vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
My husband has a CitiAadvantage Master Card and Visa and we have a XXXX XXXX. 
Everytime we try to use the XXXX card, unless we are in the XXXX in XXXX, it is rejected. I have been embarrassed so many times, including just trying to use it in a convenience store to buy a grandchild a coke and candy bar. The total was {$4.00} and was rejected. Last month we were in the XXXX in XXXX Florida. We had just purchased a second home there and were buying TVs for the new home. We used the XXXX card and very loudly the check out person said " This card has been refused. What do I do? '' Needless to say we were humiliated. We paid with a debit card. In the meantime, Citi Bank called my husband 's place of employment and told his assistant that he was suspected of fraud in purchasing TVs. More humiliation. I called CitiCard customer service. After being hung up on once, and on hold forXXXX+ minutes I was told that our account was blocked because of either bad credit, late payments or overlimit spending. First, I have an XXXX XXXX score, we have never had a late payment and I know it 's not overlimit because we ca n't use it. I was told by a supervisor that they would look into it. I 've not heard back. Now he is unable to use his other XXXX Citi cards. He was in the XXXX store on Monday to buy my Birthday present. He was totally embarrassed when the Card was rejected. When he contacted Citi they said it was a suspected fraud and he 'd have to contact fraud department. He e-mailed them his complaint and received back a reply stating Thank you for contacting the fraud department. We are happy we could resolve your problem. They did n't resolve anything. He 's e-mailed twice more and gotten nothing but form replies. We have been humiliated time and time again by Citi Bank.

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 2016-06-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX, I received a mailer from CitiBank to open up a Citigold Checking account with a promotional offer of receiving XXXX XXXX XXXX XXXX miles upon completion of their requirements. I signed up for the account using the mailer. On XXXX/XXXX/XXXX, Citibank confirmed via secure message that the promotion was attached to my account. On XXXX/XXXX/XXXX, Citibank confirmed via secure message that I completed all of the requirements, and would be receiving my miles within 60 days. After multiple follow ups via chat and telephone, and investigations being opened by Citi, I have received no response, and no miles. I have also been charged {$30.00} per month for this account that they have seemingly baited/switched me to sign up for.

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 2016-12-05 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
When I opened a Citibank checking account, the bank was pretty adamant I open a savings account as well, which I did. My understanding was they were to be linked. I recently noticed that although I usually keep over {$10000.00} balance, in the checking account, I am being charged a {$25.00} service charge for the savings account which is usually only several hundred dollars..I believe it was a bank error in not linking the accounts. I spoke with them today, and requested retroactive credit, but they would only credit the current month 's charges. While it is true that I probably received statements showing this, and did not notice, or question this charge, I do n't believe the charges were ever warranted, or explained to me when I opened the account, especially since I really did n't need a savings account, and was under the impression my accounts were linked. 
In fact the front of my statement shows " relationship total '', which would support my understanding of " linkage '', and it is not until further into the statement pages does the service charge appear.

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 2016-04-04 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I had a XXXX membership and a XXXX XXXX XXXX card. When I learned one year ago that XXXX would discontinue this relationship, I called XXXX XXXX to tell them I did not want my card transferred to another company without my permission. I was assured it would be my choice. My XXXX membership ended within the past year. I cancelled my XXXX XXXX card over one month ago. XXXX XXXX let customers know that they would be getting Citi cards only a couple months ago. I then called Citi and was told there was nothing they could do at this time. Today, I received a note that I would be issued a Citi card even though I have expressed to XXXX, XXXX XXXX and Citi that I DO NOT WANT A CARD FROM CITI. I called the phone number and was told that I WOULD be getting a new card and had no say in the matter as " This was all put together a year ago and we do n't have any access to your information until the deal goes through on XXXX/XXXX/16. So we have no access. '' I said, " But it says my new card will arrive in XX/XX/XXXX, so you must have access, and I demand that you close that account. '' I was told that Citi could not help me. 

This is absolutely aggregious, because, not only did I not request the card, I requested of all parties that I not be issued a new card. All parties above insist there is nothing they can do. What will occur is that I will get a card and have to immediately close it, and likely it will negatively affect my credit, showing as a short term account and decreasing my length of credit account marks on my credit, especially since I had already closed my XXXX in the same year. Since I am not a XXXX member, the CITI card has no use to me. 

How this could be legal confounds me. I believe this should be highly ILLEGAL. I also believe it is fraudulent with the way customers have been dealt with over the past year. Customers and their private information should not be traded between banks without their say so. 

I have attached the letter received today. At the bottom, it says that to get a card you must have an open XXXX account. However, the woman on the phone, who did not give her name, told me I would receive one no matter what. She was extremely rude and seemed to enjoy denying my request. 

Please note that your form requests the credit card number. They have not issued the credit card or account number at this time.

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 2015-04-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I signed up with an online binary options broker ( XXXX ) located overseas and deposited {$250.00}. Then I learned that the CFTC and the SEC prohibit foreign options brokers from accepting, targeting and marketing to Americans because of the high rate of fraud. I have experienced great difficulty with this broker : altered trading clocks, frozen login, non responsive emails. Just like the CFTC describes in its website. I opened a dispute with Citi Bank credit cards but they denied even though I submitted ample evidence. They took the broker 's response at face value and ignored the fact that XXXX and XXXX are approving transactions involving illegal merchants, which I was unaware of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XXXX/XXXX/2016, I accidentally attempted to pay a credit card with my Citi Gold account, which had a {$0.00} balance at the time. On XXXX/XXXX/2016, I was notified that my payment had been returned and was assessed a {$34.00} fee. I then called Citi Bank to close my account with them and was assured that a ) this fee would be waived, and, b ) the monthly fee for XXXX would also be waived, in the event that it took until XXXX to finalize the closure of my account. Little did I know that on XXXX/XXXX/2016, the credit card company attempted a second payment from my Citi Bank account, which I did not authorize. This caused a second returned payment and fee, and prevented the closure of my account. On XXXX/XXXX/2016, I received a correspondence from Citi Bank informing me that my account had finally been closed and that I was " still responsible for paying the overdrawn amount referenced above '' ( {$33.00} ) and that my " account may have been referred to collections. '' It 's very distressing that rather than contacting me directly to discuss a matter that could seriously impact my credit score, Citi Bank chose to send an e-Communication ( not even a personal email ). In summary, Citi Bank promised me that my account would be closed in a timely manner yet they processed an *unauthorized* payment request and refused to waive the corresponding fee, delayed the closure of my account, and referred my account to collections.

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 2015-04-28 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I applied for a credit card from Citi Bank and received a denial partially based on a bankruptcy that was started XXXX years ago with my ex-spouse. It was a Chapter XXXX and has been satisfied close to XXXX years ago. I was not aware they could use that old of information as part of determining my current credit. I am attaching the copy of their letter I have written on and a copy of my credit report I got about a XXXX or so ago. My status has changed over the last XXXX years both financially and marriage. Is there not a statute of limitation for them to use that against me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
1 : impossible to communicate with this company. 
2 : web site frequently down 3 : when I submit messages, an error occurs and it is not sent and i am asked to log in again. 
4 : I can not get pdf files of my monthly statements without ReQUESTING them, waiting 48 hours for an email link. For a year I never saw the email link.They finally just mailed me -TWICE -a year 's worth of paper statements. I prefer instant analyzable transparent pdfs!!! 
5 : It 's XXXX XXXX. I tried to " contact them '' via their message board and the message, once again, had an error. 
Not receiving instant access to legible PDFs makes me not understand what I owe. The excel stuff is ok but not for analysis.

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 2015-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SIGNATURE MORTGAGE CORPORATION
State: OH

Complaint narrative:
We were referred to XXXX XXXX ( NMLS # XXXX ) with Signature Mortgage. We went through the motions to buy a home and received a pre-qualification letter to proceed on the purchase ( credit pulled and letter received XXXX 2015 ). We found a home in XXXX and put in an offer. The offer was accepted on XXXX XXXX, 2015. The purchase agreement was sent to XXXX and the loan was on its way. XXXX told us that while he was n't familiar with this type of loan ( rehab loan ), he could get it done. Weeks went by and we were working diligently to produce the architectural plans ( hired an architect ) and the bid for the project. These were sent to XXXX XXXX XXXX. Many updates were given by XXXX to the Seller 's agent and to myself that lead us to believe that this deal was moving forward. I spoke to XXXX on the phone XXXX XXXX and he told me that he was working hard on my deal. Still no appraisal had been ordered, no paperwork had been given regarding the loan and no commitment letter was issued and time was ticking away on my contract. We asked for an extension from the original close date of XXXX XXXX to XXXX XXXX. The seller 's agent called his office on XXXX XXXX and spoke to his manager. The manager XXXX XXXX told him that he had no evidence that a loan application was ever made for myself and my husband. This was a huge red flag. The seller 's agent called my agent who then called me. I called and left XXXX message for XXXX XXXX and forwarded him the first and last email from XXXX stating that this loan was moving along. XXXX returned my call the next day XXXX XXXX and told me that there was nothing he can do for me, they do n't even offer these types of loans and that they ( Signature Mortgage ) have not violated any laws. He also told me that they were not liable for anything and that I should 've known that the loan was not pending because I am a real estate agent. Then that very day there was a hard credit pull for both my husband and I from Signature Mortgage. They pulled our credit without permission even after XXXX told me that they were n't working on my deal. 

I have not spoken to Signature since the phone call on Friday morning at XXXX with XXXX XXXX. 
We have spent money on this deal - architecture and escrow money. We are working on salvaging this deal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CATHAY BANK
State: NY

Complaint narrative:
I have had a basic, no monthly fee bank account with XXXX Bank until around middle of 2015 when XXXX Bank was acquired by Cathay Bank and all the XXXX Bank accounts were transferred under Cathay Bank. My account was also transferred under Cathay Bank but instead of the same basic no monthly fee account I used to have it was the type with $ 15 monthly fee. When I opened my bank statement from Cathay Bank and saw the $ 15 monthly fee, I decided to go the bank branch and inquire about the fee. The manager said the bank has sent all customers about the account type change and refused to refund the {$15.00}. I believe from a matter of principle what Cathay Bank has done is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Charged XXXX late fee on multiple credit card accounts after setting up all payments online. They say payments were never setup I know they were setup as they are every month when they are received. They are paid in full and rarely is a balance kept on any of our cards. Here is the problem, you go in pay all your bills and then never get your email confirmation. You think they must be having a slow server or software problems. If they are they will not admit it and blame you for the late payment. You do receive an email saying your account is past due and your payment never posted. This is a scam and they know it. The electronic banking system is flawed and they know how to take advantage of online bill paying. So no email confirmation means they are collecting late fees from people who are actually making their payments on time and all they have to say is no email confirmation was sent. So they made their XXXX but lost us as Citibank customers ( XXXX of credit line ) for life. So beware of this practice. Which, if you charge a XXXX people with a XXXX illegal late fee you just made XXXX XXXX illegally and got away with it. Most people wo n't persue it but with a family of lawyers we may file a class action suit. XXXX is not the issue it is an issue to not take responsibility for your poor banking practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened a credit card at Home Depot to purchase a XXXX on their XXXX months same as cash plan. I started making payments without reviewing my statement and after approximately XXXX months I noticed I was getting charged interest. I called Citibank who is the issuer of the credit card and the representative their informed me I had to go to the store where the purchase was made to get the interest reversed and setup on XXXX months SAC. It took me another couple months or so to make it to the Home Depot store where I ended up speaking with the store manager who informed me they ca n't correct it without speaking to Citibank and no one was available that day. I provide my information and they were to call me in a couple days with an update. I received a call that they were correcting the issue by refunding the original purchase and sending the purchase back thru on the XXXX months same as cash. This was nice since they restarted the XXXX months. However they refused to refund the interested that had already accrued and the discount I was provided for purchasing at Home Depot rather than going to XXXX. I want my discount and the accrued interest credited back to the account. Your help is greatly appreciated. Thanks, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
denied credit card because of bankruptcy that occurred over 20 years ago.

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 2016-10-20 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank Visa, in its partnership with Costco, opened a Citibank Visa account in my name, using information from a previous, closed Costco XXXX account. I did not request or authorize the new account, nor do I recall ever receiving a card. I certainly never activated or used it. This week, I received a first statement showing an overdue balance comprising the original membership fee, plus a late fee and interest accrued at an annual rate of about 24 %. I contacted Citibank Visa and, ever several escalations and arguments, obtained their agreement to close the account and erase the interest and penalties. I have also demanded that Costco refund the original {$100.00} membership fee to the closed visa account, to ensure a zero balance. 
My concerns are twofold : First, I am worried about possible adverse impact on my credit. Second, and more broadly, I suspect that Citi and Costco may be engaging in practices similar to those adopted by XXXX XXXX : opening unauthorized, unwanted accounts to generate spurious revenue from unsuspecting consumers. I hope you can determine whether this incident is an aberration, or part of an abusive pattern. Thank you for your attention to this matter.

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 2015-08-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In XXXX 2015 I received a bill from Macys for a balance of {$50.00}. along with a {$2.00}. low balance fee. The closing date for billing was XXXX XXXX - then they processed the bill and mailed it to me. I got the bill on XXXX XXXX and wrote a check and mailed it to them on XXXX XXXX. They said it posted on XXXX XXXX - well in advance of the XXXX XXXX closing date. I received another bill for {$2.00}. in XXXX for a low balance fee. I called and they said that even though I paid in full, ( balance + fee } in advance of the closing date - they are legally empowered to charge the additional {$2.00}. fee. I asked if they planned to charge an additional {$2.00}. fee on the {$2.00}. they had sent the XXXX billing for and they said yes, because the {$2.00}. fee represented a " balance '' and a low balance and because it was sent upon the closing date - and there are days in-between when it closes and they mail it and they receive payment - they can legally do this. I countered that that was kind of nuts - that the {$2.00}. fee could result in perpetuity, a never ending {$2.00} fee ... They said that I should have paid the entire balance in full and this would n't be happening or an ongoing issue. Needless to say, I closed the account - after insisting they waive the fee. I just wanted to file this complaint in order to let you know that they are doing this - and am questioning the legality of it. If truly seems to be taking advantage of customers and the spirit of their recouping fees for low balances, by creating a situation that in essence, continues to create new low balances - by adding this fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Lending Club Corp
State: MT

Complaint narrative:
Deceptive advertising, sent pre approval notice, spent XXXX weeks faxing documents, only to be denied without counter offer for loan that fits my income. Bogus company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I paid off a loan over three years ago with Citibank, they are reporting me late every month for the last 3 years since been paid off and filing a satisfaction. I have called there and submitted documentation numerous times all of which gets " lost '' : I was provided a confirmation number of XXXX and was told that they would get back to me. This has been going on for over a month and I have been hung up on and given numerous wrong telephone numbers to departments that all claim they are not handling the issue. All i ever asked for is a letter to simply state that I was not late on my mortgage. I am paying a late fee everyday on a purchase contract that I am unable to close on while i wait for them to complete their investigation for an account this states its paid in full when you call them, I have sent them the satisfaction they filed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief