vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
*I read the below today on XXXX. Below is the copy and pasted article. This exact thing happened to me with the Credit Protector Benefits. They were grossly overstated, not honored, and changed around without my knowledge on several occasions with both my primary Citi Bank Credit Cards. This caused me to lose credit rating points and ultimately prematurely unable to pay back my obligations because of this. I complained in detail through other third party agencies in the past. How can I see assistance formally through your agency? I saved all the detailed XXXX and Citi bank records in case this very thing happened to others. I was supposed to have debt forgiveness and extension options as part of the credit protector, which Citi refused to honor. How can I file a claim as stated in the below article? 

Article taken today from XXXX ; describing my same concerns court outcome : '' Citibank ordered to pay customers {$700.00} XXXX : '' The federal government on Tuesday ordered Citibank to pay {$700.00} XXXX to customers it said had been overcharged by the bank. 
The Consumer Financial Protection Bureau also ordered the bank to pay {$35.00} XXXX in penalties associated to the overcharging and for the bank 's use of " deceptive marketing '' techniques. 
The bureau said that XXXX XXXX customers will be compensated in the pay out, which includes XXXX XXXX people overcharged directly by Citibank and another XXXX XXXX customers of the bank 's subsidiaries. 
Between at least XXXX and XXXX, Citibank -- which is owned by Citigroup ( C ) -- enrolled those customers in credit monitoring services or programs promising to defer payments or forgive debt in the event of job loss or another financial hardship. 
But the CFPB said when the bank signed people on to those programs, it misrepresented fees and overstated the benefits. It also used " leading questions '' and " construed ambiguous answers '' in telemarketing calls, according to the bureau. 
Citibank has already paid some customers back. " Affected customers will automatically receive a statement credit or check and those no longer with Citi who are eligible will be mailed a check, '' Citibank said in a statement Tuesday. 
The bank said in a statement that it " fully cooperated '' with the CFPB investigation and the first repayments went out in XXXX. The company added that it has set aside money for remaining paybacks. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-14 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 applied for a Citigold Checking account under the promotion code XXXX. I met all of the requirements on XXXX/XXXX/2016 and the XXXX XXXX should have posted within 90 days, which would be XXXX/XXXX/2016. I have been in contact with Citi via secure messaging since XXXX/XXXX/2016, but keep getting told that they are still reviewing my case.

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 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I opened an account with Citibank in XX/XX/XXXX for a {$500.00} promotional offer. On XX/XX/XXXX Citi closed out my checking since my funds were in the savings account without warning or notice. On XX/XX/XXXX I received a letter telling me that everything on my end had been fulfilled for the promotion and I should expect to see payment within two weeks. That payment never happened so I reached out an additional time and Citi re-initiated another research request. I was informed today on XX/XX/2017 that they would not be paying out the bonus even after they told me all of my commitment had been fulfilled. They are saying this is in result to them closing down my checking account.

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 2016-10-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This account has a last payment date of 2010, when it was settled for less than the full balance. This account should be seasoned/aged off my XXXX, and XXXX credit bureau 's since this account is over the 6 years and 6 months since last activity. This reporting is in violation of the XXXX system, since the XXXX credit bureau have seasoned this tradeline off my XXXX credit report. I would appreciate your help in having this trade line removed from my XXXX and XXXX credit bureau Thanks 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 2016-09-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My wife has a credit card account with Citibank. Citibank is reporting to the credit bureaus as if this account is a joint account and reporting it as my debt also. I have never agreed to pay this debt. I did not apply for this account. My wife has called and demanded they remove me multiple times. They remove me then shortly after that, they report the account to the credit bureaus as a joint account again. They continuously say they wo n't speak to me since it is n't my account, but report it against my credit report. They have told my wife multiple times that this is " their policy ''. I do not think their " policy '' is allowed to supersede the law. I want it removed from my name permanently.

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 2016-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have been trying to modify my mortgage with Citimortgage for 5 years. They have never turned me down for a modification. I have submitted complete paperwork per their request over 15 times. They tell me my paperwork is with underwriting. After a few weeks, they request more docs. After I submit those docs, they assign a new loss mitigation specialist to my case and the process begins again. They never inform me that the modification has been accepted or denied. They have now sent me a sale date on my property while I am still in underwriting for modification. To my understanding, this is dual tracking. They have also not exercised reasonable care to obtain docs and have never informed me whether or not my modification ever officially gets denied or approved. I am trying to get the sale stopped while I am still with underwriting but nobody will help me. The sale is shceduked for XXXX/XXXX/16.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am complaining by a recent attempt by Citibank to improperly and without cause charge me {$32.00} interest on credit card purchases last month. I check my balance online every day on their website and WE NEVER RUN A BALANCE. I pay several times a month online. I do n't like paying interest charges. Their annual fee is enough. I called them today and they said that I actually DID HAVE a balance but that it was n't showing up on my screen! I said, " Then it 's a software issue for Citi, not a payment issue for the consumer. Their new website is misleading. It is an attempt to hoodwink consumers! Call me anytime for details. OUTRAGEOUS behavior to up their numbers for the quarter.

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 2016-12-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
At the beginning of XXXX 2016 I received a phone call from a collection agency stating that my Sears had been sent to collections. I had not been able to access any information about the card for a year, I had elected to get electronic statements but had not been able to see them for 14 months as of XXXX. I was paying my bill through the electronic payment service provided by my bank. I do not know how long it took to process the payments because I could not access a statement.

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 2015-11-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
My Citibank card was closed due to " inactivity '', despite heavy banking activity with Citibank on the checking side, heavy use of another Citibank card, and no warning that cards can be closed due to " inactivity ''. Approximately four hours after receiving the notification, I called Citibank to get the card re-opened and was told that this would entail a hard credit pull, which would further damage my credit. In addition, this was my oldest tradeline, and there seems to be no indication that this would actually re-open the account -- it would just create a new Citi Dividend card, which I do n't want. I want the old account re-opened. XXXX in the Florida office was exceptionally rude to me, and not very understanding about the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
i didnot sign up for this service i got your letter ref # XXXX and looking for a refund I XXXX XXXX CARD ending inXXXX

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 2016-10-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The financial institution I am dealing with, Citibank, has missapplied funds which I sent in a timely manner to pay this loan and I can not seem to get any help removing late charges I was charged due to their mistake. I have sent payment which was supposed to be credited to this account and was mistakenly credited to an old, closed account which Citibank could not transfer to the right account. As soon as I was made aware of their mistake I requested a refund and sent another payment which was credited correctly, however, there were 2 times this happened and I was charged late fees I would like refunded as I was at no fault in this matter. I have sent letters and made numerous calls without any luck.

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 2017-02-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased a new washer and dryer from Home Depot and took out a new credit card issued by Citibank. The terms were any purchase of {$1900.00} or more would be 24 months of no interest if paid in full. I contacted customer service on XX/XX/2017 and was told that they have me on 6 months of no interest. I asked the representative to make the correction to 24 months and they said they could not help me. I need this corrected to match the terms I agreed too and its the sole reason I opened the 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 non-monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I opened a CitiGold account on XXXX/XXXX/XXXX under promotion XXXX, which offered XXXX AAdvantage miles after completing {$1000.00} in debit card purchases and 2 bill pays in consecutive months. I completed the terms of this promotional offer on XXXX/XXXX/XXXX. I secure messaged Citi to confirm I had met the terms of this offer, and received a response on XXXX/XXXX/XXXX from XXXX XXXX XXXX stating that I did indeed complete the requirements for the offer, and that I will receive my AAdvantage miles no later than XXXX/XXXX/XXXX. I did not receive my miles by XXXX/XXXX/XXXX, so I contacted Citi again via secure message. XXXX XXXX responded and apologized that the miles did not post yet, and offered to open an inquiry. Every month I have waited for the miles to post, messaged citi, and received another response stating that they will open yet another inquiry. The results of these inquiries were supposed to be emailed to me, but that has not been done. And frankly I do not care what the results are for the delay. I want the miles that I have been promised. I have been paying a $ XXXX monthly fee for this account, which is completely unfair as they have not fulfilled their end of the agreement. The marketing materials related to the promotion were entirely false and misleading, and it is absolutely unacceptable that I should have to wait 6 months from the date that I fulfilled the terms of the promotion to receive the miles that I am entitled to.

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 2016-10-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I recieved defective vouchers from XXXX. I called raise immediately. I filed a dispute with Citi soon thereafter. 

Citi refused to further help me. They denied my claim saying I had not contacted Raise in time and had to resolve the issue with Raise. This is incorrect.

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 2016-10-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: KY

Complaint narrative:
After I filed a complaint with the Consumer Financial Protection Bureau, ( please reference case number : XXXX XXXX ) Springstone/Lending Club finally agreed that just as with over XXXX of their other mislead customers, they were indeed wrong when they added Finance Charges and Late Fees to my account, and I am pleased that they finally agreed to credit these charges back to my account. 

However, as the attached documentation will show, Springstone/LendingClub 's inappropriate actions during this dispute have resulted in serious damage to my credit report and score!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am putting a second complaint on Citibank because they sent a response in the last complaint stating they updated the social on my account and re reported the account with my new social to wait 30-45 days for the credit bureau to update the information and I have waited close to 60 days and nothing has been updated this is a perfect example of what I have been going through with them for the last 5 months. I need this account to be re reported with the accurate social I spoke to the credit bureaus and they told me there has not been a reporting from them since 2010

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XXXX XXXX, I received several calls throughout the day from XXXX in which no voicemails were left, in the evening I was able to answer the call which was from Citi Cards stating my account was past due. I accessed my online account through XXXX bank and gave the representative from Citi Cards, XXXX, the check and transaction number paid to them on XXXX/XXXX/16 in the amount of {$100.00} and asked that she update the record to reflect that the account was up to date and to also avoid any negative credit bureau reporting and she assured me she would. Unfortunately, I have continued to get calls from Citi Cards, literally, every two hours for the past week and I have spoken to Citi 's other representatives XXXX, XXXX, and XXXX restating the above info and requested an investigation ( # XXXX ) only to continue receiving collection calls, as they persisted to state that no payment was received or processed. I offered to e-mail Citi Cards proof of payment from my bank in which they stated they were unable to accept e-mails only faxes, unfortunately I am unable to drive so that was not an option for me. However, I did inquire about my previous discussions with their reps to which XXXX confirmed the documentation was reflected in their records yet she was unable to answer why I was continuing to get phone calls from the collection department. I then spoke with my bank ( XXXX, XXXX XXXX to re-affirm the payment was processed in which XXXX confirmed the check was cashed but actually on XXXX/XXXX/16 and she offered to fax the proof of payment to Citi Cards ; to which I called Citi Cards again, having an average hold time of greater than 40 minutes, to request their fax number. I was informed by XXXX that she did not have any fax number to give me and the only thing she could do was to transfer me to, I believe the processing department, in which I waited 33 minutes only to be disconnected. I then called back and spoke to XXXX which willing gave me the fax number ( XXXX ) to the Payment Investigation Department and then had XXXX from XXXX fax them the proof of payment. I hope this last effort will resolve this matter as the tactics, poor communication, lack of cooperation, and the time it has taken me to try getting this issue resolved has been frustrating to say the least and I sincerely believe that I have been harassed in this situation in which I was forced to help the creditor resolve their erroneous processing of my payment and hope that such irritating circumstances can be avoided in the future not only for myself but other customers!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Madam/Sir, I had been a Citibank Banking customer since XXXX. I had been a Citicard Mastercard and Visa customer since XXXX. By the end of XXXX, the relationship ended. 

My complaint centers on the fact that Citicard Mastercard XXXX Account # ******************* ) and Visa ( Account # ******************* ) cancelled my cards in XXXX XXXX soon after I had made a paid in full payment of {$24000.00} to Citicard Mastercard and a full payment of {$12000.00} to Citicard Visa. XXXX cards had been in arrears off and on for about one and a half years due to my unemployment status. I made sporadic payments over this time period but in the end I paid all monies due Citicard which included late fees and 15 % interest. 

I was never notified that Citicard cancelled both the Mastercard and Visa. I discovered this in XXXX XXXX when I tried to use the XXXX Citicard " thank you '' points I had earned over time. A Citicard manager ( XXXX XXXX XXXX XXXX XXXX ) informed me that my credit card accounts had been closed by Citicard and since they were closed I forfeited all of my points ( approx. value {$3200.00} XXXX. 

I certainly understand Citicards ' right to cancel my credit cards but I take exception to not honoring the Citicard " Thank You '' points I had earned. 

I am enclosing a Citicard statement from XXXX XXXX that shows my points. I can not show a more recent statement as Citicard has locked me out of my online account. 

I request that you investigate this matter and hopefully restore my points. I will use the points ' immediately to end my relationship with Citicard. 

Thank you for your consideration. 

Best, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX, 2016, I paid my Sears account and was told by the automated attendant that the bill would post the following day. The following day came and went and I spoke to a Supervisor named XXXX who indicated that it was Citibank 's policy to hold the money for an additional 7 days and that I would not have access to the money until the XXXX of the month. I believe that this is fraudulent since I would never be able to catch up on the bill if they hold the money for 14 days. Furthermore, this allows finance charges and the like to accrue without payment. This is against the law. I believe this policy needs to be investigated.

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 2016-11-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citibank is charging a late fee on top of a late fee on a closed account I paid the first late fee and they refused to remove the secondlate fee even though they can, so I can move on

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