vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I submitted a complaint yesterday about this problem. Complaint No. XXXX. This morning, a Sunday, at XXXX I received another threatening call from Macy 's to pay my bill ( which was never received ) or else ; I explained the situation again and was told they mailed a bill to me on XXXX, XXXX ; how could I possibly receive it in XXXX day since there is no mail received on Sunday. I have been getting these calls on a daily basis at all hours of the day and night, but it seems to me that since I told them originally last week that I never got a bill, they should have mailed me a bill at that time instead of harassing me with daily phone calls when their records show the bill was just mailed two days ago and no mail is received on a Sunday.

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 2017-02-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Citi credit card refund ... ... ... ... ... HELP Need answers to make inquiry for refund

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 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I recently signed up for a CitiGold account under the promotion that if I spent {$1000.00} using the included debit card, and completed XXXX bill payments, I would be rewarded with XXXX AAdvantage miles. I was told in a chat XX/XX/XXXX that I had completed the requirements, and would see my miles by XX/XX/XXXX. It is now XX/XX/XXXX and while they said they opened an investigation, they have been unresponsive regarding the reward.

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 2015-11-19 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hi, I remitted money through ach to my XXXX account. They give ref # XXXX and credit my account. So I transfer money from my account to other bank. After few days they called me your account balance in negative and send same amount again. I called them, they said your check has been bounce and they make reverse entry and more than XXXX as a penalties. I called so many times but they could not give solid answer.one said talk to your local bank.I went to my banker he said funds are sufficient and nobody demand for money.I again call today I said give me penalties amount back I will remitt money again.He said our supervisor will call you soon but nobody called me so far.I remitted money again.they gave me hard time.So I want penalties amount XXXX back that was not my fault.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I signed up for a Citigold checking account in XXXX 2015 during a XXXX XXXX miles promotion and completed the requirements of the promotion within 60 days. Briefly, to earn these miles, I had to do one bill pay in two consecutive months and make {$1000.00} in purchases with my Citi debit card within 60 days of opening the checking account. Despite a representative confirming that a ) the signup bonus had been applied to my account and b ) that I would receive my bonus within 90 days of completing the requirements ( i.e., by XX/XX/XXXX at the very latest ), I have not received the miles. Meanwhile, my Citigold account has a $ XXXX/month fee that is not waivable.

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 2015-08-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My bank charges overdraft fees when an account overdrafts due to a bank fee. This is unfair. If my account has {$5.00} then the monthly service charge hits my account in the amount of {$12.00}, the bank then charges an overdraft fee when that overdraft was a result of a bank fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Liberty Home Equity Solutions, Inc.
State: CT

Complaint narrative:
In the XX/XX/2015 I applied for a HECM as power of attorney for my XXXX year old father. 
This loan was approved, closed in XXXX of 2015, and an initial draw was taken on XXXX XXXX, 2015. My father passed away on XXXX XXXX, 2015. Ever since this process has been a total nightmare. Monthly reverse mortgage statements continue to be mailed to my father 's previous address, delaying my receipt of what could be important information. The most recent statement includes a charge for another property appraisal, less than four months after the original property appraisal. Each month 's statement also includes a fee for property inspection ; I have no idea what this means and certainly was never informed of such a charge during the application or closing process. Most recently I was informed that propertyinsurance coverage has expired and the lender is going to buy said insurance. Again notice is sent to an address which is not mine delaying any response or corrective action. Moreover, I have not received any notice of insurance expiration from the insurer and have recently paid a premium installment. My original intent was to sell the property and repay the loan with the proceeds, but to get out from under this treatment I applied for and was approved for a home equity line of credit on my own residence. I want to be rid of this siituation and this company as soon as humanly possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
We are in a hardship and received a letter regarding bringing our account current by XXXX XXXX, 2015 to avoid foreclosure proceedings. When I called on XXXX XXXX, 2015 XXXX to make the payment to bring the account completely current per Citi 's letter, I first spoke with XXXX. He transferred me to XXXX and at approximately XXXX, I was told " it did n't matter '' and that " I was in " their '' department now. '' I could make payments, but it would n't mean anything. XXXX was extremely rude and condescending. I asked to talk to a manager and she said " MANAGERS DO N'T TAKE CALLS ''. She kept condescendingly saying we had n't made any payments. We have. I told her this and she said " well it was n't enough and you 're in our department now. '' When I asked why they were not honoring what they had sent IN WRITING to resolve the delinquency she said " their department '' did n't write it, she did n't know who did, THAT LETTER MEANS NOTHING and just kept repeating herself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have several complaints against Citibank especially with a XXXX XXXX XXXX a client liaison. He has accused me of being non compliant in paying off an account ending in XXXX. It has been proven that his response unit is incompetent and again has " confirmed '' that they do n't know what they are doing. I have fulfilled paying Citibank the settlement agreed amount owed. Yet again out of the four payments cashed by Citibank two were claimed not received. The XX/XX/XXXX and XX/XX/XXXX payments I paid in addition to the checks I also sent XXXX money orders XXXX for {$20.00} the other {$30.00} respectfully. On XX/XX/2016 I was told since payments were not received the account is in collections for the empteeth time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
They have called my house today on a XXXX XXXX and wo n't stop. 

