vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am a Citibank Thank You Preferred Visa credit card holder in good standing ( and a Citigold Premium checking account holder ). In XX/XX/XXXX I received a balance transfer offer from Citi Bank with the following offer language : " Lower Rate '' : 0 % promo APR with a fee of {$5.00} or 4 % of the balance ; and " No Fee '' 4.99 % promo APR. I was confused because it says " No Fee '' but below reads " The standard balance transfer fee is {$5.00} or 3 % of the amount ... .. '' so I called Citi Customer service to get clarification. I was assured that the 4.99 % offer was indeed a " No Fee '' offer and that the language about fee was to show what the fee would have been if it were an offer with a fee. 
So I made a transfer of {$2500.00} with the XXXX 4.99 % check provided -- and, despite the stated " No Fee '' ( and the assurance from customer service that this is a " No Fee '' offer ), my account was charged a 3 % balance transfer fee ( {$75.00} ). 
I have written four times to Citi customer service via their website, by fax, and by U.S. mail asking that the {$75.00} fee be refunded but have not received a response of any kind.

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 2016-08-19 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have a credit card with Home Depot. Home Depot cards are issued by/through Citibank. I have a Citibank HD credit card. For quite some time, my credit limit was {$1000.00}. I have never gone over the limit, and I have never paid late. Recently, I have been trying to pay my credit cards off/down to increase my XXXX score. On or about XXXX XXXX, I paid the {$800.00} balance on my home depot card down to {$500.00}, which would be 50 % of the {$1000.00} limit. Immediately after crediting the payment, without notice or justification, Citibank lowered my credit limit from {$1000.00} to {$700.00}. This action immediately changed my credit utilization from 50 % to over 80 %. It is a well known verifiable fact that credit balances over 50 % have an negative impact on credit scores. CITIBANK CLAIMS THAT A RECENT REVIEW SHOWS CERTAIN ITEMS -- those items have been on my credit report for several years, even prior to when I opened my Citibank/HD card. Citibank knew of these credit items before even opening my account. Citibank gives a fake reason, claiming credit issues that it already knew about, that already existed when they opened the account and now claims that suddenly, now they matter. Citibank, and other credit cards, intentionally lower credit limits for the express malicious purpose of keeping lower income/credit persons from improving/increasing their credit score. Even if this is not the express purpose, it has the same impact. Credit companies should be expressly prohibited from lowering a credit limit that has never been late and never gone over the credit limit unless certain stringent standards are applied. Otherwise, credit companies can continue to maliciously manipulate credit scrores, thereby continuing to limit credit opportunities to high cost, low credit cards. The federal policy has been to LOOSEN credit available to consumers. Allowing credit companies to maliciously lower credit limits after a payoff allows credit companies to malicously manipulate credit scores. Why is this even legal?

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 2015-08-08 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wels Fargo ripped me off for {$7.00} to cash a {$200.00} check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 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 walked into the Citibank branch on XXXX XXXX XXXX in XXXX to update the security level of my card before traveling. I was told that my type of credit card does not qualify for extra security protection with a Microchip on my card, like all other banking institutions. so, the associate offered me an " upgraded option to my current credit card, which DOES have that security, along with mileage rewards etc. 
I agreed to have the new upgrade with the additional benefits. After almost an hour at the bank waiting, the application for a NEW card was processed, and I was given a denial of the credit application for a NEW credit card, which I never asked for, nor wanted. Now this report will have a negative impact on my credit report and score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo cost me {$2300.00} and kept home ( double wide mobile home on block foundation ) my off of market for 2 1/2 months ( was under contract ) As seller of home i jumped through all hoops for the HUD loan fro Wells Fargo. They wanted a septic inspection and structural inspection well after due dilligence period was over, 1 1/2 months after being under contract. I had to use one of their septic people to be certified.The septic inspection buyer paid for initial {$400.00} which was dig up lid and pump out, when there XXXX XXXX told me i needen new baffle tee and filed lines pumped out. A new baffle tee was installed 2 years ago and tank was pumped then, house has been vacant for 1 1/2 years. XXXX told me it would cost extra {$500.00}, i told him i did not see the need, he said then it would fail inspection i.e. NO SELL! So i paid the {$500.00} ( can you say SCAM! ). Then 1 week after that the structural engineer said that mobile home did not have enough tie downs ( home was up to county and state code ) and he just happened to know an engineer who has designed a new tie down system that would solve my problem that would be certified just like XXXX was on my septic. The sysytem cost {$1800.00} keep in mind that if i did not use this sysytem it would fail inspection also! Now all work down to be certified, found out yesterday 3 weeks after all work completed that buyer does not qualify for loan!!! NOW I AM OUT {$2300.00}. Why was buyer portion not done first??? Can i sue wells fargo?? Buyer put down XXXX earnest which helps a little ....

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 2016-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Hi, I applied for a promotion for XXXX XXXX miles after opening a checking account and following a couple of terms and conditions. They confirmed on XXXX that I met the offer and fulfilled all the terms and conditions and would get the miles by XXXX. Now they are stating for the past one month that they are investigating this. I have spoken to several people and have confirmed will get the miles, but they do n't show up.

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 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was denied credit as a co-signer for my son 's student loan due to CitiMortgage 's error in process/posting a paid-in-full check from my house closing. In addition, the law firm hired by Citi, XXXX, XXXX, XXXX XXXX XXXX ( XXXX ) also exhibited servicing abuse in regards to this transaction. 
Timing in life is everything. I sold my house on XXXX XXXX, 2010. See attached closing statement. On that same day I received a letter from the law firm acknowledging this transaction so both lender and law firm were cognizant of the closing. I was unaware that the credit bureaus were going to receive inaccurate information that I have forclosed. I was never informed of this error AFTER the closing or allowed to remedy this situation CitiMortgage should have released the law firm the day of the closing. No one acted on good faith and it is a cruel act of servicing abuse where there should have been a PAUSE in the foreclosure process. This is just sloppy and fraudulent practice on their part. I ( and I 'm sure others ) were NEVER given a chance to restructure. 
Unfortunately, the lenders have a history of deficient practices that must stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I found that Citi / AAdvantage Platinum Select Card charged me an additional {$0.00} on almost all of my credit card charges in 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In the last few days ( XX/XX/XXXX through XX/XX/XXXX ) we have gotten 5 calls from a number identified on the caller id as citibank:XXXX. The caller asks to speak to my father, an elserly gentleman. When pressed as to what the call regards we are told he owes {$500.00}, or the caller hangs up. He owes no such amount nor does he have an account with citibank. I am reporting this because the calls are a nuisance and harassing. We wish to report this phone number as a scam. 
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 2016-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ASTA FUNDING INC.
State: OH

Complaint narrative:
I have had a law suit filed against me back in XX/XX/2007. I never received any papers on it. I did not know there was a judgement. This year they sent me a letter stating that they wanted to reopen it. Went to court which did no good. They said that they agreed with the company and ordered me to pay the amount I owe plus interest. It is very involved and would like to talk to someone about this. they have refused to give me a copy of the original loan. I am very upset, now they want to garnishee my wages. I do not owe any XXXX and need this to get cleared up as soon as possible. Please help I am at my wits end and seems like no one wants to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My credit monitoring service has flagged a hard inquiry from CBNA, XXXX XXXX XXXX, XXXX XXXX, IA XXXX on XXXX/XXXX/2016. Online research seems to indicate that this is Citibank. While I have held Citibank cards for many years I have neither used one recently nor have I applied for credit with Citi. I have not authorized this hard inquiry and want it removed from my credit report ( so far at XXXX ). I have had some attempted credit fraud earlier this year and want to be sure that this is not unauthorized activity but can not seem to get any response to my inquiries at Citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank has been callingfor almost XXXX weeks..at firsti thought it could have been a wrong numnber.When i would pick up then the phone would hangup.I get the calls first thing inthe mornings, during the day and pplthe evenings. I contacted a XXXX number and told the person what was happening and they said i should not get any more calls and i just received another from XXXX the same number. 
I have toneved had anaccount with Citibank and when it call it never asks to speak to someone. The number that is calling me is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The credit card company for Home Depot ( Citi ) removed a late charge on my bill that I paid completely, but by the time they removed it, another late charge on the late charge happened. These cascading late charges ( on the late charge waived ) are the only outstanding amounts due this company. The only balance on this card is late charges on late charges for XX/XX/XXXX ( {$25.00} ), XX/XX/XXXX ( {$25.00} ), XX/XX/XXXX ( {$35.00} ) and interest for XX/XX/XXXX on this " promotion balance ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a credit card with citi. In XXXX 2014 I become XXXX and went of family leave through my job. Since then I have been completely XXXX as determined under ssdi as having a permanent XXXX. I paid each and every month a fee for credit insurance if I lost my job, or became XXXX. Well both situations have inhibited myself from laying my bills. Citibank has since reported various delinquencies and have taken legal action against me and have not honored their insurance protection insurance policy that was charged on my credit card statement each and every month. I am now asking that this agency step in and help me force the bank to remove all these negative reports on my various credit reports and have the safeguard credit insurance policy do as it was advertised and the terms and conditions state is is supposed to do and finally put an end to this harassment!

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 2015-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CitiMortgage approved a loan modification XX/XX/XXXX, XX/XX/XXXX learned that they had not approved it after my trustee paying my mortgage payments on time. Went to try and do a loan modification with my lawyer, CitiMortgage lawyer, the employees from CitiMortgage never showed up. They caused me to lose a day of work , drive 2 hours to XXXX to try and do a settlement with them. Had to pay for a third party who never showed up except on the phone to be a mediator. I am on chapter XXXX, previous to filing I have never been behind on my mortgage payment. From XX/XX/XXXX to now the trustee stopped paying my mortgage. Still trying to do a loan modification. CitiMortgage constantly stated my papers were not sent when I have a bankruptcy lawyer doing all of my paperwork and submitting it. Finally I was going to surrender my home tired of the whole process. I received from my lawyer information about a possible loan modification the letter was dated XX/XX/XXXX XXXX, XXXX, he advised me to possibly consider this. I decided to go ahead and go through with their offer. Payment due on XX/XX/XXXX XXXX, XXXX was sent on XX/XX/XXXX XXXX. So on XX/XX/XXXX XXXX I have received a letter that the CitiMortgage went to court to remove my automatic stay. Such inconsistencies. Then I received an email stating that my mortgage has been sold. They have caused me undue stress and at this time I do not know what is exactly happening with my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We previously had an AmEx XXXX card and purchased plane tickets through Delta using the card approximately 1 year ago. AmEx lost their business with XXXX and transferred the business to XXXX. After a recent complaint with Delta ( XXXX XXXX Delta computer crash ) they are going to refund us some $ $ $ but need to refund it to the old AmEx card that the tickets were originally charged to that no longer exists. Delta said I need a letter from AmEx stating the account is no longer valid. AmEx refuses to provide me with the letter. They state that their system will not produce a letter such as that. This is not a credit issue as we have excellent credit. We are already having an issue with XXXX failing to reflect a payment that was forwarded to them by XXXX when I sent a payment to AmEx after the switch to XXXX. I do not want to experience the same frustration.

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 2016-07-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a XXXX checking account on XXXX XXXX, 2016. This account came with a promotional bonus of XXXX XXXX points once certain terms were met. Those terms indicated that {$1000.00} would have to be spent within 60 days of the account opening. I have written confirmation from Citi on XXXX that my account was eligible for the promo. I completed this task and wrote to Citi on XXXX, XXXX confirming my eligibility in the promo and that I met the terms. Citi wrote back that I was in fact qualified and " all promotional requirements have been met. '' I was told the bonus miles would be accredited to my account my XXXX/XXXX/16. 

Once XXXX rolled around and no points were awarded, I reached out again to Citi. This time they 're telling me they need to check for eligibility, despite already confirming. This has been a back and forth conversation with no real answers as I 'm getting charged monthly services fees. I was original told on XXXX that a response would be received in XXXX4 business days. Despite multiple attempts, I still have not received a response from Citi.

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 2017-03-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
Safco hired an attorney ( XXXX ) to collect a debt on my auto loan. I won a settlement agreement against Safco and the attorney due to illegal collection tactics.By Florida law Safco is not suppose to still be reporting late fees and payments to all three credit agencies. This has caused me to be declined for any new loans.This company is still reporting past due payment even though my car was issued an illegal mechanics lien which I had no control over. XXXX made repairs to my vehicle without anything from me in writing authorizing him to do so. Safco was contacted about this and did nothing to resolve the matter. My car was sold to someone else so why am I still responsible for this debt? Why did Safco issue the mechanic the title to my car.I wasnt issued any documentation from XXXX or Safco about my car.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I went to Macy 's and purchased XXXX items. The clerk was pushing me to open a macy 's credit card and told me my purchase qualified for 20 % off ( up to {$100.00} ) if I opened a macy 's card. I did ( it took a while ). I was assured that the discount would appear on my first statement. The receipt for the credit card said something similar : " Your NEW ACCOUNT SAVINGS WILL APPEAR ON YOUR 1st STATEMENT, not your purchase receipts. '' I called Macy 's multiple times ( they were closed originally ( do n't open until XXXX ) ) and had a complex system that did n't recognize my account number ( and wo n't let you in until it recognizes your account number ). I spoke today to XXXX ( employee number XXXX who told me she would " manually '' put in the discount. I asked why it was n't applied originally and she had to go ask someone. I told her I was going to file a complaint. She came back and said it was because the system did n't recognize the delivery of my items. This makes no sense! 

I want Macy 's to be held accountable so folks that do n't have the ability to review all statements and remember the commitments and navigate this complicated system are n't taken advantage of. You should n't have to dispute a bill to get what was promised to you. 

I would like the practice of promising a discount to appear on your credit card statement but not on your receipt to end. This puts the onus on the consumer to try to track down that discount. It should be given immediately when the charge to the card is made. That way the receipt matches the true cost and provides documentation of what the consumer believes she is paying/owing.

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