vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, 2015, I had proceeds from a debt consolidation loan issued to Macys to pay off an outstanding balance. On XXXX XXXX, the check was deposited by Citibank ( the owner of Macys store credit card portfolio ) and cleared my credit union which funded the loan on XXXX XXXX. 
The funds were never applied to my credit account and I can not get anyone from Macys or Citibank to respond to my emails. Their customer service is HORRIBLE and they simply seem to not care or push the issue off to another department claiming that someone will email me back in 3-5 business days. That timeframe has come and gone. I 've also tried calling their customer service number but consistently get transferred to an automated system that does n't allow me to resolve my issue. 
I did notice on the check that the credit union listed the last XXXX digits of this account number that appeared on my credit report they had pulled ( XXXX ). The card for this account was last a few months back so a new card was issued ended in ( XXXX ). Both accounts are tied to my name, address, phone number and SSN though and the XXXX account was simply transferred to XXXX so I 'm not sure if there was any confusion that Macys did not attempt to contact me before cashing the check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX, I had a cell phone ( smartphone ) stolen. This was reported to my local police department. I thought that all the security apps I had in place would protect me but I was wrong. Due to that theft my identity was compromised. As a result I dealt with everything from accounts attempted to be opened to funds being funneled out of my checking/savings account. For the first time in my life I was thankful that I was not rich as there was n't much to steal but enough to put me in uncharted territory. With thanks to my bank I was able to slowly but surely remedy the situation. But due to the circumstances, I for the first time was behind on my bills. I had a credit score before all this happened of about XXXX-XXXX, not perfect but respectable. I am scared to even check to see what it is now, literally. XXXX has creeped in. With all this going I was looking for options to keep myself and my family afloat without issue. I received an advertisement which I can upload later mentioning a forbearance possible on my 2nd mortgage account. I called CitiMortgage, received some information, and wanted to begin the process. I was told that I was n't late enough to take advantage of anything but if I became more past due options would open for me ... this made sense but sounded frightening at the same time. I reluctantly let the account go further behind until it was time to take advantage of the forbearance which I was to initiate the process before XX/XX/XXXX. However, at that time I was told that that because my 2nd mortgage was not FHA or XXXX that I could not take advantage of the forbearance. My heart sank, I have/had the feeling that my life was ruined. I have a daughter who wants to go to college and now the credit worthiness that I worked so hard to maintain was ruined over misinformation. The only reason this forbearance option was even remotely attractive to me is because it would prevent credit reporting once I accepted the forbearance terms. My primary mortgage account was never late since obtaining it XX/XX/XXXX, not once, not ever. I am a responsible customer. Although the rate is substantially high here on this account I have n't had any issues with CitiMortgage. CitiMortgage is a great company and I just need someone who can understand and help me. I simply want to remedy this situation and receive accurate information.

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 2015-10-16 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I am a cardholder with Best Buy Credit Services and I was automatically enrolled into a debt protection service without my knowledge and I have been being billed on a monthly basis. I rarely look at my statements and noticed it today when I was paying my bill. Upon contacting Best Buy at XXXX, I was told that I was enrolled since XXXX/XXXX/2011 and have paid a total of {$150.00} into the program. I am requesting a FULL REFUND of this amount, in addition to any interest that I may have paid on top of this amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I charged {$5900.00} on my Citibank credit card in XXXX XXXX. I disputed the amount on or about XXXX XXXX. The disputed amount was credited to my account in or about XXXX XXXX. Then in or about XXXX of XXXX my credit card was charged once again for the disputed amount, with no written explanation as to why my card was recharged.

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 2016-09-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I get a collection on my account without my knowledge and now received frequent phone calls with a company I do n't even know. The account is closed on my credit report and the balance of {$1800.00} still showing so I do n't really understand why the company keep calling me for a closed 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 2016-11-27 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I have been receiving multiple phones calls ( 3 to 5 times ) per day, for almost two weeks, from Citibank, in regards to a Home Depot account I do not have, and never have had. I spoke to a Citibank representative on XX/XX/2016, and was told I would no longer receive anymore calls from Citibank. I received another phone call on XX/XX/2016. I stated to the bank representative that I do not have a Home Depot account, and I want the phone calls to stop. I also made them aware that my phone number is register with the National Do Not Call Registry, and that this is my first and final request for them to stop calling my number. I do not have ANY debt in arrears, and have good credit.

