vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-02 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had a Citi Forward card since XX/XX/2011 and the rewards offered were XXXX Thank You points per dollar spent in restaurants and entertainment. This week I received a letter informing me of the forced migration in XX/XX/XXXX to a new reward scheme offering just XXXX Thank You points per dollar spent in the same categories, devaluating my rewards by XXXX %. Over time the monetary value lost in rewards may be higher than {$500.00}. 

I have called Citi requesting to stay under my current terms or migrate to another card with a similar or better value proposition, but I was not given any option.

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 2016-03-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have Macy 's American Express card that had fraud charges totaling about {$230.00} on XXXX/XXXX/2015. So called Macy 's to resolve this issue and they told me to fill out a form and send it to them and told me they will take care of it. After 4 months, nothing have been resolved and they finally admitted to having that they lost my fraud form so I had to resend it again. But the real problem is that this got into my credit report for no payments made. I have called more than 10 times but I am not sure what else can I do to fix this problem. 
Pls Help.. 
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 2015-10-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I have had an account with Macys for a few years. I have not used the card forever. I called them XX/XX/XXXX 2015 to update my new address because I moved. They said it was updated. The other day. XXXX/XXXX/15, I had my credit pulled and they are reporting me 90 days late. I called them, the same day to resolve this, and they said all the statements had got returned because they have the wrong address. They advised me it was their error and they removed all the fees and fixed my account. They said they would remove he lates from my credit due to their error as well. I called back XXXX/XXXX/15 to ensure this had been done & they advised me they will not remove the lates from my credit because I should have called them to ensure my address was changed. Why do I have to call back to ensure my address is changed? I changed it with them and all my creditors in XXXX 2015. It is not my fault they did not update it correctly. This is not my fault and they have admitted it to me and fixed all the other issues, the lates on my credit are a part of the same issue & need to be removed as well. I am never late nor have I been late with them or any other creditors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Recently, I found a missed credit card payment on my credit report, despite the fact that in over 20 years I have never missed a credit card payment of any kind. The payment was for a Brooks Brothers store card managed by Citibank, and I missed it because I never received a bill. Citi claims that I elected to switch to paperless billing XX/XX/2015, despite the fact that I never use paperless billing for any card and the email address they had on file was outdated. I asked them for screenshots to show me where I selected paperless billing, but they have declined to provide those screenshots. 

This switch to paperless billing coincided with Brooks Brothers changing the bank that was managing their card. The first time I logged on to the new Citi website is when they claim I chose to switch to paperless billing. I presume what happened on that first logon is they fooled me into selecting paperless billing with small print, a confusing question and/or a box that was pre-checked to move to paperless that I did not notice. I say " fooled '' very purposefully. I never intended to stop receiving paper bills and instead send bills to an email address I never use, but Citi insists that I did and it is my fault, despite the fact that they will not show me proof of what I selected. Now my credit score is suffering from this situation. 

I have appealed this to Citi multiple times and have gotten nowhere. When I spoke to them about filing a complaint with the CFPB they discouraged me from doing so - their representative said the CFPB would visit their office, they would show the CFPB that I was the one who selected paperless billing, and they would dismiss the complaint. This strikes me as exactly the reason the CFPB was created in the first place - the bank confuses the customer, the customer complains, the bank says " it was your fault, deal with the consequences. '' On top of that, to tell me " do n't bother going to the CFPB, they wo n't help you '' seems borderline unethical.

