vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX, 2015 there were XXXX ( XXXX ) unauthorized ATM withdrawals against my checking account and another XXXX ( XXXX ) unauthorized ATM withdrawals on XXXX XXXX, 2015. All XXXX ( XXXX ) unauthorized ATM withdrawals occurred in XXXX XXXX, XXXX. I was never in XXXX, I know no one who lives in XXXX. I work full time as a XXXX for XXXX in XXXX. I worked on XXXX XXXX, 2015 from XXXX to XXXX. I could not have possibly been in XXXX for the withdrawals. No one had access to my ATM card and the card has always been in my possession. I did not disclose my PIN number to anyone. The last time I used my ATM card on XXXX/XXXX/15 at XXXX in XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX. On XXXX/XXXX/15 I went to the Citibank ATM at XXXX XXXX XXXX, XXXX, XXXX XXXX to see why I had no available funds. I printed out mini statements that showed unauthorized ATM transactions. On XXXX/XXXX/15 I called Citibank customer service and filed a complaint of unauthorized ATM withdrawals. I received a letter dated XXXX/XXXX/15 from Citibank stating that they refused to credit my checking account for the unauthorized ATM withdrawals. I have filed a police report of the theft of my identity and money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Reference # XXXX Report XXXX To Dear XXXX, I applied for a Home Depot card over the internet on XX/XX/2017 
I was advised that I needed to call XXXX to complete my application. I did. 

The representative advised me to go into a store and show my identification along with another form of ID like a bank card etc. I went to Home Depot located at XXXX the next day on Friday XXXX. The lady in customer service called customer service over the phone and the person she spoke with told her I needed to have a credit card on my person with at least a year history. I did n't have any credit cards on me at the time only a back card. 

Be advised, I was not told this previously when I called over the phone if so i would have been better prepared and I waited in line to be helped for an hour and barely made it to work on time. 

I went back to the store today Saturday XXXX and met with the same lady in customer service who tried to help me previously. I brought my XXXX card with me that I have had for more than a year ... XXXX she called customer service over the phone and was told the XXXX card does not appear on my credit!!! 

I find this process to be immensely frustrating!! I am a hard working man and I have not done anything wrong but try to apply for a card from what I thought was XXXX of the best appliance companies around, and I am being treated unfairly or treated as if I am a criminal. I am very frugal and do n't have a lot of credit because I mostly made purchases with cash, but my work load has increased from secondary job and buying things flat out can be a little pricey .... besides I noticed they offer a lot of benefits by having a Home Depot charge card. 

I 'm just appalled that I have been treated this way. I also just got home and saw that the XXXX Card is in fact showing on my XXXX Credit Report. I am speechless!!!

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 2015-05-10 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Dispute of Charges -- Offer of {$100.00} credit for applying for Citi credit card account on XXXX XXXX website is not being honored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-23 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was sent an email from XXXX XXXX/Citibank for a new credit card with XXXX bous miles after spending {$3000.00} in three months. I exceeded the spending threshold but did not receive the miles. I spoke with Citibank - they claimed that they had no evidence that I signed up for this promotion and refused to grant the miles. They asked for documentation that I was offered this promotion, but I have long since thrown away the envelope. I am frustrated with what seems like fraudulent advertising.

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 2016-06-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a bank account with Citibank and was promised XXXX XXXX XXXX miles after meeting criteria. I have e-mail confirmation that I met my criteria but they have still not credited me the miles. I have e-mailed them and spoken to them at least 5 times about this issue and have not received what I was promised or an actual response.

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 2015-12-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
According to documents that were sent to me prior to the approval of the refinance of my mortgage, there were some services related to the title of my property that I could shop for. I called a local title company and found that they had slightly better rates than had been quoted by the mortgage company, so I got their information to share with the mortgage company when the time came. When I was notified that my loan had been approved and I indicated that I wanted to use the title company I had identified, I was told that my loan had already been assigned to another company and that if I wanted to use the company I had identified, it would result in a two-week delay in the closing of the loan, pushing the closing past the lock-in date for the interest rate. I chose not to pursue the closer that I had found and went with the service the mortgage company had chosen. The person who came to my house for the closing on the loan was ill-prepared, so that she had to examine every document to see if my signature was required and where it would go. There were some documents that applied to her, but I had to sit while she read them to determine what needed my signature.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XXXX/XXXX/2016 I was informed by XXXX that CitiBank made a hard inquiry on XXXX/XXXX/2016 to access my credit profile. Unable to receive any detailed information as to the inquiry via several phone conversations with Citibank, i filed a complaint with CFPB. I had not initiated any applications for credit. On XXXX/XXXX/2016, over 60 days later, I receive a letter stating that they are still unable to locate the source of the inquiry that was made. I then supplied them with a copy of the credit file report showing the inquiry in question along with the last four digits of my social. On XXXX/XXXX/2016, I receive a letter stating that on XXXX/XXXX/2016, Citi had received an application for credit in my name that prompted the inquiry and that said application for credit was denied. Citi states they will contact XXXX and modify the inquiry to a non-display inquiry. This does not fulfill what was requested in the original complaint. I have no copy, nor any details, pertaining to the fraudulent application for credit. Citi states that they will notify XXXX, however I request that they notify all XXXX reporting agencies since it appears on all XXXX, not just XXXX. I also request a copy of the credit application and all other details as to the origin of said application.

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 2015-12-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: VI

Complaint narrative:
Citibank has seemingly had a major breach in their security system. I received a fraud alert call about a new card ( that had never been activated ) about a charge made from another country. I received the new card 3 days ago, after receiving a notice from Citibank 2-3 weeks ago that they would send me a new card due to a possible data breach. If the new card, which I had never used and had not activated, was used fraudulently, then there has to a breach either at the Citicard level or a vendor that they use. I am very concerned about this level of a breach. My account was closed but in my mind the integrity of Citicard 's security system is in question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Aspen National Financial, Inc.
State: MD

Complaint narrative:
I already have a case # XXXX and was told to resubmit a second complaint " not a duplicate '' This is about the dep't collection agency that has taken over the matter. I told them the bill was never sent to my address until it was in collections. The agency is called XXXX collections, their phone # XXXX or XXXX They are calling me every day on a dept. that I would have payed if I had ever received it. Now their is XXXX dollar additional charge and possible mark on my credit for a bill that was sent to the wrong address. I explained that I would pay the original amount of the original fee from the home owners association if some one actually sent me the bill. They said that was not their problem. PLEASE HELP ME with this corrupt unfair issue. I have also called The timeshare at XXXX at XXXX XXXX XXXX association XXXX times and am told each time that the manager is not their and will call me about the dept issue that they forwarded to XXXX. I never received a call.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
" The California Homeowner Bill of Rights became law on XXXX XXXX, 2013 to ensure fair lending and borrowing practices for California homeowners. 
The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process '' IS IT FAIR THAT IF YOU WANT TO HAVE ANY REPRESENTATION BY AN ATTORNEY, IT MAY COSTS A MINIMUM OF {$8000.00}? AND THERE IS NO GUARNTEE THAT YOU WILL SUCEED IN YOUR MORTGAGE MODIFICATION. 
IS THE PROCESS TRANSPARENT & FAIR WHEN YOU HAVE TO EDUCATE YOURSELF AND RESEARCH FOR HOURS AND HOURS JUST TO FIND ANY INFORMATION THAT MAY HELP YOU IN THE LOAN MODIFICATON PROCESS, IT APPEARS IT TAKES A LAW DEGREE TO FIGURE ANY OF THIS OUT?? 
IS IT TRANSPARENT & FAIR WHEN YOU DO N'T KNOW WHAT THE UNDERWRITER 'S CRITERIA IS, SO YOU MAY PROVIDE THE NECESSARY DOCUMENTATION TO MEET THEIR GUIDELINES FOR THE APPROVAL OF YOUR MORTGAGE MODIFICATION PROCESS?? 
IS IT TRANSPARENT & FAIR WHEN THE LENDER REQUIRES THAT I SEND A COUPLE OF REAMS OF PAPER ( DOCUMENTATION ), SPEND A {$1.00} A PAGE TO FAX IT AND/OR SPEND {$50.00} OR MORE FOR POSTAGE TO SEND IT TO THEM, IS THAT FAIR?? I DO N'T HAVE A FANCY COPIER, FAX, SCANNER OR COMPUTER IN MY HOME LIKE YOU HAVE IN YOUR UNDERWRITER 'S OFFICE. 
IT IS FAIR THAT I HAVE TO WAIT 6 MONTHS TO HEAR FOR AN UNDERWRITERS DECISION, FIND OUT THAT YOU NEED ANOTHER REAM OF PAPER FAXED TO YOU. THAT 'S FAIR??? 
I DARE YOU LENDER TO COME IN MY HOME - INSTEAD OF SENDING SOME FIELD REP FROM THE XXXX AREA TO TAKE PICTURES FROM THEIR CAR - YEP YOU CAN SEE THE XXXX FLAG I FLY FOR MY SON, WHO MADE THE DECISION TO SERVE HIS COUNTRY AND YOU SEND ME A LETTER ASKING IF I 'M IN THE MILITARY?? COME INTO MY HOME AND SEE HOW I LIVE, SEE HOW I STRUGGLE AND WORRY ABOUT LOSING MY HOME BECAUSE I 'M WAITING FOR AN UNDERWRITER 'S DECISION??? WHO ARE THESE UNDERWRITER 'S???? 
THIS CA HOMEOWNER 'S BILL OF RIGHTS DOES NOT HELP THE HOMEOWNER WHO IS TRYING TO SAVE THEIR HOME FROM FORCLOSURE. I 'M TRYING TO KEEP XXXX ELDERLY RETIRED FOLKS AND A FAIMLY OF XXXX FROM BEING HOMELESS!! 
I 'M SORRY LAWMAKERS, NON-PROFITS, ( AKA HUD CERTIFIED COUNSELORS ), ATTORNEYS & STATE AGENCIES YOU GET TO UTILIZE THE XXXX XXXX DOLLARS YOU RECEIVED FROM THESE LEDERS AND COVER YOUR SALARIES, OFFICES AND OVERHEAD - YOU ARE THE ONES PROFITING!! 
GET REAL - THERE IS NO TRANSPARCY AND WHAT IS YOUR DEFINITION OF BASIC FAIRNESS????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I 'm Filing This Complaint Against Wells Fargo AFTER Being Denied A Third Time, I REPEAT A Third Time For A C.L.I. On A Card I 've Had For 3 Years. I 've Been A WF Customer For OVER 4 Years, My Card Began As A Secured Card, And I Was Told That When It Became UN-Secured, I Would Receive A Limit Increase, because My Payments Were Automated ; And It NEVER Happened. My Card Has Now Been UN-Secured For OVER A Year Now, And In The Time Since, I 've Gotten XXXX OTHER Cards, XXXX With TWICE The Limit Of My WF Card, XXXX Of Which Has A Limit 7x The Limit Of My WF Card. The Other Of Which Has Received XXXX Limit Increases AND Is Currently OVER THREE TIMES The Limit Of My WF Card. ONLY XXXX Of The Cards Has A Utilization Of More Than 30 %, And My WF Card Has Carried A XXXX Balance For Approximately 3 Months & Counted. I Also Purchased A Car with NO MONEY Down, NO INTEREST, NO PAYMENT For 60 Days AT 5 % APR. My Take Home In 2016 Exceeded My Expenses by Over {$1100.00} Monthly, And I 've NEVER Missed A Single Payment, On ANY Of My Accounts. Wells Fargo DOES NOT CARE ABOUT THEIR CUSTOMERS AT ALL. They Have ZERO INTEREST IN HELPING THEIR CUSTOMERS DEVELOP A FINANCIAL FOUNDATION, Retaining Current Customers OR Gaining Future Business. I Had EVERY Intention On Opening A Business Account With WF, But That Is NO MORE. I ONLY Bank w/ Wells Fargo Out Of SHEER Convenience, because Both Of My Little Sisters Have Accounts, And It 's Easy To Transfer Funds. However, AS SOON AS I Restructure My Business, We Will ALL Be Moving Over To XXXX BANK. WF Has THE WORST Customer Service I 've EVER Experienced, And Some Of The MOST ill-advised People I 've Ever Had The Dis-Pleasure Of Speaking With Inside Their Branches. I CAN NOT Wait To Change Banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Unauthorized charges were made on my Citi VISA card. The charges were made in XXXX, XXXX. I live and work in XXXX, XXXX. I was not in XXXX on the dates of unauthorized use. The amounts were all suspiciously large even numbers : {$400.00}, XXXX etc. amounting to over {$2600.00}. These charges in no way resemble the pattern of spending history previously or after the disputed charges. I have tried repeatedly to dispute the charges with Citi. They just sent me a letter stating that " since my name was on the card '' I would be responsible for the charges. The stated policy of the bank is that I am not responsbile for any disputed 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 explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Solidus Group LLC.
State: TX