XXXX called - XXXX, XXXX, XXXX, XXXX. Phone number 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 explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This relates to existing Case No. XXXX against XXXX XXXX XXXX. I want to file a complaint against Citibank Corporation. in XXXX, 2016, my father purchased a chair and he paid for it with his Citibank card. The total purchase was {$1000.00}. When he received the bill from Citibank in XXXX, he wrote a check no. XXXX on our joint XXXX XXXX XXXX account for the full balance. It was put in a Citibank envelope and mailed. In XXXX, Citibank called him and asked him why he had not made his payment. I contacted Citibank and gave them the check number and that it had cleared on XXXX XXXX. I also mailed them a copy of the check. I also contacted XXXX XXXX XXXX and opened up a fraud claim. Citibank rejected the copy of the check because they did not receive the payment. They removed the conditional credit and added late fees and interest. I contacted XXXX XXXX XXXX and received a claim no. XXXX. XXXX XXXX XXXX informed me that the check had been cashed by unknown persons at Citibank Branch No. XXXX/Sequence No. XXXX. They indicated that would contact Citibank. Then I heard nothing for a long time, and continued to try to follow up and finally filed a complaint with the Federal Reserve. I received promptly in XXXX a letter from XXXX XXXX XXXX to forward to Citibank which I did. Citibank just recently sent correspondence to my father indicating that they did not cash the check and would not pay the check. Citibank has now accumulated over {$100.00} in interest on the unpaid balance of {$1000.00} despite the fact that have sent them letters, and XXXX XXXX XXXX has sent them letters. Now my dad owes them {$1100.00}, so I have to pay that balance and close the account, but I need help recovering that check from either Citibank of XXXX XXXX XXXX because they playing against each other. XXXX XXXX XXXX says they ca n't return the funds to the account even though they paid the check. Citibank just wo n't deal with 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 2016-01-19 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On my BEST BUY statement I notice there were fees regarding a Debt protection program which I never authorized for. I have been a Best buy credit card member since 2009 and the fees over the time are between $ XXXX-XXXX. Some of the fee charged are not even documented on my statement.They have charged me over {$2400.00} in these fees. The problem is if they did not charge me these fees I would of been able to pay off my credit card in time before the promotion was over. Now I got charged by BEST BUY over {$3000.00} in interest fees. Which this made me go over my credit limit also caused an bad impact on my credit score.I have contacted Debt Protection and they stated they will send me documentation and investigate the issue also refund my money buy it will take 30 days. Then I called BEST BUY ( worst customer service ) they stated they do not have any documentation in regard to these fees and the company was a third party. I told them the only thing I signed up for was a BEST BUY CREDIT CARD an now there are fees from this program on my BEST BUY statement and so they have to be a part of it and have some documentation. Best Buy ( XXXX ) said no. I told him I did not go out of my way to get this program and have more fees added to my monthly payment its RIDICULOUS. These fraudulently added by one of their employees. The only thing I signed up for was a BEST BUY CREDIT CARD. There was no mention of another program there is no way I would want to add more charges to my account. DO NOT GET A BEST BUY CREDIT CARD!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank sold debt to a credit called XXXX - but they sold a debt that didnt belong to me! I have had several discussions with Citicard including a phone conversation in XX/XX/XXXX when Citicard said the fraud team would look into it and close the card/relieve me of any wrong doing and take it off my credit report. When I checked my credit report it was removed so I assumed everything was okay. It was NOT okay! Citibank SOLD MY DEBT ( even though it was not mine ) and now I got SUED by XXXX. XXXX is suing me for {$25000.00} for a credit card that had a {$1600.00} limit that was not even my card! XXXX levied my bank account and is ruining my life. The funds they levied will leave my account XX/XX/XXXX - so this is extremely urgent! I can not hire an attorney because XXXX has levied every penny I have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi XXXX card charges a {$25.00} late fee AND interest. That 's outrageous! The late fee is high and the company is charging TWICE for an error.

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 2015-05-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have a XXXX Visa Citi debit cards ( $ 100/card XXXX and realized the expiration was XXXX on XXXX cards. I called today and they told me they would not reissue the cards. The cards are definitely less than 2 years old so this restrictive timeframe is not consistent with the direction provided by your site XXXX that a 5 year time frame would be allowed XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Macys credit card, XXXX. Fraud alert, approximately $ XXXX used at XXXX in XXXX. I reported it as fraud and they stated they would deal with it. Following the initial phone call I 've attempted to reach out and pay my bill and to no avail. I was locked out of my account which STILL states I owe XXXX, I can not access any remaining information on my card ... such as transactions. I attempted to message them and ask if they could unlock it, or tell me the transactions. They proceeded to tell me how to activate a new card ... I 've tried to reach out on the phone only for someone to muffle into the phone -- 60+ minutes -- and try to tell me to pay the XXXX on my new card and leave the old account.. NO IM NOT LEAVING THE OLD ACCOUNT, WHICH IS CONNECTED TO MY INFORMATION. It 's been a month of me trying to get the XXXX off my bill, which is showing up in correlation to my credit score. I 've canceled the card today and have request a paper stating both account are " XXXX and closed '' but I am unsure if it will dissapear. because as of now my online account still shows a balance.

