vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-08 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had been a customer of XXXX for about 20 years. I cancelled my service in XXXX 2016. At that time XXXX notified me that I had a remaining credit of {$26.00}, saying they would refund me that amount of money that I had overpaid for my service. 

Instead, XXXX mailed me a Citi Prepaid Services VISA prepaid debit card that they say has a balance of {$26.00} on it. Citi Prepaid Services then puts limitations on my use of that card, saying that it could not be used for a charge more than {$26.00}, it could not be used in an ATM machine, that I must go online or phone to " register '' my debit card, etc. They did however say that I could go on-line with Citi Prepaid Services to arrange to have the amount transferred to my bank account. 

While clearly an imposition on my time to return my money to me, I tried to comply. I tried to use Citi Prepaid Services web-based function to transfer the money into my account 3 times, but it would fail each time at the end of the transaction and tell me that " you have been logged out ''. 

I then phoned Citi Prepaid Services and told them their website did not work. They " walked me through it '' on their website ; it again did not work. They then refused to help me further, saying I could only get the money transferred to my bank account using the website. They hung up on me. 

My suspicion is that XXXX and Citi Prepaid Services are using this dodge of ( NOT! ) disbursing funds that they owe -- knowing that many consumers will not go through the arduous process they dictate in order to retrieve their funds. I consider this theft, criminal behavior. 

( I then went back to XXXX, escalated my call to a " manager of the manager of the agent '' in their Billing Department, and explained that I wanted my money from them ; I did not want to deal with the obstacles that Citi Prepaid Services put in my way. He refused to help, telling me that " XXXX no longer has your money, we transferred it to Citi Prepaid Services ''.

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 2016-12-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
They call me nonstop daily even on weekends sometimes before XXXX. I receive at least 7 calls daily they 've even sent me a collection notice via UPS.

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 2016-03-15 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have never been late on either of my other XXXX credit cards. In XX/XX/XXXX I had made a purchase using instant approval at Macy 's in order to benefit from the advertised extra savings. I never received a credit card or a statement from them until today, XXXX XXXX. In XXXX, I spoke with someone who said she would be re-sending both the statement and card to me. On XXXX XXXX and XXXX XXXX, I received eight phone calls ; thinking the calls were telemarketers, I did n't answer at first. When I did answer, I was rudely threatened that I had to give the routing number to my checking account in order to stop being harassed. Still suspecting fraud, I told the man that I felt uncomfortable with the arrangement, but that I would go into the store to pay the balance in full, which he said he would put in his notes. I asked the man to add the comment that I am happy to pay what I owe as long as I know what the balance is. Two hours later at the store 's customer service, I did pay the balance verbally told me although I still had never received a statement. Today in the mail, I received the statement. To my horror, it showed a late fee. One, I would like to be reimbursed the late fee. XXXX, I would like a letter sent to the credit bureau explaining that the error falls on Macy 's for not promptly sending its statements to its customers. An impersonal organization is wrong to blame and penalize an overly conscientious individual for its poor bookkeeping.

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 2015-07-09 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
On XXXX XXXX, 2015, I applied by telephone to Citi for the Double Cash Back Credit Card and was rejected. The reason for rejection that I was given by a " supervisor '' was that my annual income was too low, as dictated by the Federal Card Act Ability to Pay provision. I well recognize that I have a very low income, but I think that I was given a one-sided look at my credit worthiness. The XXXX intake worker did ask the amount of my rent or mortgage payment. I told her " XXXX '', since I own my home. They did not ask any other financial questions -- assets or debts. Had they, I would have told them the following : I own approximately XXXX acres of land, have XXXX ownership in another home on the land, have a CD at a local bank, and money in my checking account at XXXX banks ( XXXX in XXXX KY and another in XXXX KY ). I have no debts. Also XXXX or XXXX times I told the Citi employees that I am in good standing with XXXX credit cards ( XXXX and XXXX ) for which I have always paid my balance monthly. I offered to give them my account numbers. They did not want this information. 

In my later reading a bit about the Federal Card Act time and time again was the statement that any credit card issuer must do " a review of the consumer 's income or assets as well as current obligations ''. Thus I think that I was not treated fairly by Citi in my telephone application process for their Double Cash Back Card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TN

Complaint narrative:
I 've attempted several times through phone calls, letters, and emails - even the XXXX - to verify this debt that Financial Services claims I owe. However, they have never responded, not even to the XXXX. 