Complaint narrative:
I received a call on XX/XX/2015 from a collection agent named XXXX XXXX XXXX stating that I owed them money or they were going to take me to court and have me served and arrested. I stated I wanted a validation of this debt and he stated that I would get it when I was served and to pay my debt. I again asked what this was in regards to and denied.

Company response to consumer: Closed
Consumer complaint received 2016-07-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Erroneous billing for interest charges for card with no activity after receiving confirmation of final payment.

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 2016-11-23 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I have a AAdvantage credit card with CITIBANK. XX/XX/XXXX, I took a Balance Transfer offer, for which I paid a fee of XXXX % over the amount of the transfer and have until XXXX/XXXX/XXXX to repay the balance transfer without interest. 
I have since then been paying in full for all new purchases made in the month included in the statement plus an extra amount to repay the balance transfer ahead of the XXXX/XXXX/XXXX interest free deadline. However, CITI is charging an interest over the new purchases made in the month included in the statement because while I am paying in full the new purchases, I am not paying in full the new balance that includes the Balance Transfer ( although I supposedly had until XXXX/XXXX/XXXX to pay it back ). 
I was just on the phone with CITI and they claim that this was disclosed as part of the Terms of the Balance Transfer offer, and probably it was. However, that means that the Balance Transfer offer was deceiving to say the least.

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 2015-07-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My wife had a XXXX and paid the bills late for XX/XX/XXXX/XX/XX/XXXX. Onemain Financial was notified. They were also notified to only call my cell. XXXX called my work, all XXXX references listed and left personal information on my friends and families voicemail. It was both crazy and psychotic. The more you said do n't do that ... The more aggressive she became. My family friends and co-workers felt harassed and I am embarrassed over 2 weeks!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I a writing once again because I was a victim of Identity Theft. I 've been trying to resolve this macys account that I did not open up for years. It 's obvious that someone used my social security number and all of my information and opened up this account. I had filed an identity theft form. Why is it taking years to resolve this. I MYSELF did not open up a macys account. Why is it that macys is same that the account was legitimate. When someone uses all of your information to open up an account it is still fraudulent. I MYSELF NEVER EVER EVER EVER OPENED UP A MACYS ACCOUNT. I should not have my credit penalized for this either. Macys have given me the run around for years. NOW THAT THE IDENTITY THEFT IS FILED I AM HOPING THAT THEY CAN SEE THAT I NEVER OPENED UP A MACYS ACCOUNT AND I WANT IT REMOVED!!!!!!!!!!

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 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CitiBank Credit Card Company has reported some negative marks on my Credit Report regarding a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a business account with Citibank that serves as petty cash account, with less than XXXX transactions a month, and with a minimum balance. Citibank insists to charge {$17.00} a month as a maintenance fee unless I have a {$5000.00} minimum balance. 
i consider that fee abusive but Citibank does not offer any other business product to meet my needs, so they should waive the fees.

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 2016-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank initiated foreclosure process on the 40th day of delinquency. The loan was paid in full prior to the 60th day of delinquency. I keep getting denied for Mortgage loans because my credit report shows " foreclosure started. '' I have asked Citibank to remove the verbiage and they keep adding it back to my credit report. I had a XXXX loan which clearly states no FC proceedings to be started prior to the 90th day of delinquency.

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 2015-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Since the complaint I filed re : CitiFinancial, I have now received another letter dated XXXX of an intent to foreclose. There was never a formal letter from them stating they denied the loan modification submitted by the housing counselor. They now want {$15000.00} to stop the foreclosure.

Company response to consumer: Closed with explanation