquiry from CBNA Bank on XXXX/XXXX/2016. I do n't know CBNA and I did not apply for a credit card or loan so I did not approve a hard inquiry. Now I 'm worried someone has used my information to open an account.

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 2016-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened a citigold checking account with a bonus offer of XXXX Thank you points. 
Before opening it, I confirmed I was eligible for it. 
I completed the requirements and waited 90 days for the bonus points. 
I chatted with a Citi rep named XXXX who confirmed I 'll get the points. 
Now Citi is saying I 'm not eligible for them.

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 2017-02-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX reported my Shell credit card account as being over the credit limit. The only reason that the account was allegedly {$4.00} over the credit limit was because of a fee THEY assessed. My charges on the account did not bring the balance to or over the limit. I do not recall any conditions either under the credit agreement, nor under Federal law which will permit a creditor to report my account as being over limit solely due to a fee or charge which THEY added to the account without my knowledge or approval.

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 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I opened an account at Citi based on a reward offered. The reward was never given so I closed the account. They then charged me a monthly fee after the account was closed.I called and resolved it and confirmed again that the account was closed. I then received a letter in the mail stating that the account was negative ( as a result of a fee ). I called again and they stated that the account would be closed, however the fee may have go to collections.

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 2015-08-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
When I made a payment on my Home Depot account serviced by Citi, they required me to agree and accept that my computer was able to encrypt the payment information? I have no idea what this means except that they are possibly hoping that I take on the responsibility that My computer is safe enough to make a payment. I have no idea why this bank would require me to be responsible for the security of my payment - that is their responsibility to make their site safe to make the payment. How would I even know what bit encryption my computer is? This is incredibly unreasonable and confusing, and they refused to take my payment without my agreement. How do companies get away with this? Trying to pass responsibility for their own site safety on to me where I have no idea about any kind of encryption process on my computer? I am so upset by Citi unreasonable demands on consumers at this point I am making sure our Home Depot knows about this and this is really hurting their brand to have this bank called Citi be so abusive to their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I tried to make a certain purchase with my Citibank Double Cash MasterCard. The purchase looked like " suspicious '' activity to Citibank and was flagged causing a fraud alert/hold to be placed on my account. All of this is completely reasonable. What is NOT reasonable is the fact that I 've been trying to get the fraud hold removed from my account for more than a month. For over 34 days I have placed numerous calls to Citibank 's Fraud Department with absolutely no success. I 've been disconnected, lied to, and given the runaround. It 's wholly unacceptable. Citibank insists they can not remove the hold because they can not verify my identity. They said they need a registered phone number in my name in order to do this. I do not have a landline telephone. It 's 2017 and I am 100 % certain that I 'm not alone in this. I do have two cell phones, both in my name. One of which I 've had, in my name, for over 6 years. Still Citibank said they can not use those phone numbers because they do not show in their database for verification. So, one rep asked me if I had another Citibank account they could use. I do and I have that account information only to be told that they can not use that for verification. So the other account which has the same name, social security number, and address can not be used to verify my identity according to them. This is another Citibank account. After speaking with countless representatives, supervisors, and someone who identified herself as a manager, I was told they Citibank can not help me. She said that I have to sit and wait until my phone number shows up in their database for verification. If I 've had this cell phone IN MY NAME for 6 years and it 's not yet in their database then it wo n't ever be. This is wholly unacceptable. I even offered to physically go into a Citibank branch with my driver 's license and the card for physical verification and this person who identified herself as a manager in the fraud department told me that was n't acceptable. That the ONLY way my identity could be verified was through a phone number that appeared in their verification database. This is the most ridiculous thing I 've ever heard. This whole experience has been beyond frustrating. This is the worst customer service experience I 've ever encountered. No one at at Citibank can seem to help me. They all come back to a phone number that must be in a certain database. So now my card is useless.

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 2015-10-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
XXXX friends and I were booked on a XXXX XXXX XXXX. Because of low water, XXXX XXXX XXXX refunded our money to my credit card. The total amount refunded was almost {$22000.00}. Viking transferred the funds on XX/XX/XXXX and XX/XX/2015. On XX/XX/XXXX I requested a wire transfer of the credit balance to my bank account. On XX/XX/XXXX I again requested a wire transfer. As of today, XX/XX/XXXX, the credit balance is still not in my checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
My loan was sold to PennyMac by Company XXXX on XXXX XXXX, XXXX. I received two XXXX forms from both companies in XXXX XXXX. I found that mortgage interests received from borrowers ( the numbers in box XXXX ) add up not equal to the amount I have paid in XXXX. 

