vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have been lied to, strung along, and games by CitiMortgage 3 months ago for XXXX in 2012 XXXX after paying 12 yrs at 5 % ... no help,,, CALL LINE SAYS " IF YOU ARE GOING TO BE LATE '' NEED HELP '' WANT MOD. FOR HARDSHIP AND ASSUMPTION FROM DEAD EXWIFE WHO HAD FIRST IN HER NAME I QUALIFY WITH HIGH CREDIT, HOME VALUE, NEVER LATE BUT NOW XXXX AND THEY LIE, LIE AND POSPONE AND STEAL ... where XXXX is the government??? XXXX ..iM STARTING A CRIME SPREE IF YOU SAY THIS IS LEAGAL ... XXXX YOU DO NOTHING AND THEY DO WHAT THEY WANT TO HURT PEOPLE, I 'LL be famous to Help all people you did nothing for and got a paycheck and Citibank for stealing, lying, and 4 months dragging and excuse and excuse that prevents my XXXX after 12 yrs 5 % I deserve some help that not even going rate and live alone XXXX with XXXX and let them rob me 12 yrs and counting ... FBI and world will hear my story and CFPB is a joke to allow banks to kill people XXXX last reach out for help and gloves are off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Bank Card has again blocked access to internet account can not dispute charges. 

phone number on web site to call has blocked me also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I visited a Sears store near me to inquire about the purchase of a cooking range. The sales associate convinced me to purchase the range that day and told me he could get me 5 % off if I used my Sears Card, which I did. The total purchase was going to be {$2500.00} and I informed him my credit limit on the card was {$1800.00}. The sales associate suggested we run the transaction to see if it goes through. It did and I assumed that the credit limit on the account was raised or the transaction was deemed okay. However, I received an email later that my credit card was over limit. As someone who monitors my credit rating carefully, I became concerned that the sales person 's actions could potentially harm my credit rating with an over limit report. I called Sears Credit ( a Citigroup company ) and was told that warranties and services are not counted toward the credit limit and they can put me over my credit limit when making a purchase. And they told me that the over limit status would be reported to the credit bureaus. Furthermore, they told me that I now owed {$750.00} plus the minimum payment in order to bring my balance below the credit limit. I feel this is a trap and puts the consumer in a very bad position. Not only did Sears knowingly allow me to cause harm to my credit rating, they also put me in a potentially harmful financial position. If I did not have the ability to pay the card down by the next billing cycle, I 'd be in a very difficult financial situation. Regardless, I will have a blip on my credit report regarding the over credit limit. Sears 's position is that I should have known their credit practices and the fact that services and warranty charges allow consumers to exceed their credit limit, which may potentially harm them. How was I supposed to know this and what is a credit limit for? And how can Sears take the position that they have no responsibility in this situation? Sears is wrong. I should have been informed at the time of transaction that what the sales associate was doing could potentially harm me. Please do something about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XXXX/XXXX/16 I opened a XXXX checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$400.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XXXX XXXX. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited by XXXX XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify and that I an offer bonus code was never attached to my account. Now I will not be getting {$400.00} worth of Thank You points. I 'm not alone. Hundreds of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.

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 2015-03-27 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: VA

Complaint narrative:
I have had several checking and savings accounts at various banks in the area I live. Each time I open an account, everything is okay, if/when I decide to close my accounts because of various charges, I am charged an arm and a leg to close or even to be billed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
there is a negative account on my credit reports from macy 's ending in XXXX that is hurting my credit score which i need removed. Its difficult to acquire credit for me with those negative remarks.i have hired a law firm to represent me in order to remove it but they refuse to.Next step is to complain to the better business bureau regarding this incident. Unless they agree to remove it from transition and experian ill take down my complain

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 2016-09-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Bloomingdales erroneously put " return to sender '' next to my mailing address so i never received a statement. 
Bloomingdales then put my account to collection I received at least 4 robo calls a day from collectors in florida and ohio for a month Finally i was able to speak with seveval managers in the credit department who notified me of Bloomingdales error I was promised a hard copy by mail for about a month before i received it as i said i need to see a statement before i pay a bill

