vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Home Depot offers 0 % interprets rate payments for 24 months for new credit card members who make purchase of more than {$1900.00} in the store. The sale person who helped me opened home depot credit card as well as assisted me with purchase transaction said I was qualified for the promotion and he said it was a great deal. 

I applied for the home depot credit card on that same day which is XXXX XXXX, XXXX and made a XXXX purchase transaction at the store for about {$4000.00}. 

Today, XXXX XXXX, XXXX, I checked my home depot account online and discovered that the 0 % interest promotion under my account is actually 6 months ; not 24 months. I chatted with a representative online who told me that the promotion has ended in XXXX XXXX, XXXX when a 24 months promotion will actually ends next month ( XXXX XXXX ). He also stated that the interested has been charged to my account since XXXX XXXX, XXXX. 

I have only made XXXX purchase transaction on my home depot credit card and this is already my second dispute with Home Depot 's sales tactics with its credit card promotions and offers. Home depot 's practice have been, somewhat, misleading to consumers. I think regulators should seriously look into this issue. The number of complaints of home depot credit card practice to regulators - and that is probably why regulators are not taking a look at home depot 's practice - may be low, but the issue or problem here is legitimate and poses immediate risk to consumers. Home depot should also take my case as a learning experience for them because the way currently home depot does business, specifically in its credit card offering, will hurt their business in a long run. 

Note : my previous compliant to home depot in this transaction also related to their sale 's tactics and it 's new credit car offer program. Home depot said they guarantee their lowest price against other competitors, but they failed to honor their price when best buy actually offers lower price because i have already got some discount on the washer and dryer that I purchased from home depot. As a result, I bought washer and dryer at a higher price when comparing to best buy. I should have gone to best buy instead.

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 2016-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2016 I discovered that at approximately XXXX that morning, an unauthorized withdrawal of {$2900.00} was made via teller withdrawal from my checking account at Citibank XXXX The line item on the transaction showed the location as being at an ATM at XXXX in XXXX ( this is about XXXX miles from where I live and I was never there ). I reported this at once to Citibank and opened a fraud investigation. The following Monday I went to my local branch in person, and at that time saw that on XX/XX/2016 ( Saturday ) at around XXXX an additional {$2900.00} was fraudulently taken out of my account at the same branch in XXXX XXXX The entire amount of funds stolen from my account is {$5800.00}. 
I have been working with Citibank for almost XXXX months and the funds still have not been recovered into my account. Citibank 's latest instruction to me was to make a police report and then provide them with the case number, so that they can request and review camera footage from the ATM where the funds were stolen to ascertain that the individual making the withdrawals was not me, was not known to me and/or did not have permission from me to make a withdrawal. So far they have denied my fraud claim on the basis that the withdrawal was made using my card PIN number. Citibank asked me to provide a written affidavit stating that I was not the person that withdrew the funds, and that I did not know nor authorize anyone to withdraw the funds, which I did complete and provide to Citibank. I guess the inference is that I must have provided the number to someone but this is false. I have not shared my PIN number nor my card with anyone. I do not keep multiple copies of my debit card, and there are no other signers on my account that have access to it. I do not keep my PIN number written down anywhere. I have not given the card nor the PIN to anyone ever to use nor given anyone permission to withdraw funds using my debit card, ever. 
My suspicion is that a card skimmer was used to copy my debit card information. On the night before this all happened ( Friday XXXX XXXX a taxi driver asked that I purchase them gas in exchange for a lower ride fee, and I suspect that before I used my card for this purchase they put a card skimmer on the gas tank and secretly observed or recorded my PIN when I made that purchase. That 's my strong suspicion just because the timing is very coincidental. 
I would greatly appreciate any assistance, advice and help working with Citibank to recover these funds. I am a single father of XXXX teenagers, my wife passed away last year and I can not afford to lose this much money. Can you please help me. 
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 2016-12-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In an open case # XXXX, I just disputed Citi 's regulatory complaint spec XXXX XXXX pretty lame excuse for ( as experience numerous times ) allegedly misapplying my payments. All of the checks and money orders XXXX XXXX mentioned were mysteriously applied to a closed account ending in XXXX. All had the " account number '' written on them. In XXXX Citi stated I never sent the money but would investigate. Citi is just being retaliatory towards me for involving my Congressmen re : the previous Citi matter where they tried to take advantage of me. Do n't understand how with all of their " specialist '' they misapply money. In addition, Citi ACH 's my checking account for {$70.00} towards the balance of said account ending in XXXX. It 's obvious in addition to being revengeful Citi is trying to soak me for as much money as they can from me by any means necessary. For now I stopped the ACH 's and will send them {$50.00} each month until this matter is settle.

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 2016-09-12 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
fraudulent credit inquiry. identity theft

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 2016-03-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have been struggling to bring my mortgage current for some years now. I was recently told that I was given extended a Principle Forgiveness but was never informed nor sent paperwork regarding this prior Principle Forgiveness that they claimed to have done on my defaulted loan. Nor was I sent paperwork, after I completed a years worth of on-time payments that was suppose to bring my loan current. I was told that Citimortgage would be sending me these documents. I believe that Citibank is trying to block me from modifying my loan and keeping my home at this time as my property has accrued substantial value over the last 13 years that I 've owned it. It does currently need several repairs that are covered under the home insurance but they are blocking the adjuster from following through and letting me get the repairs done. I have been getting assistance from local and national nonprofits and have tried several different methods to negotiate with them to no avail. I would like an investigation to be opened into how they handled or mishandled my case. They say that they sent me documents that I never recieved so that I 'd like to see a tracking number and signature for those time sensitive documents that they state I never returned to them. This is very disturbing to me and has caused a great deal of hardship and XXXX for me as it is my primary residence for my children and I, I am single parent who went through a long phase of unemployment. I am currently working and have been for over a year.

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 2016-09-13 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX XXXX, 2016, I instructed Citibank to close a secured credit card that I had with them. At the time of the request, my account has a zero balance, and had not been used for close to two months. Subsequently, I received a letter dated XXXX XXXX, 2016 acknowledging my request. It stated that the account in question has been closed. What followed is the reason for my complain, because it stated that it will refund any credit balance within 90 days! 
It took them a day to close my account, they knew then and there that I owed them nothing, there were no pending charges. My question is why does Citibank confiscate my money, use it without compensating me for it. Why does it take more than a few days to return a deposit? Why are institutions such Citibank allowed to extort people 's money? It certainly would n't take that company that amount of time to take me to court, or at least have collection agencies hounding me, or better yet, report my account to all credit bureaus in order to wreck my credit. 
I contacted the company on XXXX XXXX, 2016, 15 days after, and I was told that I had to to wait XXXX to six weeks from that date. The agent confirmed that he had no idea when the refund will be sent, so did his supervisor. 
It is clear that in the absence of regulation on the matter, each institution goes about its own way to swindle the consumers.

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 2016-09-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX of 2016, my husband and I went to Sears to purchase patio furniture set. When we went to the checkout they said we could open a Sears MasterCard with no interest up to a year. They took my driver 's license and asked for my contact information, my mailing address and seemed to input it into the computer system. We received the patio furniture and waited for the card and the card never arrived. When I was speaking with my family hmy brother said he had received a Sears card at my permanent address my parents ' house. He said he called and told him he never opened a card and there was nothing they could do and there was a charge of the patio furniture that we had purchased. He destroyed the card and gave the mail out information for my parents to send to me. I called the activation number for the card and I spoke with a Sears customer service representative for the card she initially asked for my brothers social security number which I do not have and thought that was strange and inappropriate because that is highly sensitive information. Then she asked for my social security number which she said she needed and I gave it to her over the phone. She then asked to put me on a brief hold to try and resolve the matter. When she came back she stated they needed a physical copy of the social security card and wanted it faxed to them. I told her that 's highly sensitive and I am not going to send that through a fax that is not protected. So she said there was nothing they could do on the mix up of the account because I was not willing to do that. I asked to speak with someone else and she said no one was available. She said they would contact me in several days but no one did. I filed a report with the federal trade commission. At that time, XXXX XXXX from Sears Credit Card assured me she had closed the account and all we had to do was pay the balance but even though they cashed our check and had the gall to charge a late fee on an allegedly closed account! She lied about the account being closed and about any late fees, and Sears lied about the account being interest free because they instantly penalizdd us for not paying on time even though the account was n't opened appropriately and even though XXXX assured us that is would not be an 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 2016-07-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
At & t credit card customer service not answering at all, on hold for hours

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I am sorry to trouble you with my problems. I am a very strong woman, but I have run across a scenario that I can not manage on my own. CitiMortgage/CitiBank is trying to sell my house through foreclosure, but is n't taking the time to try to help me save my home. The set of circumstances that led me to where I am today were beyond my control and no one at CitiMortgage has been willing to take the time to sort out this problem. 

In XXXX I fell into hard times ... I was diagnosed with XXXX. During this time, Citi Mortgage offered me a loan modification. I was unable to work regularly, but I managed to keep up on the mortgage during my treatments. Inevitably, I could n't continue to keep pace and missed my first mortgage payment in XXXX and started to fall further and further behind. 

This is where it really got ugly. Once I was in XXXX, I sought help but the lender told me I had exhausted all my loan mod options and that the only choice I had was to be set up on a repayment plan. I had no other choice but to accept their terms, so I agreed to the 11 month repayment plan. They set me up with an automatic payment through my bank card. They withdrew XXXX payments and then stopped -- -- Why???? This opened a can of worms. When I found out ( after XXXX missed payments ), I called CitiMortgage and was told I now had to pay " all or nothing ''!!!!! When I was given no options to solve the issue I had no choice but to focus on my situation and stop devoting energy to this. 

Once I was healthy enough to back to work on a regular basis in XXXX of XXXX, I called CitiMortgage again and was given a new representative to deal with. She asked how much I could pay. I told her I could pay {$1000.00} right then and then another {$1000.00} in XXXX. I also indicated I would pay in XXXX the rest to catch up since I 'd be getting tax return money. The XXXX payments were taken, but when I called in XXXX XXXX as planned, this rep said my file was now with the foreclosure attorney -- -she checked with that office and came back and told me there was a sale date and that I needed much more than the {$4000.00} I was going to pay to catch up!!! That 's not right!!! 

My house is now in foreclosure with a sale date at the end of this month!! I have XXXX kids, XXXX with XXXX. This is our home and I feel CitiMortgage has been dishonest and unfair with me. They are trying to steal my home and kick my family out on the streets. I 'm not asking for a handout. I have recovered from the hardships that started this mess, but I need to get some cooperation ( and decency!! ) from this lender. I would appreciate any assistance that leads to saving our home and keeping my family where it belongs. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Bank has removed XXXX points from my account and refuses to communicate reasons. 

Citi reduced my account from reward points from XXXX down to XXXX. 
Demand compensation. 
Citi employees Executive Response team XXXX @ XXXX and XXXX have REFUSED to respond being unprofessional and 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 2015-05-12 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I was contacted by XXXX XXXX of Citibank 's Office of the CEO and President ( she reports to XXXX XXXX ). I previously file a complaint in the begining of the month about my Credit Line being reduced due to a medical bill reported incorrectly to the Credit Bureau. I was not aware that my line was reduced until I reviewed my monthly billing statement and then started the Credit Bureau dispute process. Upon speaking with XXXX today, she indicated that I only had XXXX days per policy to contact them about the inaccurate information on my credit file. I was not aware of this since I have no recieved any communication from them about by Credit Line being reduced. The reducution caused by FICO to be reduced significantly and now I am XXXX points shy of qualifying for a mortgage because of this issue. The medical bill has sense been removed from the file. I am asking for Citibank to do XXXX of the following : -Restore the credit line to the original limit without pulling additional inquiriesor-Remove the tradeline from the Credit FileThis is very upsetting that this happened and now is impacting me from obtaining a home after I have saved $ XXXX to put down. I making over $ XXXX a year and have additional income outside my salary. Please consider my preferred resolution in order to allow me to obtain a new home. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XXXX XXXX, 2016 I have disputed Citi Bank 's response which never addressed customer 's complaint at all. It 's absolutely NOT possible to continue my banking experience with such type of bank who has numerous prohibited banking practice. I am asking this bank to provide me their CEO 's name and address, so I can take court action against this bank who took my savings away. Due to the different issues I complained about ( see attached evidence ) I am asking this bank to pay all my losses : promotional bonus at least {$900.00}, thank you points XXXX, my own money losses {$280.00} due to illegal charge for XXXX balance account to be closed, refuse to close the accounts when customer asked this bank 3 times via secured messages, fail to provide any notice regarding monthly service charge, mistreatment suffering, fraudulent account opening, miserable branch experience, calling customer for unwanted product, intentional harassment, calling customer from fraud department when no fraud happened, etc. in the past 8 months, customer is asking this bank to pay XXXX pain, suffering due to the above accused banking practice. Customer further ask this bank to pay all owed debts so I can end this miserable banking experience immediately. I have account with NO monthly fee charge, why do I have to bank with CITI to lose money {$280.00}.

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 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My previous mortgage company CitiMortgage sent me a XXXX from my foreclosure in XXXX four years after the fact in XXXX, requiring me to re-file my income taxes. In the letter from CitiMortgage it stated if I had to re-file my taxes they would reimburse the filing fees, which they have still not done to date! I had mailed them the documents which they claimed they did n't receive then I faxed them and they received them but after numerous calls to customer support, they continue to forward my claim to other individuals or departments with still no explanation or reimbursement for their mistake.

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 2015-10-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased on XXXX 2013 with a promotion for24 months no interest I called to confirm and they advice on how to pay the minimum plusthe required additional money in order for me to pay it on the 24 months, I did that and alsowas reflected on the statements and after the 24 months they double my balance and toldme that have no record because their system is only for 12 months and could n't help me, Ihave all the records for the 24 months along with the promotional card and phone callrecords, I am XXXX years old and I do n't think is fair to be abused by a big company. 
I am only attaching the critical statements but I have all 24 months if you need them Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Media Collections, Inc
State: TX

Complaint narrative:
A representative from Joseph , Mann & Creed called and left me three erroneous voicemails for a person I do not know in any way. One of the messages was very accusatory, as though I was definitely the person they were hounding. I called to voice my irritation and request they remove my number and the same representative was extremely condescending, short and still rude. I demanded an apology for the rude voicemail he had previously left, to which he angrily retorted, " For what? For what?! '' Clearly, he had forgotten himself. He then apologized in a decidedly not sorry, smarmy tone. Not at all a pleasant experience for something I should never have been involved in.

Company response to consumer: Closed with non-monetary relief