vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-06 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The new IRS regulation limiting the IRA rollovers has put a burden on those of us who have saved for retirement and are trying to manage our own investments without paying fees to stockbrokers. IRS publication XXXX, XXXX XXXX, 2014 states that " trustees are encouraged to provide the customer a check made payable to the receiving IRA trustee. '' This would satisfy the trustee to trustee requirement. Citibank refuses to accommodate our request and instead wants to charge us a {$75.00} fee to use the trustee to trustee transfer method. We feel that we have been penalized enough and are at a loss as to how to cope with continuing to have to deal with regulations that are not friendly to the customer. 
We realize that you do n't control interest rates, but before we could at least move our retirement accounts around to get the best interest rate, however meager.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy's/American Express card was compromised. I called company of fraud charges on XXXX/XXXX/2016. The fraud activity that took place in XXXX and XXXX. I have not been to either of those XXXX states and had my card in my possession. The card company stated they would send me a document for dispute that I needed to complete & send back to them via mail only. I completed the form and sent it on XXXX/XXXX/2016. I checked XX/XX/XXXX & they claim to not have received it so I sent another statement of fraud on XXXX/XXXX/2016 via certified mail. I have proof that they received the statement of fraud on XXXX/XXXX/16 but I have not received a letter acknowledging they received my dispute, and they have not solved my case that keeps accumulating finance charges.

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 2015-09-01 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC.
State: NM

Complaint narrative:
Company continues to call after being asked NOT too, harrasses, uses vulgar language and name calls, impersonates police officers and state authorities, makes false claims about opening criminal cases for not paying debt. Caller has never validated debt by mail or by phone, and will not allow caller to submit identity theft paperwork or police reports to their office. multiple callers will get on the line and shamelessly bash you into the ground.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I asked Citibank for a payment history of my Student Loan. I have called Citibank several times asking for the payment history from XX/XX/XXXX to XX/XX/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 2016-09-30 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am attaching a statement, but the short version is Citibank denied my credit increase based on an exisiting Payment Arrangement program - that they say I am enrolled in. However, they have no proof of that, and in fact XXXX of the staff that I spoke with agreed that I am not in any program and that my card is in good standing. After speaking with different staff at Citibank - I was told that " I must have had a debt charged off with Citibank, sometime in the past 36 months. '' However, they have no information about this, no dates, no amounts, nothing and they also will not provide me this in writing.

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 2016-11-07 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
i contacted the company related to moving some of my personal items from XXXX, XXXX to XXXX XXXX. Initially there were 10 medium boxes, i cabinet, 10 dining chairs, 1 dining table and 2 coffee tables. The quote given to me was for {$1700.00} and i was to pay {$600.00} which i did. A few more items were added and the estimate went up {$2100.00} and the down payment increased to {$850.00}. I paid the differential in the downpayment of {$250.00} for a total payment of {$850.00}. On the pick up date the driver refused to honor the contract and stated that it would cost nearly {$5500.00} to move the goods as in his view the goods to be moved had increased. I refused that as there was no increase in the goods to be moved. Since i refused to pay any additional amount from the originally contracted amount the driver left and the moving company refused to give back my initial deposit. They later offered to give me back 50 % of the deposit which i refused as I want the full amount. This is a classic bait and switch operation. 
I contacted my credit card company to stop payment and they initially reversed the payment and later refused to entertain my request as they said that the terms of the agreement were that deposits are forfeited once paid. The contract was voided once the driver refused to honor the contract till i paid more which i was not ready to entertain. The credit card company should have known better and even after i provided them with all the information they refused. Not only have they reversed the charges ... but are charging me late fee and interests on this amount

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 2015-06-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened a Citi / AAdvantage Platinum Select credit card late XXXX this year XXXX 2015 ). Citi told me to spend over {$3000.00} within the XXXX 90 days to receive a XXXX miles bonus. I spent well over {$3000.00} within the XXXX approximately two months, but the bonus never showed up. I contacted Citi Customer Service regarding the issue, but they told me that I was holding a similar credit card project before, so they could not issue the bonus anymore. When asked the details regarding the " other similar credit card '' that they stated I was holding, Citi refused to provide any information on that and told me to refer to the original welcome letter, which I was supposed to have received at some point in the past. I believe there was mishandling on my account regarding this matter. The representative was rude and not cooperative at all. Citi simply refused to provide information that they based their decision upon, refused to honor the claimed bonus in the acquisition offer, and left the consumer completely in the dark.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
During the process of selling my current home and buying another I found out that I could n't sale, according to the Loan Officer it appear I had a dispute in my credit history apparently due to a foreclosure like issue, that prompt me to look into it. 
It begin XXXX when I tried to refinance through Home Affordable Refinance, at the start of it I was told that I qualified even though I had no late payments but later I was told that I did not qualify, but yet CitiMortgage offered to refinance for a lower interest rate, the process was very confusing but they reassured me that it would not impact me negatively in any way, during the process I was asked to under go a trial of XXXX months making payments equal to {$650.00} and again we asked if this would damaged my credit but they reassured me again that there would not be any problems while the new loan became active and then resume payments at the new interest rate ( by the way the new interest rate actually went up less than a XXXX of point from 4.625 % to 5.000 % and the new mortgage only reflected a {$69.00} monthly savings and they took it from a XXXX fixed ). Not even close to what they have promised to lower the interest rate keep the 30yr fixed and save {$280.00} monthly, but even more confusing was to find out through the Loan Officer that the execution of the refinancing provided by CitiMortgage did not take place the same year they approved it XX/XX/XXXX but rather they executed the loan XXXX years later meaning XX/XX/XXXX at this point I 'm still confuse on what took place and I do n't know if any of my payments were credited to the loan and how did I come to have a dispute based on late payments that never existed. 
Now they have not only ruin my credit history making it difficult to sale and buy a new home, but also took advantage of me by extending the loan and not delivering what they promised. Lately I 've received XXXX letters via XXXX Urgent where CitiMortgage wants me to refinance again and to take advantage of the new low interest rate, I have lost all trust on that organization and I often wander if what they are trying to do is cover up the atrocity they committed to us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25 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: OH

Complaint narrative:
a law firm filed a bogus credit card debt through XXXX while i was in texas and reieveid a default judgemenet. when a i returned i filed a motion that to set aside the judgement, the judge denied the motion. i called the aledged company and they in formed me that they do not issue credit card and had no records of any such transaction. i mailed the collection agency and their new law firm a debt validation and cease and dessit letter, their response was that the default judgement was thier proof. they are garnishing my wages with the courts help the court refuses to recognize federal and constitutional law, as well as ignored my request for due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Dear CFPB, We had been problem with Citibank for XXXX year. We was not able keep property up for sale and it went under contract XXXX times. Each the over of Mortgage ( XXXX ) keep denying the sale. Also other sale contract coming in close to the full listing price, Awhile this negotiating process was going on and the Foreclosure was still going on without my knowledge. We just found out today that property is listed for sheriff sale in about XXXX week. All the while we understood that the foreclosure was put up on hold. We need help, we are trying sell property and we have worked with the lender in every regard. We believe this is illegal because it called dual tracking, neggotiaty XXXX hand and foreclosure with other. 
Thank youXXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Lending Club Corp
State: NJ

Complaint narrative:
In XXXX of 2016 me and I wife opened a roth IRA with lending club XXXX dollars each. Lending club has a promotion that if we keep XXXX $ min all fees associated with the IRA would be waived. The promotion is still available in the website for verification purposes. We keep the money in cash and after learning more of the investment options in Lending club decided to move our IRA to our investment firm XXXX for more conservative options. When I called up lending club to transfer the funds they informed us that we need to call up the IRA custodian account and there would be a termination fee of XXXX $ which could be raised any time and it was left to the discretion of the custodian. In other words the custodian would charge me and my wife XXXX $ to simply close the account and transfer to another IRA account. I have retirement accounts with XXXX, XXXX XXXX, XXXX and XXXX and none have termination fees to close accounts and I am shocked at not knowing. Lending club should have been fair enough to disclose termination fees upfront and the pricing of XXXX to close a account is shocking and close to price gouging. Keep in mind all the money is still in money market and not invested in any product. To simply move my money to another account and pay a fee of XXXX $ for that is simply a predatory practise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a Best Buy store card through Citi that advertises a " no interest '' promotional period. First, it was not at all made clear to me that the interest still accumulates unless you pay the balance in full. Secondly, I had requested and received alerts regarding promo-balances coming to the end of their designated time periods. In XXXX, XXXX promotional balances came up without notice and my balance more than doubled ( over {$3000.00} in interest charges ). 

