vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a Macy 's credit card for which I automatically debit a checking account to pay my monthly bill. I purchased furniture on a 12 month interest free promotion at Macy 's, which promised to bill me in XXXX equal installments. The furniture amount was over {$1400.00}. On the first monthly payment, Macy 's debited my checking account the full amount of the charge rather than XXXX of the charge as should be done on a 12 month interest free promotion. I asked Macy 's representatives if my auto-pay would make the promotion not work, and I was told it was not a problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
hello, in 2015 i opened macys credit card, and i used it purchase furniture at XXXX, but i did n't receive my card therefore they sent me another card. But they did n't transfer the purchases i made with the XXXX card. i found out the issue through my credit report when XXXX ( citi bank ) reported charge off account to the credit agencys. 
My credit score dropped and i got denied from other credit cards and loans. I have been calling macys and citi bank to rectify this issue and i got no help. Please help me to resolve this issue. 
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 non-monetary relief
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: ZENCO COLLECTION, LLC
State: NY

Complaint narrative:
XXXX XXXX stated to me that I was committing fraud by not paying on this debt and that they are filing paperwork with the XXXX county courts. I do n't nor never did have the alleged account in question. They also disclosed my last XXXX digits of my Social Security Number to my parents and when I spoke to them they repeated it back to me again. There were told not to call myself and my parents house and the still did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received ( XXXX ). Per the terms of the promotion, I would receive XXXX XXXX XXXX AAdvantage bonus miles upon completion of {$1000.00} in qualifying debit card purchases and one or more qualifying bill payments for two consecutive calendar months, with all requirements to be completed within 60 days of account opening. A copy of the terms and conditions of the promotion is attached. 
I completed the requirements on XXXX XXXX, 2016 and messaged Citibank on XXXX XXXX, 2016 via their online live chat system to confirm that I had fulfilled the requirements to receive my XXXX AAdvantage miles. A Citibank representative confirmed that the requirements had been met and that I would receive my XXXX AAdvantage miles around XXXX XXXX, 2016, which is in accordance with their terms and conditions that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' A copy of this chat log confirming completion of the requirements is attached. 
I sent a secure message on XXXX XXXX, 2016, 94 calendar days from the date when I completed all offer requirements, to ask about when my bonus miles would be deposited. A representative replied on XXXX XXXX, 2016 that I was not eligible due to not being targeted for the promotion. The original terms and conditions of the offer contained no such language that receiving the bonus miles was contingent on being targeted. It states that the offer is available to Citi ( R ) / AAdvantage ( R ) credit cardmembers who received the communication, are new consumer checking customers XXXX years of age or older, and did not have a consumer checking account with Citibank at the time of applying. I met all of those requirements. 
My application was accepted with the promotional code and a Citibank representative confirmed that I met all requirements. Therefore, I expect Citibank to honor the promotion as well as their promise to deposit my bonus miles 90 days from when I completed all offer requirements ( XXXX XXXX, 2016 ). As of today, 96 calendar days have passed from the date when I completed all offer requirements, and my AAdvantage miles have still not been rewarded. It is apparent that Citibank is deceiving new customers and I advise others to not do business with them unless this can be resolved.

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 2016-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I contacted my Mortgage Company ( CitiMortgage ) on XXXX/XXXX/XXXX to Refinance my home, as they held my home Mortgage since XXXX, and I needed to start some home improvement. 
Within few minutes I was Pre approved for the amount of {$210000.00}, as the loan process started I complied in full with the documents they required. After my home was appraised for {$410000.00} higher value than what I originally assumed ( Citi chose the appraiser, and I paid Citi for that ) they came back asking for more documents. after weeks of uploading more documents to their web portal, I waited for another week and requested an answer, on XXXX/XXXX/XXXX I received an Email from yet another processor asking to upload more documents. Yet I have no answer of whether the loan will ever get approved.

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 2015-04-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Called the credit card company to inquiry on account number, after being explained that they couldnt give me the number i said i wanted the account closed and the associate asked to confirm the closure for which i didnt give an answer to since i was doubting myself if i should do it. after a nasty attitute from the associate, i was going to say to leave the card open and she said she had closed the account already without giving me the chance to confirm my choice or giving me the required the disclosures. i found out later that i needed to reapply again and have another hard inquiry on my credit in order to get the card again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
it my belief, base discrimintion ( treatment )