This is no verification - which I am entitled to - that this is a valid debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am respectfully requesting your assistance with my bank, Citibank as my requests for assistance are being ignored. XXXX opened this account originally i used to have my cancelled checks returned to me, which all of a sudden stopped. I then requested and received copies of cancelled checks which also stopped without any explanation or reasoning. I disputed and protested this stoppage but nothing came of it. I have since requested copies of cancelled checks and have been told that they can be retrieved online, however because Citibank blocked our access to our account before retrirving these checks i once agsin requested copies and have yet to receive anything from Citibank. I can not begin to tell you how extremely frustrating and aggravating this ordeal has been because i need copies of my checks and payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Account is not past due. Payment due on XXXX/XXXX/16 was made and was in excess of the Minimum Payment Due. An additional payment of {$10000.00}. was made on XXXX/XXXX/16. Of this amount less than 70 % was applied to the balance with the highest APR. The interest bearing balance of this segment was {$8100.00}, per the statement. 
Per Citi 's own card agreement, and the law, the excess payment should have been applied to the highest APR balance first, then to the next highest APR balance, and so on. 
Citi has danced around and now state that 100 % of the excess payment is not applied to any one segment. 100 % of the excess payment would have paid off the balance with the highest APR and left over {$2000.00} to be applied to the next highest APR balance, which was only {$2300.00}. The total balance on the account prior to any XXXX payment was {$12000.00}. 

These people refuse to honor their own card agreement and need to be forced to do so. Not an honest 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 monetary relief
Consumer complaint received 2017-02-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Hi, Payment in full was made over the telephone the banking account info was entered incorrectly and the payment was reversed, once we we aware of this we called to make payment in full being told that because of the error the late fees would be adjusted, each month when we got our statement, the late fee was never adjusted so each month for the last 3 months we could call and they would apologize guarantee us the fee would be adjusted and we have a XXXX balance. This last month same thing happened account shows a balance which is the late fee, we do n't pay the late fee because we are told it was going to be adjusted because we dont pay this fee, we are hit with another fee on top of it, we call again to get our fee adjusted and this time we are told they are not adjusting any more fees. I explain had this been done correctly in the first place I would not be calling for the fourth time to rectify this situation. I then asked to speak to a manager, not sure if this was a manager or just one of the reps colleagues to explain Final outcome they would not adjust and told me they could not give me special treatment. I explain this is far from special treatment this is horrible treatment, I was only going by what I was told on 3 previous occasions, I would appreciate any help you may be able to offer. Thank you for your time

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 2016-07-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I file a Police Report as you will see in the attachment, Because this account of Radio Shack it is included it as Identity theft/Fraud. 
I Reported it XX/XX/XXXX that I have lost/stolen the Credit Card, However they Radio Schack continue claiming that they had verified the account by checking that the Credit Card was issue in my name and the address matches their files, therefore the Account is mine, however I have continued asking myself Why Creditors just by telling the that my name and social security number and my address matches their files therefore the investigation is completed it so now I am responsible, since they have exhausted their efforts by investigating this account, I decided to investigate myself the account I wrote a letter on XXXX XXXX, XXXX ( See Attachment ) requesting documentation that the law allows me to request under the Section 609 ( e ) of the Fair Credit Reporting Act to find out or to acquired Radio Shack Investigation report and all the documents stated in my letter, they ignored me that tells me a lot in not trusting their investigations. 
On top I found today by an Alert Message I received from XXXX that Radio Shack continue reporting to the Credit Bureaus every single month, that the account is over the limit Creating a big impact on my Credit Report and Score unnecessary because in fact this account was closed when I reported it the credit card lost/stolen XX/XX/XXXX, if this account is closed why they are continue reporting this account that is over the credit limit when has been close for years, at least this what the representative told me XX/XX/XXXX but the funny thing is that they never sent me another card it remains closed. the I reported it as Identity theft the account should not be reported it to Credit Bureaus when there is an Identity Theft/fraud issue. 
This account should be Removed/Deleted for Non complying to respond to my letter dated 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 2016-10-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I disputed this line of credit with Citi Bank debt XX/XX/2016 with the credit bureaus. I never got it removed from my report even though my ex-husband opened the account, not me.

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 2016-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Aspen Yo LLC
State: FL

Complaint narrative:
This notice is to serve as an Emergency Notice of Error. Gregory Funding Servicer for XXXX and XXXX. Have received a complete loan mitigation application in the timeframe as required by the Dodd Frank Act as well as an agreement from the previous servicer for a principal reduction. The Plaintiff and Servicer are guilty of dual tracking and have moved forward to foreclosure sale of my property tomorrow XXXX XXXX at XXXX in violation of Federal Law. I have also found fraudulent documents and forgeries of my signature in both TILA and Respa notices in which I have proof of. I am requesting that the sale be cancelled and the facts of my complaint investigated thoroughly. I will also be contacting every regulatory agency both federal and state to make a complaint in regards to these facts. These are serious violations of federal law and I intend to persue any and all legal action in regards to these egregious violations. I am requesting that a motion be sent in the court today to cancel the sale so that I am not further damaged by this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citigold checking account with Citibank on XXXX XXXX, 2016. I entered the promo code " XXXX '', which was for a XXXX AAdvantage Miles bonus. I completed all the requirements of the offer : XXXX bill pay in two consecutive months and spend at least {$1000.00} in debit card purchases with their respective debit card. I made the qualifying bill pays in XX/XX/XXXX and XX/XX/XXXX and completed the { {$1000.00} } spend in XX/XX/XXXX. I contacted Citi via online chat session in XX/XX/XXXX after I finished all the requirements needed and was informed that I correctly completed the requirements and should receive the bonus miles no later than XXXX 2016. I contacted Citi again in XXXX to see why I had n't received the promotion. XXXX XXXX, customer service rep, sent me an email saying I will receive the bonus in XX/XX/XXXX. I messaged in XX/XX/XXXX and asked about the mile and XXXX XXXX, customer service rep said : " I can confirm the miles have been processed to your AAdvantage member account. Please be advised it may take an additional 30 days for the miles to be posted to your AAdvantage account. '' In XX/XX/XXXX I called and asked about why my miles never posted as promised at least three different times and was informed that I was not targeted for the promotion and will not be receiving the bonus. I 've looked through my files and emails, but have n't found the letter or email that had the original promo code on it. How can they take away the promotion after I 've met the qualifications and they have told me to just wait it out multiple times? If I was never targeted for this bonus, why did they let me open the account, give me a promotional disclosure with the rules, tell me I would receive it over their online chat session, charge me a $ XXXX monthly fee for the account ( { {$90.00} } deducted total so far ), meet the rules and wait all this time before finally telling me, after I had to contact them numerous times, that they are n't giving it out?

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 2016-04-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
About 2 years ago, I received multiple phone calls and mails claiming that I owe over {$14000.00} to CitiBank. First of all I never opened an CitiBank account. I even went to my local CitiBank and asked them about it and they said that there is n't any account under my name. Then recently I got another letter, so I went to my local police station and they said I needed more information to file a report. I wrote to the debt collector asking for the bank statement and they sent me an account summary which states that I have been a member since 2012 and used a Citi ThankYou Preferred Card. What is my next step?

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 2016-02-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Multiple hard pulls of credit report for credit application On XXXX XXXX 2016, I applied for Synchrony Bank WalMart store card. At the end of the application, I was told to call an XXXX number to verify some info. I called on XXXX XXXX. I was told my physical address is needed in addition to the XXXX XXXX I had stated on my application. I gave the customer service associate my physical address. At this point Synchrony Bank ran my XXXX report again for a second for the same application. On XXXX XXXX, I had applied for a Lowes Sycnhrony store card. I received a letter in the mail asking me to send info about my physical address. I sent to Synchrony Bank, the info they requested and the letter was received on XXXX XXXX. Again Sycnhrony Bank ran my XXXX report for a second time. Thus, for an application for XXXX Synchrony Bank cards, this bank ran my XXXX XXXX report four times. I had applied for a XXXX XXXX card and I was told to call to provide my physical address. I did and my report was ran once, which was the date of the original application, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
After contacting Citibank, when XXXX XXXX XXXX would n't allow me to make payment arrangements, they contacted me and told me to contact them. Citibank gave me XXXX wrong contact number. Citibank gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged a late fee on a credit card payment with CITIBANK due to stolen us mail statement, I being a client for Citibank for over 20 years, and when I got the notice 2 days after the due day, I call them 1st, they offer to reduce the late fee by {$15.00}, I told the rep, should be the entire amount, but it escalate it to the manager who said it will wave nothing.I went to the local branch and made a payment personally. I wrote them a letter with all proof of mail being stolen, and received a response of not accepting, on my next statement they have add extra minimum charges. 
Citibank is changing the credit card policies to get more fees. without proper notices, I as a consumer agree on a bank making their % money and fees as long AS THEY DISCLOSE THEM PROPERLY, Citibank to my opinion is not doing this part clearly and honestly.

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 2015-07-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I have a credit card with XXXX XXXX Citibank XXXX which I have not used in many years. I recently checked my credit and they had applied {$10.00} to my account reflecting it was over 60 days. I did not receive anything to even let me know I owed them. I telephoned them and was told there was nothing they could do. They had tried to contact me on an email address I have n't had for several years. There was no effort to contact me by mail until yesterday when I received an alert ( after the fact ). This incident dinged by credit for XXXX points. After talking to them it seems the charge was for having an account. I feel it is very unfair to report an over XXXX when the consumer was not even made aware. Like I mentioned, that card has not been used for years. I went ahead and paid the {$10.00} that they were claiming I owed. However, I feel the fair and right thing to do is to remove that from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief