vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a victim of ID theft and have a case on file with the XXXX Sheriff 's Dept. Case # XXXX and with the FTC # XXXX. I am requesting documents related to this fraudulent activity under the Fair Credit Reporting Act ( FCRA ). This act states " A creditor or other business must give you copies of applications and other business records related to transactions and accounts that resulted from the theft of your identity, if you ask them in writing ''. I have confirmed this requirement with the FTC ( XXXX ) and the Consumer Financial Protection Bureau ( XXXX ). This letter is an official request for documents related to fraudulent applications related to the theft of my identity. On XXXX/XXXX/XXXX a fraudulent application for credit was placed in my name at Macy 's at the XXXX XXXX and I would like a copy of that application mailed to me at the address above in accordance with FCRA. This is a follow up to complaint # XXXX filed with the Consumer Financial Protection Bureau 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 2016-12-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
My account statements do not reflect proper amount owed and payments are not being applied to my principal correctly even after contacting relevant parties directly to correct these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Grant & Weber
State: CA

Complaint narrative:
harrassing me constanty for past one year. even though after i sent signed letter to claim that i need more details. the debts showed up on my credit report without justification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JP RECOVERY SERVICES, INC.
State: OH

Complaint narrative:
JP Recovery Services failed to provide information on debt collection as per Case number : XXXX. Additional details per case number above. Initially the debt was reported for XXXX XXXX, my wife however after we filed a complaint with consumer finance, the debt is being reported to credit bureau under my name. 
We are not aware of this debt, have not received any statements or invoices, JP Recovery services has failed to provide details on this debt and continued to report this debt to the credit bureau. This debt should not be reported to any credit bureau unless a valid invoice is submitted. As per our insurance, we do not owe any balance to anyone including this invoice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-06-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have a private student loan with citibankfor approximately XXXX I filed bankruptcy in XXXX XXXX. From XXXX XXXX to XXXX XXXX Citibank could not contact me due the bankruptcy procedure. I received a letter in XX/XX/XXXX saying I owed the full amount. Prior to the stopping of communication due to my bankruptcy I was in deferment. When I spoke to Citibank when they contacted me by phone I said I was in deferment prior and wanted to know what could be done to get either back on or work with payments. They said I needed the payment in full which was XXXX, I was unemployed from XXXX XXXX until XXXX XXXX, I was receiving less than XXXX a month in unemployment which ended 2 months prior to me receiving my current job which is part time making about the same. Citibank refuses to work with me, they say I will be in default, I am 134 days past due as of XX/XX/XXXX, I was under the impression default is 270 days past due. I am not financially able to make a XXXX payment and they offered to take XXXX which is more than XXXX % of my current pay. I am not trying to not pay, I just would like to either be able to do a deferment or forbearance or make a lower monthly payment.

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 2015-10-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have had a Brooks Brothers credit card for a number of years. They recently switched card servicers from XXXX to Citi. I was leaving for XXXX on XXXX XXXX, 2015. I called Customer Service on XXXX XXXX to find out if there are are foreign currency transaction fees associated with the account. I was informed by the gentleman on the phone that there were none. I then told him to put a notation on my account to the effect that I 'll be using the card in XXXX for the next 4 days and it is not a fraudulent use. When I came back on Tuesday, XXXX XXXX there was voicemail on my home phone telling me to call Citi customer service or my charges would be denied. I called them despite that it was close to XXXX. The saga does n't end there. Upon checking my charges I found out that they are charging me 3 % for each foreign transaction. I called Customer service and explained but they referred me to the Card member agreement that lists foreign currency fees will be accessed against the account. 

1 ) Citi never sent me an updated card member agreement and it is not available online under my account. 
2 ) Citi provided me incorrect information when I called specifically to check if there were any foreign currency fees associated with the card. That was BEFORE I used the card overseas. 
3 ) Citi continued to try and reach me at my home number despite my call BEFORE leaving overseas and that I will be using the card overseas. 

Citi has refused to refund me the foreign currency transaction fees associated with my card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have a Citibank card, and was successfully enrolled in their autopay online program for months. Without any contact with me, they cancelled my autopay and then charged me interest fees when the payment was late. I asked them to reverse the late fees, and they refused. I checked the autopay program, and it was turned off by them because they sent me a new card. I signed up again for their autopay program, and again was charged late fees.

