vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/2015 I received an offer from Citibank to apply for the Citi Advantage card with, which was offering a seasonal bonus of XXXX miles if {$3000.00} in purchases was made within 3 months of account opening. I was at the time a XXXX year old XXXX XXXX who had never had a credit card and although I was cautious but I decided to apply. I am very conservative about sending so my plan was to use the card on expenditures I otherwise would have made with my debit card. Specifically, I planned to charge my Fall tuition to the card in order to reach the spending requirement before the offer expired. I was approved for a Platinum Select with a {$2500.00} LOC. I received the card after the XXXX holiday and activated it in XX/XX/XXXX. My XXXX purchase was made on XX/XX/XXXX. Over the next 3 months I used my card instead of my bank account for tuition expenses as well as other medium to large purchases, diligently trying to make sure I reached the $ XXXX in charges. Before deciding to apply, I had called the customer service line on the mailer and asked about the details of the program and I was told that " account opening '' referred to my activation of the card and this would commence the 3 month countdown. This being my very 1st credit card experience I took that at face value, additionally, when my card arrived the accompanying package contained literature which had disclosures, but none which expressly outlined Citibank 's definition of account opening. I tracked my purchases and calculated {$3000.00} in purchases by XX/XX/XXXX, however, when I called in XX/XX/XXXX to inquire when the miles would be reflected I was told that I had missed the spending requirement, having made only {$2900.00} in purchases because they were disallowing my last purchase. I am by all accounts crestfallen, here i am having accumulated $ XXXX in charges and related interest and Citibank is insisting that they will not honor my bonus reward because they started the clock from the date of approval. I find this to be a very deceptive tactic on their part, how can it be expected for a cardholder to fulfill program spending requirements with a card they have not yet received. As a young student trying to be wise about credit and finances, I feel very much disillusioned by this experience with Citibank. I do not feel that their credit card disclosure adequately addresses the specifics of the Bonus Rewards program in regards to qualifiers ( lack of definitions, glossary etc ). I would like Citibank to address my grievance.

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 2016-02-27 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My XXXX/XXXX/XXXX statement from Macy 's credit card indicated that my New Balance due was {$280.00} and this was due by XXXX/XXXX/XXXX. I paid the entire New Balance on XXXX/XXXX/XXXX. I was issued another statement on XXXX/XXXX/XXXX. This statement indicated that I was charged interest of {$4.00} ; however, I paid the previous balance in full before the due date. On the second page of my credit card bill for XXXX/XXXX/XXXX, the second sentence under " How to avoid paying interest on purchases '' explicitly says " We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. '' While this may not seem like a lot of money, I realized that this has happened to me in the past with the Macy 's credit card. Additionally, it makes me think that they are doing this to all of their customers. I have never had a credit card that still charges interest after I have paid the balance in full and on time. 

I called Macy 's and was explained that because I had a previous balance from my XXXX/XXXX/XXXX statement of {$91.00}, in which I was charged interest of {$2.00} in the XXXX/XXXX/XXXX statement, I was charged interest of {$4.00} in my XXXX/XXXX/XXXX statement. Their explanation to this interest charge was based on a note indicated in their XXXX/XXXX/XXXX statement. It is a long, difficult to follow note that I would be happy to supply upon request. Regardless, I am not familiar with consumer credit rules ; however, as stated previously, I am concerned that a credit card company is charging interest after balances are paid in full and on time, as this is something that I have not experienced with other creditors. 

I did not become aware of this extra interest fee until my XXXX/XXXX/XXXX statement arrived and the balance was {$6.00}. When I called Macy 's they indicated that this amount would be credited back to me, and the new balance would be XXXX dollars. While this issue was resolved, I still feel that it is something that warrants additionally concerns since this is likely happening to thousands of consumers.

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 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This complaint is in reference to a Macy 's account that has been charged off several years ago and for which I received a XXXX for the balance. The account has been disputed several times with the credit bureaus for the inaccurate way its being reported. The account currently shows a balanced owed and late status which is inaccurate. Please address the correction of this account for I have done so with to no avail.

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 2016-04-01 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Today XXXX XXXX, 2016 I did called the sears citi master card to request for credit increased. The male representative in XXXX XXXX, never even check his system he just asked my social security number, and never reviewed the report that I have, this company made a mistaked and went into my account, to enrolled me to a paper less payment, this company told me, that I owed them, and they said that there will be a late charged, Ive been in this company for almost 5 years, but I never missed my statement from them, there male representative declined my credit increased, and hang up on me, he ruin my credit report, I called there investigation department, and they said, that they will call this guy, but they will never call me anymore, is this a right policy, how this company ruin my credit, there representative told me, that my payment will be hold for 48 hours, so by Monday, that is the day I could apply for increase. Its not the company but the poor of this call center.

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 2016-08-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I walked into a Citibank branch at XXXX XXXX XXXX, XXXX, NY XXXX ( I have a Checking Account with Citibank ) and ordered about {$300.00} worth of a foreign currency. For some reason, my Checking Account got debited twice for the order ( i.e. I was charged twice as much as I was supposed to be charged ), even though my receipt only indicated that I placed the order once. I went back an hour later and was told the problem would be corrected by the end of the day. It was n't. I called Citibank, and was told that it would take 45-90 days to resolve the problem through corporate. This is completely unacceptable - I lost access to my money and I have bills to pay on which I 'll be charged interest if they are late.

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 2015-04-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
unable to pay my loan to One Main Financial, ive told them verbally to do not call me and sent them certified letter stating that also, they continue to keep calling my work and im at risk of loosing my job,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I was contacted by Citi to refinance my mortgage and told that they could use the documents from my HELOC that close 2 weeks before. Without highlighting or asking permission, XXXX XXXX, pulled our credit. He then informed us that our credit score was below the allowed score to qualify for the lower refi rate. This was a complete bait and switch since there was no mention of needing to qualify to be eligible fore the lower rate that he quoted us. He also never asked permission or mentioned that he was going to pull our credit. Even worse, we have since learned that Citi pulled our credit twice without approval. Once on XX/XX/XXXX and again on XX/XX/XXXX. We want to file a formal complaint about the bait and switch tactics and pulling our credit twice without permission. Obviously credit needs to be pulled for a mortgage, but it was highlighted that they would use our documents from the recent HELOC that was closed 2 weeks before.

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 2016-08-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was contacted online by a person claiming to be private money lender for Real Estate deals. I sent from my banking establishment an application which he requested, {$1500.00} to his banking institution with a promise of financing a Real Estate deal. After further consideration, I opted to not go through with the loan and requested a refund of {$1500.00}. I was told the money would be refunded in 42 weeks, which is unacceptable unless all his customers are treated this way.

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 2017-03-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
on XX/XX/2017 I went into the Macys store in XXXX in XXXX Illinois to make my payment in full that was due XX/XX/2017. The payment was done by electronic check and when the payment cleared on my bank statement I destroyed the check. Macys sent me a bill the following month that st5ated no payment was made and billed me late fees and finance charges. Macys took my money and applied it somewhere but not to my account. I contacted XXXX bank and filed fraud claim number XXXX on XXXX to date macys has my money and XXXX has not advised if they were able to trace the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Signed up for a Citigold account with a promotion code XXXX on XXXX/XXXX/16 that had a bonus of XXXX miles when meeting the promotional terms ( 2 consecutive bill pays and {$1000.00} spend on the debit card ). Met those terms, and asked for confirmation through secure message on XXXX/XXXX/16, and CSR confirmed that I have indeed met those terms and the miles will be credited after XXXX/XXXX/16 within 10 days. Miles have not posted, so I ask through secure message again, and on XXXX/XXXX/16 received notice saying that I was not eligible but will be receiving notice through the promotions department soon. I have not received any notice since. Upon searching through the CFPB database, there are hundreds, if not thousands, of cases similar to my situation, which means that Citibank knowingly tried to not honor the promotion to many of its 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 non-monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I requested a balance transfer from XXXX XXXX made to CITI Cards for account ending XXXX. CITI cards applied the transfer dollar amount of {$2000.00} to card ending XXXX. Why was the transfer applied to account ending XXXX? and not XXXX? 
Please send copies of all monthly account statements for XXXX XXXX XXXX account XXXX ( not including XXXX ) beginning XXXX account opening through 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 2015-03-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
We received a correspondence dated XXXX XXXX, 2015 from a XXXX XXXX, stating that she did a thorough review of the alleged " account ''. and it did not show any Loss Mitigation Activity. We immediately responded with a request asking what protocol CitiMortage use to determine Loss Mitigation? Was is in reference to the XXXX XXXX attested documents, or the trust filed with the sec.gov. ( already been satisfied ) Citi is well aware this is being disputed under the FDCPA. They have not answered our questions regarding their determination for Loss Mitigation? 
We will be pursuing remedy in a Court of Law for violations of the FDCPA and Maryland Consumer Protection Act, and criminal conduct. However, Citi should still have to answer our question regarding XXXX XXXX attested documents, or the Trust? 
CitiMortgage legal Counsel, who is also aware this is being disputed, again sent another letter stating that Foreclosure Proceedings were going to start. Even though this is alleged debt is being disputed under the FDCPA. The cat and mouse game is getting really old. 
The psa can be found at www.sec.gov, cik # XXXX, XXXX Series.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I have a hardship with my mortgage and my mortgage is with Citifinancial. They have dragged this process out for 10 months which is unacceptable. I reached out to a housing counseling agency in XXXX. My housing counselor has been working with me from XXXX to present. We are currently in mediation with this lender and just recent they denied for any home retention options. I have been wanting to reconcile my mortgage for months. I have good faith payment of XXXX to help get the mortgage back on track. We have even sent them a proposal but no response from lender. Just recent I got a call from the lender and the rep 's name was XXXX XXXX employ ID # XXXX XXXX OR XXXX. He told me they would accept an offer and to fax proposal to him. I called my housing counselor we faxed the proposal to XXXX and we have not heard from him in weeks and now we cant even locate him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I need to ask for your help. I had been initially approved for a streamlined refinance through Citimortgage They are now refusing to refinance me because they say my payment was late, after XXXX+ years of on time payments I got paid on Friday XX/XX/XXXX, but it was XXXX the seventh night. I could n't pay them until the holiday was over, on XX/XX/XXXX, at night. I did, nut they said they got it XXXX/XXXX/16. I welcome any advice or assistance. 


