vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Background : We have had this card since XX/XX/XXXX and have used it on and off during that period. Normally for " additional '' expenses. On XXXX XXXX, XXXX we went to use the card, while we were traveling, and it was declined. We figured it was because we were traveling. We called the XXXX number on the back of the phone, thinking we just needed to let them know we were traveling and get the card enabled. Much to our surprise, we were told they had closed the account due to non usage in XXXX XXXX. When asked why they had not notified us they said that " we e-mailed you ''. When we asked them to " re-open '' the account they indicated that they could n't and we 'd need to reapply. 
My complaint is, an e-mail is not a notification when it comes to something financial. Especially since we had just received new chip enabled cards the in previous couple months with an expiration date of XXXX/XXXX/XXXX. In this case CITI bank left us in an extremely bad situation, as this was the credit card we had planned on using while we were traveling. Now I am hoping that this has n't messed with our credit. Especially since they did n't notify us about the closing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland is listing a collection account on my XXXX and XXXX credit reports. I have asked for debt validation under Texas Finance Code 392 from Midaland Funding via certified mail sent XX/XX/XXXX ( see attached certified letter ) and company has failed to provide required debt validation. Midland did not respond to my request except to update their reporting to the ccredit bureaus.Under Texas Finance Code debt collector is required to delete entry if they fail to provide required debt validation. I have disputed multiple times with credit bureaus and have sent ceritfied letters to Midland ( see attached certified letter ). The collection account is currently being reported to XXXX and XXXX -- and the information between the XXXX bureaus do not match either. XXXX has date to be removed as XX/XX/XXXX and the other has date to be removed XX/XX/XXXX so they are reporting different dates of first delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Fraudulent charge put on account XXXX/XXXX/2016 for XXXX XXXX {$540.00} I contacted CITI Bank who cancelled my card and sent me a new card with a new account number, but have not removed the fraudulent charge.