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 2015-04-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
On XXXX XXXX 2015 I went to Macy 's in XXXX. Tried to use my credit card. Denied. Said because I had n't paid the bill. I said I have n't received any statements. Told me I had gone paperless. Did n't think so. Went home tried to pay bill online, response was " not set up for online bill pay. '' Called Macys again, said I had not gone paperless, just argued with me. I told them this was a problem on their end not mine, would n't listen, said if I paid my bills on time I would n't have this problem. Paid my bill and {$50.00} in fees and closed my acct. How can they do that?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a Costco XXXX XXXX credit card for over 8 years and have always been on the automatic full payment method from my bank checking account. When Costco changed to Citi Visa credit cards I was issued a new Visa card. The first statement from Citi Visa is charging me {$72.00} interest and saying the previous balance was not paid in full. The statement ( attached ) shows a previous balance of {$4400.00} and a autopay payment of $ {$4300.00} leaving an unpaid balance of {$120.00}. Because I 've been enrolled in autopay for many years I do n't believe this is possible. I spoke with a representative at Citi Visa who acknowledged the previous payment and attempted to credit me for the interest charge but was " not authorized '' to do so. I asked to be transferred to someone who had that authority but was told I had to specify who I wanted to speak with - impossible since I do n't know anyone there! I asked for her supervisor and was told that a supervisor would call me within 24 hours. That was 4 days ago so I called again today. This representative said she was unable to do anything and would have a manager call me. I have no confidence in that and therefore I am filing this formal 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 monetary relief
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Initially, I purchased my home in XXXX, in XXXX my home was mortgaged with CitiMortgage at an 8.5 % interest rate. XXXX, XXXX, I applied for a modification to lower my interest rates, only. XXXX, XXXX, I suddenly lost my job after XXXX years and XXXX months with the same company, ( XXXX XXXX XXXX XXXX ). I panicked and mistakenly told CitiMortgage about my release, but I assured them I had comfortable savings account, interest from my IRA, unemployment and spousal support incomes. CitiMortgage accepted my monthly payments until XXXX, XXXX when they returned my check and XXXX, XXXX put my home in foreclosure. XXXX, XXXX, I went to XXXX. XXXX, XXXX, CitiMortgage resumed my mortgage loan for {$6400.00}, 20 years at 8.5 % interest rates. I returned from XXXX XXXX, XXXX. Citi Mortgage has falsified my credit report, quoting my last payment before foreclosure was XXXX, XXXX. I have bank statements of payments thru XXXX, XXXX. XXXX, XXXX CitiMortgage transferred my loan to XXXX XXXX XXXX. I have credit reports where I made monthly payments and there were no deductions from my principal balance. CitiMortgage has ruined my credit and refuse to make corrections. XXXX, XXXX, I had a XXXX Credit score and if they had left my loan as it was I would have paid it off when I went to XXXX. I want to file a lawsuit against CitiMortgage for {$200000.00} to payoff my home and the stress and discomforts CitiMortgage has inflicted upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
THIS IS A COMPLAINT AGAINST CREDIT CARDS OF THE CITI BANK. I AM A CITI GOLD CLIENT, I HAD WITH ALL THE PRODUCTS IN WHICH THE CREDIT IS THERE, CITI PRESTIGE, CITI THANK YOU, CITI COSTCO, CITI HOMEDEPOT AND CITI BEST BUY. My MI was stolen. They opened my wallet at an XXXX mall in XXXX, and they took my purse, credit cards and other belongings. I MAKE THE REPORT TO THE POLICE AND AFTER CALLING THE BANK, BECAUSE THE THIEVES TAKE CONTROLS PAYED MY CREDIT ACCOUNTS AND THEY DELIVERED THE MONEY AND LEFT ME WITH AN IMPAGABLE DEBT, BUT YOU KNOW THAT THE REACTION OF THE BANK IS CLOSING ME THE ALL ACCOUNTS, WHEN THE ONLY THOSE WHO HAVE BEEN AFFECTED WERE THE PRESTIGE OF CITI. CITI THANKS AND CITI COSTCO, BUT THEY ARBITRARYLY CLOSED ME ALL THE ACCOUNTS, WHEN THERE IS A POLICY THAT IF THEY ARE NOT CUPABLE OF THE ROBOT, THAT THE BANK IS RESPONSIBLE FOR THE CASE AND DELIVER ALL MONEY TO THE CARD, OBJECT OF XXXX BY THE EXECUTIVES OF CITI BANK, NEVER SENT ANOTHER PLASTIC AND HAVE CLOSED ALL THE CREDIT CARDS WITH HIM, AND HAVE BEEN SO LIEF THAT THEY SAID I HAVE SENT THEIR PLASTIC, HAVE NEVER COME AND LEAVE ME WITH THE DEBT, THE WORST THAN THESE BEARS BEFORE The robot was a customer who paid everything I have consumed and never left with payments and paid the TOTAL DEBIT, AND FOR A STOLE THAT WAS NOT MY FAULT, I WAS CLOSED BY THE ACCOUNTS AND ARE SO ABSOLUTE TO TELL ME YOU CAN APPLY AGAIN. IF AS IF THEM AFTER THE HISTORY THAT HAVE I GAVE ANOTHER CREDIT, THE XXXX OF ALL THIS IS THAT THE MONOPOLY OF THIS COUNTRY IS MANAGED BY CITI BANK, NOW SAY WHO IS GIVING ME ANOTHER CREDIT CARD? I HAVE A CREDIT FOR ABOVE XXXX POINTS AND HOW THEY HAVE THE XXXX NOW I CAN NEVER BE ABLE TO HAVE A CREDIT CARD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Credit privilege are restricted on my existing account without any reason.

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