vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a Citicards account which I closed in XX/XX/XXXX, with a balance of {$10000.00}. Citicards has continued to add as much as $ XXXX monthly interest to this amount so that now the bill is {$19000.00}. I have called them to try to negotiate this amount but I can not get anyone to call me back as they have a dysfunctional customer service dept. They charged this off in XX/XX/XXXX without a contract, or sending statements required by The Truth and Lending Act. There is one month where they charged {$700.00} interest arbitrarily. I have disputed this on my credit reports but they will not remove this item as I believe Citicards is so difficult to work with. My credit card limit ws {$13000.00} so their interest exceeds the credit limit having a further impact financially.

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 2016-01-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I called Citi to understand how merchant reversals work. I was told once the reversal is credited to my account, I can get a refund check or direct deposit to my bank account. One time when I called to check to see if the reversal happened, it was suggested by a representative to sign up online to see when the reversal hits so I do n't have to keep calling in. This call happened XXXX/XXXX/XXXX. I sign up online, I see the reversal. I immediately call Citi to get my check. I 'm told by XXXX that I ca n't get the full reversal amount only the difference between my balance and the reversal. I ask for a manager because at no time before did any representative say I have to pay my balance before getting my check. Now, my bill is due on XXXX/XXXX/XXXX. I made an online payment on XXXX/XXXX/XXXX so I do not have an outstanding bill. Why does Citi make the decision to pay off my balance when I 'm not in default or behind, late or in collections for over 9 years. I explained to the first representative before I told the merchant to do a reversal that I owe people money and that I needed to know how to get the money off the credit card. Again, not one time did the first or any other representative I spoke with tell me that Citi will take a portion of the reversal. Otherwise, I would have tried to get a check from the merchant. I was misinformed multiple times. I talked to the social media representative and she promised me I would get my whole amount and when the check came it was for {$2000.00}, not {$2300.00}. Upon receiving my short refund check on XXXX/XXXX/XXXX, I called to close my account because Citi has made me go into my account to refund these people. I 'm told I can use my thank you points within 60 days. I go to the website and my account has already been deactivated. I have a screenshot if needed. Citi again misinformed me. As a Citi preferred customer for over 9 years, I should get better service than this. Does mean if my bill was {$5000.00} and I got a the reversal they would have kept all of it even though a current payment has been made? The representatives I spoke with are, XXXX Account manager, XXXX, Social media rep, XXXX, XXXX. I spoke with XXXX, XXXX and XXXX all on XXXX/XXXX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Purchased item on Macy 's CC in XXXX. Upon due date of payment, attempting to pay IN FULL on their website, the site was down. I called to make payment - their processing system was down. The representative documented my case and ASSURED me that I may mail payment but NO late fee or interest would be assessed. Received the next months statement WITH late fee and interest. Called to make complaint, which took hours out of my time to wait to speak with management. Was told over the course of THREE months this was resolved and I would NOT receive another statement. Come XXXX, I received ANOTHER bill for {$4.00}. IN anger and frustration, I wrote a complaint on their customer portal, but PAID the {$4.00} PRIOR to the due date in hopes this would finally be resolved. It is now XXXX and I have continued to receive COUNTLESS calls a day from Macy 's collections and continued to receive bills for {$2.00}, then {$4.00}, then {$6.00}, etc ... ( I am unable to answer my personal phone during any of their attempts to contact me, and it has taken at least an hour out of my day on my attempts to contact them. I can only imagine their efforts will be to submit me to collections over these ERRONEOUS minimal charges. As documented, I had already just gone ahead and paid the {$4.00} in XXXX, though was told REPEATEDLY by management I WOULD NOT receive another statement. I have multiple confirmation numbers if needed and I informed the representative each time I spoke with them in XXXX, XXXX, XXXX, and XXXX to record the conversation.

