vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: SC

Complaint narrative:
Lending Club does not allow payments to be made early. You can make a payment early and reduce balance but does not count as the minimum payment due. All credit card companies allow you to make your minimum payment anytime up to and including the due date. For some odd reason Lending Club does not and offers no explanation other than to change the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Around the holidays of 2015, I received a postcard in the mail from citibank. The advertised promotional offer XXXX, stated that if I opened a citigold account, use the debit card to make {$1000.00} dollars in purchases and use my checking account to make XXXX qualifying bill payments, I would be rewarded XXXX XXXX XXXX Advantage XXXX. I used the online chat function to confirm the promotion was for my account and the stipulations I needed to make in order for the promotion to be valid ( please see screenshot attached of online chat ). I have since placed upwards to XXXX calls to citi confirming the offer was in fact linked to my checking account and to call back once I had finished these requirements. I have called back more times than I can count, and it seems that the staff gets just as frustrated with the situation as I do, although they have yet to credit my AAdvantage account and have sent me an email saying I do not qualify for this promotion I 'm not sure if citigroup over extended themselves with their offer, but they need to make it right. Causing a customer to call more than 10 times to have a problem resolves is absolutely absurd. They continue to tell me they 'll look into it, but never call back and do not find a resolution to the situation. The only correspondence I have received is from citi bank NOW saying I do not quality for this promotion and to provide the original postcard to them that I received nearly 10 months ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened a Citigold checking account with Citi Bank in redemption of a promotional offer for XXXX XXXX XXXX miles after completing {$1000.00} in debit card purchases and completing a bill pay in two consecutive months. After quickly meeting the requirements of the offer, I contacted Citi via secure message ( on XXXX/XXXX/16 ) to confirm the satisfaction of the requirements ( reference # XXXX ) and received word that I had successfully satisfied all requirements of the offer and should " expect to receive your bonus miles no later than your XX/XX/XXXX statement cycle. '' Since then I have contacted Citi by phone and by secure message ( on XXXX and XXXX/XXXX/16 ) and they continue to postpone the originally promised fulfillment date, claiming that there is an ongoing investigation regarding my miles and citing the high volume of investigations to justify their reluctance to pay out the miles they had promised. 

I have been in communication with Citi for several months now with no resolution, and have n't been able to get useful responses from the Citi staff regarding the fulfillment of the offer. Overall it seems like the company is just trying to drag this out as long as possible so that I give up and miss out on the points they had promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Citi credit card : I started to notice the discrepancy of Citi credit when I returned my shoes to XXXX store and they reimbursed me, despite not showing up in my account to get this amount back again. I called customer service twice first waiting for half an hour and hang up and the second time too until a very rude assistant replied to me. I did my best in explaining to him that it is not dispute it is already reimbursed but their system does n't show credit it back. The conversation went on and on trying to make him understand and then he consented to credit it. After a while I browsed my account again but did n't seem to be credited back to me although I received email confirmations from them. I decided to pay the balance in the card except for this amount ( about {$84.00} ). Except for few transactions with Costco I did n't this card anymore. Surprisingly they accrued a weird fees for the unpaid amount and when they called me to collect payment and I told them many times the problem is at their side. Finally I paid off the rest and decided not to use this card anymore but I 'll have to file this complain hoping to return the lost money.

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 2016-11-04 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I applied for Citibank cashback card. First they approve it, then they made me send a bunch of documents to verify my account. It has been almost 3 months and I am stuck with a card on my file, which I can not use. When I call back to cancel the account, they say it can not be done because it is still under " review ''. Here is the kicker, when I ask for a manager, I am put on hold for 30 minutes, and then told that he is not available. i give a callback number, which of course never comes back. Apparently, that 's Citi 's way of dealing with unsatisfied customers.

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 2015-05-22 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a XXXX card that was enrolled, without my consent, into a debt protection program. This resulted in monthly fees that went unnoticed due to not being aware of the enrollment ; the charges date back to 2008 when HSBC owned my XXXX ( it is Citibank 's now ). My total balance due hardly declined due to the monthly charges of this protection. Now I owe almost XXXX my maximum credit limit because my deferred interest has reached its deadline and has now being applied to the total balance. I would have much less balance due and interest accrued if it was not for the monthly fee of an unauthorized enrollment in debt protection. If I did not enroll in a debt protection, it is because I did not need it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Years ago I applied for and received an XXXX XXXX XXXX branded credit card. When paperless statements were made available, I signed up. I always had at least 2 years of ELECTRONIC statements available to me. One day, XXXX CANCELS my XXXX XXXX card with NO WARNING and switches to Citi Visa. I have made XXXX requests on the Citibank site to retrieve my credit card statements from XXXX XXXX to XXXX XXXX. The website says the statements will be available in 48 hours. They are NOT. No email. No notice. It 's like my entire history of XXXX XXXX has been wiped away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Have had a loan from One Main Financial for less than one year and recently have had personal events that have made it difficult to repay this loan. To preclude filing bankruptcy I contacted a company called XXXX XXXX, ( a XXXX party company ) in an attempt to set up a repayment plan. Recently, One Main Financial has been contacting me at my place of business in attempts to collect this debt. I am a XXXX work for the XXXX XXXX and these calls are starting to annoy others in my office. At the request Clear One I had not made contact with any of my creditors in order to let the entire restructuring process take effect. If there is anything else you need regarding this matter please contact me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
My income was cut in half, so I was struggling to make my mortgage payment. I contacted CitiMortgage and started the process to get a modification so my payment would be lower. I complied with everything they asked in a very timely manner, although the paperwork was very oppressive and time consuming. I was told XX/XX/XXXX, that the modification was approved and all I needed to do was keep making the modified payments. Three months later, they sent a letter accusing me of not making payments and threatening me with default. I have been fighting them ever since. I have made countless trips to my bank to get copies of cancelled checks to CitiMortgage, to prove over and over that I have made payments that they accuse me of not making. Although I have complied with them on every ridiculous request, they have cancelled my modification and they are demanding over {$3000.00} by XX/XX/XXXX or they will start foreclosure proceedings. They say I can reapply for a modification, but I fear going through the same thing over again. The stress of fearing losing my home is horrible. From the date of purchase until now, I have never even been late on a payment, and my bank records prove that.

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 2015-05-20 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I did not receive a statement via email from Macy 's credit card. As a result I missed a payment of XXXX {$35.00} ( the total balance on the account ). I was charged for XXXX late payments in subsequent billing cycles still without any notice that I had missed a payment or a monthly statement. I finally received a call after the XXXX missed cycle. The missed payment was also reported to the credit bureaus. 

I requested that they update the late payment report to the credit bureaus as I did not receive a statement or a late notice until after the second cycle. They refused to update the credit report. I also requested proof that they had sent me a statement or a notice of late payment via email. They stated they could not provide that proof. 

I never received notice of my statement or a late payment from Macy 's. 

Prior to this, I had a credit balance with them and have never missed a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citimortgage reported my payments as 90 days late on 7 dates and 30 days past due on one date. This was n't the case on even one date. I was supposed to be on an extenuating circumstance plan and paying only interest due. Unfortunately, they 've false reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Due to unexpected health issues and being hospitalized, I was under financial restraints and distracted by physical recovery that most of my finances and credit accounts suffered. I have been in communication with the companies where accounts were affected and I am on XXXX XXXX to getting my accounts back into good standings. I had a phone conversation with someone from Citi and made a payment to bring my account back below the allowed credit limit. I also made a verbal commitment to pay $ 100 monthly until the account was at a {$0.00} balance. I was told the payment I made and the verbal commitment were enough to keep the account open and active. A week later I received a letter from a collection agency for the remaining balance owed from my Citi credit card account. Frustrated I contacted Citi once again and was mistreated by the collections department. I feel as though I was misinformed during both interactions with the company. I feel as though I made efforts to inform them of why my account got backed up. I also made a payment out of good faith and verbal confirmation that the account would remain open and active. I even mentioned to the collections department, that if the original representative was honest with me and told me the amount I paid and verbal commitment were n't enough to keep the account open. Then I would have been able to make different arrangements to settle the balance without Citi canceling my account and selling it off to a third party collections agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My wife and I have a Macy 's credit card. Today I received, in the mail, a notice that they had automatically enrolled us in credit protection program and would charge for this monthly based upon the outstanding balance. I called them and cancelled as I did not want nor ask for this. The reason I am writing is to complain about Macy 's in the context that it should have been an " opt in '' program not something that they could process to customers in an underhanded way and hope that people missed the notice and they could bill them. It was just lucky I read the notice and could just as easily missed it.

