vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XXXX XXXX, 2015, I charged XXXX to my Citi Health Card account for vetinary services rendered at XXXX XXXX XXXX. I was to receive 0 % interest if the credit was paid in full ( do n't recall but between 1 1/2 to 2 years ). When I received my XX/XX/XXXX statement, I noticed an interest charge of XXXX. I called CITI to dispute the interest and was advised that XXXX XXXX XXXX entered the transaction wrong. They said that the veterinary center did not enter the promotion code. I immediately called the veterinary center and told them about the problem. 
The veterinary center called me back when they corrected the issue. I continue to receive finance charges despite numerous calls to CITI Health Card to resolve the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I recently received a notice from a collection agency that said I had an outstanding balance on my Macy 's Credit Card. I have not used this card for in over a year and have always paid the balance. When I contacted the company they informed me that they did not have the correct address or phone number for my account. Although the Collection Agency did not have any problem finding my address. I told them that I had move over 6 years prior. I have never received any notification from the company that there was a balance of $ XXXX was on my card since XXXX 2015. They now say I owe them {$250.00} in late fees and interest. They indicated that they never received the billings that were sent back. I did not receive any billing or I gladly would have paid the {$37.00} which I offered to do in my letter that was sent as a dispute. They denied my dispute and say I still owe them for a bill I never received. Citibank has not been reasonable in trying to resolve my 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 explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax reporting incorrect information. specifically, a negative XXXX XXXX account that is not mine thus impacting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
In XX/XX/XXXX, I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account within 3 statement periods of meeting the requirements ( which was completed in XX/XX/XXXX ). I expected the points to post by XX/XX/XXXX. 

Since signing up for the account, I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch, and saying that I am not targeted for the offer even after confirming that I am. Now I have {$90.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. Hundreds of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. 

Citi did an investigation into the matter, and said that I am not eligible for an XXXX XXXX advantage promotion, which is not the promotion I signed up for. Citi 's Customer Service department has been professional ( at best ), and ignorant ( at worst ) about their own policies. Their IT and account management department is clearly not capable of tracking what promotional offers their new account holders sign up with, let alone be able to answer the questions they ask when following 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 2016-09-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I 'm sending this complaint to Consumer Financial Protection Bureau because on XXXX XXXX and XXXX XXXX, 2016, though I had never charged {$1900.00} on my new CITI credit card, some Unknown CITI Investigator - or process - had entered that unauthorized {$1900.00} charge - and now, since I 'm refusing to pay, CITI will : 1. After Friday, XXXX XXXX, expect their " Fraudulent {$1900.00} Ransom Charge '' ; 2. After Friday, XXXX XXXX, expect interest on their Fraudulent Charge ; XXXX. On XXXX XXXX, charge an outlandish interest rate - 29.99 % as a penalty ; XXXX. On XXXX XXXX, charge late fees as a penalty. 

Since COSTCO 's XXXX XXXX, 2016 transition from an XXXX card to a CITI XXXX card, I - an XXXX year old -- have been dealing with financial torture - and COSTCO is at the center of it all. 
XXXX claims that it sent a {$1900.00} FRAUD case on my account to CITI - but CITI refuses to accept it as fraud. If we had stayed with XXXX, they had promised that by XXXX XXXX to totally remove that value from my account. 
But on XXXX XXXX, 2016, CITI in 2 separate letters on that same day blamed XXXX - and my wife while without remorse posted a {$1900.00} FRAUDULANT VALUE on my new XXXX account - and that value is greater than my monthly Social Security check. 
When CITI accepted the hand off of charges from XXXX, XXXX had already flagged that {$1900.00} as unauthorized and removed it from my balance - but on XXXX XXXX CITI improperly posted that value as authorized - and so, CITI ca n't seem to honestly address their accounting issues, which has put us in an uncomfortable financial tight spot. 
As far as I 'm concern, CITI has twice committed an act of Fraud - and COSTCO has been a behind-the-scenes compliant party to this financial fiasco - and what I consider unethical acts. 
If COSTCO had asked us whether we wanted to move from an XXXX card to a CITI VISA card, we would have stayed with XXXX because we have another XXXX card, which causes me some confusion. But COSTCO never gave us that opportunity of choice. COSTCO decided to move their consumers from XXXX to CITI 's XXXX card without any consideration of us. 
Now, after COSTCO behind closed doors collaborated and made some unknown agreements with XXXX, CITI, and XXXX, on XXXX XXXX, 2016, COSTCO just dump the untested consequences of their efforts on their members, which has caused me to waste too much time and energy in dealing with the mayhem of XXXX credit cards not working ; of twice needing to have credit cards reissued ; of being unable to reach CITI for many days - and of being unable to close XXXX FRAUD CASES because we never knew what COSTCO had agreed to with its cohorts.