I ca n't imagine that they would have no obligation to actively notify me that I 'm about to incur a {$3000.00} 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 explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a direct payment on line issued on XXXX/XXXX/16 to Goodyear Credit Card/Citibank. My bank showed that payment was made and received on XXXX/XXXX/16, which was due on XXXX/XXXX/16. I received my Goodyear bill on XXXX/XXXX/16, showing payment was never made. I reviewed my on-line account and it showed payment was made and cleared. I contacted my bank and they are looking into it, as the account number is correct. I contacted Goodyear/Citibank and advised them of same, asking them to not charge me the late feel. I offered to show them my bank statement advising of same, but they refused to credit the late fee, stating my payment was late, apparently not even reading my email. I went on line to Goodyear directly, after talking with my bank and made a payment to avoid another late payment. Please assist me in getting my late fee reimbursed, as the payment was made timely, it was an issue with my bank sending the payment. 
I tried to attach my history of payment, but the website would n't let me attach anything

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 2015-06-20 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Before going on vacation, I set my CitiBank credit card online account to pay my amount owed automatically on XXXX XXXX 2015. My bill of XXXX dollars was due the next day on XXXX XXXX 2015. When I returned from vacation on XXXX XXXX, I was shocked to see XXXX emails that had been sent to me on XXXX XXXX 2015 telling me my credit limits on XXXX cards that I hold with Citi had been significantly reduced XXXX XXXX card from XXXX to XXXX and the other from XXXX to XXXX dollars ) and the XXXX had been cancelled all together. I was also charged a XXXX dollar late fee and my APR was increased from XXXX to XXXX on my remaining cards. I called the company to complain about the situation and was basically told there was nothing they could do to help me. The representative did say he would ask them to remove the XXXX dollar late charge and any remark placed on my credit report, but they may or may not help me with that. I 'm sorry that their system was acting crazy when I tried to submit my payment and it might have not went through, but this being the XXXX time I have missed a payment deadline with them I would have expected them to call me ( seeing as they had my cell number already ) or send me an email ( since they apparently had that as well ). I am in disbelief that they could do this to a customer who has never missed a payment and payed more than the minimum amount most of the time for more than XXXX years. So basically, their website was acting up ( kept freezing up ) when I made the payment and I thought it went through and because of my error I triggered a credit downgrade, a huge credit APR increase, a XXXX dollar charge and a possible derogatory remark on my credit statement. By the way, I paid the entire XXXX dollars I was told I had to pay as the new minimum payment on XXXX/XXXX/15 ( the day I returned from vacation and saw the emails ). This from a company that had to be rescued by taxpayers just a few years ago for mismanaging their assets. I do n't think this is fair and it is abusive to consumers. I would appreciate any help that you could provide me. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened a Citigold Checking Account under a promotional code that would give me XXXX XXXX XXXX miles once I completed the requirements. Citibank accepted my application so I began using the account. Once I completed the requirements for the promotion, I sent Citibank a secure message in their internal system to confirm I met the requirements. They responded that I did and should expect my miles deposited by XXXX/XXXX/16. We are past this date and I have still not received the miles in my account. I reached out to Citibank and they told me they are not going to award me the miles saying " I was not targeted for the promotion and they will open a separate investigation with no timeline on a response ''. The problem with this is, they accepted my application with the promotion and their customer service representative confirmed I met the requirements.

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 2016-08-27 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I called Citi for the third time this year to request a reduction in the interest rate for a credit card that I have had for 15+ years. They denied my request each time. I began making automatic payments of {$950.00} a month 1 year ago. My balance in now under {$3000.00}. They continue to charge me 28.9 % interest. Now, my interest payments are greater than the costs of any charges on the card, should n't they reduce it? Whenever I call, I ask to speak with a manager. This time they told me " marketing '' sets the rates on cards! I asked for a manager again, was put on hold for 8 minutes, then cut off. Bad bank, bad policy, bad service. Ca n't we today this card 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 explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a Macy 's Store Card and all of a sudden in XXXX of 2015, unbeknownst and unapproved by me, they started charging me {$0.00}, {$0.00}, {$1.00} every month and then charging me minimum finance charge and late fees when I did n't see it getting paid. 

The information for the company billing me was 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
Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I 've been using my Citi Executive Card for over 8 months and have been paying my bill on time using the same bank account and routing number. However, in XX/XX/XXXX I made a payment of {$2700.00} to CitiBank and the amount went " missing '', the company blaming the problem on a " faulty bank account ''. The bank account was actually the same one I 've been using over the last 8 months to pay for my bill, and there was never an issue with it. I 've spoken to my bank and they claim the money was sent out ( the money is not in my bank account ). Additionally, the credit card company, CitiCard, is now failing to investigate this further and placing fees and additional interest rate to my card for their mistake.

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 2015-08-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a business line of credit with Wells Fargo Bank. My company went bankrupt but we continued paying on the loan. Wells Fargo unilaterally discontinued our account access and sent no statements. They contacted us after XXXX months and still refused to give us account access since it was part of our company, but they said we had to pay it since it was personally guaranteed. They still would n't send any statements or billings. Today they took over {$3400.00} out of my personal Wells Fargo account. They still have not given me any written explanation of the amount, fees, interest, anything. The representative at Wells Fargo XXXX XXXX at XXXX XXXX was not only rude but also refused to give me any information about the amount taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation