vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Charged online purchase from Macy 's with Macy 's credit card. Received next bill with purchase on it. Returned the purchase before the due date and then made new purchases. On the next bill it showed previous balance {$350.00}, credits of - {$350.00}, new purchases of {$200.00} and a late fee of {$27.00}. When I called, I was first told I was charged a late fee because I did not make a payment. When I questioned the logic, I was given the same answer. When I asked how I owed anything when I returned the first purchase, the representative took the late fee off the bill. This is not the first time that this has happened to me with Macy 's. It happened a couple of years ago to me and I brushed it off. However, how many people are not reviewing their bill and paying a late fee when it is not owed.

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: Other — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I purchase a laptop computer from best buy on XXXX the XXXX, 2015 I put {$1000.00} on my best buy credit card and I had a {$52.00} gift card from best buy and I put the rest on my Visa with another company and that amount was {$92.00}. I returned the laptop on XXXX XXXX, 2015 to best buy on XXXX is where I purchased it and returned it as well, and the person at the customer service desk informed me that he would need to contact a manager because it was over 15 days and I needed to return it before the 15 days was over with. I told him no one told me that and I never used the computer It just being sitting in the box and there is nothing wrong with it. so he called the person that was on duty for a manager and he told the that person that was on duty that nothing was wrong with it and it was never used and this person was very nasty and rude about the whole situation and told me he do n't have to do anything for me and ask me do I want to speak with someone on a higher level and I told him yes then he said that he was it and If I want to speak with someone on a higher level then he would not handle my situation and he said we do n't have to tell you that we have 15 day return policy and I told him yes the store do suppose to let me that. He said that the sign are all over the store and I never saw the sign because I do n't shop there like that to even look nor know that information. He began to tell me all he can give me is a store credit and informed him that this is on my credit cards and he said you either take or leave it because that is all I can do for you and if you do n't like that you want get anything at all. I told him, why in the world would I want to have a credit for this store and still have to pay for a bill as well ( XXXX bills to be exact ). Most stores would take this off your credit cards but he would not and this is what I want them to remove this off my credit cards. The amount {$1100.00} off my credit cards and teach this person how to be a manager with customer service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Behind on my Sear 's account through Citi Credit Card, that is when the constant calls started, four to six times a day, every day over and over. It is not productive nor is there any good that comes out of constant calling .Calls continue even when you make payments or have made arrangements. 
Last night they called at XXXX, twice at XXXX, XXXX and XXXX, not including the daytime calls. 
I was told if you did not pick up their calls and speak to someone they will continue to call but if I pick up their call then they would not call for three days. I asked why three days, their response was that my financial status could change. I explained to them that there is no way my financial situation will change in three days or anytime soon, I get paid every two weeks not every three days so calling me that often is not productive and it was very irritating and frustrating. 
Phone calls are every day up to six calls a day if not more.

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 2016-02-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CBNA made a hard inquiry on my credit without asking me. I already have a citi bank card and have had it for a year, why are they pulling a hard inquiry and lowering my credit score by XXXX points???

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 2017-03-12 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi bank saving account prior to XX/XX/2016 ( during the promotion period and applied with promo code ) and transferred the required fund on XX/XX/2016 ( within 30 days of after account opening ). I was supposed to receive {$400.00} bonus for opening a saving account provided that I maintain a $ XXXX balance for 90 days with initial $ XXXX new money. However, after 90 days ( since the transfer ), I still have n't received the bonus. I did some research online and found many people who signed up for Citi bank promotion did not receive the bonus either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I received a call from Macy 's credit card fraud department on XXXX/XXXX/XXXX inquiring if some charges to my Macy 's card account were authorized by me. I told them no and that I had not used the card since XXXX, XXXX. They sent me a fraud dispute form ( attached ) which I filled out and disputed XXXX charges totaling {$610.00} mailed it to them on XXXX/XXXX/XXXX. They canceled the old card number and issued a new card which I have not used. I later received a billing statement where they transferred some of the disputed charges to the new card number and added late fees and interest charges. I phoned Macy 's twice to complain and the representative indicated she could see where I submitted the dispute form, but indicated the fraud Department had 60 days to review the disputes and I should ignore the billing statement. She said she was unable to issue anything in writing confirming the dispute was filed. Now I have received another monthly billing statement dated XXXX/XXXX/XXXX where they have added more penalties and interest.

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 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
An application for the XXXX was submitted before the deadline before XXXX XXXX, 2016. Never received a response. Called them today spoke with XXXX and was told documents were missing although does not know what they are.

