vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I opened a Citibank gold checking account under promotional terms where if I met the terms I would receive XXXX XXXX airlines AAdvantage miles within 90 days past the close of the statement in which I met the terms. I met the terms and 90 days past. I did not receive the miles. I value these miles at a minimum of {$500.00} so it is substantial compensation for me. I contacted Citigold and they promised an investigation. Nothing happened and they never contacted me. I want Citibank to honor the terms that I met and credit my account with XXXX AAdvantage miles.

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 2015-04-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was a student at University of XXXX and received a loan in XXXX when I completed my education and it came time to pay I deferred my loans because I was having difficulty but citibank would not defer so the account ended up being charged off. I tried to call and make arrangments because on my credit report they say I am charged off but they are still charging a past due fee of about XXXX every month on my account. The representative on the phone says the company does not accept payments anymore but the account is still theres and they can charge because I havent made any payments to them, and they havent for a long time they contract out and gave me the number to a collection agency. Now I went on the website and you can make payments but it says I dont have any active or full disbursed loans, so how am I still getting charged for an inactive account that they will not accept any payment for?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CitiMortgage owes me an funds for overpayment. Multiple unknown and unauthorized transaction activities have occurred since at least XX/XX/XXXX. Loan originated XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
i believe this is the XXXX complaint here about this at and t card. XXXX after 20 years they refuse to credit me interest. so i barely use the card. now i bought a camera in best buy that DOES NOT WORK they refuse to take back i am being told i have to pay for. i am NOT paying for it nor should a credit card company tell me i should. i am not. so go to them for me after 20 years and get your money back. the lack of credit of interest and this speak volumes as to what i mean to you. nothing. XXXX refunded money for a broken phone they never responded on too. do the right thing. i will accept nothing else. refund me the money

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 2016-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Opened a checking account at Citi branch location XXXX XXXX, 2016. Wrote a check from an existing account at another bank to establish balance. It was deposited in my presence that day. Requested checks for the account, was told they cost ~ {$29.00}. Explicitly asked bank employee if I should pay for those, he said no, it will just be deducted from the checking account. The originating bank shows my initial deposit posting XXXX XXXX. Six days ( four business ) later, the checks were charged to the checking account, but the initial deposit was still not " available, '' resulting in a {$34.00} " insufficient/unavailable funds fee '' on top of the price of the checks. Called customer service, they were unable to reverse the fee.

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 2016-07-27 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I requested my financial institution to remit a credit card payment on XX/XX/2016 to CITI Financial for a payment that was due XX/XX/2016 however, because of their system, they did n't process it until XX/XX/2016 and charged me a late fee. I fulfilled my obligation to make the payment timely yet the explanation I received was that I need to remit payments a whole week before the due date because their system may take 5-7 business days to process a payment. This violates contract law and does n't make sense that I 'm held accountable due to a financial institutions inability to process payments timely. Also, payment processing should not take this long.

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 2017-02-08 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had opened Citibank Savings account under a promotion which gave {$350.00} if I deposited more than {$25000.00} between XX/XX/2016 and XX/XX/2016 and kept the money till XX/XX/2016. I fulfilled the requirement and was waiting for the bonus to arrive. 
I also verified with the customer service agent at Citi that I qualified for the offer and they confirmed it saying I should receive it within 90 days of completing all the requirement. 

However, I got another message from Citibank saying that I will not be receiving the bonus as I do not qualify. I have attached the offer terms which I signed up for and the chat with Citi agent confirming my qualification

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 2015-11-19 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.

Complaint narrative:
I disputed a charge made on my account by a company who used deceptive and fraudulent tactics. I received a call from XXXX stating that I had a reward from XXXX and XXXX, they already had my credit cards numbers, telephone number and address which made me think it was legitimate. Such company said that I just needed to pay for the taxes which amounted to {$290.00} Then, I received the alleged award which really was a timeshare promotion. I did not agree to that. I disputed the transaction to Citi because it was a fraud. Citi denied the dispute even though I informed them that I was victim of a fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I contacted Citimortgage previously about their collecting property insurance and taxes on the alleged mortgage for account. I called once again and spoke to citimortgage representative XXXX ID # XXXX and asked informed her that Property Taxes and Insurance was my responsiblity to pay and NOT citimortgage. The representative said it was their responsibility to escrow taxes and insurance. This among other major problems exist with this alleged account. This collection of insurance and taxes is one of many. I have a written document from Citimortgage CONTRARY to what the representative explained. It is the " HAMP modification from Citimortgage dated XX/XX/2010 original document. This is clearly a BREACH by Citimortgage as I have previously stated I did address this problem in XX/XX/2010 but as usual it went ignored and citimortgage refused to STOP collecting taxes and insurance from me via escrow in this alleged mortgage. 
See documentation that I have included in this complaint. See paragraph 4 ADDITIONAL AGREEMENTS letters C and D of the Multistate Home Affordable Modification Agreement

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 2015-06-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I am the XXXX of a business ( XXXX ). I get phone calls from what is listed on my caller ID as CitiGroup with a phone number of ( XXXX ) XXXX. The call is an automated call that asks to return the call at XXXX. Upon returning the call to inform them that we are a business, I am told that we will be removed from the call list. The call comes multiple times a day but XXXX of those times is right around XXXX. This is the busiest time of the day, any day for us as a XXXX. XXXX of my staff members or myself have to stop assisting our paying customers to answer the phone, in case it is real customer. I have called the company requesting to be removed XXXX times. The last XXXX times, I have spoken to supervisors and they have guaranteed that I would not be called again and our number would be removed from the list. Additionally, the name of the person they tell me they have listed for my number is n't even the last name of anyone I 've ever hired for my business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to dispute a billing error in the amount of {$2600.00} from Citi Credit Card that appeared on my credit report ( XXXX ). The amount must be mistake because I called the Citi representative to find out about this charge, but they were not able to find any account information under my name or social security number. This could possibly be a fraud and has caused damage to my credit. My family we 're trying to get a loan to buy a house and not able to because of this. I tried calling Citi Bank and Citi Credit Card, they provided me fax numbers to send in my disputes but both numbers do not work. They said only fax and no email for the disputes. I am unable to get through them. This is why I come here to your site for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Macy 's Credit Card, we recently purchased a mattress and chose the 12 month " no interest '' plan. The problem is that there is no option on the bill or on line payment, to pay the minimum balance due and allocate payment towards paying down the " special events '' balance. I have spoken to credit many times and they stated that the payment could be made if I talk to credit each time I make a payment and tell them how I wanted the payment allocated. Now it 's been 3 months in a row that I have done this and so far it has not happened, every payment has only paid down the revolving balance. No matter what I do they always take the total amount I send and only reduce my regular account and never put anything towards " special events '' balance. When the 12 months are up they are going to hit me with all the deferred interest. Never was I ever informed that in order for me to take advantage of the " 12 months no interest '' did I have to pay my revolving down to zero before my payments would be paying down my " special events '' balance. I spoke to the salesperson in the store and she had no idea that this situation existed. I think this is situation needs immediate attention and Macy 's should be held responsible for deceptive practices in credit offers. 
I have also encountered the fact that I can not enter my Macy 's account online. When I try to enter they say the information is invalid. They ask for name on card, birth date and last XXXX of SS #, an d when entered they say information does not match, this is indisputable information. Now I can even enter the Macy 's website to pay my bill. 
The credit department has been contacted and nothing has been accomplished except for the hours I 've spent on hold and talking to the XXXX. 
Please research this situation for bad credit practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
My home mortgage was with CitiFinancial and Iwas never late on a payment. I refinanced with XXXX XXXX, who paid off my CitiFinancial mortgage on XXXX XXXX, 2015. CitiFinancial cashed the XXXX XXXX payoff check on XXXX XXXX, 2015. On that same day, XXXX XXXX, CitiFinancial took an additional mortgage payment from my bank account, an overpayment of over {$1600.00}. XXXX XXXX and I are attempting to resolve the overpayment with no success with customer service at the CitiFinancial XXXX office. The customer service representative is " XXXX. '' XXXX is not cooperative and crass. 
Today, XXXX XXXX, 2015, I received a CitiFinancial letter from XXXX XXXX XXXX, XXXX Center Manager. The letter begins : If the present delinquent condition of your account is not corrected, it could result in foreclosure and the eventual sale of your home to satisfy this debt. 
CitiFinancial is threatening to foreclosure on a customer who has never had a late payment, from whom they collected an overpayment, and they cashed the XXXX XXXX check closing the CitiFinancial account on XXXX XXXX. 
Your kind attention to this matter is greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was approved for a Citi Premier Card on XX/XX/2015. On XX/XX/2015, the public offer on the signup bonus went up to XXXX points if you spend {$3000.00} in 90 days and I asked the Citi social media team to match me to that offer, which they kindly did. I got a letter shortly thereafter via US postal mail dated XX/XX/2015 ( I have provided the letter as an attachment ) stating " Your account is enrlled in the promotional offer to receive XXXX, XXXX bonus ThankYou Point ( s ) as long as you spend {$3000.00} by XX/XX/2015. Since the offer is XXXX if you spend {$3000.00} in 90 days, this made sense because I opened the account on XX/XX/2015 and 90 days is XX/XX/2015, just as the letter states. However, I called in yesterday XX/XX/2015 and was told completely different terms. I spoke to XXXX, Account Manager, ID number XXXX and she told me completely different terms than the letter Citi provided. She stated since I was matched to the offer on XX/XX/2015, all purchases prior to then do n't count towards the minimum spend but that I have until XX/XX/2015. This contradicts the terms provided to me in the letter from Citi. These new terms that XXXX told me are not listed in the letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
We are very careful with any charges on credit cards or obtaining financing. We received a threatening " Account Notice '' from Sears stating that we must make a purchase or other transaction by XXXX XXXX, 2016 or have our credit limit lowered and to " hurry '' in doing so. We feel this is pressure to use our card, and we feel since we voluntarily applied for the account and paid as agreed ( actually early ) we should have the account available at our discretion. We know that credit bureaus receive information about account limits and closings, and these reports affect credit scores. We feel this is a predatory lending process on the part of Sears and should not be allowed to continue. After calling the account inquiries number to check on why we would receive such a notice, I closed the account by phone on XXXX/XXXX/2016, because I do not appreciate being threatened. We do not need Sears and XXXX ; they need us.

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 2015-07-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a XXXX loan that I took out in order to afford the down payment when I originally bought my home. For years, I have routinely payed that loan on or before the date that I was given as the end of my grace period. I was clearly and repeatedly told that no late fee would be charged as long as I stayed within that period. Most months I paid a little bit extra on the loan in an attempt to pay it off before the interest rate increased. This week I received a phone call informing me that my payment was short. When I disagreed, the woman on the phone explained that while I had not been charged a late fee because I had paid within the grace period, that a separate interest was attached to the amount owed for every day after the actual due date of the loan - meaning that I am being charged an additional fee even when I pay within the grace period. I have been making payments on this loan for roughly ten years, thinking that I was getting ahead when I paid extra, only to now realize that I have been charged this additional fee for all of this time without ever having been told about it. I think this is outrageous and I certainly hope it is illegal. I hope that you will address this, stop the practice, and help me and others get our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC.
State: FL

Complaint narrative:
Have received numerous calls at work and at home that are threatening and often during none business hours. Threats include jail, contacting my employer, visiting my place of employment. Another stating it is from XXXX dept. threatening to file a law suit and that the alligations were serious.

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: CA

Complaint narrative:
To Consumer Financial Protection Bureau, I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In XXXX/XXXX/2016, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. The promotion was set to end on XXXX/XXXX/2016. Not knowing if I was indeed targeted for this promotion, I was not sure if my application might be approved. Hence I had confirmed via chat with a Citi Bank representative named XXXX on XXXX/XXXX/2016 that the application will be processed, and that I qualified for the bonus offer of XXXX XXXX points upon meeting the promotion requirements : Within 60 days, complete a purchase of { {$1000.00} } or more with your Citigold Debit card and perform XXXX or more bill payments for XXXX consecutive calendar months. This information should be discoverable as all conversations are recorded by Citibank. After I met the promotion requirements, I contacted via phone Citibank to confirm this and to inquire when to expect the points to be posted. During this conversation, a service request was logged by customer services to open an investigation ( reference number XXXX ). On XXXX/XXXX/2016, I received a formal letter from XXXX XXXX, Director, client research, informing me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. See attached letter from Citibank. This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was for this promotion. I anticipated to use the points to plan for a vacation. I am requesting Citi to honor the set promotion. If I was indeed not targetted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not do it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. Attached Screen capture of chat with Citi representative during my conversation before opening the 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 non-monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HOVG, LLC
State: CA

Complaint narrative:
The supervisor XXXX at Bay Area Credit Services at XXXX told my wife that she owed a debt to XXXX. We have asked them many times to verify the debt with us because we have not received a bill from XXXX at all. They would not give us any information on this debt. They have called past XXXX and refused to give us any validation of the debt. We asked them for more information on the debt and they either tell us to pay it or let us know that they will send something in the mail. We have asked for mail to be sent to out address or an email and they say they cant do it. We dont want to give out any money because it could be a scam. I told them we were going to report them to the CFPB and they just hung up. They had XXXX accents so it was hard to understand anything that was going on. Its been around 6 months or more of these calls and nothing has been resolved because they can not verify any information of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened a credit card with Home Depot. I did not get a bill, so I had called them. At that point they assessed a {$35.00} late fee. I paid the bill in full for my purchase, which they have confirmed, but then they added another fee of {$35.00}, beginning back in XXXX of 2015. They keep adding a fee each month even though it is paid off.

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