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: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Citimortgage mortgage was paid off in 2009. Only XXXX has it marked as 'derogatory ' and I do n't understand why. I paid it off early and Citimortgage had no complaints. All my payments were made on time - what could be derogatory in this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I 'm XXXX and disable, I asked XXXX bank to transfer money from my checking account on XXXX/XXXX/2016, city bank suppose to send me ATM card for my saving account ending on XXXX to checking account ending XXXX about {$1500.00}, city bank agent XXXX stated he can do it because he has no access to it so transferred to his supervisor that said I can not do it because you do n't have the ATM card yet I told her I have the pin and was verified and you have my saving account number usually Transfer are between accounts not ATM, I have few checks coming on XXXX/XXXX/2016, what is going on why I can not transfer money between my accounts this is fraud at best I think CFPB must protect consumers aginst banks. 
Thanks

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 2015-11-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received an unauthorized charge on my Macy 's credit card on XXXX XXXX, 2015 for {$25.00} in my statement. I called to inquire about the charge and was told it was a monthly charitable donation that was being charged to my account. I disputed it and informed them that I never agreed to nor signed up for this Macy 's charity. After being told it was removed along with it 's associated fees and it 's monthly recurrences it may take a XXXX billing cycles to disappear from my statement. After 60 days the monthly statement still is charging {$27.00}. I checked my credit report and it says I have an outstanding balance of {$54.00} on the Macy 's card, therefore lowering my credit score XXXX points. After repeated calls and asking for assistance from their customer service, I 've had no resolution. I have never in my XXXX years made XXXX late payment or paid XXXX penny of interest for that matter on any credit card. My credit is very important to me and I hope you understand this is the card issuers mistake and their disregard for concern is affecting reputable card holders. I am canceling this credit card to negate any future exploitative actions on their behave. Please advise me of my best course of action to recover my credit to it 's previous credit rating. 
Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-19 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Received a call from Citibank regarding a Citibusiness credit card. XXXX payment was not made 10 days ago. I checked and I never received a statement. I asked them to verify where the statement was mailed. The address they gave me was from 3 1/2 years ago. I have been receiving all my statements at my current address prior to this. I authorized payment for the amount they needed to keep my payments current, now I am in the process of disputing the late fee and extra interest they charged me as well as trying to get a copy of the statement I never received. This is such a bad practice especially when it seems to be done a XXXX end for most businesses and there is no logical reason that my address would be changed back to XXXX I lived at 3 1/2 years ago.

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 2017-02-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank had a promotion to give you XXXX if you deposit XXXX and not use it for 90days. the 90 days is up and I am having a problem getting the XXXX dollars added to the 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 explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XXXX XXXX, I received a flyer through the mail from Citi Bank offering their Double Cash MasterCard with 0 interest on all purchase balances for 18 months. I applyed on-line and my first billing period ended XXXX XXXX, XXXX. I calculated that the interest-free offer would end with the XXXX, XXXX billing cycle. On my XXXX, XXXX statement there was an interest charge for {$64.00}. I contacted the bank and was told the offer had ended XXXX XXXX, XXXX. I was informed I needed to produce the flyer as proof that the offer was for 18 months. I had not saved it. But I had agreed on-line to the terms and conditions of the offer at the time of application. I was unable to access a copy of those terms on the bank 's website nor was the customer service rep able to tell me how I could obtain a copy of the agreement. After 4 phone calls to Citi Bank, I was told a supervisor would call me back in 2 to 3 days. That has not happened. I feel Citi Bank 's advertising and business practices are deceptive. The bank should clearly state the expiration date of their offer when the card is initiated. The customer should be able to view the terms and conditions agreed upon. The bank should issue a timely alert that the offer is about to expire, so that the customer has an opportunity to pay off the balance without an interest penalty.

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 2015-08-07 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
PURCHASED A TV FROM SEARS UNDER A 0 % PROMOTIONAL HAD PAYMENTS AUTO PAY WHEN THE PROMOTIONAL EXPIRED I WAS NOT NOTIFIED THE PROMOTIONAL WAS ENDING GIVING ME A CHANGE TO PAY THE BALANCE INSTEAD THEY CHARGED {$1700.00} TO MY ACCOUNT FOR BACK INTEREST. I FOUND OUT WITHIN 30 DAYS. I ASKED TO PAY JUST THE BALANCE THAT WAS DUE BUT THEY HAD TOLD ME NO THERE WAS ONLY AND 20 DAY CRACE PERIOD. AND I WAS PASSED THAT. I DID NOT FIND OUT BY STATEMENT FOUND OUT ON LINE LOGGING IN BERFORE PAPER STATEMENT WAS RECIEVED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My complaint is simple. XXXX XXXX took advantage of my impaired husband and placed a {$1600.00} order with him. When he received a receipt by e-mail, and realized the mistake, he called XXXX XXXX twice. XXXX times the calls were escalated up the management hierarchical chain, but nobody would cancel the order. The meat was in transit for 6 days, all of the dry ice melted, and the meat browning. When I received XXXX large coolers of meat that was beginning to smell, I called XXXX XXXX ( no help ) and Citi Bank in order to dispute the charge. 
We were to have 30 days to respond to XXXX XXXX ' XXXX page response ( attached ). Citi Bank instead closed the dispute and added the {$1600.00} back onto our Citi Bank Credit Card before receiving our rebuttal.. 
Upon receiving XXXX XXXX ' letter, our dispute was removed from our accounts ' message board on the Citi Website. It could not be retrieved and the Citi customer rep could only tell us to e-mail Citi asking for the disputed information. 
Citi Bank had no intention of considering our response. The 30 days stated was purely perfunctory and cosmetic. It is clear that Citi would side with the merchant under any circumstance, and dismiss the cardholder 's response. 
Politicians are correct. The system is rigged in favor of the too large to fail banks. The consumer is not given an opportunity to even respond to a dispute. For a consumer, there is no possible way of winning a dispute with a merchant. The attached documents explain this travesty by CitiBank in greater detail.