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 2016-12-26 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
On XXXX/XXXX/2016 I listed a {$300.00} XXXX gift card for sale at {$250.00}. A person with the account XXXX purchased the item through a Paypal payment. The person emailed me through the ebay messaging and insisted several times in a matter of 10 minutes that I send them the code on the back of the gift card so they could start using it immediately. I checked to make sure the money was there in my Paypal account and received the " Ready to ship '' confirmation on the account. Thinking it was OK to send the code, I did so through the Ebay email to the customer. About 4 hours later, I receive another message from XXXX stating that their account had been hacked and not to send the item. I informed them that I had already released the code to the person on their account. I called ebay when I received this information and was told it would be investigated. I also contacted Paypal to see if I would still receive payment. Ebay told me that there was nothing they could do, that I am not protected from being scammed on their website. I called back on XXXX/XXXX/2016 to see if this matter would be resolved and if I would finally receive payment. I was told by the customer service and Funds Availability Special XXXX that I should receive payment since I did provide the item to the customer and that I would receive a call back within 48 hours. That call has never come. 
I placed my trust in ebay to receive payment for the item I sold. It is not my fault that someone 's account was hacked. I provided an item and have not received payment. This is wrong. I should n't have to be punished and lose all my money on this transaction. Both of the times I called ebay, I was shuffled to XXXX different departments and was forced to stay on the phone for over an hour. Why would anyone ever sale anything on this website if they are n't going to protect their customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I had XXXX and the doctor was not sure at first how long I 'd been out of work. So I thought that I should let the bank know the situation as far as IF I may get a month behind in my mortgage. Since 2003 I have never been late or missed a mortgage payment and at that time was current. The representative suggest that I consider a modification and that I should wait and be late a month to start this process. I said NO I do n't want to be late. So now we start the process which took from XXXX to XXXX. They took {$100.00} off my mortgage. Put me on trial to see if I could make the lower payments which I did. Of course the lower payment I was paying was not what my new mortgage was to be. In the process they got the {$100.00} dollars back ( because of higher taxes and escrow short ) and my mortgage is more than it was at first. But the mean thing is that they put my mortgage account it a delinquent status and put it on my credit report. I think this is mean and unfair. I have written letters to all three credit report companies and they say it can be removed but I 'd need a letter from the bank. I have written several letters XXXX one to the CEO ) and made several in-person attempts and was also told it could be taken off. None\of this has worked and I rec 'd a letter from the bank telling me to stop writing because my compliant was frivolous and a waste of time and they were not going to remove it. It has really put my credit report in a nasty spot. I 'm not able to do anything with the being the first thing you see on my credit report. I do hope you can help get me some help with this. I was only trying to do the right thing and this is what I got.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Nightmare happened after I made a payment of {$1300.00} on XX/XX/2016 for the full balance on my Citi XXXX Platinum Select Business account. Previous statement due dates were all on XX/XX/XXXX. Both XX/XX/XXXX and XX/XX/XXXX payments were made on time before the XXXX due date. 
In XX/XX/XXXX I started getting calls from this number XXXX to my cell phone and when I picked up I got a voice message telling me to log on to Citi.com regarding my account. I did n't do it because I had not created online access for the account but the call frequency was just too excessive so I eventually created the online access. I got at least a call on these dates : XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX, and XXXX XXXX. The call frequency was definitely excessive. 
After logging on, I found there was a charge of {$82.00} on the account. That does not make any sense since I paid XXXX already and I did n't use the card since then. So I called the number on the back of the card ( XXXX XXXX XXXX XXXX ) and got to talk to an agent after at least 2-3 attempts, each with a hold time of longer than 20 minutes. 
I asked the agent why there was a charge and I did n't get any statements. She reviewed the account and told me that because no activities on the account so no statements went out. I explained if no statements how can I make a payment, and more importantly, Citi changed the due date randomly - it was always on XX/XX/XXXX but they arbitrarily changed the Apr cycle to an earlier date so my payment on XX/XX/XXXX would be ONE day late. The agent promised to reverse everything since no statements went out and the due date was different so I should not be responsible. 
Things appeared good until I saw the same annoying number ( XXXX XXXX XXXX XXXX ) showed up on my cell phone so I logged on the account only to discover that nothing was done to the account and it was already in another billing cycle and the charge went up to {$98.00}. 
So I called the number XXXX XXXX XXXX XXXX again and was finally able to talk to an agent after at least 4 attempts each with a hold time of longer than 25 minutes. This level of service ( or lack of ) is definitely unacceptable for a platinum business card, or any other credit cards. 
After explaining everything again to a few agents and then finally to the escalation unit, I was told I still need to pay {$12.00}. I spent over an hour on this call already. The agent was apologetic but said she can not reverse everything. I told her it was a bank error. She said she can not do anything. I told her OK I spent hours on this already and the minimum wage that I can make exceed the amount they are asking despite it was error on their side but I do n't want to waste any of my 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 explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
My Citibank credit card includes a " benefit '' called Trip Cancellation and Interruption Protection. It advertises that " if certain unforeseen events get in the way of your trip, '' cardmembers may be reimbursed for change fees, lodging, and meal expenses related to trip cancellation and interruption. My flights were cancelled for 2 days, and 3 different " benefits advisors '' at Citi 's service said I would be covered for hotel and meals while I waited for my next flight. They said that I could not file a claim or document my issue until after I spent the money on the expenses. After I spent the money, Citi later said that I was not actually covered, because trip " cancellation '' means that you have to cease all travel, and " interruption '' means you had to begin travel and then cut your trip short. Citi would not take responsibility for 3 separate benefits advisors giving me the wrong information ( that I would be covered ). Further, the benefits documents and fine print contain no definition of " cancellation '' or " interruption. '' Rather, the text is incredibly misleading, because it says " change fees '' are covered, and that you are covered if " You ca n't travel because severe weather, a natural disaster, or a labor dispute causes all travel to or from your destination to stop for at least 24 hours. '' By advertising to customers that the card contains benefits that are not truly in place, Citi is misleading people into using their card and spending money that will not be covered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Aargon Agency, Inc.
State: OK

Complaint narrative:
Came home from work, and my roommate hands me my mail. I noticed a strangely colored and labeled mail, so I opened it first. It 's from a law group or agency, stating that I owe the amount they requested in the letter. If they fail to receive the payment requested, they may or may not pursue legal action to recover the debt. And if they do decide to take legal action, the issue will be forwarded to one of their attorneys in my local area. They are accepting payments through a given website and phone number. How they failed to convince me that this is real, is that they require my account number. I 've never been in trouble with the law regarding any persons or business, so I do n't understand how or why I received this letter in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
Paypal has allowed the scamming XXXX to defraud my account. 
Their cart adds items on each time you visit against the wishes of the customer. 
XXXX charged me for XXXX memberships & XXXX listings of a membership. This is utter rubbish and contacted XXXX of the error XX/XX/2016. 
They recognized the error and said they credited me the difference. 
The problem is they did not so I opened a paypal dispute. 
The seller offered a refund of XXXX admitting liability and error. I requested that Paypal continue to investigate as I was truly owed XXXX. 
I only wanted one membership. 
I tried to contact Paypal to assist and they were unhelpful and decided the case in the favor of XXXX XXXX XXXX & denied the partial refund the seller offered. 
So i contacted the seller ( no one mans the phones at XXXX XXXX XXXX as it is a phishing scam site. They refused to return my money, canceled the membership and blocked my computer from accessing the site ( see documentation ). 
As such paypal has an obligation to return XXXX-XXXX=XXXX I tried to print out the chat conversation and was unable to. Given the customer service agent would rather block my ip address than address my concerns in writting, it confirmed my suspicion that this is some tech geek running a scam site. 
Regardless, as he canceled my membership and blocked me from his tech/phising site, I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a paid account with XXXX balance. The last date of activity was XXXX 2007. This account should have been removed from my credit report after seven years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank opened and issued me a MasterCard credit card in my name without my consent or request.As you know this can lower my credit score, and share information I want kept private. My mail box has been invaded by junk mail from them for years trying to give me their card and now they just by passed my consent and issued it to 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 2016-12-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Using a promotional code as offered on the Citibank website for a {$400.00} credit toward my checking account once the account was funded with {$15000.00}, I opened a checking account on XX/XX/XXXX and deposited {$15000.00}. According to communications from Citibank the {$400.00} promotional code was to be applied to my account no later than XX/XX/XXXX which is 90 days after the initial 30 days XXXX 120 days total ). I have contacted Citibank several times and all the customer service reps have explained that the promotional code should appear on my account soon. Citibank has not lived up to their end of the bargain and continue to tell me that the complaint has been escalated to the promotional department but we should just allow them time to complete my eligibility. They already have verified my eligibility and wrote me that I qualified.