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 2015-12-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
My problem is with Citibank. NA of XXXX XXXX, ND and their Citi Payment Safeguard Program. For many years my wife and I had credit cards with that bank and paid XXXX cents per month per XXXX XXXX dollars of charges to cover us in case of XXXX, death etc..My wife died XXXX XXXX, 2015 ( XXXX ) and I sent the bank a death certificate and expected to have the account paid off by that 'Protection ' plan that we had paid on for many years. Several weeks later I received a letter saying that the " XXXX XXXX Winner '' in the family is the only XXXX covered by the protection plan ... If that is the case then why did my wife have to pay for that protection when she XXXX??? If the protection plan covered only me then only my charges on that card should have been charged an protection insurance premium ... .That would seem the proper way to handle it ... Please advise. Thank you ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maine XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a prepaid XXXX card from Citibank that was given to me as incentive from XXXX to open an account. It has an expiration date of XX/XX/XXXX -- 6 months after I opened the XXXX account. There is a balance of {$10.00} left on the card and Citi has told me that those funds are no longer available to me. This seems like theft to me. I earned those funds and should be able to access them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Good day. My name is XXXX XXXX and I currently have a mortgage loan with Citi Mortgage in the City of XXXX. My property taxes were lower by {$1000.00} by the City of XXXX. Documentation was sent over to Citi Mortgage and only to find out, my mortgage will only be lower by {$180.00} for the year. I am current with my mortgage, so I do not understand their calculation. I called the company and they are lying about escrow differences. I was told the same thing by Citi staff last year when they raised my mortgage from {$2100.00} to {$2100.00}. I really need your help to correct this matter because I know I will lose my home with Citi Mortgage scheme. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I brokered a deal with XXXX XXXX, extension XXXX to settle a debt I had with CITIBank, paying XXXX on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX I paid {$2000.00} and made payment arrangements for XXXX/XXXX/XXXX of {$200.00}, XXXX/XXXX/XXXX of {$200.00} and the last payment of {$200.00} on XXXX/XXXX/XXXX. I called on the date of the last payment of {$200.00} to arrange a payment a couple of days late. I was told by XXXX XXXX that the transaction was in process and that there was nothing I could do about it. I said the transaction had not showed up in my checking account she said there was nothing she could do or I could do. It came back insufficient funds and a few days later XXXX XXXX called and made an arrangement for the last payment of {$200.00} which was taken from my account on XXXX which cleared on XXXX. On XXXX XXXX XXXX called and told me that since I paid the last payment late that the agreement was null and void. I told her that I had made the last payment as agreed. I asked to talk to her supervisor she patched me through to XXXX XXXX got a voicemail. I finally reached him XXXX/XXXX/XXXX where he proceeded to tell me my deal was voided by my making the last payment late. XXXX XXXX called and tried to get me to make a commitment of paying the rest of the debt of {$4700.00} when I got my tax refund I told her my dad does my taxes and he usually waits until the last minute to do them. XXXX XXXX XXXX employed the same tactics they did before XXXX/XXXX/XXXX. They called my parents, my work, and me. They called my home and cell phone daily. My account was transfered to another person whom which I told I would not be receiving my income tax until XXXX and that I was not sure that I could pay them because of other obligations. It eventually ended up on XXXX XXXX 's XXXX, ex XXXX desk and I told her my history. She said she could see where my check came back insufficient funds thus voiding the settletment. She said that I could settle for {$1900.00} in Febuary and I told her that I did not have the money. She called me weekly to see If I got my refund yet and on XXXX/XXXX/XXXX she informed me that the offer was of the table and that she could settle for {$2600.00} which I did not have and that she did not want to see my debt go into litigation. I made payment arrangements for {$130.00} to be debited from my checking every month for the next 35 months which I 've been making. I just heard of you guys by reading an online article. I feel I do not owe the {$4500.00} as of XXXX, XXXX statement form XXXX. I thought my debt was settled when I made the arrangement for the missed last payment to be made on XXXX. I got some bad advice from XXXX from XXXX in XXXX who I thought was a part of the XXXX XXXX She advised me not to pay them another dime because my debt was settled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Was instructed to send in my personal info, income, Social Security numbers, eat. To the Capital One XXXX Office attention Imaging center. They have lost my documents. Told me they would have not told me to send in via mail, they did. All conversation are recorded as will show I followed instructions. My personal info is out there somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One decided to restrict my account requesting additional information. This information has been sent to their office numerous times. To date, I have receive no reply despite them taking {$1300.00} from my account on XXXX XXXX with no response as to why when I sent them a dispute letter to the address on my statement. In addition I have XXXX points on the account worth {$700.00} that they will not allow me to redeem. Finally, despite all of the above they are assessing me a {$59.00} membership fee applied to my account on XXXX XXXX. I would like my {$1300.00} refunded in addition to the {$700.00} worth of points refunded. I would also like either my account to be unrestricted or the {$59.00} membership fee to be removed as I should not have to pay a membership fee for a product I can not use nor receive any replies from the inquiries sent to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Kohl 's XXXX is calling my home number under several different numbers and the caller ID indicates it 's either " toll free '', " unknown name '' or " XXXX '' and each number is different. 

They will begin the day at XXXX XXXX. calling from a Kohl 's XXXX number XXXX. Then again on that same number @ XXXX XXXX. Then they call with " toll free call '' @ XXXX XXXX XXXX. " Unknown name '' @ XXXX XXXX calling from XXXX. " Toll free '' @ XXXX XXXX XXXX. " XXXX @ XXXX XXXX. XXXX. XXXX @ XXXX XXXX XXXX. " Toll free " @ XXXX XXXX XXXX. XXXX @ XXXX XXXX. " XXXX @ XXXX XXXX. " Toll-free '' @ XXXX XXXX XXXX. " XXXX @ XXXX XXXX XXXX. " Unknown name '' @ XXXX XXXX. XXXX. 