So I reached out to Company XXXX, which explained to me what happened in their end and ensured me that their XXXX is correct. 

Then I contacted PennyMac on XXXX XXXX. XXXX on the customer hotline ( XXXX ) did not listen, instead she gave me an ATTITUDE that " She knows her business, but I do n't know what I am talking about. PennyMac 's XXXX is correct! '' I requested her transfer me to another customer representative. This time, a lady called XXXX XXXX ( the spelling of her first name might be wrong, but it sounded like XXXX ) claimed that she is the supervisor. After I explained my case, she gave me the same ATTITUDE. She was firm that PennyMac 's XXXX is correct and PennyMac did not receive any additional money from Company XXXX on my behalf. Eventually we had a 3-party call with the mortgage staff from Company XXXX. Finally XXXX acknowledged that the mistake was on PennyMac 's side and promised me that I will receive an updated XXXX in 3-5 business days. 

I waited till XXXX XXXX, but received no XXXX at all. So I contacted PennyMac again. This time, the customer representative, XXXX told me that ( 1 ) XXXX is NOT a supervisor ; ( 2 ) XXXX did not properly documented the case and their year-end team could not investigated into my case at all. So XXXX started over and we had another 3-party call with Company XXXX. Now I am waiting to hear back from their processing again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have tried to get a loan modification for at least four years. From CitiMortgage my house will be sold on XXXX XXXX, 2015. I have gotten the run around and I can never talk directly with the person assigned to me. I always have to get a call back. some time it would days before the person was available. I have a job and can not spend my work hours on personal business while at work. My loan number with them is XXXX and at one point almost 23,000.00 dollars was paid in arrears and I also paid XXXX payments in a loan modification with them. They dropped the modification when the final papers that needed to be signed were n't back because I had trouble getting my ex-wife to sign them. She is on the loan too. I do n't think anyone can help me it is too late I am sure. The greed of these companies is not right how they want people to give in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was shopping at Macys and the sales associate asked if I wanted to sign up for a Macys card in order to save 20 % on my purchase. When I asked if the Macys card was a credit card the sales associate said no. After inputing all my information I was informed that I signed up for a credit card. I never wished to open up an additonal line of credit and I never received the 20 % discount that Macys promised would be given, which I insisted on because I did not wish to receive the benefits of having this card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-23 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 found out today ( XXXX/XXXX/2015 XXXX that Citibank increased its monthly service fee for my checking account in XXXX 2015, but I was not notified that a change in fee was imminent. Citibank 's competitor charges less and I would like to have had the chance to switch to another bank before the fee went into effect. Citibank has also made it next to impossible to avoid a fee on this account ; it requires in part a monthly bill payment using its " online bill pay '' system. However, none of the companies I work with, including cable companies such as XXXX or my utility provider are set up on its system. It simply does n't recognize them as companies. Other companies do n't exist at all. Its obvious the product was oversold ; since those other companies have their own payment sites, Citibank 's bill pay system does n't make sense, especially because it does n't work. For example, to send a payment to XXXX, Citibank 's online bill pay needs up to a week to print and mail the company a paper check. The money is deducted today but does n't show up in XXXX 's system more than a week later, since they need time to process a paper check. Citibank promised in its sales pitch and its marketing that I could use the service to pay utility and cable bills. But this is not the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Complaint against : Citicorp Credit Services, Inc-XXXX 

I submitted a billing dispute request against a retailer which Citicorp responded on XX/XX/2016 requesting additional information/documentation/evidence of my dispute ; which I followed up on XX/XX/2016 with all requested documentation. 

Apparently it seems they made a decision ( in favor of the XXXX ) not to honor my dispute request without viewing the requested evidence. Nor did they bother to inform me of this decision. 

When I phoned the XXXX Department to follow up I was informed at that time of their decision which I requested to speak with a Supervisor due to the lack of respect and Customer Service provided.

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