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: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have payment due dates for both Citi Cards and XXXX Cards on the XXXX of every month for which I send payment via USPS not less than one week pior to due date. On XXXX XXXX, 2016 I sent payment to Citi and XXXX for full balance due. XXXX Card posted my payment on XXXX XXXX, 2016 with an email acknownledgement. I checked my Citi account for an update for payment to find I had been charged a late fee and interest. I disputed these charges because the USPS has predictively made delivery within ( 3 ) or ( 4 ) days from mailing deposited day. I requested these charges be removed from my 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 monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I requested a credit line increase on my Sears Mastercard and was declined. The reasons they gave were " unsatisfactory credit and/or derogatory public record references ''. I immediately pulled all XXXX credit bureaus to see what could possibly be reporting negatively. EVERYTHING is reporting paid as agreed or no lates wth the exception of XXXX X 30 days late XX/XX/2012. that was 4 1/2 years ago and should not be a reason to decline credit. There is not any public records at all. I feel they are discriminating against me because I am a single woman in her XXXX 's. If they have a more legitimate reason for declining an increase in my account that i have a perfect rating with them, then they need to let me know. 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 explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BC SERVICES, INC.
State: MN

Complaint narrative:
The collection agency Boettcher & Associates Inc. from XXXX, Colorado has failed to validate their claim to a debt ( which has been bought numerous times in the last 10 years ) as well as payment history on the debt which they had a full calendar year to provide. Recently they violated the FDCPA privacy laws by speaking with a family member about the debt, and not only that then they sent that family member a letter that stated Boettcher & Associates was attempting to collect the debt from my family member.

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 2016-04-01 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Fake fees " XXXX XXXX '' where on bill. I call AmEx XXXX to remove charge. They refused. I canceled credit card and next month that charged me the same kind of fee again even after card was closed.

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 2016-02-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
citi bank is charging me {$1.00} interest on an account that is paid in full each month. my payment is due on the XXXX of each month and they are saying i made my XX/XX/XXXX payment late as they they received it on Monday XXXX XXXX. my due date was on a sunday. it is my understanding that state and federal law say when i payment is due on a sunday they can not charge a late fee or interest until after the next business day. Citi bank says state and federal law does not apply to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am retired aged XXXX years. I lost my job XX/XX/XXXX. 
My main source of income is retirement benefits from social securityJob loss and two times XXXX to my wife make me unable to meet financial commitments in paying medical bills and credit card payments. 
I have a debt of {$20000.00} on credit cards since XX/XX/XXXX and a personal loan.from XX/XX/XXXX. 
Till today I am able to pay all the payments to credit cards and personal loans on time while I was in job without any back payments or default in payments at any timeMy main source of income is {$1000.00} from social security as retirement benefits. 
Hear after I may not be able to continue the payments with very high APR.. 
Requesting all the credit card companies to reduce my interest rate and principal amount to the maximum possible and help me in paying off their dues. 
I am great full to the CFPB management for this helping hand to the needy consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I applied for a HAMP modification with CITI and was denied because they said my NPV results were negative. This is only because they refused to accept my additional freelance income of {$1000.00} per month, and I provided pay stubs and a profit and loss statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
A card I have operated through Macy 's has assessed me an inordinate amount of unwarranted fines. They charged me late fees ( {$130.00} ) on bills I never received and refused to refund 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 monetary relief
Consumer complaint received 2015-03-23 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: Financial Asset Management Systems Inc
State: NJ

Complaint narrative:
I am writing about a billing from the Public Defender 's Office dated XXXX/XXXX/XXXX. To date, TWELVE YEARS LATER, I still have not been provided with a detailed itemized bill listing the services rendered. I XXXX requested an itemized bill on XXXX XXXX, XXXX. That request went unanswered. My XXXX notice of the {$2400.00} billing was a XXXX XXXX, XXXX notice from XXXX XXXX XXXX advising me that the Office of the Public Defender referred my account to them for collection. I wrote again on XXXX XXXX, XXXX indicating I had not received any documentation, requested the detailed time sheets and asked what recourse I had regarding the gross professional negligence regarding the " service '' I received. No one in the office, responded to my letter. On XXXX XXXX, XXXX I received another notice, this time from Financial Asset Management Systems, indicating they represent New Jersey 's Office of the Public Defender for collection of the balance I owe. Again, on XXXX XXXX, XXXX I wrote still another letter, attached my previous request and asking for detailed information on the services rendered by the Public Defender on my behalf. 
The New Jersey XXXX XXXX XXXX XXXX XXXX sent me a printout dated XXXX XXXX, XXXX from XXXX omitting any contact information for any further inquiries. In addition, there was no reference to what recourse there is for any disputed charges, just long-worded reminders about their authorization and powers to collect through whatever means possible. I have serious issues with the billing and wrote XXXX XXXX XXXX from the NJ Office of Dispute Settlement on XXXX XXXX, XXXX. Unfortunately, many of those represented by the OPD do n't have the resources to do so and may very well be unfairly charged and financially victimized. I was referred to XXXX XXXX XXXX, Chief Fiscal Officer of the NJ Office of the Public Defender, who sent me an itemized billing and offered me a settlement of {$750.00}. I refused any settlement because I disputed the services provided in detail and XXXX XXXX said he referred my entire matter to the NJ Public Defender Management for a decision on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX, according to XXXX XXXX, my matter was still under review. I have not heard a word from NJ Office of the Public Defender Management on my dispute nor an answer to my questions which I have been asking sinceNow, for the XXXX time ( XXXX, XXXX, XXXX, XXXX ) I am receiving collection notices, this time from XXXX of Michigan. I have not received the documentation I have requested for over TEN YEARS from the NJ Office of the Public Defender, but am receiving collection notices for a debt which is invalid. 
I can and will provide documentation, names, dates, etc. to support my statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ASTA FUNDING INC.
State: TX

Complaint narrative:
I have come to find out that Palisades Collection, LLC XXXX has obtained a judgment against me that I never received notice to dispute, I called the Court and they say it was served to an address that I never resided at? How is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XXXX XXXX I received the attached letter from " FORD : Security Operations ; XXXX XXXX S.D. ( believed to be XXXX XXXX ). The letter is very disturbing threating reinstatement of an unpaid account & financial delinquency reporting to Credit Agencies. The report is specious and unsubstantiated. The Ford Service Credit Card : XXXX never solicited by me. Unknown to me the credit line was initiated in XX/XX/XXXX & paid in full that year. In XX/XX/XXXX a hard copy credit card was received in the mail. Upon receipt & investigation the account was cancel with a balance of XXXX ( XXXX ). The plastic card was destroyed. On XXXX XXXX XXXX the issuing bank was called : In summary their transcribed report stated : " Account close with XXXX balance ''

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 2016-08-01 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 signed up for Citibank 's Citigold account via a promotional code ( XXXX ) in XXXX 2015. The promotion was to to earn XXXX XXXX XXXX AAdvantage miles. Earlier this year, I met all the requirements. However, the XXXX miles still have not been deposited into my account. I spoke with and messaged Citibank multiple times over the course of the past few months ( both by phone and via online chat ). Every time, they told me that the promotion code was good, confirmed that I was eligible and that I had met all the requirements ( and that I had completed those requirements before the deadline ). Unfortunately, they are now refusing to honor the promotion and will not give me the XXXX miles. They just sent me a letter stating that I was not " targeted '' for this offer and so they will not honor it because only " targeted '' clients are eligible and that because I was n't supposedly " targeted '', that means I " will not qualify for this promotion ''. However, they told me no such thing when I applied, nor at any point during my numerous conversations with them. In fact, they kept reiterating that I was eligible and that I had qualified by meeting all the stated requirements. 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 non-monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This is about a promotion Citibank had in XXXX of 2015 where one would get XXXX points for opening a Citi gold checking account and meeting certain requirements. After I signed up for the promotion, I confirmed with a Citi customer service rep that I am eligible for the promotion. Now after 6 months, Citi bank is claiming that I am not eligible for the promotion and declining to give me the above bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My husband and I have been having issues with our Best Buy Credit card backed by Citi bank. We have had late fees we have been trying to take care of for some time. My husband contacting Citi bank and was to be resolved per their representative. This was not the case we have received a statement in XXXX and again for XXXX with late payments. We expressed to the representative that we were paying the agreed fee and this would be done through our bank account. This conversation took place on XXXX and payment confirmation was noted from our bank on XXXX at XXXX EST. We confirmed that since it was our bank and processing would not be an issue. The representative assured us it would not be an issue. Clearly she was wrong! We have tried to contact customer service with no success ; we continue to get the run around and treated very poorly by customer service reps. We continue to state our case and what the information their employee provided us and they are not holding up thie end of the bargin and are deceptive with theie business practice. We have attempted to escalate our issues and Citi was to contact us within XXXX hr and did not. We are at our wits end and if this can happen to us how many other people is this happening to. It seems this company does not honor their word nor back what there employees state. We have asked them to review the recording and they refer us to another person. No one seemed willing to help, just worried reading a script! Hopefull you can expedite this concern and help us and any other consumers that are going through this concern. 

Out approximate loss is around XXXX. Since we have been dealing with this for sometime. Since XXXX we paid XXXX and now charged XXXX on tope of this and now they say we paid our bill incorrectly even though we verified with the representative in XXXX.

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