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 2016-05-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
had a sear m/c with an int rate of 26 %, ,contact citibank for rate reduction that was granted at 4.9 %. agreement was to make payments on time and rate will be inplace until credit card is paid off..in XXXX 2016 did not rec 'd statement and contacted sear for replacement statement. recd a new statement where the rate went back to the 26 % int. request citibank to reduce rate back to 4.9 % but they refused..claiming i broke my agreement. i told them i never rec 'd statement and i had no reason to break the agreement which was significantly lower rate that the original rate they still refused saying i broke the agreement..and they refused to honor my request. 

i had to use another bank credit line at a lower int rate of 12 % and a cost of {$700.00} to payoff sears acct # XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Someone duplicate my debit card and the bank closed my account on the internet. When I called to complain, they asked me about the last transaction and they did not charge me for other charges they had then. Four months later I realized that there were fruity charges and after the investigation they reported that I spent a lot of time. I had not noticed these fraudulent charges because they closed my internet account and I informed them that I was out of the country so I did not have access to my account statements. Nor did the operator inform me that there were charges after my last transaction.

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 2017-02-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: URS Holding, LLC
State: WA

Complaint narrative:
Company has mislabeled the debt on my credit reports

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: CA

Complaint narrative:
Had me waiting for hours just to get a direct deposit form which i did not get they had employees walking around doing nothing not even XXXX offered help this is a disgrace if they ca n't operate this branch the right way might as well close it down!! I will never go back and will for sure let people know how horrible they are. Worst experience of my life i hate this bank I 'll stick to 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 2016-10-11 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a notice from Citibank , NA on XXXX XXXX indicating my credit limit would be reduced on my Sears Card since it had been dormant with no balance for 21 months. The notice stated if I made a transaction by the end of XXXX I could avoid the limit reduction. I consider this a form of extortion forcing me to use the card or risk a negative report of my credit report as a result of Citibank reducing the credit limit. I did us the card on XXXX and paid it off on XXXX. Citibank continues to threaten me with a line reduction and reported account dormancy to XXXX on XXXX/XXXX/16.

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 2016-12-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Aspen Yo LLC
State: MN

Complaint narrative:
I have been charged late fees by Gregory Funding while I am in the process of resolving why XXXX is changing of the terms of my mortgage agreement. I expect these fees to be waived after we resolve why my mortgage terms are being manipulated after the fact. The mortgage terms and agreement were finalized on XXXX/XXXX/16. 

In the meantime, I called to XXXX to make my regular phone payment on my mortgage and was told that they would not accept my payment via phone and that I have to mail my payment with an explanation. I have done so. 
I appreciate your help in resolving this situation and confirming the original terms of my XXXX XXXX XXXX mortgage per the five year modification consummated on XXXX XXXX, 2016. 

I am requesting an escrow account history ( insur and taxes ) from : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Loans and 3 ) Gregory Funding. 

As the XXXX Home Loans Mortgage modification explains : Any and all outstanding escrow balances noted on the XXXX Home Loans account will be paid when the home is sold and not until that time. 
thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Macy 's credit company card removes your card from automatic payments without your permission. When you setup automatic payments they arbitrarily removes it from automatic payment with no notification or warning at all, so they can charge you late fees. When asked they blame you as the customer saying you should check your automatic payments every month. But how will you know it 's off when you have been paying automatic for years? The purpose of auto-pay is so you do n't have to check constantly or worry about your payments. Your debit card is in good standing and money is in your debit account, only Macy 's decide to take off your auto-pay and not inform you it 's off so you can know what to do. This is some real shady stuff and I am very upset about this. They also refused to waive the late fees even though I have been with them for several years and have never been late once. I spent 2 hours on the phone with a rude agent that made me feel real bad until I had to escalate the call.They made it so two months worth of your bill is due at once. No remorse to fix that. And another issue with Macy 's credit cards is that they charge you interest/fees for paying off your monthly balance on time! Who does that? Penalize their customers for paying off their bill? Yes, Macy 's. It 's all about getting unearned money from it 's customers. Trying to mess up their credit report and just being plain crooks!

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 2016-12-19 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was not given my FULL Award Miles as promised for opening and using a Citi XXXX XXXX XXXX XXXX credit card. I felt betrayed so I called to close my Account. The customer service team did not want to close the account ; in fact they sent me to the credit card retention department where I encountered a horrible agent who never addressed my REQUEST to close the account. After demanding him to close it with a very strong tone, the agent still did not close it. I then hang up the phone angrily. Shortly afterwards I called back and was informed that my credit card, XXXX XXXX Citibank was CLOSED, without me on the phone to confirm it. The Customer service representative did not communicate with me or read me a closing statement or any type of confirmation. In other words, my XXXX XXXX XXXX Credit card account was close incorrectly and unprofessional. I was absolutely very upset and reached out to several supervisors at Citibank XXXX XXXX XXXX After hearing my complaint, they all apologized on behalf of the agent. I also reached out to my Branch regarding the improper closure but still did not get any proper help, nor did i ever receive my XXXX. XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received an offer to open a Citigold checking account, make bill payments and debit card purchases. This offer was valid until XXXX XXXX, 2016 and had the terms of doing the following within he first 60 days to earn a promotional XXXX. 
Debit card purchases of over {$1000.00} Two consecutive months of bill payments I opened my account on XXXX XXXX, 2016 specifically for this promotion and met these terms with bill payments in XXXX and XXXX and debit card purchases greater than {$1000.00} prior to the 60 days. 
I followed up with Citi in early XXXX to confirm when the promotional miles would post to my account and they responded a week later saying I did not qualify for the promotion, which is blatantly false. I immediately contacted them again and they said they would research the issue and get back to me but did not have a timeframe they could commit to because they are busy. These are classic illegal business practices taking advantage of consumers, including but not limited to : Deceptive advertising Bait and switch Run around I met the requirements of the offer, Citi has confirmed this. I am owed the miles that Citi has promised based the terms and conditions of the signup bonus they offered me, that I have met and included in the attachment to this complaint. I want this resolved quickly without further runaround and delay. 

This is an account that has a $ XXXX monthly fee, so be stalling they are costing me money and opportunity cost for other honest businesses that uphold their commitments to their 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 non-monetary relief
Consumer complaint received 2015-03-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The CFPB resolved an issue for me with a XXXX credit card. XXXX apologized and refunded all late fees. However, Sears is still reporting this issue as a late payment on my credit report. Please ask XXXX to remove the late payment on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Item in my credit report are double and older than seven years. Also there are item listed in my credit report wich state that I recently open accounts and thats not true.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/XXXX, I had overpaid my Home Depot credit card in the amount of {$190.00} and therefore, the card carried a debit balance in my favor for this amount. XX/XX/XXXX, I made XXXX purchases in the total amount of {$960.00}. Within the next 3 weeks, I returned some of those purchases. This led to a net purchase amount of {$280.00}. There was some confusion regarding how this pending overage payment would be applied to my account and balance. After repeated communication with Home Depot was able to resolve this and I made the balance payment of {$87.00}. Home Depot waived all the fees etc assessed while this issue was being resolved. This brought the balance of the account to zero. However, Home Depot still decided to report my account to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I have filed a dispute with XXXX XXXX. I now can prove my charges were not real and I have asked you to call me and emailed several times.

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 2016-10-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello. 

This account was paid in full. 
An arrangement between the lawyer and myself. 
Last week call the attorney to file a complaint Because that still keep it as debt collection {$150.00} He replied that it had been a mistake I was going to erase that negative report. 
This appears in XXXX Report. 
XXXX XXXX Original Creditor Citibank n.a . 
Open Date XXXX XXXX, XXXX Balance {$150.00} Collection Debt {$150.00} XXXX XXXX XXXX This appears in my bank report. 
XXXX/XXXX/XXXX XXXX * GA {$370.00} I need your help please. 
Kind Regards XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I paid off my CitiMortgage loan then they took {$40.00} of my escrow account refund without any notification, justification, or permission. I have made three attempts by phone to get this issue rectified without success.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi closed my credit card account on XXXX XXXX, per their business decision. I understand that Citi has the right to terminate the account per a multitude of reasons - and it was their business decision to do so. 
I had a Citi double cash card - where I get 1 % cash back when in the statement cycle when I make a purchase and get 1 % in the statement cycle when I make a payment. When my account was closed, my rewards were automatically forfeited and I was unable to redeem them. I feel this practice abusive and unfair by Citi - because I could not reasonably avoid it ; Citi closed my account upon my statement cycle and did not allow me to neither redeem rewards on my recently closed statement nor on the statement prior to that. I feel that Citi let me use the card for 2 months - which I used with the intent to obtain rewards - and clearly not making provisions for me to redeem the rewards after they closed the account. 
I contacted Citi to obtain my rewards and I was told nothing could be done. 
I am looking for Citi to give me {$46.00} for the forfeited rewards.

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 2015-10-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Ive been getting calls and they do n't leave a message. I 've had a comminication issue witg this company im the past

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