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 2016-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
I have had an ongoing problem with Seterus Mortgage Servicer since XX/XX/XXXX regarding my escrow account, however XX/XX/XXXX, there was an error made in which to company attempted to charge me XXXX monthy for my mortgage, ( I have the letter ). Now after several months of going back and forth with misapplied payments and ultimately another escrow done XX/XX/XXXX, the error was corrected and my payment lowered from the real amount of XXXX to XXXX. I went to review my XX/XX/XXXX escrow again, it is not available for download, nor are any of my monthly statements for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX so I can verify the escrow amount during these times. 
This is an essential function and my understanding the law that these documents made available to me in a functional manner. I have consistently had problems with this company and any documentation. I do not want to have to consistently have to contact CFPB, XXXX or any other entity just to get my statements or escrow. 
I believe there to be a further issue but I am not sure of that at this time, it will require further review and may be something I have to cure, but I can not do that without the timely delivery of my documents. 

Thank you for your time,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Looking over my Best Buy credit card I noticed a fee for Debt Protection and they charged me just over {$23.00} for it. Wondered if it was a one time fee and it has been coming out every month for years. around XXXX if the amount stayed the same. I called and cancelled this but I have never nor would I ever sign up for this. I am an insurance agent and I understand the cost of insurance and this is very expensive stuff. They ca n't seem to supply me with my signature or authorization to start this. They just added it without my knowledge. Operator said it had been since 2011. Now I understand that I should look more closely at the statement but I figured the interest was just high and make online payments every month. If I had ever seen it I would have cancelled it. I never take free XXXX things because it is too hard to remember to take them off. 

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 2016-03-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: MNE Services, Inc
State: PA

Complaint narrative:
Different companies who say they represent the payday loan companies keep contacting me about a payday loan I paid off several times in the past 7 years. I have documentation that I paid this loan on several occasions. The companies have threatened to serve me papers on my job and that they are going to take me to court in XXXX XXXX. They never contact me through the mail, only by phone. I have faxed the pay information several times to different companies and they said that the loan was satisfied, however, other companies keep contacting me.The companies are contacting my relatives and my husband 's relatives and asking them do they know me and saying that I owe money. They have my social security number and license number. I have been ripped off many times which is unjust, unrighteous, and embarassing. I have taken out several payday loans from companies such as XXXX XXXX, Advantage Cash Services, ect. and have paid them off. I have included the paid in full letters from them. These companies did not allow you to take out a loan if you did n't pay the previous loan. I have not taken out a payday loan since I retired in 2010. I would like to recover the monies I paid out several times and want these scam artist to stop contacting me and my relatives. I would like the public to be aware of these phony companies and not get ripped off like I did.These con people ( men and women ) are so good at their game, they had me convinced that I did n't pay my debt over and over. I hope you find out who they are and bring them to justice. The most recent call was from a lady who said her name was XXXX XXXX from XXXX ( I 'm not sure of the spelling ) phone no. XXXX. File reference # XXXX. When I called this lady she told me that I walked into a place and got a pay day loan. I asked her what place, she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a new citigold checking account around XXXX XXXX of 2016 using a promotion code XXXX upon which I was to receive XXXX XXXX XXXX rewards points upon completing certain requirements. I received confirmation twice that I was successfully enrolled in the promotion and after completing all the requirements I received confirmation from a XXXX XXXX dated XXXX/XXXX/2016 at citibank confirming not only was I enrolled in the promotion but also that I had completed successfully every requirement to obtain the bonus miles. I was told they should post by statement close XXXX/XXXX/2016. When they had not posted by XXXX/XXXX/2016 I emailed customer service following up on the matter and to my dismay they contradicted all prior information stating I was not eligible for this promotion ( even though they gladly accepted my money and confirmed that I was enrolled in the promotion and had completed all requirements ). This is unfair practice and I would like the bonus miles that I was confirmed I qualified for, especially considering the fact that they have now taken {$90.00} in monthly service fees out of my account. Please help me get Citibank to stand up and honor their word. They should be required to honor all promotions that they allow consumers to sign up for and participate in.

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