vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citibank XXXX XXXX ( CBNA ), in conjunction with The Home Depot, treated me unfairly. In XX/XX/XXXX I applied for, and received, credit at the check-out register for a purchase ( about {$350.00} ) in order to get a {$50.00} discount. They got my mailing address wrong, so I never received a bill. ( Despite my ongoing efforts to communicate and negotiate a fair settlement, I still have never received a bill ). I forgot I had applied for this credit, and also forgot the amount due, thinking I had simply added it to an existing credit card. 

XX/XX/XXXX I received a collection call -- my first reminder that I had opened this credit account. I agreed I owed something, gave my correct mailing address, and asked for a statement I could use to negotiate a settlement. I did not believe I should pay for late fees and interest when I never received a bill! To date, I still have n't received a statement. 

XX/XX/XXXX they wrote off my debt, sent me to a collection agency, and dinged my credit report WHILE I HAD ALREADY AGREED TO PAY SOMETHING AND WAS SIMPLY TRYING TO OBTAIN THE INFORMATION NECESSARY TO NEGOTIATE A FAIR SETTLEMENT. I contacted the CBNA/THD ( they still have yet to send me anything by mail or contact me by phone other than the XXXX XX/XX/XXXX call ) and the balance they are trying to collect from me is now up to over {$700.00}! 

These collectors are intentionally stringing me along to grow the interest charges. They prey on people with good credit, thinking they will simply pay the fees to make outstanding balances go away, no matter how unjust. Well I will not stand for it and will fight. I will pay what is fair, but not {$1.00} more!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am the SOLE AUTHORIZED ADMINISTRATOR for the PERSON noted as XXXX XXXX XXXX and I am the sole creator and owner of the monetary instrument Promissory Note for the account and property noted to CITIMORTGAGE , INC . Via Certified Mail XXXX I requested that CITIMORTGAGE, INC. returns my property to me and they refused to do so. 
I sent this request on XXXX/XXXX/2016 and have yet to hear anything back. The Promissory Note belongs to me and at no time was this monetary instrument ever the property of CITIMORTGAGE , INC .

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 2016-10-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Media Collections, Inc
State: MD

Complaint narrative:
To Whom It May Concern : I received a call from an individual from Joseph Mann Creed who was attempting to collect a debt on behalf of XXXX XXXX XXXX. There are several problems. First, Joseph Mann Creed contacted me on my mobile phone using an autodialer. When I answered my phone, I was told to hold by an automated voice. I was then placed on hold for about a minute ( perhaps less ), and was then directed to a lady seeking to collect on a debt. I have never provided any written consent to be called on my mobile phone. Second, I do not owe any debt to XXXX XXXX Rental. This is purported to be for damages on a car rental in XXXX. I asked XXXX to provide me with ( a ) time-stamped photos that were taken from the rental prior to mine, and the rental thereafter, ( b ) at least XXXX estimates for the supposed damage, which I suspect is a scratch, and ( c ) documentation that the car had been repaired since I allegedly damaged it. XXXX refused to provide me with this information, and instead told me that my only option was to dispute the charges with my credit card issuer ( which I did XXXX. XXXX subsequently sent the account to a collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I had obtained the services of an ambulance in a XXXX emergency. The Ambulance company is a contracted provider with my insurance and did not bill such correctly, and placed me into collections in error. I have attempted to resolve this matter for well over a year, while this debt remains on my credit report. The Ambulance company has finally billed the insurance carrier, obtained payment in XX/XX/XXXX2016, however the collection agency insists on billing me for the interest accrued and refuses to accept my co-payment that is contractually agreed with my insurance of {$200.00}. The collection agency Manager is rude and aggressive and refuses to allow resolution to this account, despite the Ambulance company acknowledging the error and that only a {$200.00} co-payment was due.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a Best Buy Mastercard for several years. Out of the blue I noticed a {$59.00} annual fee that was never there before. I called and was told they are now charging an annual fee so I asked them to close my account. The {$59.00} fee is still due and I have been told that I must pay it or my credit will be affected. I never paid a fee before, nor did I use the card in many months that would result in a default acceptance of the fee by using the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Hello, This has been an ongoing issue with CITI Bank since XXXX XXXX. The previously filed complaint number is : XXXX I consulted an attorney -- XXXX XXXX, XXXX XXXX - XXXX ) to work on reaching a settlement with CITI back in XXXX and after at least XXXX reassignments of Agents and 18 months CITI assigned an agent to review the case. 
XXXX XXXX Homeowner Support Specialist XXXX, Extension XXXX ( use leading XXXX ). 
CitiMortgage , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX After numerous communications and providing all needed documents on XXXX XXXX, XXXX we were informed that the case has been referred to a negotiator - Attachment # XXXX. 
Later I was informed that the case had been assigned to a Law Firm on XXXX XXXX, XXXX. 
This is is an small example of frustration that I have experienced with CITI and their mortgage operation.

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 2015-11-11 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank 's Credit Card division is charging me a late fee. I sincerely apologized for any inconveniences caused on my end. My card was not valid since the end of XXXX so I did not know there was any balance being carried on my card. I was sent an email by the Citicards, saying a small balance was due, and immediately went to pay the full balance owed on the account when I saw this but was charged fees on top of this balance. I made the payment through my checking account with Citibank. I do not seem to be the type of consumer that the Citibank Credit Card division would credit charges of {$25.00} to automatically. I made such a request through the bank 's online messages. I have been a good cardholder for the company since 2010 and would appreciate continuing the relationship in good faith. I would be open to taking any action which Citibank would be agreeable to to be credited the late fee including closing some of my accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, I opened Citi Gold checking account thru internet. At that time, XXXX bonus points of XXXX was offered with certain requirement. At the time of opening the account XXXX XXXX, I confirmed with an officer of Citi. I fulfilled the requirement in early XXXX XXXX and confirmed with an officer of Citi. Since I had not received the promised bonus points, I have contacted with Citi officer in XXXX twice saying the points would be posted by XXXX. Today, XXXX XXXX, XXXX, I have n't received. I have contacted the Citi and XXXX told me I 'm not eligible since I do n't have any letter saying I 'm eligible to receive the bonus points. My previous confirmation ( more than 3 times ) is noting. It was internet offer to general public. How can I show the letter. Why should I show even I have confirmation from the citi officers ( 3 times with evidence actually 4 times ). I believe Citi must stop deceiving general public with fake promotion. Please make Citi stop deceiving general public. 

Attached plz find the confirmation with Citi Officers. 
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 non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax illegally shared data with others, regardless of whether they put this in writing. Equifax backs up and made it look like my fault. However they share information that only they could have known. When we filed an application with XXXX XXXX XXXX XXXX I used my Middle Name first on the Application. Equifax illegally shared this information XXXX. How come the CFPB puts the fox in charge of the henhouse where the credit reporting companies are concerned. all files regarding the illegal sharing is attached if you are a consumer advocate do something

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I used to have a XXXX credit card from XXXX membership. Back in XXXX XXXX ended its contract with XXXX and transferred all the accounts to City Bank Visa. I received a letter form XXXX stating that all charges put on the XXXX card after XXXX, they would n't be able to generate a bill, as the billing would be transferred to City bank visa card. I had paid the XXXX XXXX to install a new unit in my home and called the owner explaining the situation and he agreed that I could dispute the charge with XXXX and pay him again with City bank card. XXXX took the money back from the merchant and sent me a letter. I paid the XXXX XXXX again with city bank Visa and did a balance transfer on XXXX/XXXX/16 paying off my balance with City visa. so I had XXXX XXXX XXXX XXXX balance with City Bank Visa. 
Soon enough I received a letter XXXX from Citybank Visa stating that I had a positive balance in my account. I told them to send me my money back, and gave them my routing number, " because it was faster '', as I had paid them already. I told them this was the money from the merchant that had provided me services. They also disputed the charges with the merchant ( now for the second time, after XXXX did it ), taking the money away from him, and messing up his account and reputation with his third party credit account charging. I called multiple times requesting these incompetent people to send me my money back XXXX XXXX, XXXX, XXXX, XXXX and XXXX ). They never called me asking questions about what happened and why the XXXX had dispute the charges. But they credited my account with {$4500.00}, so I can spend all this money on them. How wise! Instead, the fools call me asking you if I am satisfied with their services. Totally waste of time as they do n't provide any services to their customers. Until up to this date, they have not sent my money back, I provided information about my account XXXX different times and nothing happens. 
Since the beginning this city bank has been a real mess with the majority of the customers they took XXXX. There is no customer services at all.

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 2017-03-06 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I received a call ( phone message ) from Chase 's fraud unit informing me that someone had applied for a Chase XXXX credit card and that I should call to verify. I became concerned, because I HAD N'T APPLIED for any such card. 
I called my credit protection service, XXXX and they advised me to put a fraud alert on my account, which I did. 
When I called Chase back, they told me that they had ISSUED the credit card. I was livid to think that they would proceed WITHOUT my confirmation. They did not apologize, except to cancel the card. Nor did they agree to file my complaint about their system to their corporate headquarters. I DO NOT have any connection to Chase ... no bank account, no credit or debit card, no loan. 
Since then I received a letter from XXXX informing me that the credit alert was registered and also that I was entitled to a copy of the fraudulent application details. So I called Chase and they informed me that I had to send a written request to them with all kinds of documentation, including police reports etc. 
I can not comprehend WHY I need to supply this information WHEN it was CHASE who initiated the inquiry and therefore I do not have any documentation except what I 've received from them. A letter, which I attached arrived a few days after their phone call message. 
This aspect of fraud protection is NOT adequate and obviously Chase is inept and negligent in protecting its customers. 
I am grateful for your willingness to establish accountability for corporate policy and look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 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 opened a checking account with Citibank under the impression that I would earn frequent flyer miles as part of a marketing campaign. After completing all the written requirements as explicitly written in Citbank 's terms and receiving further written confirmation that these requirements were complete, Citibank 's representatives are now contending that I am ineligible after all and refuse to award the promised promotional bonus as originally advertised. I fear I have fallen victim to an egregious bait-and-switch marketing trap.

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 2016-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MN

Complaint narrative:
There has been a unathorized transactions that occured on my account, I reported this trasaction promply, however the bank did not address this trasaction even though I completed all of the claim forms. I am a victim of fraud and have provided a police report as well. 
XXXX/XXXX/2015 DEBIT CARD PURCHASE XXXX XXXX XXXX XXXX MN ( Cash ) - {$1500.00} XXXX/XXXX/2015 DEBIT CARD PURCHASE XXXX XXXX XXXX XXXX MN ( Cash ) - {$1500.00} XXXX/XXXX/2015 DEBIT CARD PURCHASE XXXX XXXX XXXX XXXX MN ( Cash ) - {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My complaint is on Macy 's card services for their department store credit card. Over the past ten years I have cancelled and reopened at least XXXX Macy 's accounts because they pull the same fraud every time. They send out invoices every other month. If you charge something in the month not invoiced, they automatically carry it over to the next month, where you get an invoice that includes a {$27.00} late fee and an additional interest charge. It is a scam. For years I 've paid them but I 'm sick of it. They need to be fined and ordered to stop this fraudulent process. Attached is a copy of my latest bill. I charged items in XX/XX/XXXX, they sent no invoice in XX/XX/XXXX and sent one for XX/XX/XXXX with {$31.00} in fees on a {$190.00} charge, more than XXXX %. Think of the free money they make on people who do n't bother! Every time I call they take the charges off and then do the same thing again. This pervasive, fraudulent practice needs to stop now! ... 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 2016-07-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XXXX consolidated my XXXX XXXX XXXX cards into XXXX called the CITI Card. 
The CITI card has a higher balance than the XXXX combined. I want to discuss this with them, BUT THEYXXXX WILL NOT ANSWER THE PHONE. I am not certain if XXXX XXXX XXXX card are owed, as well.

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 2016-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My mother is deceased ( XX/XX/XXXX ) I am the daughter executor of will. Her home was sold to her in a deed of trust and she was promised a warranty deed and she never got one and paid cash XXXX in XX/XX/XXXX. Then she found out later on XX/XX/XXXX when borrowing money to paint house the deed was still in a deed of trust and I have the will of the man who sold her this house. XXXX XXXX XXXX XXXX Georgia XXXX. My uncle and this man made the transition 2 years before she ever purchased it in a contract of settlement and now it 's in a security instrument with citimorgage. Citibank made loan over phone she had XXXX and I told them she did and they did that XXXX anyway and this is an investment home there will never be a clear title to the home. Her sister drowned 2 months after mama passed because her husband is the one that took the money and did this. Please help me 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 2015-06-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Lender ( OneMain Financial ) claimed late payments, despite being authorized ACH withdrawals on a specific date. Lender did not attempt withdrawals on authorized date on at least XXXX occasions, and then began charging late fees despite not taking the money on agreed upon date. Lender refuses to refund late fees, and continues to attempt to collect them despite the error on their part. Lender was given written notice revoking ACH withdrawal authorization, yet continued to withdraw money. Lender refuses to make the correction to the account and has initiated a harassment campaign including numerous phone calls, letters, XXXX letters, and calls to friends/relatives. This complaint is also being filed in conjunction with civil litigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I called back around XX/XX/XXXX to cancel my Citi credit card. I called and cancelled before the {$450.00} fee was due. When i called they told me since i called before the fee was due they would credit the fee and i wouldnt owe anything. Well instead of doing that they left the fee on there and started charging me late fees every month on something that I dont even owe. I know i should have logged back on my account and checked it but I had just figured it would all be taken care of. Now citi has sent that account to collections and it has been at collections for over a month and they refuse to look into it and refund me the fees. I think the whole thing is pretty XXXX. I always pay my bills on time and they can even tell you i NEVER had a late payment. No because they did this my credit is ruined and my credit score has dropped over XXXX points. I would like for them to fix their mistake and give me an apology and contact the credit bureaus and get it straitened out with them so my credit score goes back to where it should be and it doesnt show i have an excessively late payments on there. This whole thing is really frustrating and the fact they wont talk with me and fix their mistake really XXXX. Also either the credit card company or the collection agency owes me a little over XXXX dollars in refund that i still have yet to see from either of them. Since i no longer have that card anymore i am not sure of my full account number but i believe it ends in 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