vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
fraudulent charges on my credit card reported immediately and was told resolved yet showed up on my monthly billing statement. I spoke to representative and supervisers several time acknowledged over the phone all of the disputed charges. an email confirmation disputed charges was made.. assurance of 48 hours to resolve twice in 10 days. I have spent total of 10 days and 11 hours of my precious time I have early fraud warning and zero liabilty on my card benefit yet no resolution

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 2016-01-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
XX/XX/2013 I made a purchase of {$1900.00} from Home Depot. This was for new counter tops for our kitchen remodel. When I made the purchase it was under their promotional plan of 24months interest free. Every month since that day I have paid an average of {$100.00} which was over the minimum payment. In between the time of the purchase and last week I had made other purchases that were from {$500.00} to {$200.00}. Last week I went to pay my bill and noticed that the payment due was {$370.00} and the balance was {$5200.00} ... ..previous balance was roughly {$3000.00}. I called and asked what had happened and to report that it may be possible that someone has used my card. After looking into the situation the lady on the phone said that something was n't right and that they were opening an investigation into the matter and I should hear back from them in 4-5 business days. After receiving a survey from Home Depot on my experience I noted that I had not heard from them on the resolution of the discrepancy and was not happy about this. I then called the customer service line to find out if the investigation was still open and the representative stated no it was closed. I then asked what had taken place and they told me that my promotional deal had expired and they placed the interest that had accumulated onto my balance. My argument is this, I made a {$1900.00} purchase under this interest free plan. I have made and average of 24- {$100.00} payments on this card, which would put my overall paid amount at {$2400.00} ... {$500.00} over what I had used. This plan should have been paid for over months ago. I called to talk to customer service again and asked how this could be and I was told that once I made " other '' purchases my promotional interest free account was put to the side and no more payments would go to that until my other purchases were paid for. This was NOT what was explained to us when we used the card. I have been paying on this for 2 years now and was never told that I would have to pay for my promotional plan separate or state that it was to go to that, the entire balance was also shown when I went to pay my bill every month so I would pay towards the balance shown. Then to add $ XXXX+ in interest to my account for a {$1900.00} purchase after paying the bill monthly is outrageous. I feel that this is an unacceptable practice on Home depot by not applying my payment to my balance and simply putting it towards other purchases. The 3rd time that I called and talked to representative I asked why it was like this they flat said, it goes to a different account once other purchases are made. Why on earth is this practice allowed to happen? I can not afford to pay an extra {$1600.00} on top of what I owe, especially when I have held up my end of the agreement and paid my bill every month, even paying EXTRA on top of that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I opened a promotional account with Citi bank ... ..After meeting all their requirements ... ... They are denying me of my rightful bonus

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 2016-11-20 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 had submitted a prior complaint under case number XXXX. 

I had signed up for a citigold checking account promotion ( promo code XXXX ) where i was promised XXXX thank you points if i opened an account as well as participated in bill pay. After submitting proof of a citi chat rep confirming i had met the requirements, and would receive the bonus. I had then received the following respone from citi through the CFPB : Citi Bank said : Explanation of closure XXXX XXXX, please accept my sincere apology for the inconvenience you described surrounding your attempt to participate in a new account promotion to potentially earn Thank You points. Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance. I assure you that our marketing strategies are certainly not intended to mislead you, or any potential client. Citibank, like other banks, periodically offers promotional bonuses to deposit account applicants to attract new banking clients. In order to conduct our promotions in a manner consistent with sound business practices, we may customize offers by direct mail campaign initiatives to select individuals, in addition to the requirement of the standard terms and conditions that Citibank discloses for its promotions. 

In our review we found that the offer in question, promotional code XXXX, was not directed to you. However, Citibank fully respects any obligations made to you in the chat conversations you had with our Customer Service agents. Therefore, we are prepared to honor your request and the XXXX Thank You points ; however, your enrollment to the Thank You Reward Program is still pending due to not receiving your completed XXXX form for your account. Once the Form XXXX has been received and processed then we can enroll you in Thank You and credit the Thank You points to your Thank You account. We anticipate that the Thank You points will be available in your Thank You account within the next 60 days as long as your Form XXXX is certified successfully. 
Relief Non-Monetary relief granted of XXXX Thank You points pending Form XXXX is certified successfully. 


