vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
In XX/XX/XXXX I requested a loan remodification due to financial hardship ( I am a displaced worker attending school full-time ) with Citimortgage. I was told by my homeowner support specialists, XXXX XXXX and XXXX XXXX, that Citimortgage would report negative information to the credit reporting agencies regarding my account while the remodification was being processed and that after the remodification was approved and a XXXX day trial payment period was completed that Citimortgage would contact the credit reporting agencies to remove the negative information. The remodification was approved and I was advised that HUD paid my past due payment totaling {$6900.00} and escrow of XXXX a total of {$8400.00} and that a sub lien on my property must be satisfied before I can refinance or sale my home. I co-signed for a car loan for my son, co-owner of the property, in late XXXX of this year and I received several denial letters indicating that there were serious delinquincies on my credit report with XXXX. I requested a copy of my credit report with XXXX and it indicates that there was a maximum delinquency with Citimortgage of {$12000.00} for XXXX and {$6900.00} for XXXX. ( FYI homeowner support specialist also stated that my XX/XX/XXXX and XXXX payments would be included in the remodification and therefore I did not have to make those payments ) The delinquency period reported to the credit reporting agencies was from XXXX thru XXXX. I have contacted Citimortgage several times regarding this issue and this week I spoke with XXXX XXXX who stated that Citimortgage reports to the credit reporting agencies that the loan has been remodified and the delinquency has been resolved in situations such as mine. However, that is not what my credit reports reflects. XXXX XXXX stated that Citimortgage is a creditor and has no control over what the credit agency reports on my file when I advised her of what is actually reflected on my credit report. I also have a credit report from XXXX and it does not indicate that my loan was remodified and that the delinquency has been resolved. Therefore I am fairly certain that the same is true with XXXX. It is difficult for me to accept that a credit reporting agency would report any other than the information they receive from the creditor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: FIDELITY CAPITAL HOLDINGS, INC
State: OK

Complaint narrative:
Fidelity Information C XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Was placed in collections by this company. Received NO notice or any other information about this debt or any action concerning it. 

Doing this without notification is a violation of law. 

If they can place it on my credit report, they obviously have enough info to locate me. 

This is an invalid debt from an apartment complex in which I never lived. 

Have tried to contact them via phone, but have refused to discuss the mater.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Mortgage company advanced delinquent taxes and raised my fixed rate mortgage without properly notifying me. I have not lived in the property for 5 years and did not receive correspondence to my current address nor was certified mail sent nor a simple phone call. They accepted and cashed my regular monthly payment but held funds in suspense essentially holding the funds then reporting me delinquent. I have brought the loan to a current status however the lender will not correct the derogatory credit reporting.

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 2016-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XXXX XXXX I opened a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX Frequent flier miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. These miles are worth at least {$500.00} in travel. 
After enrolling online with the promotion code, I telephoned Citi in XXXX and received verbal confirmation that the offer was attached to my account and I funded the account on XXXX/XXXX/XXXX. I quickly completed the requirements. 
On approximately XXXX XXXX, XXXX I contacted Citi and spoke to a representative named " XXXX '' who assurred me that I had met all the requirements and the promotioal code was attached to my account. She stated I should see the miles post to my account by XXXX XXXX, XXXX In XXXX I secure messaged Citi and received a reply stating : " Our records confirm you met all the requirements for promotion code XXXX. 
The AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 days from the end of the statement period in which you completed all offer requirements. '' In XXXX I secure messaged Citi again the reply was " After further research we see you used a promotion code when the account was opened, however this promotion code was not sent to you by Citibank, regrettable you were not targeted for this promotion. '' I immediately appealed this citing verbal and written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

To date there has been no reply. 

Given that Citi representatives confirmed the promotional bonus and its terms with the opening of the account and both verbally and in writing in the ensuing months, Citi must honor the promotion which induced me to open the account. They have defrauded me of at least {$500.00} worth of frequent flier miles

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 2016-05-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was a victim of identity theft related to my employer, XXXX, experiencing a cyber attack in XXXX 2015 and my personnel information was stolen. As a result, in XXXX 2015 persons unknown used my credit information to obtain a Bloomingdales credit card and subsequently charged {$9000.00}. Despite my sending Bloomingdales a police report, a copy of my complaint filed with the Federal Trade Commission, and a letter from the Office of Personnel Management of the Federal Government acknowledging my personnel file was XXXX that was hacked, and enrollment XXXX who is currently attempting to resolve this matter, they have sent me bills, collection letters and recently a brand new credit card stating " per your request. '' This has been going on since XXXX 2015 and is extremely stressful to me. In addition, they have reported to the credit bureaus I am 90 days delinquent and my credit rating gone down.

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 2016-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank offered XXXX XXXX miles for opening a XXXX account after meeting minimum spend + transaction requirements. 

I met the conditions for receiving the bonus in XXXX and was told by multiple support channels that the miles would post on XXXX. When the miles ( naturally ) did n't post, I was again told to wait until XXXX. As of XXXX they still have n't posted despite *another* letter stating that I was eligible for the 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 2015-07-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I obtained a secured credit card with Citibank XXXX years ago to enhance my credit score. The trade line on my credit report had perfect payment history. My vehicle was stolen along with my wallet in XXXX 2015. All of my credit cards were replaced. The stolen card and replacement cards for Citibank were accurately reporting until XXXX. XXXX credit bureaus have verified that the account was deleted by Citibank " due to fraud ''. I have contacted the bank numerous times to please re-enter the cards because it is adversely affecting my credit score. Several account managers have advised me of ways the company would correct the mistake. I received a letter attesting my account and payment history but it has not been rectified on any of my credit reports. The last person I spoke with on XXXX/XXXX/2015, XXXX XXXX, executive assistant at Citibank, assured me that she would personally call her contacts at each bureau and fix the problem by close of business on the day we spoke. I have left several messages for XXXX XXXX and have not received a return call. My credit report has not been corrected as of this writing. The account is open and current.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was charged interest on XXXX/XXXX/2016, but my balance was paid off on XXXX/XXXX/2016. This credit card was available for use on XXXX/XXXX/2016. The elapsed time was 21 days since the credit card was available to use to pay was 21 days. According to back of the statement, in order to avoid an interest charge, payment is to be made 23 days. A email was sent to Citi Bank stating the interest should not be charged however, Citi only said the charge was made according to the back of the statement.

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 2015-05-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
It all began on XXXX/XXXX/14 with a charge of {$2500.00} by XXXX XXXX in XXXX. I was promised by XXXX XXXX that they can consolidate my Timeshare at XXXX XXXX XXXX XXXX in XXXX Fl. On XX/XX/XXXX I made the final payment {$7500.00} to XXXX XXXX. XXXX XXXX also made a later charge of {$540.00} for a product that was falsely presented to me ; a total of {$10000.00} scam by XXXX XXXX. After all this I got a notice from XXXX XXXX XXXX XXXX, XXXX, Fl that my timeshare is in collection. I lost over {$15000.00} in vacation, penalties and interest for XX/XX/XXXX. 
After investigating I found out that XXXX XXXX in XXXX could not consolidate my Timeshare in Florida. The venture with XXXX XXXX was a scam to rob innocent vacationers and timeshare owners. 
I wrote Citibank concerning this matter several times, only to be shun by them ; they then abruptly closed my account on XXXX XXXX ; jeopardizing my other accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX, I did a balance transfer of {$15000.00} online using my credit card on Citibank website for a {$450.00} fee. However, on XX/XX/XXXX, the full balance plus interest was paid off automatically instead of just the minimum due being paid. The amount was paid off from another bank account. Even though the amount was bounced due to insufficient fund, Citibank tried multiple times to withdraw the fund in the next few days and overdraft fees were charged multiple times. I realized about the error and called Citibank on around XXXX XXXX and they promised to provide me an adjustment within a few days. I did n't hear anything and called back on XX/XX/XXXX, the representative promised to refund the money within 10 days and sent me an email for record. I did n't receive the refund after 10 days and called back on XX/XX/XXXX and on spoke with Customer ID XX/XX/XXXX, she says that I 'll get a refund in XXXX business days. After not hearing anything a few days, I called again sometime in XX/XX/XXXX and got the same response. I called again on XX/XX/XXXX asking to be transferred to a supervisor and the supervisor mentioned that the money will be in my account by XX/XX/XXXX. Currently I still have not received the refund and it has been 2 months. I would like to make a complaint and hope to get this issue resolved. 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 monetary relief
Consumer complaint received 2015-06-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
Prior to my monthly payment due date, I contacted the creditor to set up a payment to come out of my banking account on the due date.A few weeks after the due dates, I was receiving several calls from an unknown numbers and also several messages were left with my co workers at work regarding past due payment which was very embarrassing and put my job at risk. I contacted the creditor and informed them that a payment was scheduled and to, perhaps, be patient until it 'd go through and also to not ever call my job.After coming back from a 3 week vacation, I was told by co workers that this creditor had been calling everyday regarding my account being past due and which resulted in a verbal warning from my manager. I then noticed that the payment had never come out of my banking account. After contacting the creditor again, it was determined that XXXX of the digits from my banking account was missing prompting to the payment not going through.Correction was made on the phone and, afraid that this may occur again, I decided to pay off the remaining balance while I was on the phone with the agent. Several months later, I noticed that account was being reported closed by consumer request and also a late payment on my credit reports which really affected my credit score. Given all the harassments received from the creditor because of a late payment that was not my fault, I decided to dispute the reporting on my credit files. The creditor declined to remove the late payment as well as removing the comment " closed by consumer request '' because I never requested to close the account. I then decided to contact the creditor directly by mail and requested to remove the late payment.The creditor informed me that they have conducted an investigation and that there have no mistake, therefore declined to remove the late payment from my credit files. I then challenged the creditor to go back and review all prior phone conversations and my request was also declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
I transfer my Money from City Bank on XX/XX/2017 to my account in XXXX i have my voucher, It says the money will be on XX/XX/2017.however it never arrive to my Account in XXXX. i have to pay bills and i really neddd your Help. 
Please could you inform to the encharged People. 
My Id as a XXXX is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I had a XXXX XXXX XXXX account which I quit using shortly after they announced XXXX was switching to a different issuer effective XX/XX/XXXX. 
I received a letter from Citibank around XX/XX/2016 welcoming me to their new XXXX card which I had not requested. 
I called them and was informed I would receive the new card unless I cancelled my XXXX account which I did that evening. 
On XXXX/XXXX/2016 I received a credit card from Citibank. 
It is my understanding that it is not legal to send unsolicited credit cards or to open lines of unrequested credit. 
Am I correct?

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 2015-09-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a Macys account in 2014 when they promised a discount on all purchases that day. I later found out that they did not discount as they said so only kept this account for a few months. When I received a statement in XX/XX/2015, it said I owed {$66.00}. I paid this on XXXX/XXXX/2015 and asked that my account be closed since I felt I could not trust this company. Today, I received an email saying I owe them {$4.00}. I called Macys this evening and the woman told me they charged an additional {$2.00} after I paid off the account and now they are adding another {$2.00} on the original XXXX. She could not help me stating her manager would call me at some point but she could not say when.

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

Complaint narrative:
I applied for a Citigold Checking Account XX/XX/XXXX with a promotion to receive XXXX AAdvantage Airlines Miles upon completion of the requirements ( {$1000.00} debit card spend, 2 monthly bill pays in sequential months ). I talked to Citi through Citi 's online messaging tool and the representative confirmed that I had met the requirements and that I would receive the points, and to call back if I had not received the points by XX/XX/XXXX. Since then I have called back for three consecutive weeks in XX/XX/XXXX and was told they are looking into it and there is nothing they can do in the mean time. They are delaying my requests which is costing me additional monthly fees ( I have now been charged {$60.00} worth of fees ) for the account. I am requesting that the XXXX miles be posted to my Aadvatage account and the {$60.00} in monthly fees be credited to 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 non-monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Plutos Sama, LLC
State: FL

Complaint narrative:
Threatened to take legal action and calling my employer 's Human Resources office to include garnishing my wages if either do n't call them back or pay a debt I do n't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I WENT TO USE MY CREDIT CARD AT SEARS AND THEY CUT THEM UP BELITTLING ME,. AFTER OVER 50 YEARS OF GOOD CREDIT THEY CUT EM UP IN FRONT OF ME BECAUSE I DIDNT USE THEM FOR A WHILE, PAID CASH. THAT IS HOW THEY TREAT A OLD VALUABLE CUSTOMER! I WILL NEVER SHOP ANY OF THEIR STORES OR AFFILIATES AGAIN.

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 2016-04-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My Macys credit card had fraudulent charges and after several months Macys has neglected to remove the report to the credit bureau. This has resulted in damaging my credit score.

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 2016-10-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a Macy 's American Express credit card that has never been activated as the sticker is still on the card. My wife was shopping early this year at Macy 's and the clerk was able to charge a {$13.00} dollar dress on that card by using my ssn. In XXXX, I noticed my XXXX score dropped from XXXX to XXXX from another credit card company which shows my score online and tells me the reasons of dropping was due to a serious delinquent account. I requested a credit report immediately and found the Macy 's card was delinquent with over {$70.00} unpaid balance. I called the Macy 's credit department and found my account was enrolled in a paperless statement program which I did not authorized. I explained that I never received any statements and communication about my pass due status and as a result of not having any notifications the initial {$13.00} became {$70.00} due to XXXX late fees and finance charges. The staff on the call was nice and explained the there was a system upgrade and that may have resulted not sending appropriate statements or notices and he waived all late fees. I then paid {$13.00} plus {$4.00} finance charge right way. I told him my score situation and he agreed to check and remove it. As months passed by, I still did not see my delinquent status removed from the credit bureau. I called later and was told it would be taken care of. It never happened. I just checked today and there was no removal of that serious delinquent status from the credit bureau. The card was never activated and a charge was put on by a store clerk. There was not statements sent afterwards and I was put into the paperless program without my consent. My credit score should not be negatively impacted by the errors I did not make. The {$13.00} dollar dress now has caused my score decline from excellent status XXXX XXXX XXXX to fair status ( XXXX ). I was trying to refinance my mortgage and could not get a good rate because of errors made by Macy 's. I request Macy 's to remove the negative info from all reporting credit bureaus and restore my credit rating.

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