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 2016-01-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macys continues to call my home every other night at approximately XXXX XXXX to try to collect an alleged miniscule balance on a store credit card plus late fees on late fees on late fees. Because I do not believe I owe the anything, I have asked for documentation of the alleged outstanding balance together with a record of payments I have made. I cancelled the card and because they refused to provide documentation, I filed a prior complaint with your agency requesting documentation and the cessation of the unending phone calls. Macys is dragging its feet in responding to the request for documentation and has now requested an additional 60 days, as you informed me in a recent email status report. 
Meanwhile, the phone calls continue. This complaint is to request relief that the phone calls to my home cease immediately pending resolution on this disputed debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have submitted multiple requests ( via certified mail ) for validation of the debt being reported as a derogatory account in my credit file by CITI/CBNA using acct # XXXX ( as shown in my credit file ), in which CITI/CBNA reports in my credit file that I owe {$3300.00}. I have no knowledge of this account and have disputed the validity of the derogatory information being reported to the credit bureaus. I have requested that CITI/CBNA validate the account as being mine, which they have failed to do and have not responded to any of my repeated requests. I have attempted to assist CITI/CBNA with correcting their records to ensure they cease and desist the reporting of erroneous information to the credit bureaus. None of my requests have been answered, and I have not received a single reply from CITI/CBNA regarding this account, but the account shows as verified on my credit report after contacting the credit bureaus about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Dear CPFB, At this point I feel as though I have no other choice than to involve a third party in order to get Citibank to cooperate with me and listen to my valid complaints. First and foremost, I have what was supposed to be a free checking account that I 've held for almost fifteen years without incident, but now almost never use. There appears to be many fees from Citibank attached to this so-called free checking account that I do not understand. Furthermore, when the account for some reason despite almost never being used became overdrawn, perhaps in part due to these mystery fees from Citibank, Citibank did NOT notify me. Instead, they allowed my overdraft account to become totally exhausted, in order to charge me additional interest and fees on the account, that much is clear, but rather than call me when this occurred, they sent me a letter which looked like an ordinary statement rather than call me. Citibank has claimed in said letter that they no longer have my contact information, even though none of it has changed in over ten years. This is either false on the part of Citibank, or it shows extreme incompetence in terms of their record keeping. 

The most egregious part, is that even though I sent a certified letter to my branch begging them to please call me to answer my questions, they have ignored my request and instead reported my as DELINQUENT to the major credit bureaus. Without one phone call, and I have banked there for almost 15 years! I have very good credit, pay my bills on time, and have never been delinquent on a payment in my life, yet Citibank who I believe has a lot of explaining to do to ME in terms of this account has RUINED my hard earned credit. 

This should not be allowed to happen. They should be investigated and they should provide me with the answers I am seeking. I can only wonder how many others may be getting treated like this by a major financial institution who seems to think they have no accountability whatsoever to their customers. 

Regards, 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 2015-04-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX, Sears came out to my home to fix the garage door that went bad. After the service guy looked at what the problem was. He advised me that the springs were damaged and needed to be replaced. Too my understanding from calling them on the phone, the cost of the springs to be replaced would be {$190.00} plus tax, plus XXXX for the service call. I left my credit card with my father to pay the bill which should have been XXXX plus tax which should have been XXXX total. Sears charged my credit card XXXX, which is a difference of XXXX. I called Sears about the invoice and to know avail did would they fix the bill. Not only would they not fix the bill, the bill does not even give a break down of what was done, which would include parts and labor explanation. They have failed to honor the price that was given to me and have clearly taken advantage of the situation by charging me a price that they do n't charge anyone else. I contacted my credit card company who is also Sears and initiated a dispute and to no avail did they fix the problem. I believe that both companies are working together to rip me off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I was having installment payments withdrawn from my banking account by the original creditor ( CITIBANK , N.A . ) concerning debt in question. 
Citibank , N.A . has unethically, unfairly, and fruadulently reported unwarranted debt information to XXXX XXXX XXXX concerning my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank sent me a letter, dated XXXX XXXX, 2015, stating that they were unable to add the IRS as a payee in my checking account due to " customer service reasons ''. 
In their letter, Citibank stated that this policy was stated in their Bill Payment Users Agreement. 
I sent a letter to Citibank requesting them to point out in the Citibank Bill Payment Users Agreement where this policy was stated. 
I NEVER RECEIVED A RESPONSE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is listing an account that is past the 7 year reporting period. 
This account is XXXX/XXXX, account number XXXX. This account was scheduled to be removed on XX/XX/2017. It is reporting incorrectly and Experian refuses to reinvestigate. This account has been re-aged.

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 2015-12-24 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's American Express Credit Card ( " AMEX '' ) failed to deliver my e-statements through the XXXX XXXX XXXX Bill Pay for three months in XX/XX/XXXX. During those three months, AMEX continued to incur and accrue interest and penalties on my account. On XXXX/XXXX/XXXX, I had phone conversations with XXXX different AMEX customer service representatives attempting to resolve the situation. During one of the phone conversations, a representative indirectly refused to mail me the missing statements ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and my request to speak to a supervisor was denied as well. In addition, some of the key information provided by the XXXX customer service representatives during the phone calls was inconsistent with the information listed in the XXXX XXXX XXXX XXXX/American Express Credit Card Agreement regarding the billing statement. 
My AMEX credit card account was opened in XX/XX/XXXX. Since then, there has been no change to my AMEX account and account number and the XXXX XXXX XXXX Bill Pay and e-statements through XXXX XXXX XXXX. On XXXX/XXXX/XXXX, I paid the cumulative interest and penalty of {$100.00} in the XXXX, CA Macy 's Department Store to stop the AMEX account from continuing to incur interest and penalties while the complaint process continues. 
As of today, AMEX has not delivered my missing statements. Please see the attached personal statement and supporting documents for details.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-18 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is crazy, I received a prepaid debit card as a refund and then I ca n't pull anything up online, ca n't activate it online, there 's a sticker to call to activate it, I 'm sure it 's probably lost it 's value as all these cards do ... These cards are basically yet XXXX more way to XXXX consumers. I am certain they are offered to companies at a discount because they are certain people wo n't use them, wo n't jump through these hoops, and mysteriously, they get to keep money that is not theirs and call it 'fees ' is the bottom line. 