I also received a hard copy letter from XXXX XXXX of the Executive Response Unit on XXXX/XXXX/16 informing me i would receive the XXXX thank you point bonus as long as i filled out a XXXX form. I had a form, sent to me which i filled out, and sent back, as well as cconfirmed i am signed up for the Thank You rewards program through the citigold website.

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 2015-03-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX XXXX, I was given a {$1100.00} credit limit on a Sears credit card. I purchased a XXXX XXXX XXXX XXXX including a XXXX extended warranty for {$1100.00} from Sears, yet today ( XXXX ) I still owe over {$1200.00} for the same TV. I have never missed a payment on this card -- until XXXX XXXX when all of my creditors went unpaid due to a " bank 's error ''. My bank corrected the error and gave me a letter to submit to my creditors explaining the problem, in which I also sent XXXX to Citibank ( Sears ) too. However, some creditors waived their late fee, but still wanted double payments. In XXXX I paid my normal payment to Citibank. Then in XXXX I get a letter stating that I owe another XXXX payments plus late fees. I called Citibank and spoke to a woman name XXXX, I explained to her that I did not have the amount of money they were asking for and I would appreciate it if they would let me pay a lesser amount, ( over the minimum ), for about XXXX or 4 months to get caught up. They agreed to let me pay the lesser amount of {$50.00} at 10 % interest for 12 months, and then after the 12 months has ended, my interest rate will revert to the 25.24 %. I was told that I had to agree or the late fees would keep coming. Also, they would permanently close my credit card account and the payments I make will not appear on the Credit Bureau Agencies -- only that my payments are pass due. Does the law allow them to do this? I feel this is so unfair for Citibank to treat me this way and to deliberately not report the payments we agreed to for this card in order to hurt my credit further. 
This is the first time I have ever had a payment issue since I had this card except my inquiries as to why my balance was not decreasing. A few years after the account was opened, in a pinch, I used the card to purchase gas for my car once or twice, and XXXX of those times it was for only {$17.00} -- then about 3yrs ago I was able to purchase a {$140.00} or {$160.00} for a sewing machine. Other than that there was hardly ever " available credit '' for any constant use of the card, since the Balance remained over or above $ XXXX, even though I paid over the minimum amount due each month. I telephoned Sears on XXXX to inquire again about lowering my interest rate so that my account balance would go down and person I spoke to laughed and said " it 's a credit card, what do you expect ''. I told her I did n't expect to spend the rest of my life paying for a TV. And she added that the interest rate I have was the best they could offer me at that time. So, at that time I cancelled the Account Care insurance as well as the {$8.00} a month Accidental Life Insurance thru XXXX -- still no change in the account balance. 
I will appreciate any advice you can offer if you find or see another resolution to this problem. 
Thank you in advance, Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Recently I paid off my credit card balance with CitiCards and logged into their website to download a copy for my bookkeeper because the usual statement was n't digitally sent to my bookkeeper via the online connection. CitiCards did not produce a statement for the period even though there was a starting balance and 2 payments made. I used their online chat to get a download and the representative ( XXXX, chat team XXXX ) claimed that they will not provide a digital statement and thus would not have mailed one to me. Since I had chosen to have only e-statements they would never have mailed it.This is a violation of the FCRA

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 2017-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HALLMARK HOME MORTGAGE LLC
State: IN

Complaint narrative:
Hallmark Morgage sent the final disclose 8 hours before closing which the buyer never got or singed. Also the buyer did most of the work for the sale

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I logged in to XXXX and noticed there was a hard inquiry from cbna. The date was the day I went on vacation but I never ran my credit. This information is incorrect and needs to be removed asap.

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 2016-10-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I have been using Citi credit cards for over 8 years and maintained a great credit status, i.e., no late payment and every monthly statement paid in full. This XXXX, Citi suddenly closed all of my credit cards account without an explanation and refused to issue me the cash backs and mileage points that I earned before closure. And even worse, Citi billed me an annual fee for the AT & T card the month it closed my account and refused to refund me on that annual fee, which was pre-charged for year 2017 and when Citi failed to provide further credit card service. 
Citi failed to provide a reason on why my accounts were closed, and responded arrogantly when inquired, twice. Citi failed to realize the fact their customer service encouraged me making more utilization of Citi cards over other credit cards like XXXX or XXXX ( before closure ) is the reason I shifted my major spending to Citi cards. Also Citi failed to see my opportunity cost of using Citi cards against other cards and refused to issue my EARNED mileage points and cash back, i.e., I could have been using XXXX cards and accumulating XXXX membership points. 
My request from Citi is following : 1. Refund the prepaid annual fee of AT & T in full as Citi no longer be able to provide service on this card and ; 2. Issue the Thank You points and cash back that I EARNED. 
3. Explain why my accounts had been closed when I had no late payment or a statement not paid in full since the beginning of my credit history.

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 2016-12-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hi, on XX/XX/XXXX, I purchase new windows including their installations from my local XXXX in XXXX, pa ; the purchased amount was {$7900.00}. 
I choose to take advantage of the free XXXX months credit that was offered at this time ; I therefore used my Home Depot Credit card to make the purchase. The Home Depot credit card is affiliated to Citi Cards to manage credit and payments. I had built in automatic monthly payments to repay the loan. 
The XXXX months credit expired in XX/XX/XXXX ; unfortunately because I am travelling extensively and I am not as alert as a younger person would be, I let pass the XXXX months free credit period. 
When I looked more precisely at my XX/XX/XXXX statement, I was astonished to see a balance of {$9500.00}, i.e. despite XXXX months ( free credit period ) plus XXXX months XXXX XX/XX/XXXX to XX/XX/XXXX ) of monthly repayments, my balance was {$9500.00}, i.e. almost XXXX % higher than my original purchase. THIS MADE NO SENSE TO ME!! And I called immediately Home Depot/Citi Card customer service and they explained to me that when the free credit period expires not only do they start charging interest BUT do it retroactively from the date of the purchase. I told them I would accept paying interest charges from the end of the free credit period and as a show of good faith and I immediately paid {$6000.00} which I estimated would be approximately the balance from the end of the free credit period plus interests less my continuous monthly repayments. 
I send them a registered letter asking them for leniency and understanding and asked my bank to stop paying the new coming charges ; they responded by asking to call them which I did on XX/XX/XXXX. Their position had not changed and they were completely inflexible, THE BOTTOM LINE AND THE LEARNING : THE FREE CREDIT PERIOD ( IN THIS CASE 18 MONTHS ) IS NOT A FREE CREDIT PERIOD IF THERE IS STILL A BALANCE AT THE END OF THE PERIOD AND THEY CHARGE RETROACTIVELY INTEREST FROM THE START, IE THE PURCHASE DATE. 
IT IS A SMART BUT DEVIOUS, ABUSIVE AND HIGHLY UNETHICAL WAY TO TRICK PEOPLE INTO WHAT THEY BELIEVE IS FREE CREDIT AS XXXX PEOPLE LIKE ME AND I AM SURE MANY OTHERS GET CAUGHT, FORGETTING THE XXXX MONTHS DEADLINE AND OVERLOOOKING THEIR STATEMENTS AND FINDING OUT THAY ARE PAYING INTEREST FROM DAY ONE. 
THIS IS A HIGHLY DISHONNEST " CORPORATE '' WAY OF ATTRACTING CUSTOMERS INTO A POTENTIALLY VERY COSTLY ADVENTURE. 
I WOULD LIKE YOU TO PLEASE 1/ - GIVE THE LARGEST VISIBILITY TO THIS SITUATION WHICH I AM SURE IS FAR FROM BEING UNIQUE AND 2/ BE KIND ENOUGH IF YOU CAN TO NEGOTIATE ON MY BEHALF WITH HOME DEPOT/CITI CARD A REASONABLE SETTLEMENT. 
THIS WILL BE BENEFICIAL I AM SURE TO MANY PEOPLE.

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 2016-12-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
An unkown friend put money into my account. I could not identify the source, the bank took my money. 
The bank does not know where the money came from. 
I want my money back.

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 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
In XX/XX/2016 I called to downgrade my Citi ThankYou Premier account to a card with no annual fee. I did this before the annual fee was due on the Citi ThankYou Premier account. I was promised that the fee would be reimbursed and was approved for a Citi Double Cash account. In XX/XX/2016 I noticed the annual fee of {$95.00} was transferred from my ThankYou Premier account to my Citi Double Cash account. I called customer service in XX/XX/2016 and was again confirmed that the fee would be reimbursed/credited to my account. However, that was never done and my account went past due. Finally, in XX/XX/2016 the membership fee, late fee and interest charges were refunded back to me. 
I have excellent credit and the late payment that Citi is reporting to the XXXX Credit Bureaus is negatively impacting my credit score.

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 2016-11-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Approximately a year ago, I opened a Macy 's account and in the next few months purchased several items. In early XXXX 2016, I received a letter from the collections department stating that because they could n't contact me by phone, I might not be aware that my Macy 's American Express Card account was past due. ( Our mailing address has not changed in some 10 years. ) I called the number listed in the letter and explained to the agent that the account was past due because I had not received any monthly statements or bills and asked for an explanation. None was given, but the agent said that I would begin receiving monthly statements and that all late fees and interest charges would be credited back to the account. 

I finally received the XXXX thru XXXX statements in early XXXX, but the late fees and interest charges had not been credited and though monthly statements are now received regularly, not only have the late fees and interest charges not been removed as promised, but new ones are added each month. 

In mid XXXX we sent Macy 's a check for the merchandise that had been purchased and not returned. 

My husband and I have both spoken with various collection department agents and explained our position that we have paid for the merchandise and since I was told that the late fees and interest charges would be removed, we do not owe them any money. None will discuss why no statements were received until numerous late fees and interest charges had been added to the account or why those fees and charges have n't been removed as promised. 

The last of several letters I 've received since the initial one in XXXX, all urging me to call them to discuss getting my account " back on track '', arrived in early XXXX from Citibank via XXXX XXXX. Apparently the need to capture a phone number to use to harass us is important enough to use such silly gestures.

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 2015-07-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a current Citimortgage customer. When I inquired to refinance and roll my heloc ( also with Citimortagage ) to lower my monthly interest rate. The loan officer quoted me 3.87 % based on the basic information I gave him over the phone. He then pulled my credit report and I was shocked to hear that my score was XXXX due to XXXX XXXX credit card reporting me with a {$5.00} payment that was 60 days late. I called XXXX because I did applied for the credit card and never activated it and it turned out the charge was fraudulent. I then went back to Citimortgage and their response was that they needed to wait 30 days to repull my credit. I had XXXX send a communication to Citimortgage alerting them that the charge was fraudulent. 
Next Citimortgage had an appraiser value my house in XXXX XXXX California at {$700000.00}. I knew for a fact that XXXX XXXX is known for its superior school system and lack of housing and huge demand so I submitted an argument to the appraisal with my own comps ( the appraiser 's comp were older than 6 months and she does n't live in the area ) Citimortgage had the house appraised a XXXX time ( by the same appraiser ) who this time increased the value to {$850000.00}. Due to the fact the XXXX appraisals took over 9 weeks the lender told me the followingThe can not repull my credit even though I experienced fraud and I need to resubmit all the paperwork again because the original paperwork is too old. The lending office continued to bully me and say thinly veiled threats that if I did not agree to their process I would lose out on the 3.8 percent that I have been conditionally approved from since XXXX 2014. 

I am an existing customer with XXXX loan yet the loan office and the underwriter continued to treat me like I was lucky to be their customer and they would not repull my credit, combine the XXXX loans into a new refinanced loan and wanted me to pull all the information a XXXX time due to their incompetent appraiser whom they used XXXX. 

I work for a bank so I know that lenders have the legal responsibility to treat all customers with respect and fair lending practices. I do not believe Citimortgage is doing that to me or man other of their customers. 
I am happy to come forward with data to support my statement of unfair lending practices and poor treatment of customers.

Company response to consumer: Closed with monetary relief