vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a regular depositor of many years, 30+, at Citi Bank in XXXX XXXX XXXX , opened up a new account, a Roth IRA . The bank was not crowded. The representative at the desk who assisted me failed to disclose a very important detail. If you are retired, you can not open up an IRA or any related product if you have no income. She also said it was a MM Roth and did n't pay much interest but was the most liquid and I could take it out at any time. On the application or paperwork she gave me I clearly stated I had no work phone number and certainly would have checked retired, if it is a selection. I made several visits to this branch inquiring of any proof of my account as I never received any mail about it nor was I able to view it on the ATM screen. Finally, a different service rep printed out the fact that I made such a deposit and the existence of my account. It was this sheet of proof, that I presented to my tax accountant on XXXX XXXX, XXXX. He informed me to withdraw the funds immediately due to no income made in XXXX. So, I went to the nearest branch in XXXX ( XXXX XXXX ) They had me fill out paperwork and then suggested I return to the XXXX branch where I opened it up to resolve it. I told them that I should not be penalized as an early withdrawal because it should not have been at all. Well, I insisted that they call the XXXX branch and clear it up. I still had tax business in XXXX. They called the Retirement product division and a XXXX XXXX had me to write a letter with the account number and that I wanted it returned and deposited in my checking account. I had to sign it, it was faxed to him. I still had to fill out the distribution paperwork and on it I selected the box, do not take out federal taxes. After explaining to the XXXX representative, XXXX, that I am not agreeing to pay any taxes at all because I was allowed to open this account in error. I waited on line and she gave the teller my paperwork and the transaction was complete. I am concerned that the IRS is going to treat it as an early withdrawal still, even though there was a misstep.

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 2016-08-06 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank lied to me about a promotion I called Citibank on XX/XX/XXXX morning at XXXX XXXX XXXX and they converted my Day to Day Savings Account to a Savings Plus account and assured me that I was enrolled in XXXX Promotion offer XXXX I called once more on XX/XX/XXXXto confirm and I was assured that I was enrolled On XX/XX/XXXX, I called again to confirm before transferring the money and then their story changed. They said they can not confirm if I was enrolled or not and said they will call me the next day to confirm. On next day, they called me to say that I was NOT enrolled in the above promotion. 

As you can see, they lied to me and have no clue about what they are doing. I want this to stay on their permanent record so other people can also see and learn about their dishonest and corrupt practices

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 2015-07-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I filed a complaint towards citibank for the credit inquiry made by citibank on my XXXX credit report. The inquiry was shown on my credit report as " CBNA dated XX/XX/XXXX Bank-Installment Loans. '' On XX/XX/XXXX, Citibank gave me a response through CFPB. The content of the response is attached below. 

" We reviewed the client 's request to have the credit inquiry removed that is listed under " CBNA dated XX/XX/XXXX Bank-Installment Loans. '' Due to the incorrect product type reported, we submitted a request on XX/XX/XXXX to have that inquiry removed. Please allow 30 business days for this information to be updated on the credit report. We sincerely regret any miscommunication that occurred regarding this matter and the frustration this caused. " However, as of XX/XX/XXXX, the credit inquiry mentioned above is still listed on my XXXX credit report. Enclosed please find a copy of my XX/XX/XXXX XXXX bureau credit report. 

Citibank did not take action as they promised, nor did they give me any explanation or notice in regards of why they did not remove the inquiry from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
today i tried to get access to my pay pal account and was denied access. I called them and the woman on the phone told me that i was in violation of heir policies and they will hold my money for an additional 180 days there is over XXXX in that account which i have not fully had a chance to gain access to for over two months. I informed the woman on the phone that when pay pal restricted my account befor that i expalined on recorded conversation what my business entailed and after i removed the pay pal buttons from my social media pages my account was restored again. now for some strange reason my account ha been restricted oddly after i made first formal cfpb complaint. I feel discriminated against and i wish to cut all ties with pay pal due to their unfair practices when it comes to holding money that ive worked hard for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was gifted with a prepaid debit mastercard from XXXX around 1 year ago. I did not use the complete funds before the expiration date, and when I requested a new card be submitted I was told the card was expired ( XX/XX/XXXX ) and the remaining {$77.00} was forfeited. I told them exactly what the Consumer Financial Bureau says on it 's website : " If you have a prepaid debit card and the card expires while you still have money on it, you can request a replacement card to access the funds. 

The funds on a gift card will be good for at least five years, even if the physical card expires at an earlier time. If your card expires and there are unspent funds on it that have not expired, the issuer may give you a replacement card or give you the money by another means, such as a check. Either way, they may not charge you a fee. '' The agent I was speaking to, XXXX ( Agent ID XXXX ) responded that this was not a gift card, but an " incentive card '' and therefor did not fall under the gift card law. But that is exactly what an incentive card is -- a GIFT! 

When I asked where my {$77.00} went, either back to XXXX, or if Citibank Mastercard absorbed the money they would not tell me but instead said that was a private matter between XXXX and XXXX. 

I believe this is a fraudulent withholding of my money, and that they are going against the spirit of the law. 

Thank you for looking over my complaint!

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 2017-01-22 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A visa account with citi was open via Costco without my authorization. Further when I attempted to cancel it over two consecutive months a charge was made without my authorization which I was told would be reversed. Over five months into the process, not only it was n't reversed but also interests has been accumulating. This neglect by citi visa will negatively effect my credit score ... Please assist me with the process of correcting it.

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 2017-03-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I had to, unfortunately, settle a deed in lieu of foreclosure with XXXX in XX/XX/XXXX for my home at XXXX, XXXX, Alabama. XXXX accepted the offer of {$12000.00} made by XXXX. At no time while I owned the property was Fay Financial involved in the negotiations. On XX/XX/XXXX the XXXX recorded the deed transfer from myself to XXXX. 

However, in XX/XX/XXXX for the very first time, Fay Financial is appearing on my credit report claiming that I owe them {$180.00}, XXXX. That is clearly a false claim. I have reached out to them many times trying to get them to correct it. The first two times I was able to speak to a representative. The first agent told me she did not understand why Fay Financial would be listed as the owner of the loan. She then started the research process. I was told it would be concluded by XX/XX/XXXX. 

I also inquired with XXXX and received the same response. XXXX has since contacted me with their findings. XXXX 's stance is the property successfully transferred from me to XXXX through the deed in lieu process with no remaining debts. 

At this point, Fay Financial is preventing me from moving forward with the purchase of a new home. Fay Financial and Fay Financial Services is making false claims ; I need Fay Financial to stop procrastinating and correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
out of the XXXX SENT a letter saying through they loan XXXX from the government to help pay my bills the only bills i had was XXXX XXXX credit card which was a XXXX no savings but talked me into years old i have no car no assetsand XXXX cable i have no good cridet no job just my SSI check XXXX permonth i am XXXX and i have severe health problems and i am going XXXX this is being type daughter i am XXXX they had me intial my name no signature and life insurance in amount of XXXX but the insurance company me down because i am so sick mental and body now they trying to make pay a XXXX loan and i only XXXX XXXX she wrote a check for XXXX and told me to go to there and cash and bring the money to her now they are sending collection letters saying i owe XXXX i am being robbed and i did not get that money only XXXX i have no asets no money this was predatory loan and thy sought me out and now they are tring to robb me and they are harassing me for a year

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
One main financial called my home at XXXX XXXX. I have proof of the call on my caller ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
There was some fraud that occurred on my Best Buy Credit card. The fraud was reported and the company indicated that I did not owe the charges and they sent me another letter saying that I would not be responsible for the charges and they would correct the errors on my credit report. I 'm again receiving late fees and charges from Best Buy AFTER they said I was n't responsible and they are continuing to bill me " late fees '' and other charges for the account for which they said I previously owed nothing. They had a collector call me and I on recording told the collection agency the letter of what was sent and they removed the bill from their system.

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 2015-06-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
- Had to get a new account last year ( 2014 ) due to fraud. 
- I had a line of credit attached to the account that had to be closed, and was denied application for the same line of credit on my new account. 
- XXXX month after closing my account and being sure that all my automatic payments, etc., had been updated, I went to a Citibank branch to close the account. 
- I explicitly asked if my ability to repay the balance on the line of credit would be affected, and was told, definitively, " No, it would not. " - The automatic payments that I had setup in those XXXX months from new account stopped processing because the line of credit was closed. 
- When I realized, I called the bank and tried to setup automatic payments again. I was told that they were setup, and I had a XXXX late fees taken back by the bank. 
- Months later, I got a notice stating that I had missed XXXX payments in a row ( did not receive intermittent letters before then ) ; I had n't noticed because ( 1 ) I was told that automatic payments had been setup, and ( 2 ) I no longer have access to the account online so could not check to see if payments were being made, and ( 3 ) did not get a notice from the bank until XXXX payments were missed. I tried to have these late payments taken back, but was denied. 
- It was at this time that I spoke to the collections dept, and was able to negotiate an agreement whereby I made XXXX specific monthly payments that we set up on the spot, and then I would have my account brought back to current, and then I could go about making regular payments again. 
- While paying the debt-collection payments setup by the bank over the phone, i continued to receive late payment charges, even though I was paying EXACTLY according to the plan they setup ( there was literally no other option without me calling to cancel, which did not happen ). 
- Tried to get those late charges taken back, and was denied, despite the fact that it was clearly the bank 's fault. 

This has affected the amount of interest I 'm being charged, my overall balance due to late fees, and my credit score. I would sincerely like to change banks, but the switching costs are prohibitive due to my affected credit score, and my worry that I will not be able to make payments on the closed account with a non-Citibank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-28 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I took out a loan to pay off several Credit cards, XXXX of them being Citi and Citi XXXX. I have XXXX Citi cards and XXXX Citi XXXX card. I was going to payoff XXXX of the Citi Credit cards and the Citi XXXX and just have the Citi Credit card. The checks were mailed out on XXXX, XXXX. The XXXX Citi Credit Card was paid off XXXX XXXX, I kept waiting for the XXXX card to be paid off, and kept getting calls for late payments. when I checked the XXXX Credit card., it had a credit of over XXXX the check written to CITI XXXX was used to pay the card I intended to keep open. I have had numerous calls to Citi to get this resolved, I never get to speak with the same person, I spoke with Citi around the XXXX of XXXX..to let them know of the error that was made.and was told that they would investigate and let me know in 5-7 days. When I had n't heard anything, I called again on the XXXX I was put on a conference call with Citi, Citi XXXX and the bank to verify the check had cleared and written to CITI XXXX, which was verified, I was told by a Citi supervisor named XXXX, that he would take care of it within 5-7 days. This past Monday I had n't anything so I called again I asked to speak with XXXX, and got a supervisor form Maryland, who said she could see all the calls that have been made, and that XXXX did n't follow through, she was going to expedite and would call me on Friday the XXXX. she had said that she hoped that everything would be fixed, but with the holiday, may not be resolved, but she would call. Well no call .... My wife has been emailing also so we have a record. Today we received an email that we would receive a letter within 30 days detailing the results of the investigation. Meanwhile, Citi health is calling and emailing wanting a payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We refinanced our Citi mortgage with another lender in 2009. Citi failed to file a lien satisfaction / cancellation of debt for the loan that was paid off through the refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have XXXX accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. XXXX of the accounts are Wells Fargo Auto. On XX/XX/XXXX I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - XXXX of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
hello, I am XXXX XXXX, I open a citi gold checking accout XX/XX/XXXX with a promotion code. When I spend {$1000.00}, and XXXX consecutive bill pay, I can get XXXX XXXX miles. Before I open it, I contact the representative to make sure that the code will be effective to me, then I open it and I did all the requirements. but until now I did n't get XXXX XXXX miles. I contact the citi banker, they do n't admit that code effective to me. Please help me. thank you so much. My citi checking account number is XXXX rounting numeber is 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 non-monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My XXXX-year-old mother incurred a {$29.00} charge on her Sears/Citicorp credit card with payment due on XXXX, 2016. She wrote a check ( # XXXX ) on her XXXX XXXX XXXX account for that amount on XXXX XXXX, and mailed it on XXXX XXXX. Sears/Citicorp acknowledged receipt of the check on XXXX XXXX, a full 10 days after it was mailed. The check cleared on XXXX XXXX. 
As a result of being one day late ( either because of mishandling on the part of USPS or Sear/Citicorp ) my mother incurred a late fee of {$31.00}. Thinking this was a billing error*, she did not contest the fee. As a result the monthly fees mounted, reaching in excess of {$90.00}. 
I have power of attorney for my mother, and she requested that I help her in disputing these fees after she herself attempted unsuccessfully to do so. I sent a copy of the POA via fax to Sears/Citicorp on XXXX XXXX using a number XXXX of their customer service representatives gave me. When I called a week later, their customer service representative indicated that the company did not receive the fax because I used the wrong fax number. She provided me an alternative fax number. On XXXX XXXX I sent the same material to the XXXX numbers I had been given. The company acknowledged receipt in letters to my mother dated XXXX XXXX and XXXX XXXX. 
I subsequently called Sears/Citicorp and requested to have all the late fees waived. They were unwilling to do so, even after learning of the circumstances ( XXXX-year-old cardholder who mailed her payment nine days prior to the due date ). They were willing to waive only one month of fees, leaving me to pay {$62.00} to reduce my mother 's balance to XXXX. 
I understand that, technically, Sears/Citicorp has the right to impose these fees under their agreement with cardholders. However, I find their actions unconscionable. They have potentially damaged the credit score of an XXXX individual who faithfully pays her bills, and have caused her XXXX about the consequences. 
-- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX my mother mailed XXXX additional checks to other vendors ( XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX XXXX ), each of which cleared her XXXX account no later than XXXX XXXX. On XXXX XXXX and XXXX my mother mailed XXXX checks ( to XXXX XXXX XXXX, Town of XXXX, and XXXX XXXX XXXX ), each of which cleared on 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