vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I visited a Costco at the location in XXXX XXXX, Michigan at or around XXXX on Friday, XXXX XXXX. The employee working the credit card station near the entrance made material misrepresentations to me when I applied for the Costco Anywhere Visa Card by Citi. The false statements are as follows : 1. Handing me the terms and conditions of credit card after being told that " I was only applying for a card. '' 2. She handed me terms and conditions for a business credit card, which is a different credit card with different terms and conditions. 

3. I was verbally told that the seven-month, interest-free grace-period would not begin until I used the card. ( Actually, the grace period began to run as of the day I applied. ) 4. I was not informed that my Costco membership would be automatically charged to the card. 

5. I was not given any terms and conditions until after I " applied. '' After reading the terms and conditions, I decided that I did not accept them. We should not have a contract. I do not believe there is one. Still, my credit report will show negative scoring because you issued a credit card in my name without my permission or assent. 

I feel lied to and betrayed. If possible, please remove any discrepancy from my credit report. How will you attempt to rectify this problem?

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 2015-09-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citicard runs a earned points system called " Citi Easy Deals ''. The points earned are based on money spent on the their credit cards, then the cardholder is supposed to go in and use the points to buy in the online store or bid in auctions or daily deals. 

The scam begins whenever they list something in their daily deal, the customer goes in the very second it lists and they always say it 's already sold out. The auction system is equally questionable. 
Citicard Easy Deals should be investigated on this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
We purchased our home in XX/XX/XXXX at the peak of the real estate market in our area. As first time home buyers we were excited but uneducated on the varying types of loans. We qualified and received a 10 year A.R.M. loan. We have diligently made the payment every month on time till XX/XX/XXXX when our rate adjusted and our payment increased {$660.00}. We were aware of and anticipated the rate adjustment but the actual increase was far more than expected or sustainable with our budget. Over the years, we have reached out to several different mortgage brokers for direction. However the outcome was always the same and no one would refinance our loan for the followings reasons ; 1 ) we are self employed 2 ) the loan is not a XXXX or XXXX and 3 ) negative equity. Time and time again the advice was " just deal with the payment when it adjusts '' or " sell the house prior to the adjustment ''. 
XX/XX/XXXX we decided to the best option for our circumstances was a loan modification through our lender Citi Mortgage Inc. We contacted Citi and requested a loan modification. We were assigned a 'dedicated Single Point of Contact ' representative to assist with the process. Paper work was requested. Paperwork was returned. More paperwork was requested and returned. Again more paperwork requested and returned. Its been 5 months and we are still waiting for a decision - " it is still in underwriting ''. 
The egregious processing delay has caused extreme frustration and caused further financial hardship, hardly the help and hope they ( Citi ) advertise.

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 2017-02-10 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
-I was billed {$27.00} fee. It was not denoted for what it was. ( they said it was a late fee. I always pay my bills on time and IN FULL. but they waived it stating it was from XXXX. I paid on time. ) -I was charged {$52.00} for interest on XXXX bill. I paid my XXXX bill on time. 
-it also denoted I had interest charges for all of 2017 at {$100.00}. As I already stated, I pay my bills in full, and on time. I do n't pay interest and I avoid late fees. 


So it is my view that Citibank is charging these fees INCORRECTLY and therefore FRAUDULENTLY to see if their customers are " monitoring '' their statements, to see if they can obtain additional fees. ( The representative actually said to me when I called, " thank you for monitoring your statement. '' ) It certainly is not unheard of in the wake of the XXXX XXXX Bogus Account & Fee Scam, which they were just fined a record amount for their wrong doing ... 
so, if you could please investigate this and see if there are any other Citibank Customers whom have had this occur, it could be a great boon to the common person, the working person whom is getting taken advantage of, once again. 

Much thanks, 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 2016-06-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On my Citi Professional Cash card statement of XX/XX/XXXX, I am being charged a late fee of {$39.00} and interest charges for {$24.00} after I 've been clearly told on many previous phone calls with citcards ( most recent call was on XXXX XXXX ) that payment was due on or before the XXXX of each Month to avoid late payment and interests. I had consistently made full statement balance payments since XX/XX/XXXX to avoid late fee and interests. Because I was mislead by citicards I 've asked for reversal of these fees which one their Citi supervisors said that he 's unable to reverse. I 've been with citicards over XXXX years and never had issues of late payment on my account. The only reason there is a late payment this past month is because of the misleading information i was given.I 've asked citicards to provide me with full disclosure of how billing cycle days are calculated so i can get a good understanding of how due date are changing on my account. Citicards is saying that they can not provide such document. I would like the Consumer financial protection bureau to help resolve this issue with Citicards and get me the reversal charges of {$39.00} and {$24.00}. I think Citicards used misleading tactics to gauge me for additional charges. 