Here is a copy of the email. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Citibank Refinance XXXX URGENT Inbox x XXXX, XXXX XXXX XXXX XXXX ( 1 day ago ) to XXXX Good morning XXXX XXXX, XXXX underwriter reviewed your loan application. We will not be able to approve the above referenced loan as submitted for the following reason ( s ) : Decline-XX/XX/2016 payment made XX/XX/2016-loan is no longer eligible for the Home Affordable Refinance Program If there is any additional information that has changed or should be considered, please let me know as soon as possible. 

If we do not receive the revised request by ** XXXX/XXXX/2016 ** the loan will be declined based on the original terms. 

Thank you. 

XXXX XXXX XXXX ( XXXX ) Citibank N.A . 
Sr Loan Officer XXXX # XXXX Phone XXXX ext XXXX Fax 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 2016-03-01 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Informed Citibank that the amount owed on a mortgage second that I did not owe the money stated I owed. Spoke with my mortgage company XXXX last month and informed me Citi had written off my second mortgage per my credit report. Received a letter again from after loan was written off as a bad debit by Citi per my XXXX XXXX. Citi is not using abusive collection practices sharing my information with other collection agencies and I am getting letters of collection for this debit that was written off per my XXXX XXXX. This is unfair collection practice and trickery me and ruining my credit. I have no idea what is going on with my social security number. Citi is sharing my personal information without my permission and trying to defraud 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 explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I set up recurring bill pay with Citibank through my checking account to pay my cable bill every month. In XX/XX/XXXX, I went in to Citibank branch and asked verbally and in writing for the recurring bill pay to stop as I was about to move XX/XX/XXXX. I thought that giving them XXXX weeks notice would be sufficient. 
Citibank, however, failed to put through the request. In XX/XX/XXXX, XXXX months later, the cable bill amount was still being deducted and sent to AT & T. I was no longer living there and the new tenants were having a difficult time setting up their cable in their names as I was still being charged cable for that apartment. 
I have spend countless hours trying to resolve this. Citibank says I need to deal with AT & T, but AT & T says I have to take up the issue with Citibank. They each claim the other is responsible for returning to me the money. I have spent hours on the phone and in person with both companies and now have no idea what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX/XXXX/2016 I mailed a hardship/cease and desist request to Macy 's. However Macy 's continues to call my cell phone and home phone repeatedly at all hours of the day. I am elderly with severe health issues ; these calls have resulted in increased XXXX for 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 explanation
Consumer complaint received 2015-03-25 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:
Customer : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX California XXXX Tel : XXXX ; E-mail : XXXXXXXXXXXX Complaint Against : CITI BANK,XXXX XXXX XXXX, XXXX XXXX , CA XXXX Tel:XXXX ; Fax:XXXX POC : XXXX XXXX, Bank Manager Claim for refund of the {$180.00} Legal Fees charged to my account, in the year 2012, I believe, when I was away on XXXX XXXX, when the IRS took money from my bank account. The CITI BANK charged me the {$180.00} as " Legal Fees. '' I want refund of the money. I was a customer of the Citi Banlk for several years. The bank should have appreciated that. 
I spoke to the bank manager, he referred me to the District Manager, who never returned my phone calls. 
FDIC should help me recover my money. This is notto treat customers who are serving in the U.S. military. The bank should be appreciative of my situation, and not undue advantage of me.The bank makes a lot of money.The directors make XXXX.So, why take advantage of a poor person?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I WAS OFFERED ALOAN MODIFICATION BUT IT JUST STATED A PAYMENT .I REQUESTED SPECIFICS SUCH AS AGGRAGATE BALANC EFINANCED, INTREST RATE, BREAKDOWN OF THE PAYMY AS IT RELATES TO ESCROWS AND PRINCIPLE AN INTREST IN WRITING NOTHING HAS BEEN RECEIVED AS A REPLY TO DATE XXXX XXXX AT CITIMORTGE REFUSES IN HIS OBSTNATE WAY TO PROVIDE INFORMATION ON SPECIFICS .HOW CAN CITI EXPECT A BORROWER TO SIGN ON BLINDLY AND MAKE PAYMENT WITHOUT KNOWING SPECIFICS.XXXX XXXX NEEDS TO BE REMOVED FORM XXXX AND SOMEONE WHO OS SERIOUS ABOUT HOMEOWNER PRESERVATION .HE STATED THEIR WAS NO LETTER OF AUTHORIZATION ON FILE WHEN THERE WAS AS IT RELATES TO MY SPUSE SPEAKING ON ACCOUNT .CITIMORTGE IS HINDERING THIS MODIFICATION AND HASTENING FORECLOSURE LIKE THEY ALWAYS WANTED

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