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 2015-07-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX of 2015, I receive a telephone call from Citibank to remind me that my student loan is a few days past due so I went online and made a payment. I recall the representative indicated that I should setup the automatic payment so I went to the website and downloaded the auto debit form and sent it in and thinking I 'm set and would not have to bother to login and pay it every month. In XXXX 2015, I received a letter from Citibank indicating that I 'm now XXXX days past due on my student loan and Citibank have reported the late to the XXXX credit bureaus. I scrambled to go online and immediately paid the balance due and request for a copy of my credit report. It in fact shows that my credit scores dropped almost XXXX points which I had from excellent down to good credit. I called Citibank to inquire why there was no emails, letter, or even a telephone call to indicate that I 'm past due on my student loan. XXXX rep told me oh " oh record indicate that we did not notify you '' and then transfer me to another rep when I asked to file a complaint. The XXXX rep said " yes, you were notify of the late '' and I asked him how was I notified. At first he could n't say and then said " we mailed you a letter. '' I have never received an email, a phone call, nor a letter in the mail which I 've often do as soon as my payment is even one day past the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The representative that left a message with my son said they were calling with the XXXX County Court. The rep I spoke with alluded to the fact that since it was n't him it was n't a problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITIBANK said I had a " bankruptcy and your account was included in the filing ''. There is nothing on my credit like this that has been reported in the last 20 years or more. If this is true, then it is in direct conflict of the credit reporting laws, that a major institution can hold credit items against you that may or may not have occurred 20 years ago. I did file bankruptcy once, about XX/XX/XXXX-XX/XX/XXXX, but I bought a home, receiving a mortgage in XX/XX/XXXX. Since then there is nothing other than some old medical bills from XX/XX/XXXX when I became 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 2016-02-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I closed this account on XXXX XXXX, XXXX as part an agreement with Citi for me to opt of fufther interest rate increases, and for Citi to waive interest for one year. The interest rate at that time was 8.24 % and was to stay fixed until the account was paid off. Beginning with my statement ending XXXX XXXX, XXXX, the interest rate was increased to 8.49 %

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX It has been since XXXX XXXX, 2015 that I first applied for the refinance. As of today, no decision or counter offer has been conveyed to me. It 's not a new loan and I am not a new customer to Citibank ; my home loan is currently with Citibank and has been for the past several years. 
Each week, you have requested something, and I have provided the item requested ; I would then get a phone call requesting the same item. My response was, " it is in the email that I have sent you. " I have sent an email last week, requesting a response, to no avail. 
I find this process and lack of responsiveness unbelievable. At this point, I believe this lack of responsiveness should be elevated to a Manager, as well as the OCC because I am complaining very loudly regarding the treatment or lack thereof by Citibank. 
Unfortunately, your email to me is very misleading, the service in neither smooth nor easy. And the customer service is very poor, which is in direct contradiction to the statement in the Citibank email. 

XXXX So, since I have sent the above email, the Manager is working on my file, asking for the same things previously provided and a new loan number was issued, but no new disclosures. This is a consumer transaction. I sense compliance violations. 


XXXX Last week, I have received a call from the new loan processor regarding obtaining proper insurance needed on my refinance loan with Citibank. My comment to her was, my loan is currently with Citibank, and they have forced placed the proper insurance needed and is charging me each month. 

XXXX Now today, I get a call and she tells me that the insurance ( that Citibank has forced placed and charged me for ) is unacceptable. My problem is Citibank has forced placed insurance on my loan, and now Citibank is telling me that the forced place insurance is not acceptable. If the insurance is unacceptable, why is Citibank charging for something that is not needed. 

It has been more than 3 months for Citibank to make any kind of decision and to process a refinance request where the existing loan is with Citibank, and now the forced placed insurance by Citibank is unacceptable by Citibank that I am paying for. 
Dealing with Citibank is a NIGHTMARE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I charged {$180.00} worth of merchandise at Bloomingdales ', and returned that same merchandise for credit -- before the closing date for the billing period. Now, Bloomingdales ' continues to call ( seven times now -- early morning and at night ), saying my account is " past due ; '' I feel that they are harassing me. They are quite aggressive, and have billed me a {$27.00} late fee.. My account balance is XXXX, yet when I ask for an explanation, they say I should have made a payment no matter whether I returned the merchandise or not, that the " credit '' for the returned products will be deducted in the next billing cycle ( BUT the return shows up on the current bill ). This makes absolutely no sense.

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 2016-06-18 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 had signed up for citi gold checking account promotion in XX/XX/XXXX and fulfilled all the promotion terms to qualify for XXXX american airlines points to be awarded within 90 days of fulfilling those terms. The last transaction to fulfill those terms was completed XX/XX/XXXX and had been informed thus the points should be awarded into my XXXX XXXX AAdvantage account by XX/XX/XXXX. That did not happen and I have ever since opened numerous investigations and escalations with the Citi customer service and requested it be reviewed by the executive response team to no avail. There are numerous reports of other customers having the same problem as I have which indicates this is malicious intent to bait and switch the consumer. I 'd like a resolution this immediately by Citi fulfilling their end of the terms and deposit the XXXX american airlines points to my account immediately.

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 2016-09-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I used my Citi XXXX HHonors Reserve credit card to pay a bill. I disputed the charge and submitted the appropriate documentation. Several weeks later, I received a letter rejecting my dispute. When I contacted Citi, I was told I do not have any dispute rights for quality of services issues. 
She said " without a valid credit slip, we are unable to intervene on your behalf with the merchant or their Bank. '' In trying to better understand my rights, I was given the run-around by a clerk and his supervisor. It was not explain to me how to get a valid credit slip.

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 2016-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX, 2016 CitiMortgage Consumer Financial Protection Bureau I have been working with CitiMortgage for the past seven months trying to remove PMI insurance ( {$120.00} per month ) from our home mortgage loan. I have followed all required instructions, including paying for the appraisal, using a company of their choice. The appraisal has multiple errors, and did not use fair comparables. I submitted in my Appraisal Appeal XXXX sold comparables and XXXX For Sale comparables that more fairly matched the exterior and interior features of our custom built home ; any of which would meet the LTV criteria in order to drop the PMI insurance. 
I have followed up with CitiMortgage over a dozen times to no avail. During my last conversation this week, I was told they do n't have record of my appeal! Exhausted and frustrated with their run-around, I am reaching out to a federal agency for assistance. 
Below are details of conversations : XX/XX/XXXX Requested specific details of how to request PMI to be cancelled from loan XX/XX/XXXX Submitted my request to cancel PMI XX/XX/XXXX Paid appraisal company thru XXXX {$380.00} XX/XX/XXXX Received appraisal details XX/XX/XXXX Contacted appraisal company directly. Per their representative, my dispute would need to be filed directly with CitiMortgage XX/XX/XXXX Received denial letter from CitiMortgage XX/XX/XXXX Contacted CitiMortgage requesting disputing rights appeal foam XX/XX/XXXX Called CitiMortgage ; never received dispute form. Requested email XX/XX/XXXX Per instructions, faxed completed Appraisal Appeal form ( XXXX pages ) XX/XX/XXXX Called CitiMortgage to confirm receipt of fax XX/XX/XXXX Called CitiMortgage for update on appeal request. Should receive letter in mail. 
XX/XX/XXXX Called CitiMortgage for update on appeal request. Told they will call me back XX/XX/XXXX XX/XX/XXXX Called CitiMortgage for update on appeal request. Told they will call back in 24-48 hour XX/XX/XXXX Open work order # XXXX XX/XX/XXXX Received standard letter about not qualifying for cancellation of PMI. Did not address Appraisal Appeal XX/XX/XXXX Call CitiMortgage to advise I will be filing a dispute with CFPB. Agent advised he could not find where I previously faxed my appeal. I confirmed the fax number that was used and stated on instruction letter. Agent asked that I re-fax to a new fax number.

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 2016-11-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Last spring I made several purchases at the Home Depot store in XXXX XXXX, XXXX, to make repairs to my winter home. I paid cash for several of these purchases, and used my XXXX credit card for others. Because a XXXX % -off discount was being offered as an incentive to open a Home Depot credit account, I applied and used the card to purchase replacement windows for my home. Soon thereafter, I returned to my home in XXXX. A change of address notification was filed with the U. S. Postal Service. 

XX/XX/XXXX, I applied for a mortgage loan and was appalled to discover that the Home Depot Consumer Credit Card had been reported to all XXXX credit bureaus as being delinquent. I immediately called Home Depot, and was able to reach a XXXX XXXX XXXX. XXXX XXXX identified herself as a customer service supervisor. 

I explained to XXXX XXXX that I had never received an invoice from Home Depot. Furthermore, I explained that I had made several purchases, and had paid them in full. Had I received an invoice for the Home Depot credit card, I would have been reminded of the debt and would have paid it. 

XXXX XXXX stated that it is Home Depot 's policy to send XXXX statements. After that, the account is considered delinquent, reported to the credit bureaus, and is subject to monthly interest and late fees. According to XXXX XXXX, no further attempts to contact the customer are made. However, because this was clearly an error in the forwarding of mail, XXXX XXXX waived all late fees and interest charges. She also stated that she would be notifying the credit reporting bureaus that this " delinquency '' was the result of the failure of the postal system. 

On XXXX XXXX, 2016, a letter was sent to me from Home Depot Credit Services stating that they are unable to change the information reported to the credit reporting agencies because it accurately reflects my account history. 

I am filing this complaint for XXXX reasons. First, because I believe Home Depot Credit Services ' policy of ceasing to attempt to contact customers while continuing to impose interest charges and late fees is unethical. Second, because Home Depot Credit Services - even at the supervisor level - failed to provide accurate information to both their customer ( me ) and the credit reporting agencies.

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 2016-09-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX fraudulent Sears credit card accounts were opened using my name and address on XXXX XXXX, 2016. This complaint is for the second of XXXX accounts. Since I had never opened these accounts, I thought these were prepaid promotional offers so did not open the mail until yesterday. I received three pieces of mail into total - one piece of mail containing a new credit card for the XXXX of the accounts, and two for the XXXX account - an earlier piece of mail contains a bill, and a more recent bill contains the bill with a late fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief