vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: John C. Bonewicz, P.C.
State: IA

Complaint narrative:
XX/XX/XXXX I received a letter from the law firm of John Bonewicz for demand of a XXXX account that I never opened. 
I wrote them a letter explaining that this debt was not mine and requested verification of the debt and more information about the account in which I never received. 
XX/XX/XXXX I started receiving harassing phone calls from this debt collector on my cell phone ( which to this day I have no idea how they got that number for I never gave it to them ). 
On XX/XX/XXXX I received a letter ( notice to cure ) from the law office of John C. Bonewicz stating that I failed to make the agreed payments and was in default. First off, I never agreed to anything or entered into any type of contract with the law office of John C. Bonewicz or their client XXXX XXXX or the cited original creditor of XXXX. Secondly their citing the date of the last payment was about 4 1/2 years ago and I have never paid anything on this debt. They sent me XXXX different letters XXXX demanding a payment of {$4600.00} and another letter demanding payment of {$1500.00} ( XXXX letters arrived on the same day ). 
I am on XXXX and food stamps and own nothing so even if these debts were mine ( which their not ) I could never come up with that kind of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have not used my Citibank credit card for a period of time. On XX/XX/XXXX, I made a purchase with the credit card. This transaction was successful, but any future transactions were declined. When I called the Citibank customer services, I was notified that my Citibank credit card account was closed on the same day. I did not have any overdue balance and did n't get an explanation why the bank closed down my account. I am concerned that the involuntary closure of my credit card account will affect 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 2016-05-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
In XXXX of XXXX, I opened a XXXX checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by the end of XXXX. During this time I was charged a monthly service fee of {$30.00}. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$30.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 've done google searches and found forums full of people or are recently having this same problem with citibank. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for. I have documenation through a secure message where citibank told me I had met all qualifications for the offer and would recieve the points by XXXX XXXX. Here is a copy/paste of the secure message : " From : XXXX XXXX Date : XXXX Account Number : Interest Checking XXXX Subject : XXXX : Promotional Offer Reference : XXXX Dear XXXX XXXX, Thank you for choosing Citigold. We appreciate your business and the opportunity to serve you. My name is XXXX and I am pleased to assist with your message regarding the promotional offer for your checking account ending in XXXX. 

After reviewing your account, I found that you have completed the offer requirements for the XXXX ThankYou Points. 
As stated in the offer terms and conditions, the bonus ThankYou Points will be credited to your existing ThankYou Member Account after 90 days from the end of the statement cycle in which you completed all of the offer requirements. Please expect to see the credit on 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 non-monetary relief
Consumer complaint received 2016-10-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I tried using XXXX internet but because of my location it did not work well. I canceled within the 30 day time frame. They are still charging me {$430.00} for non-returned equipment that was returned within the required time. I did not authorize this charge. At the initial phone order they " required '' a credit card for {$60.00} hold fee that she said would not be charged. I disputed the {$430.00} and now while that is disputed they charged me again for {$150.00}. I asked Citi bank to not accept any charges from them and explained it is NOT authorized.

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 2015-12-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I 've been issued a number of late fee that are Unfair and Excessive. These fees violate federal regulations put in place to prevent credit card companies from taking advantage of their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Starting in XXXX XXXX I ask for help with CITI BANK to do a modification our repayment plan, I had XXXX BANK Representatives each told me they could resolve My situation IN 90 DAYS, here it is a year latter XXXX XXXX no one seem to care I also had XXXX a housing Counselor Help me and the day today XXXX XXXX XXXX the day before an auction then they said to file a complaint with you, I had anything but a run around from everybody and now CITI BANK wants {$19000.00} for lawyer and bank fee when this loan should been resolve XX/XX/XXXX before it even got in to FORECLOSURE, I did not know it was in foreclosure till XXXX XXXX when I again ask for help when I got Layoff from my job, I Have a New Job and the BANK does not WANT to work with me or XXXX I have all paper work And e-mail I an tired of all the run around I have gone through to get know were, so I ask you for help to see if we can get this resolve, because you are my last resort HELP me as soon as YOU can because I did nothing wrong all I did was ask for help now I owe 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 2016-05-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was enrolled without my knowledge or consent in " XXXX '' and " XXXX '' ( the name of the service changed ) from XXXX XXXX XXXX. This activity was deemed " unfair and deceptive '' XXXX I never requested this service or product. I never used this service or product. I never was told about this service or product. When I became aware this service/product was being charged to my account every month, I requested it to be removed. It was removed twice and added back on twice to my account without my consent or request. There were many hoops the customer service department had me jump through to remove this from my account. I was told to call XXXX as this was a separate company from Citibank and Citibank could not remove the service from my account. When I did so, XXXX informed me they could not find my account as it required a XXXX digit number and my card was XXXX digits ( the card is a Citibank XXXX, so it is XXXX numbers ). When I called Citibank back, they then transferred me and were able to stop the service, though a few hours prior, I was told that was not possible. I was eventually transferred to the XXXX Department within Citibank. I spoke to multiple customer service representatives. Eventually, after being on the phone for more than 4 hours and speaking to no less than XXXX people, I was able to get the service removed. 

I have paid {$3000.00} into " XXXX '' plus interest. I asked customer service for a " lifetime total '' of what I paid into this service and they could " not release that information to me ''. I requested my past statements to be mailed to me and I was told I could download them online. I began to do so ( you can download up to 6 per day and it takes XXXX48 hours to process ). I was able to obtain XXXX XXXX XXXX before I was spontaneously unable to download any further statements. I was able to pull my past transactions from XXXX which shows the payments made towards " XXXX '' from XXXX XXXX XXXX. The only statements missing are XXXX XXXX XXXX, but those can be estimated based on the other statements. Based on this, I was able to determine I paid {$3000.00} into " XXXX XXXX '' and " XXXX '' over the past 8 years. With interest, who knows. Much more.

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 2016-12-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank advertised a {$400.00} bonus for new checking account customers. Having met all the terms and conditions, including the initial deposit and balance requirements, the bonus has yet to be deposited to my account after the 90-day timeline specified in the offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We made a payment to payoff our credit card after obtaining a mortgage on our home. We called the credit card company several times in an effort to find out if they received the check as it was not cashed. We were told, after waiting for over an hour on 2 occasions, that we sent it to the wrong address, which we advised them was the address on their website. Finally, we were advised that they had received the check, however, there is a credit of over {$500.00} which we were requesting be returned to us by check. However, after calling again at XXXX on a Thursday afternoon and holding on for almost another hour, I was advised by the call center that they were closed and to call back another time. 
Additionally, we received a letter that as the payment was late, this would affect my credit in a negative way. There is no way to speak to anyone and I thereafter wrote a letter to the credit card company. I also went to Citibank to try to get this taken care of, only to be advised that they could not help me. We were also charged a late fee, which I would like returned as they held our check for almost one month before our check was cashed.XXXX To date, some three weeks later, I am submitting this complaint.

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 2016-08-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
As I understand this issue, a student loan account was opened in 2004 for my continuance of education. During this time I had repeatedly tried to resolve the debt through settlement, however, CitiBank did not accept any terms and turned the matter over to a collection agency. The collection firm hired did not follow fair debt collection practices and was forced to remove the charge. CitiBank has now taken this matter a step further and not only have it showing on my credit as a closed/charge off account, but additionally a LATE payment since at some point they have assessed an {$8.00} charge to continue keeping this 10 year old debt matter active on my credit.

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 2015-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a Widow who has asked for assistance, never received it and I am now being harassed by Citi Mortgage. I have a relevant case of extreme hardship due to the passing of my husband. Prior to his death I had never been late ever with my mortgage or had any problems. With my husband now gone my finances have changed drastically. I have been asking for assistance from Citi Bank/City Mortgage since 2012 but they have and continue to deny me help. I cooperated with them fully providing them with all the documents they asked for each month including my prior tax documents that showed our combined salaries and what it had become after his death, I also provided my paystubs and his death certificate. The loss of a spouse is not only the greatest grief but the loss of income is truly a great hardship. They played the usual game and waited 7 or 8 months to deny me. I asked again recently and I was denied again. I needed my loan modified to a smaller payment so that I could keep up the payments, I did n't have far to go to finish paying off the balance. Because Citi denied me help in order to keep up the payments, I used my savings to supplement my income. Now my savings is almost gone and there is nothing left to supplement. I am not behind, not even one month but now I am being harassed by Citi Mortgage each and every week. I have to pay them at the end of the month but I am not behind. I only owe them a total of {$9300.00}, my monthly payments are {$300.00} and would have been able to keep money in my savings to brace against an emergency had I received assistance from Citi Mortgage XXXX where I have a home equity loan would have worked with me. It is only though greed and calloused, mercilessness that institutions play with the lives of those who fallen on hard times. It is a shameful embarrassment the way they are coldblooded and cruel. The only thing I can do is to pay my bills as best I can and City will have to wait to get it until I have it to send. Each week they send me threating letters of foreclosure and modification forms which I will not fill out, I know from past experiences, they have no intentions of helping me with anything but out of my co-op if I ca n't pay rather than work with me towards a solution. I am being harassed. The mistreatment I 've received needs to be exposed and I 'm telling my story. Shame on them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I originally submitted a complain against CitiBank on XXXX/XXXX/16. The case number is XXXX. CitiBank responded to the claim by stating they were sending a check for {$400.00}, the cash equivalent of the points I was owed for a promotion. However, the check never arrived. No one at the CitiBank phone support team was able to help me as they are unaware of the issue. Additionally, the PDF CitiBank attached listed my first name incorrectly as " XXXX '', leading me to believe that if I were to even receive the check, it would possibly be addressed to the wrong person. 

I have still not received the promised compensation as of this new filing.

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 2015-03-31 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Home Depot pushed their credit card on me when I bought a refrigerator from them, stating that it would be interest-free for six months. By the end of that introductory period, I had paid the initial charge of {$2400.00} down to a remaining balance of {$340.00}. On that statement, I was charged {$130.00} in interest. When I called home depot to inquire about it, I was told that it was interest-free for first XXXX months but after that interest would be charged on the entire initial amount of {$2400.00}. In other words, they were forcing me to pay interest on approx {$2100.00} that I had previously paid off before the end of the introductory offer. I can not believe that this is legal and think Home Depot is fleecing their customers. Please advise if this practice is in fact legal and what I can do about it. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have an old credit card account from CITI financial I have been paying faithfully. As of XXXX, the payment address changed, and my payments began to not be cashed through my online billpay. However, the letter I received asking me to call to pay over the phone forwarded me to a number soliciting services, I guess a spam number, XXXX XXXX XXXX XXXX. Completely robotic without an option to speak to a human. There was no other number on the letter to contact a live person. Only by XXXX CITIfinancial and calling an office directly could someone access 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 explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a Citi XXXX credit card with Citibank (Citicards CBNA). When I first got it, I received a phone call (possibly in XX/XX/XXXX) from a service representative that my payment was severely late, and they offered to set up automatic payments right there over the phone. I provided them with checking account information in order to do so. This recurring minimum payment has continued being taken from my checking account ending in XXXX every month, even when I have already paid over the required minimum with other payments.

I am in the midst of a divorce, and soon will not have access to the checking account that this persistent payment is being taken from. In XX/XX/XXXX, I attempted to get the payment removed since I'd set up a new and different automatic payment from my new checking account (ending in XXXX). The old scheduled payment can not be modified through the website, and numerous customer service reps I've talked through over the phone say that they have removed it and it is no longer visible in their system. On repeated calls after the scheduled payment was still listed as active on the website, I was advised to completely remove the checking account ending in XXXX from being listed on the account as that would prevent the payment from being taken. Despite these assurances, the payment was still taken out in late XXXX on schedule just as it had been for almost two years from the checking account that I do not want to be accessing.

Citibank should not be allowed to take money from a bank account that I no longer wish them to, they should not put the onus on me to call repeatedly to try and get it fixed, and should not give me assurances that they are addressing the manner when they are clearly not. They are wasting both my time and energy. The kicker is that after looking at my credit report, there is no record of any late payments on this card at all! I now question whether or not I was actually late on the card in the first place, and what Citibank's motivation was behind the initial phone call to set up this payment setup that they refuse to remove.

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 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX 2016, I submitted a complaint to CPFB, # XXXX. The complaint was about XXXX reporting that I owed a balance to Citibank. I disputed entry with XXXX and asked for documentation to substantiate balance. XXXX could not get documentation from Citibank, yet maintained it on my credit file. I submitted complaint to CPFB seeking same documentation to substantiate balance. It could not be provided and entry was subsequently deleted from Chexsystems file and from credit reports. Citibank collection item has now reappeared on credit report under XXXX XXXX XXXX XXXX. Citibank has not been able to substantiate this debt, and I want it permanently removed from my credit report. Attached are documents from original XXXX claim.

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 2016-06-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: TN

Complaint narrative:
I have bank statements showing were I paid my XXXX XXXX private student loans serviced under AES ( American education services ). XXXX 2016. I received a 30 day late payment report on my credit by the XXXX credit agencies. I was granted a short term payment in XXXX 2016 for 6 months. The payment plan allows me to pay half of the XXXX private loans I have outstanding. My payments are due on the XXXX of each month. I have paid each month on time. My short term payment is now up and I am back to paying the full amount or each loans. I am not sure why they have reported that I was 30 days late when they took the money from my account.

Company response to consumer: Closed with explanation