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 2015-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
My husband and I bought a house in XXXX 2014 with a mortgage from Citibank, with a payment of {$2600.00}. Today I received the Annual Escrow Analysis stating that we have an escrow shortage of {$2100.00} and that our payments will increase to {$2800.00} for the next year. Upon calling Citibank, I learned that our actual escrow shortage is closer to {$3000.00} because of a recent insurance payment Citibank made. Citibank explained that this happened because of the way they calculated our tax bill. However, they should have calculated our tax payments correctly to arrive at a more accurate payment. It seems that they did not include insurance in their escrow calculations either, resulting in the total shortfall of approximately {$3000.00}. I believe Citibank deceived us as to our payment amount, giving us a smaller number at the outset and failing to calculate correctly and inform us of the real cost. If I had known that our payment would increase by {$250.00} a year after buying our house, I may have decided to go with another bank or may have decided not to buy the house at all. I was not able to make accurate financial decisions because of Citibank 's failure to provide correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I never agreed to " Debt Protection Fees '' with Best Buy or Citi Bank when signing up for a credit card in 2007 to purchase a TV. Over the course of 9 years they have charged me with {$540.00} of fees associated with this fraudulent " debt protection fee '' or service. It 's basically the entire balance on my credit card billing statement. I have requested a full refund twice, and nothing has happened. 

Please help!

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 2015-08-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
My name is XXXX XXXX, My father, XXXX XXXX, passed away, XXXX XXXX, 2014. I have been living in his home for XXXX years taking care of him, until he passed. Also living with us where, my son, his wife and my Grandson. Upon my fathers death, I notified ( HSBC ) Beneficial, sent them death certificate, and explained to them I was willing to take over the debt with a lower payment, or do whatever what needed to keep this home. First they refused to speak with me. Then they have been requesting paperwork after paperwork, to which I keep faxing over and over. They keep stating they do not receive them. I have also sent the Executor paperwork and notarized relinquishment papers from all XXXX of my brothers. I gave them the Estate attorneys information, and they refuse to speak with the attorney. After all this time, they now tell me the home is in foreclosure status, without even notifying me in writing. But will notify me of a date to vacate the property. The only other thing they continue to tell me is " This is not your debt, this was your fathers debt, and you should not be responsible for it ''. My mother designed this home, my father built this home, and I was raised in this home. I gave up a home and property to come back to take care of my father, who was ill. I spent all of my savings to keep this place going. Now they wo n't even give me and my family a chance to keep it, now they want to throw us out on the street. All because " it 's not my debt! " They do n't seem to care that XXXX people will be homeless! 
This is ridiculous, when I have tried to work with them for over a year to adjust payment, or get a new loan in my name to pay for this house to keep it in my family, and to keep XXXX people from being without a home. 
Apparently, they like taking peoples homes and leaving them on the streets. This is not the AMERICAN way to do business people!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citi prepaid card expired ( XXXX XXXX ) as I did not check the date and was saving the same for special day gift. ( balance {$96.00} ) I called the customer service and was told that It its expired and nothing can be done and money is lost too. Feel so bad how Citi can do like this.

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 2016-02-09 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: AP

Complaint narrative:
Received instant credit from Macy 's in-store and purchased items. Macey 's failed to deliver a bill, a card, or any method to check account or pay until AFTER the due date, but still assessed late fee. Immediately upon receiving bill I attempted to pay online, but their system remained down for a full day. Even though i paid the amount in full AND the inappropriately charged fee, they STILL assessed an additional interest fee. they agreed to close the acocunt. I am receiving this treatment as a direct result of my being XXXX address, and the company not getting initial card or bill to me in a reasonable amount of time before due date.

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