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: TX

Complaint narrative:
citi cards address ; XXXX XXXX XXXX, sd XXXX www.citicards.com citi cards has commited a fraudulents act against me. 
my name is XXXX XXXX ; citicards from customer service to sercurity department ; all of them ; they need to go to jail. 
they tried to make me impatient so they can pull me all my personal information, identity, and they commit fraudulent act on me. they have the recording of all the proof.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2017-01-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
Hello! I co signed my cousin for a car. He bought a car and was supposed to make the payments. I never got a copy from the dealership or anything. Last year I wanted to get a new car, and that 's when the dealership ran my credit and told me that I was a co signer and that my cousin failed to make the payments and that the car was reposed by Quality Acceptance LLC.I never got I phone call or a letter from this financial institution who had the loan. They never gave me the opportunity to negotiate with them the last thing I wanted was to ruin my credit. I do n't understand my rights as a co signer. Now I 'm stuck with a bad credit, I ca n't get a new car since my cousin owes {$2400.00} and he claimed bankruptcy, the company is Quality Acceptance LLC. Please help me, and guide me since I feel I was n't treated fairly by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
My company is apart of my bankruptcy case that was served with official notification from the federal district court as of 2012. As of today this account is being reported to the credit bureau as negative.

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 2016-08-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XX/XX/XXXX as I 've done every month for years I submitted a request through the Citi credit card website to pay my bill in full the day before the due date which in this case was XXXX XXXX. On XXXX XXXX I noticed that no payment was deducted from my checking account and upon calling found that they had no record of me submitting the request. I immediately paid the bill on the phone in full. Even though their IT Department can go into their system and confirm or deny any click I made the day I did the payment, they refuse my request to prove that it was my error and not the error of their anything but infallible system. The time this transaction occurred can be exactly identified. I asked to speak to a Supervisor and this has not occurred either, beyond one person who did n't identify himself or leave a call back number leaving me a message. I content that this problem was caused by one of the many constant irregularities of the Citi website and the interest should be waived as it was their fault not mine.

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 2015-10-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
This is a dispute for case number XXXX : Once again- the right hand does not know what the left hand is doing. The responses I received from CITI stated they will be sending to satisfaction to the XXXX County Courthouse. I was beyond ecstatic to have this finally behind me after CITI 's " clerical error ''. The same " clerical error '' that has wasted MY TIME, hindered me in potential jobs, and housing options. Now, I have found out after receiving XXXX letters stating this, the satisfaction that was supposingly being sent to the XXXX County Courthouse was sent to my ex- mother in laws house. I have no idea why this was done. This is beyond ridiculous. Now I have to spend more of MY TIME to get this document and take time out of work to get this recorded at the XXXX County Courthouse. I would like to be compensated for my time because of this " clerical error ''. This has been a waste of my time and has ruined my life for the last year. Please make a check payable to myself in the amount of {$1000.00}. Oh and please do not send this to my ex- mother in laws house. My address AGAIN is XXXX XXXX XXXX XXXX XXXX, IA XXXX. You know, the same address on the loan docs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I paid my Citibank credit card bill on XXXX XXXX from my XXXX Bank account. XXXX mailed a check to Citibank well in advance of the XXXX XXXX due date. Citibank said they did not receive the payment until XXXX XXXX, so they charged my account {$25.00} for being late. I called customer service to explain that the payment was sent well in advance of the due date, and there should be no late fee. I asked them to waive the {$25.00} fee. They would not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX complaint XXXX to Citi Mortgage was issued, and I disputed it on XXXX. The response from Citi Mortgage states what is already in my documentation packet. The stated corrections in this response were already in place on my credit report when I submitted this complaint. I provided a snapshot of my credit report with a current status value of " 120+ days past due '' as of XXXX to a current status value of " Pays as Agreed '' on XXXX. I was not disputing the status of the account in this complaint. What I am disputing is the date in the " Date Reported '' field. It should not be XX/XX/XXXX. This was reported back XX/XX/XXXX, and should remain that way to show creditors that this account and issue is 5 years old. The company has not explained why the update to this account even happened XX/XX/XXXX. Why was the current status changed to " 120+ Days Past Due '' on XXXX. If I had not disputed this item, it would still be that way. The status was updated to Pays As agreed after I disputed it XXXX. This mistake has caused me to not get credit and pay higher insurance premiums. I want the date reported set back XX/XX/XXXX so that it is representative of when the settlement and release of mortgage was executed. Having a XX/XX/XXXX date as the date reported makes this appear as a current issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I am seeking your assistance to resolve a situation with CItiBank, who remains unresponsive to verbal and written communication. 
SUMMARY : From XX/XX/XXXX to XX/XX/XXXX XXXX 

To comply with CitiBank 's interpretation of the Patriot Act, my social security number was connected to the Center 's CitiBank Business credit card. Due to billing confusion taking place after I left the agency, CitiBank states the account has not been paid, late fees and interest have been added and the 'account ' has gone from a collection agency called Pro XXXX XXXX XXXX a second collection agency called XXXX XXXX XXXX who continue to call my home and threaten my personal credit rating even though I have repeatedly and patiently explained the situation in full each time I am called. After all, it is in my best interest to clear up this mess. 
CitiBank, XXXX and now XXXX XXXX do not respond to written and verbal communication from me or the XXXX XXXX XXXX to resolve the confusion. 
The original amount owed on the card was {$88.00} with an added {$140.00} in fees which supposedly brings the disputed amount to {$200.00}. XXXX Yes, I know the basic math is wrong, which just adds to the craziness! ) The XXXX shared a letter from Citi with me stating the original {$88.00} was paid XX/XX/XXXX. Yet I continue to receive calls requesting I personally pay {$200.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX XXXX I paid my Macy American Express bill at the Macy store in XXXX New Jersey for {$650.00} with a check. On XXXX XXXX th Macy/Amex went into my bank account and took another XXXX out of my bank account for XXXX which I received. I discovered this on XXXX XXXX. I called the company and they had no record of the XXXX XXXX transaction. I was advised to send all the information from my bank showing their mistake which I did. Since that time after about XXXX or more calls too Macy/Amex customer service this issue is still not resolved. On XXXX XXXX I spoke with a manager who stated he would be able to credit my bank account for XXXX but my account would go into dispute for the XXXX which I paid but would resolve itself and be credited back to my account within 3 to 5 days. It is now 12 days and I my account is still in dispute for the original {$650.00} which I paid to my account. No one at Macy/Amex can get this problem resolved.

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

Complaint narrative:
CITI wo n't provide a paper statement on my account and only emails my statement. It is an XXXX account with a {$50.00} annual fee. I never received the statement, have not used the account all year and when I noticed my mobile app had a message, I looked and I had the {$50.00} annual fee due ... I paid it online and it was 3 days late. They assessed a {$25.00} late fee and interest. When I called, they would n't waive late fee or interest charges, so I said close the account and refund my annual fee. They would n't do that. This is pure and simple stealing! I asked to speak to a supervisor ... None were available, but I was assured a SUP would call me within 24 hours ... That was a lie! I never heard back ... Just got a XXXX email saying late fee will remain and to pay my bill!!

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 2016-11-30 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have a credit card through Citibank with a {$450.00} annual fee, Citibank mailed me a new card agreement right before my renewal date stating my annual fee would now be {$350.00} and I would have no late fee penalties and a reduced annual interest rate. After I renewed my account and paid the annual fee I received a letter from Citi stating that the previous letter had been in error and the fee was still {$450.00}. I called Citibank to try to resolve this matter and was told that they would not stand by the quoted annual fee. I feel this is a case of bait and switch that deceived customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Bonus miles not applied to my account. The bonus miles are claimed to be available only if you use the card for a minimum amount of purchases in a three month period after account opening. While this is clear on the airline 's website, the terms and conditions as advertised, are not clear on the bank 's site. Using the internet archive, the website, as I saw it at the time of account opening is not available.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I was denied assistance for mortgage relief when I attempted to apply. Citifinancial does not participate in the mortgage relief program that was sponsored by the federal government. My state received funds for mortgage relief through the S.C. help program. I was denied help because citifinancial does not participate. I was also denied adequate deferment. Citifancial was also very rude to me, unprofessional, and uncaring. Other individuals have experienced the same difficulties that I have. Citifinacial wanted to foreclose on me and others for a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Have a citi bank master card credit car. I had a balance on the card of {$170.00}. On XX/XX/XXXX, I paid the balance. I had a late fee on the card because I had moved. On the phone they agreed to waive the late fee. On the phone I asked to pay my balance which ( after they waived the late fee ) came down to {$140.00}. Recently I have been receiving late charges because the Citi bank customer service represented did not waive the late fee. I made sure that I did not have a balance on the card before getting off the phone. As of today, they are saying I owe over {$120.00} in late fees. After talking with numerous representatives they are now saying that the XXXX did not waive the fee in XX/XX/XXXX and as a result additional late fees were added on the account form XX/XX/XXXX. They offered to take off XXXX of the late fees off and {$10.00} since the erroneous accrual from XX/XX/XXXX but have said their system will not let them take off any other late fees. They have acknowledged they failed to take off the late fee and their systems inability to correct my account but they are demanding that I pay what is left on the card. I should not have to pay- 1. I paid off the balance of the card ; 2. have not used the card, 3. they admitted they failed to take off the late fee in XX/XX/XXXX ; 4. admitted they could not correct the issue because its a system 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