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 2015-09-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a My Best Buy credit card issued by Citi Bank, N.A. Last week, I noticed a {$13.00} charge for " XXXX XXXX Insurance Fee. '' I never signed up for XXXX XXXX Insurance and I 've been charged for it every month since XXXX XXXX, 2014. I called the My Best Buy Customer Service and told them that I never signed up for this service. I told them I wanted to cancel it and that I wanted a refund. Best Buy Customer Service cancelled the service, but refused to issue a refund. I never agreed to pay for this service, so I should n't have to pay for it. These unauthorized charges add up to {$140.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-14 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
WELL, MY ACCOUNT WITH SEARS CITIMASTERCARD WAS OPENED BACK IN 2013 WITH AN ORIGINAL CREDIT LIMIT LINE OF {$5000.00}. NOW, FOR REASONS UNKNOWN OR FOR REASONS OUT OF SPITE OR DISRESPECT, MY CREDITOR JUST RECENTLY LOWERED MY CREDIT LIMIT LINE DOWN TO {$4200.00}?! NOW, WHAT THAT MEANS, IS THAT CITIMASTERCARD WILL CONTINUE CHARGING MY FEES FOR BEING OVER THE LIMIT AT NO FAULT OF MY OWN!! UNLESS I FILE BANKRUPTCY? I TRULY BELIEVE THAT CITIMASTERCARD ENGAGES IN USARY & CHACANERY & FRAUD!

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 2015-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Been in the re modification stage of my mortgage loan for 7 months. Was stated that it would be ready in XX/XX/2015. Mortgage company still has yet to finish the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for a Citibank gold checking promotion that offered XXXX miles XXXX miles after meeting specific spend and bill pay requirements. After completing the requirements, I called citigold service once and talked through online chat to Citi twice to confirm that I had successfully completed the Citigold checking promotion. And the citi representatives had confirmed that I 've got the offer and need to file further investigation in order to reply the details, but I never got the reply since the representatives said they had replied me, and they filed a investigation again. My account has fully completed the requirements for the XXXX XXXX miles from the promotion I signed up for the citigold checking account. With the XXXX bill pays and {$1000.00} debit transactions completed. The airline miles would be deposited into my account after 90 days from the date of completing the program 's requirements. More than 90 days past without having the promotional miles deposited into my account.

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 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I originally got a 30 year loan from XXXX XXXX XXXX on my home in XX/XX/XXXX. I refinanced several times, always through the same bank. When XXXX XXXX was bought out, they sold the loan to Citigroup mortgage. The last time I had refinanced was in XX/XX/XXXX. That loan as well as all the previous loans had a provision stating there was no penalty for prepayment and that any funds paid in addition to the monthly payment would be applied to the principal. Citigroup told me they sold the loan in XXXX XXXX. In an attempt to get more information about who they sold it to ( since the new lender has never sent me a bill or any information about who they were or where to send my payments ) I downloaded information from citigroup regarding my payment history. Citigroup has not used any excess funds to pay the principle. I did not agree to that change in the contract. That was a unilateral change by Citigroup after they were assigned the contract. If citigroup did it to me, I 'm sure they have done it to others. I am positive that my excess payments were to be applied to the principal because that was something I always made certain of with the bank and would check the contract. I never signed anything with citigroup. I had no choice in the assignment. Actually, I do not know if the loan was assigned to citigroup or if they were just servicing the loan, but either way their unilateral change in the contract seems to me to be a breach. And they did it without any notification or opportunity to change or refinance, etc. They appear to just hold the extra funds in some account that does n't credit my account or pay me any interest. They just keep the funds.

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 2016-10-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I applied for my AAdvantage card XX/XX/2016 after a flight attendant sold me the benefits. The flight attendant advised that the first bag flies free, plus up to XXXX additional bags for people who are traveling with me. I advised the flight attendant that I would be traveling to XXXX XXXX for my honeymoon and asked if my bags would fly free - she said something along the lines of, " Congratulations! Yes - this card would be perfect for you. '' So I took out the card. 

Then, right before my honeymoon, I called in on XX/XX/2016 and advised Citi that I was going to be traveling overseas, and would be using my card ; I then asked how to go about having XXXX XXXX waive the checked bag fee. They advised to inquire with them at the kiosk/bag check in area to have the fee waived. 

Then, when I went to check my bag as well as my wife 's, I was told " Sorry - the free bag benefit does not apply to international flights. '' This completely contradicted what I was originally told twice ( both by the flight attendant and Citi phone rep ). I had to pay, overall, {$100.00} for our bags ( $ XXXX for the flight there, and $ XXXX for the flight back ). 

I have already called in and tried to resolve the issue on XX/XX/2016. The phone rep advised that he can issue me XXXX airline points. This {$5.00} equivalent is really an unacceptable remedy to the 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 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My client have tried several times to get a loan modification with CitiMortgage for over two years now. My office has complied with their requests for documentation and information, only to be told that the file had " expired '' or some other non-acceptable answer. We had complained about this this sad state of affairs with the XXXX office without any real results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had an account with XXXX that was a pay per click ad words account and placed a credit card on file for them to charge XXXX per month for service before we even started the service i asked many questions about how the ad words system worked and was explained that they monitor the account and create seo words so it would drive more traffic to my website.I was told that they can track the IP addresses so to make sure that the competitor would not be submitting false clicks to drive up my account charges. After the first couple of months things were fine until i received a bill from my credit card company for XXXX from XXXX. I called XXXX and was told that i received XXXX click, s in 1 day. I told them that this was not correct and they needed to investigate this as this was not correct. They did nothing and insisted i pay the bill which i disputed with the credit card company which credited my card until they received a response to my dispute from XXXX.XXXX sent them thier policy, s and procedures but no proof that this was a ligitamite charge which the cridt card company reversed the charge and said the case was closed in thier favor. I Contacted the credit card company when i received their response and was told to re dispute the charge but in writing only which i did and never got any response from the credit card company other than the fact that they said i owe them which i said no i do n't and i explained i want the proof that i received the work i was being charged for because XXXX told me that they could research the IP addresses to see if they were duplicate and if they were they said i would not be liable for them which XXXX has yet to do and i do n't feel that this is correct. The credit card company is not addressing this instead has reported incorrectly to reporting agencies in correct information which is affecting my credit rating.

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 2016-05-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have held a Sears Mastercard for several years. I have not used the card recently because the terms of the card are not competitive. The card was recently up for renewal, and Sears sent me a new card. When I log on to the web site I receive XXXX messages -- the first says I was sent a new card and need to activate the card. When I activate the card, I am told the card has already been activated. The XXXX message on the web site says my account has been closed. 

I sent a message to Sears via their web site requesting status, and was told my account has been closed. I have not been notified to that effect via any method such as a written mail notice.

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: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a Bloomingdales charge card since XX/XX/XXXX. They never sent statements or alert via email or mail. In XX/XX/XXXX, I had a balance of {$11.00}. Bloomingdales still did not send me alert via email or mail and quietly charge me late fees. When I found out this issue in months, the total balance has reached almost {$200.00}. I called Bloomingdales to resolve this problem. I offered to pay the original balance {$11.00} but they insisted that I paid all fees. I believe this is not my problem. If they had alerted me via email or mail, I would have paid off that {$11.00}. All other credit cards I use send regular reminders via email or mail to alert customers about pending balance. I believe Bloomingdales ' insufficient service caused this late fee and thus should be removed.

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 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Aspen Yo LLC
State: NY

Complaint narrative:
I submitted a mortgage modification application for the mortgage on my primary residence at my first foreclosure settlement conference which was XXXX XXXX, 2016. The bank was instructed to send me a missing documents letter on, or about XXXX XXXX, 2016. Instead of requesting documents, I immediately received a denial, dated XXXX XXXX, 2016 stating that I would not be reviewed or offered any other modification because I previously declined a forbearance plan that was offer which the servicer feels was affordable. The forbearance offer was for 6 months and I could probably have made the payments somehow to save my property. The problem is that I can not make a {$10000.00}. down payment, and 6 months trial payments to possibly get a modification with a balloon of {$130000.00}. I am recently widowed, have XXXX children depending on me for financial support, XXXX of whom is in college full time and the down payment is just not a realistic option at this time. They did not even consider other options according to the letter. I want to pay my mortgage but I would like to be considered for a reasonable modification that is not going to jeopardize my ability to support my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Today I found out that I had a small balance on my credit card when for the last two months twice a week my credit card company has notified me via text that my current balance is {$0.00}. Knowing I had not used the card in a while, and that the text messages from them backed that up, I was surprised to find out that they had reported me to the credit bureau for being delinquent on a payment. Immiditly I contacted them in regards to this issue. They explained to me that the charge was for their annual fee but they apologized that my notifications showed {$0.00} Since I did not pay the fee ( I did not know they had charged it ) they charged me with a late fee and interest rate. ( We always pay our account before the interest rate ) During my chat with the customer care agent she stated they understood it was not my fault but that they could not refund the fees, I let her know that at this point the fees were not my concerned. I just want this negative hit off my credit. I told them I would contact the AG and the FCRA and they disconnected the chat ( I have it all saved if needed ).

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 2015-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Recently I have had several thousands dollars wired from outside acct into my Citi Bank checking acct. What shocked me is Citi charged me {$15.00} for service fee. It is such a ridiculous policy to punish its own customer to put $ $ to his Citi account. That explains again why Citi performance XXXX.

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