This has been going on for months. It begins at XXXX XXXX and does n't stop until XXXX XXXX they also use an ID " XXXX XXXX " I get mail correspondence from them. I know I owe them, but to make me get to the point that I do n't answer my own home number to ANYONE is ridiculous. Harassing me is n't going to get this bill paid any quicker. What will eventually happen is that I will get fed up by the constant calling and shut off my home number. Unfortunately, I have a XXXX XXXX XXXX mother that I have to have it for in case of an emergency because I do n't get good signal on my cell. So Kohl 's is pushing me into a corner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Brelvis Consulting, LLC
State: WI

Complaint narrative:
The Student Loan Help Center ( XXXX was the person I talked to at ( XXXX ) XXXX ext. XXXX ) claimed they would set up a consolidation for my federal loans, arrange a temporary forbearance during the process, enroll me in the Public Service Loan Forgiveness, and arrange my new monthly payment to be {$110.00} if I filed married-filing-separately or {$240.00} if I did not change my tax filing status. For these services, they charged me {$990.00}, which I paid in XXXX installments. The first payment of {$240.00} was taken from my checking account the day I agreed to these terms. Within a couple of days later, I submitted a notorized power of attorney release and my federal tax statement from the previous year, which they had requested. 
In XXXX, I received a loan payment plan from XXXX XXXX, the new servicing agency that has been assigned to service my consolidated loan. The payment was set at {$330.00}. I called them to ask why it was so high and they told me it had been set using the information I had given Student Loan Help center. After hearing what had been promised me, the XXXX representative told me that they has terminated their relationship with Student Loan Help Center, that I should file a complaint and take action to get my money back, that I was not enrolled in any forgiveness program, and that the consolidation of my loans caused me to lose any retroactive forgiveness I may have coming once I enroll myself in the federal forgiveness program. They also have notified me that they have denied my power-of-attorney. 
I called Student Loan Help Center to ask why my payment was so high and XXXX, who set the whole process in action, told me that " It will happen. ", but that I would have to talk to another representative, who she forwarded my call to. I was on hold for a very long time and gave up. 
My bank is currently pursuing a dispute of the four payments that Student Loan Help Center has extracted from my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a negative credit reporting alert from XXXX on XX/XX/2016 that creditor, Capital One has placed a 30 DAY LATE on my credit file. The creditor has posted misleading, invalid, and inaccurate information to the major Credit Bureaus. I received a 30 Day Late Payment ERROR which was created by FAULT of Capital One. I requested the alleged 30 Day Late Debt be validated and proof be provided surrounding investigation of why the XX/XX/2016 payment was cancelled by Captial One. The request was not honored nor has the inaccuracy been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I work in the corporate office at Saks Fifth Avenue. My Saks credit account, ending XXXX, is in default after entering my updated XXXX checking account information into the SAKS Online system as well as made a payment though there even though no payment was due at the time -- the account on XXXX XXXX, in fact, reflected a credit of approximately {$100.00} in the Saks Online bill pay service. 

Then I signed in to update my account with my new banking information and made said payment with my new bank account to make sure it worked. When I got in today, five days later, I see I received an email that the payment did go through, although there are sufficient funds in my new XXXX checking account. This morning I 've called Captial One and XXXX XXXX Customer Service several times -- the first call, the operator, XXXX, could not locate my account at all. The second call was disconnected. The next few calls, the Customer Service rep suggested I speak with Saks , Inc. Human Resources and double-check that I entered the correct bank account #. I did everything asked by Saks , Inc. as well as Captial One Card Service representatives. I just signed in and re-entered my new bank account information, and YES, it says it is the same bank information entered last week. However, it will not allow me to use this information for the account, but this is my checking account. PLUS -- the account is now in default, Capital One has charged me fees, but I can not review the complete charges and I 'm being charged an interest rate of 24.24 % as well. As I try to recieve answers and help, my credit score will be affected, and if it is, will make it IMPOSSIBLE to maintain housing within the NY State. In fact, if this happens, I will be homeless, at least temporarily, until it is cleared with credit agencies, and restored to good standing. The last call ( of several on XXXX/XXXX/2016 ) with Captial One Services, I was transferred to " XXXX '' ( who would not give me her last name ). I 'm being forced to repeat this story several times as I 'm transferred, and during ONLY working hours, Now XXXX told me I need to speak to my bank, but would I like to " make a payment now? '' If I knew what I was paying for and could review the charges to my account to make sure my account security was not compromised, I would gladly make a payment. However, I can not view statements on the Online payment system -- or transaction history, it requires they be sent by mail only -- in which interest fees and late fees will accrue and my credit score will be affected. Any help you can provide is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX and XXXX XXXX XXXX XXXX VA XXXX : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXX # XXXX XXXX XXXX

Company response to consumer: Closed with explanation