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 2016-08-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
I contacted Citibank through their Customer Service line for credit cards @ XXXX on XXXX XXXX, XXXX in order to resolve a long term issue : I have a Dividend Rewards Credit Card offering 1 % cash back on purchases. I requested to redeem multiple checks for dividend dollars earned. XXXX of these checks have never arrived, XXXX dating from XXXX of XXXX. I received an e-mail stating " We 've placed a stop payment on your refund check We sent you a refund check for {$360.00} dated XXXX XXXX, XXXX, but our records show that you still have n't cashed it. For your protection, we applied a stop payment to it. '' However I never received this check, nor the other dividend rewards checks that I had requested. I requested new checks multiple times over the past 6 months but have yet to receive them. I have verified and re-verified my address with Citibank and they are able to send me new credit cards as well as mailed offers but I have yet to receive the checks I requested. 

When I contacted Citibank on XXXX XXXX, XXXX the agent stated that they would, instead of sending another round of checks, apply the check amounts towards my credit card balance. I agreed and they stated it would show up on my next statement. I contacted them again today XXXX/XXXX/XXXX. They stated that they could not apply that amount to the balance and that they could only send a check. I asked to speak with a supervisor. They stated there was no supervisor available, to wait 3 days. I asked to file a complaint or to have a number for the executive office. They stated they could not provide a number, that anything else I required would have to go through a supervisor who was not available. I spoke with employee ID NUMBER XXXX. 

Since I am unable to receive the rewards entitled to me by the credit card agreement for my dividend rewards card my only other recourse, besides legal action is to submit this complaint, in the hopes that my issue may be resolved in a timely manner. It has been 8 months since the original check amount above was issued but never received and over a month since requesting the check again as well as the other checks I am entitled to. The amounts have been deducted from my dividend rewards without redemption.

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 2017-01-21 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received letters from Citi that XXXX of my credit lines were getting decreased because of my credit score. My credit report showed XXXX derogatory tradelines and they were removed with apologies. I contacted Citi and asked them to increase my limits again and they have refused to do so since the balances on their credit lines is high due to the decrease. I have asked if I could send them the documentation but they are not interested in helping me 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 explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I am a victim of credit extortion originating from a company called XXXX. They were connected with a collection agency called Fidelity Information Corporation. FIC has recently ceased operations and has since turned over collections to another collection agency called Fidelity Creditor Services. For a small fee of less than {$25.00} Olddebts.com allows unscrupulous individuals to submit an online claim of debt for any amount desired requiring no proof of validity, how the debt was calculated, or verification the right person is being reported. XXXX states they are not a collection agency. They were however represented by FIC who reports a negative to the CRA 's. All requests for validation made to FIC or FCS are ignored. The consumer is left with no recourse other than conventional means to combat a virtual debt that does n't actually exist. The CRA 's will only accept an automated electronic response from collection agencies to their investigations. Any proof from consumers to the CRA 's of FCRA violations made by collection agencies are not accepted. Fidelity keeps knowingly perpetuating a false claim while holding my ability to obtain credit as hostage. Any and all requests for validation made to Fidelity are ignored. In my case they are unable to produce proof because the debt never existed. The website Olddebts.com clearly states they do not require any validity of debt from their clients while ensuring negative claims against innocent consumers are reported.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
A party named : XXXX XXXX of Financial Asset Management Systems repeatedly calls my home phone number. And, now, he is telephoning my place of employment. I asked him to stop calling me, but he continues to call. During his call, he will not give any information about the debt that I supposedly owe. He asks me for my social security number and my date of birth. I do not give him the details that he seeks, but he continues to telephone me at home and at work.

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