To save a step, the card number is XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Threatens to collect the debt using XXXX fraud department tactics and possibly legal action or XXXX without debt credit card collection practices, before revealing it to the consumer. Using letters and unable to identify my person and asking to send without faxes my personal social security card license and other forms of identity. Without good reason or cause for harassment as if it is to protect the consul from creating too much unsecured 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 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I started a loan modification with Citi mortgage in 2011 which was supposed to combine a XXXX & XXXX. I was making payment under a trial period until they qualified me for the modification. Niine months into the process they sold the loan to XXXX after 9 month of making payments which never reduced my principle balance and also they reported me late during the time I was making the agreed payments. XXXX service called me and said they were starting foreclosure because I had n't made a payment in 9 months. I hired an attorney and all they agreed to do was start another modification. I agreed because I was afraid of losing my home.I was told I 'd only have XXXX mortgage so I assumed when Citi sold the serving it included both the XXXX and XXXX because they were differing ,XXXX of the {$26000.00} I owed on the XXXX. Now the loan has been transferred once again to XXXX and they are stating the deferred amount is {$24000.00} which is {$10000.00} more than I agreed to in the signed loan modification agreement with XXXX. My rate is 7 % so I 'm trying to refinance my loan with a lender I know. I 've been told I have XXXX liens against my property and XXXX of them was a XXXX from Citi. I requested my note from XXXX over 45 days ago and they still have n't provided it. Citi reported to the credit bureaus ' that the original XXXX was paid and closed that is why I thought it was transfer to XXXX and was the deferred portion of my current payoff. How can they do this? Say it 's paid and closed and refuse to provide me with a lien release. They are holding me hostage so I 'm not able to refinance to a lower rate. My complaint involves XXXX companies Citi ( original lender ), XXXX ( XXXX servicer of my loan and loan modification provider ), XXXX ( current servicer of my note which they have refused to provide in a timely manner and have added XXXX to the deferred portion of my payoff, which was not supposed to collect interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23 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: SC

Complaint narrative:
This is a continuation of a previous issue with Citibank that has reached another XXXX. Citibank increased my monthly payments XXXX and I have been unable to reach an agreement with them about my monthly payment. I am requesting that Citibank reconsider my request for graduated repayment, so that I am not forced into Collections. I would like to pursue a payment plan that works with my current financial situation and allows me be responsible for my debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Kindly Please help me about my problem with the promise promotion of Citibank. with Citibank Case Number XXXX and XXXX. Account Number ending XXXX.I have waited more than 5 months, all terms & conditions were met, called and emailed more than 10X but nothing happen still I do n't have the bonus interest that promise in the promotion, I asked the customer representative about the bonus they do n't know when and still on the case or investigation and raise another the case. 
PLEASE See the promotion Below. 
How To Earn Citibank {$400.00} Bonus : Fund a new or existing Citibank ( R ) Savings Plus Account with a minimum of {$25000.00} new-to-bank funds between XX/XX/XXXX to XX/XX/XXXX If you fund your account with $ XXXX, then you can earn the maximum {$400.00} bonus. 
Maintain a minimum balance of at least {$25000.00} throughout the next 3 monthly statement periods, and you can earn 10X the interest on your savings for this bonus period. 
The cash bonus will be credited to your Citibank Savings Plus Account within 90 calendar days from the date when you completed all offer requirements. 

Thanks you for the help. 

Please see the attach papers below. and the last email below. 

( Citibank email reply last XX/XX/XXXX ) Customer Service Message Dear XXXX, Customer Service Message Dear XXXX, In response to your Citibank Service request XXXX, please see the attached correspondence regarding your case., please contact Citibank at 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 2016-01-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: FMS Inc.
State: DC

Complaint narrative:
XXXX old, expired checks from a jobs training program were cashed by a a XXXX branch. XXXX checks had been voided and they clearly stated in bold, black lettering that they were " VOID AFTER 90 DAYS. '' XXXX hired FMS, Inc. to collect the debt. Their agent called the XXXX office shouting, demanding money, claiming I was violating the law by not giving it to her. She refused to acknowledge that XXXX was in error by trying to collect on checks they should not have cashed. She refused to provide any proof that they had even cashed checks. She simply ordered me to pay her and then threatened me when I asked for proof of her assertions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation