vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I logged onto my Bestbuy account to make a payment and noticed a deferred payment for XXXX dollars for Life Insurance. So I called CitiBank who is the creditor for my best buy credit card and they said that I have been paying .XXXX cents for every {$100.00} dollars on my account since 2007. I had no idea about this and then I asked them how much have they taken from me in this time frame and the customer service rep said XXXX Dollars. So I told them to cancel my protection plan, in which I did not sign up for anyways and that I want my full refund of whatever they took. No resolution has been made as of yet and it 's been a month later.

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 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.

Complaint narrative:
I have repeatedly tried to close my checking with Citibank and they have not closed it. I am no longer in the United States. This makes handling the matter very difficult. 

I first requested to have the account closed on XX/XX/2016 ( XXXX Eastern Standard Time ) via online chat with a Citibank representative named XXXX. He told me that the account would be closed within 2 business days. I received the cheque with the remaining balance on XX/XX/XXXX ; however, a letter later arrived welcoming me to Citibank, followed by another letter with an ATM card. On XX/XX/XXXX, I posted a letter to Citibank. This letter repeated that I had instructed them to close the account, had not requested a new card, and again, instructed them to close the account. 

I have now received an email on XX/XX/2016, informing me that I have a new message on the online system concerning my account. I can not access this message, as I no longer have the relevant details. I am quite frustrated by this constant back-and-forth across national borders for what should be a simple administrative task. I am also concerned that the account may be accumulating fees, and will therefore create difficulties for me if I attempt to re-enter the US in future.

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 2016-05-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Hello, I mailed a payment via a XXXX XXXX money order on XXXX XXXX, 2016 to Citi for the amount of {$490.00} to make a payment on my credit card ending in XXXX. This money order was cashed by Citi on XXXX XXXX, 2016. I also mailed another payment via a XXXX XXXX money order on XXXX XXXX, 2016 to Citi for the amount of {$490.00} to make a payment on my credit card ending in XXXX. This money order was cashed by Citi on XXXX XXXX, 2016. 

Neither of these money order payments was posted to either account. After two weeks of nothing posting, I contacted Citi via online message about both of these money orders and they claimed that had never received them. I filed XXXX lost money order claims with XXXX XXXX at {$15.00} a piece to track down the money orders. I have just received copies in the mail of the money orders confirming that they were cashed by Citi on the dates listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-21 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: ERC
State: TN

Complaint narrative:
I have no knowledge of said debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have spent countless hours trying to get this case No : XXXX resolved and the negative information removed from my credit report. In XXXX, CitiFinancial agreed that they had made an error in reporting Account Number XXXX to the credit bureaus. This account was removed from my XXXX and XXXX credit bureaus, however, It is still showing up on my XXXX and is causing my credit score to be lowered because of negative information. I am in the process of purchasing a new home and need this matter resolved ASAP. Please help me " FINALLY and TOTALLY '' get this negative information removed from my credit report. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank has set up such a ridiculous infinite loop of stupidity that it surprises me that it can operate as a company!!! 

Its XXXX Department needs a Fraud Department to monitor it! 

Upon receiving an automated phone call from that department in response to a recent transaction I had attempted to put through, the questions that the system asked were unanswerable do to the lack of detailed information provided regarding the transactions to verify, however, I still responded as " confirmed '' for those transactions just to try to get it resolved. The " electronic operator '' then states my card is cleared, yet I could not even purchase a bowl of pasta afterwards! Then, when calling the Fraud Department later to talk to live people, I 'm told that the 24/7 fraud department is unavailable and to call back in a few hours!!!! Thank XXXX I was't in an emergency situation!!!!! The Citibank Fraud program needs a serious overhaul, I am sooooo disappointed in this company! And, this in NOT the first time this issue has occurred!

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 2016-10-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have asked Citibank to investigate an invalid charge on my account for months. They have failed to investigate this incorrect charge and need to refund my account. Posting Date of XXXX/XXXX/16 XXXX Reference Number 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 2015-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC.
State: GA

Complaint narrative:
Already been instructed to contact this office for your XXXX to check writing school information. You waiting to do so at this point the appropriate registration papers will be submitted in complete. Please have any representing council contact us for further directions. The office is toll free number is XXXX. " Neither I or my husband know what this is about and they will not disclose that. I have had several messages left threatening to file something with the sheriff in my county and all kinds of nonsense.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was approved for a tier 1 first mortgage HAMP back in XXXX with XXXX ( the loan was formerly with XXXX and XXXX XXXX XXXX originally approved the Mod prior to the transfer to XXXX ). I also had an outstanding HELOC with Citibank and it is my understanding that once your 1st Mortgage HAMP is approved and you 've gone through and met all the requirements of the trial period that you are then officially in HAMP and as such now automatically eligible for the 2MP program for 2nd mortgages. In fact in reading through the " Making Home Affordable Program : Handbook for Servicers of Non-GSE Mortgages '' it is my understanding that 2MP should have automatically been offered to me by Citibank yet they did not. Why did n't they offer it to me in XXXX once the HAMP was set in place permanently?? 

Citibank recently contacted me stating that my HELOC would reset in XXXX of XXXX which prompted me to look into finding out which solutions might be available in order to keep payments affordable. This is how I came across the fact that I should have been eligible for the 2MP with Citibank back when my HAMP first became permanent. I contacted Citibank to begin the process of getting my HELOC into the 2MP program and they said they could n't verify that our first mortgage was part of HAMP. I 'm very frustrated that they are not willing to do the work necessary to match up my first mortgage HAMP with their 2MP modification program for my HELOC. I need someone to advocate on my behalf so that they will formally acknowledge that I do in fact have a 1st mortgage HAMP in place and that I am eligible for the 2MP because of this. I 've already sent over documents from my 1st mortgage stating that I was accepted into the HAMP program so why is Citibank not acknowledging that I qualify for 2MP? And why are they putting me through the entire application process from scratch all over again when they should just take what was approved for first HAMP and apply matching terms to 2MP?

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 2015-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Solidus Group LLC.
State: NC

Complaint narrative:
This company is routinely calling me threating to serve me a subpoena at my place of business and/or my residence. They are using a robotic voice and wo n't stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I signed up for a Citibank Citigold account with a sign up bonus offer ( XXXX Thank You Points ) that I received in the mail. I met all the requirements ( XXXX consecutive bill pays for two months ) of the bonus and did not receive it. I called and talked to a rep who told me I met the requirements and would receive the bonus in 1 month ... it did not come. I called and talked to a second rep who told me I was good to go and they would apply to my account in another month ... it still did not come. I filed multiple complaints with them and they said I was not targeted, even though I was via mail. Furthermore even if I was not, they told me on multiple occasions that I met the requirements and the points would come in.

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 2016-12-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this money and by law if the consumer ask for validation they must also show proof of signature. XXXX XXXX have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with XXXX XXXX, never signed a contract, nor do I owe them any 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 explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Borrower requested a payoff statement from Citibank on her Home Equity Line of Credit and was not provided with a payoff statement within a reasonable amount of time. The excuse is that the HELOC was in default. But the fact is that there is never a late payment on this lien. I was in default on the first mortgage and Citibank automatically put my HELOC in default. I actually paid off the first loan on XXXX/XXXX/2015. So there is no default on any loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-15 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 up a CitiGold Checking account in XXXX 2015 under a promotion at CitiBank which promised a specific bonus of XXXX XXXX XXXX points for meeting certain requirements. I used the correct promotion code and was provided with a summary of the promotion when I opened up the account. I have met all the requirements and CitiBank is not honoring the promotion. I have opened up a case with them, had it escalated, and have been told 4 or 5 times by customer service agents that I met the requirements but they have to escalate it for approval. The escalation team has come back each time and is denying to provide me with the rewards because they state I was not targeted for the promotion. I told them I have a copy of the confirmation page when I opened the account but since it does not have my name on it, they will not honor it. I think this is very dishonest and feel I have earned the bonus and it should be awarded.

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 2015-08-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi mortgage viciouslly pull my credit report without my approval, I did approved once not twice. I want them to stop this, also misspelling my name and incorrect address on important forms. Not responding to my calls. I send emails and they have no idea way this happensXXXXXXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX this is his contact informationPlease I need them to stop this unfair practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My household is continuing to receive calls from this company via an automated dialer. We answer the call, but no one is there. 

After the second call failure, my husband, XXXX XXXX, called back the number on the caller ID. XXXX - Operator ID XXXX was very confrontational and rude. He had no desire to try and help with this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
The issue here involves a dispute that was filed on my Citi Preferred card. This was in regards to a merchant I was dealing with XXXX. I charged a bedroom set of furniture from XXXX and also a delivery and set up charge all on the credit card. XXXXl delivered an item broken and I refused the item and requested it be delivered at another time. XXXX failed numerous times to deliver the item per the agreements that we had. After a couple of attempts, much customer dissatisfaction, and no help from the merchant I chose to pick the last item up myself. The agreement of ALL items delivered and set up was never satisfied. I disputed the charge with my credit card issues for " Services Not Provided. '' This situation clearly met the intent of XXXX 's charge-back guidelines for services not provided. After more than 120 days of the disputes, Citi has inexplicably decided to rebill the delivery charge to my card and refuses to work further with me, stating that all future dispute is to be directly with the merchant. I believe that Citi has not acted appropriately with the dispute and is not meeting the intent of the XXXX charge-back guidelines and not meeting the intent of Regulation Z. As a result this merchant is receiving compensation for a service they did not provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I was contacted in XXXX 2015 by XXXX that they were cancelling my XXXX accounts due to a charge off by Citibank. I was stunned to learn that Citi bank had charged a student loan to my credit status that I was to have co-signed without my knowledge or consent. I have asked for information and verification from the Citibank and they have not submitted the information requested. I asked for copies of my signature on the loan a copy of the check bearing my name, any phone calls made to me or any communication made to me or attempts to contact me to inform me of this account prior to charge off. I have not received any of the information requested. They send me copies of documents bearing no signature however marked electronic signature was taken. I asked for how they authenticated my identity I was told by information on my credit report no direct communication was required apparently. I asked for a log of phone calls made to me, none was made, I asked for a copy of the check bearing my name there is no record of this. I asked for collection procedures and I was mailed a series of letters mailed to an address I do not live at. My Credit score was in the high XXXX to XXXX range and to have it intentionally destroyed without notice was devastating. I have attempted to resolve this matter with Citibank however they have refused to provide the information requested or try to assist in any way. I asked why was a credit report not pulled to reach me and I was told they do n't pull credit reports however they pulled a credit report to acquire my information to give a loan without making contact with me in anyway. I find it very disturbing that money was granted on an electronic signature and without getting my approval. NO effort was made to contact me. It would have been resolved very easily with a phone call. However my credit was destroyed without any attempts to collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 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: Consumer Collection Management. Inc
State: MO

Complaint narrative:
CONSUMER COLLECTION MANAGEMENT continues to report derogatory information to my credit report on an account that has been paid in full with the original creditor. I have requested this company to stop their attempts however, they continue to report false information. 
XXXX is the original creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I had a Citibank Credit card that was included in a discharged bankruptcy. I accidentally made a payment to that closed account through online banking. I am XXXX and sometimes have trouble with my XXXX. After the money was taken from my account I spoke to the bank and found out what happened. I immediately contacted Citibank and was told that XXXX XXXX XXXX was had the account. I contacted them and was told that they had not received the money from Citibank yet but that I would need to fax a refund request to them. The funds came out of my account on XXXX/XXXX/15 and I faxed my request for refund on XXXX/XXXX/15. I made numerous follow-up call checking the status of the refund. I was finally told that the funds were received from Citibank and that in order to process the refund that I need to fax proof that the funds had been taken out of my bank account. I faxed a copy of my bank statement showing the debit on XXXX/XXXX/15. I called back a few days later and was told that it had to be sent to a supervisor to process. I continued to call and was told that they would email the supervisor to follow up. On XXXX/XXXX/15 I called and was told that usually any payments received are considered voluntary payments and may not be refunded. I explained that I a m XXXX and on a limited income and that this was part of a bankruptcy that was discharged and that the debt was no longer owed and that I had received my form to show the bad debt on my taxes and that I would not make payment for a debt I no longer owed! I was to that a follow up email would be sent and to call back on XXXX/XXXX/15. I called back to find out when the refund would be made and was told that the supervisor said that it would be considered a voluntary payment unless I could prove that a third party made it. I asked to speak to the supervisor and was told that she was busy helping another customer but that she would send her an email letting her know that I would like to speak to her. I was transferred to a voice mail and left a request for a return call. I have not received a call back and based on the past XXXX moths experience has no confidence that I will hear from anyone at the company. 
I have been mislead the entire time and forced to disclose my personal information in an effort to recover money that Citibank nor this company is entitled to as the debt has been charged off and cancelled by the discharged bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened up a credit card with terms that if I spent a certain amount I would get a bonus of XXXX miles. I did that and the credit card did not honor 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 explanation