Sincerely, 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 monetary relief
Consumer complaint received 2016-11-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XXXX XXXX, 2016, I used a Citibank Best Buy credit card. The Best Buy first purchase offer was 10 % in reward points for the purchase. I only received 5 % in rewards points. I was told that the item I tried to purchase was n't available for purchase in the store. It was only available online. However, when I tried to buy it online ( {$990.00} ) my {$1000.00} credit limit was insufficient due to sales tax. I was denied the {$49.00} credit limit increase. I was also not advised that I could simply apply {$49.00} in gift cards - then use the credit card. I was speaking with XXXX with Best Buy today and he referred me to a supervisor, XXXX who gave no date on resolution -Case ID # 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 2017-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I 'm writing in regards to our experience with Discover Bank, my mother I and our friend have opened account with Discover Bank each separately, mom was first, about 3 weeks ago the XXXX of us this past week, mom has transferred XXXX to her savings with them when she opened an account and they took that on the XX/XX/2017 then she opened checking we did the same because you have to have savings account to be able to open checking account. They sent mom the checks and the welcome kit then yesterday without any notice they closed all of the accounts i called to ask them they said that i needed to send them copies of my passport, drivers licence and social security i did that 13 times yesterday and they said that the documents are not acceptable that they do not appear clear enough. Today when i called and i asked them to close everything they told me they did because I 'm a ''fraud '' and we all have opened a '' fraudulent account ''. This was absolutely inexcusable, they have degraded us and called us thieves, mean while taking money from our other bank account, i never felt such humiliation, since we came to the states we have never asked anything of anyone we never were in any kind of debt we never owed anything to anyone, for them to call us ''frauds '' is unacceptable. I told them that i will write to consumers report but that 's just not enough they do n't have the right to dirty our integrity nor our name yes i understand that they have never met people like us who work for what they have and never ask for anything. They have not yet returned the money but have closed all of our accounts i also told them that none of us ever had any identity issues we have always been very protective of our privacy none of us ever used any social media to publicize our lives nor did we ever send all of our most important documents to anyone in the way we did to them as they have requested so in the future if anything at all comes up in regards to identity theft they as a corporation will be solely held accountable as we do not take this lightly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied to Citibank and XXXX XXXX for their Advantage Card. They promised XXXX miles and {$100.00} if I qualify. Well, my FICO score is XXXX or so, so that should n't be a problem, I figured. They did n't approve, did n't write back, did n't communicate. I asked them for a reason over my secured email for the accounts I have with them, but they failed to communicate and also what is there to communicate. They know me as their existing well paying customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a call today from XXXX. The gentlemen I spoketo stated they wanted to do a settlement over the phone I said no I need it in writing. He took this as a refusal and stated that they will be filing a suit and the IRS will XXXX me. I also told him the attempt to collect a debt is past the statute of limitations he did not seem to care and continued to harass me about the settlement of the debt. I was then told that something on paper could be mailed to me once the settlement had been approved and agreed to. I was also told nothing else could be mailed out because letters were already sent to my address. Which were not.. After getting off the phone I received XXXX more calls and a voicemail from the same company mind you I had returned the first phone call. As I called a second time to let them know this was already discussed a women told me I blantently lied stating she shows I talked to someone on XXXX XXXX and its not possible I talked to someone today as that person was out because of the birth of a child. Of course I was angry. Upon looking these folks up I have come to the decision practices like this need to be stopped and the FDCPA enforced. I will take further action against said company as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have disputed with Sear credit card home improvements, the disputed amount was XXXX , which was related about the kitchen renovation not done correctly, used faulty faucet appliance, water leakage. After submitting the complaint, they continue to charge with the promotion interest. I have called several times that resulted no solution. I will like to file complaint against Sears Credit card in regard this issue.

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 2016-05-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX sent me a notice months ago that they are going to discontinue my XXXX XXXX credit card that I have through XXXX. The notice said that I would be getting a Citi Visa credit card as a replacement for the XXXX XXXX card. I then contacted XXXX and told XXXX that I did n't want there Citi Visa card. They told me to contact Citi when the Citi Visa card was delivered to me. I was told by XXXX that I could n't decline the Citi Visa card that I did n't want in the first place. The card recently came in the mail. I called XXXX, Citi Visa, and XXXX XXXX. I was told by XXXX that I could contact XXXX XXXX, cancel my XXXX XXXX XXXX card now ( before XXXX/XXXX/2016 ) and that the Citi Visa card would never be activated, and that I would not lose and accumulated XXXX XXXX rewards. When I called XXXX XXXX they said that I would in fact lose all accumulated reward points unless I waited until XXXX/XXXX/2016 and allowed the Citi Visa card to be activated. I do not believe that I should be forced to open a Citi Visa account that I never asked for, that I have tried every way possible to decline, and be subject to forfeiting accumulated XXXX XXXX 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 2016-02-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: IL

Complaint narrative:
On XXXX/XXXX/16 I called Lending Club, XXXX XXXX XXXX, XXXX XXXX, CA. @ XXXX CST ( XXXX ) XXXX Pacific Time. I wanted to pay off in FULL my XXXX loans. The XXXX loans {$5000.00} AND {$5200.00} Loan # XXXX AND loan # XXXX. I had all required documents, a check book to give them permission to pay the loan. I was told by a employee XXXX that I could not do that payoff until Monday! This was Thursday. I was also given the balances as of Monday XXXX/XXXX/16. The first loan # XXXX has a 25.80 % interest rate with a 29.72 APR. The second loan # XXXX has a 19.99 % interest rate with a 23.77 APR. So i asked why? The explanation was that they could not do that TODAY. I said what about Friday? I was told they could only do this on Monday! WHAT I explained to the employees that I was aware of the terms and conditions of the loans, stating NO PENALTY for early pay offs. I asked to speak with a supervisor This supervisor told me the same thing beiing very rude and short with me. I asked what my daily interst rate was until Monday. She refused to answer. I wanted to get her full name or employee number. ALL she said was XXXX. I asked again for her last name and she said that was a privacy matter. She did not fully identify herself to me. I went through the entire situation again and no results! At 25.80 % for four days that is {$51.00}. At 19.99 % for four days that is {$42.00} That is a lot of Money. If they do it to me Im very sure they do it to others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was not aware when I first entered repayment. Because of this, I fell behind in my payments. The monthly payments ( without the late fees ) were already impossible to make without assistance ( approximately $ XXXX/month ). When I spoke to Citi, they told me " ask your cosigner ''. I informed them that my cosigner 's financial situation had changed and could not help me. I asked if there was a way to change my monthly payments or to return my late payments to the principle so I could try to make my payments. Every time I was told no, there were no options for me. When they asked why I was behind, I explained that I already was struggling to make the basic payments and they responded by offering that I could do a payment plan where I pay more each month until I caught up. I explained every time that I work XXXX hours a week and only take home {$250.00} a week. During these hours, I can not answer my phone, but they never would leave messages so I had no way of knowing who was calling or what was happening. Every time this was explained, they said they would make a note on the account, but nothing ever came of it. Citi began threatening me that the account would be charged off and I had to pay over {$2000.00} immediately every time I called to talk to them about the loan. Because of these problems, they referred the debt to a collection group, but did not sell the debt. I spoke to the collection group and was told I had to either pay {$21000.00}, lump sum, or monthly payments of {$720.00}. I tried again to call Citi to try to come up with a repayment plan with them. The loan was still in their possession but they would not discuss the loan with me and kept directing me to call the collection group, telling me that the debt had been charged off. I asked the representative directly if Citi still owned the debt or if they had sold it to the collection group. I was told yes, Citi still owned the debt and that the collection group was only collecting for them, but Citi still refused to speak to me about the debt. I have XXXX to make it possible to live a normal life. Because of the extreme debt burden, I was 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 2016-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK CAPITAL FUNDING CORP
State: PA

Complaint narrative:
We sent paper work three or for times, had four closing dates the last one was not canceled til XXXX XXXX when closing was set to happen at XXXX XXXX paper work was not right and the seem to come up with a closing cost that should have been our sellers assist plus the sellers took money of for repairs and some how our closing cost was almost {$7000.00} more then were told or expected which put off us doing some really needed repairs. It took a extra month to close and almost lost the house cause the sellers almost pulled out. It really cause my wife and myself some real stressful moments.

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 2015-10-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
My Citibank/Best Buy 's account was credited {$430.00} on my behalf by my bank for payment on XXXX XXXX, 2015. Payment was due on XXXX XXXX. The amount paid/credited to Citibank/Best Buy covered the entire balance on my account. Citibank/Best Buy has charged, and is continuing to charge late fees despite electronic records showing that the payment was timely received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC
State: CA

Complaint narrative:
Our insurance has paid more than what was the contracted rate and my family has a deductible per year and was met for that year. Just because and XXXX states patient is resp does not mean a patient is resp. If XXXX has a deductible and it has been met the patient has no out of pocket expense what so ever. Just because you go to an emergency room and a emergency room Dr sees you does not mean to double bill the insurance with XXXX different facility names that is still double billing. I now my rights as far as biller goes and I know when a XXXX is a duplicate claim. I have notified our health insurance with this issue let them know that we are being sent to collections and this is a white collar crime and my civil rights are being abused and this is fraud. Per our XXXX it states clear as day on it that charges exceeds the area 's usual and customary charge amount. I notified our health provider multiple times and they even stated they are billing way to high for a bill that has been paid more than what was allowed. and now collector and hospital are trying to collect in error.

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