vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
My loan was with Citifinancial it opened before XXXX XXXX but that was the balance then. I called continually to work something out with them. No one could find the loan and I would get transferred and cut off. It was an old charge off from my divorce at one time. I wanted to get it taken care of. the # then was XXXX address was XXXX XXXX XXXX XXXX XXXX sc XXXX. It was under my old last name XXXX XXXX XXXX. Now I am XXXX XXXX XXXX. after attempts I would get someone and they finally had me call XXXX and accepted {$4000.00} to dept, offer settlement and said they would forgive loan and mail me forms to file with my taxes. I talked to XXXX and her " boss '' on XXXX mail XXXX by end of month put the ck to citifinanceial acct XXXX and write that on envelope and check. address was the same as I wrote above. I still have copy of the check so I know it went through. I was to call and check in 10 days. No one could tell me anything and kept getting cut off. I checked my credit report and now I have a loan citifinancial opened XXXX XXXX and a XXXX XXXX citifinancial for XXXX. I do not know what to do. No one helps me and I even sent a long letter like this. HELP. XXXX XXXX XXXX. If I do not refinance my home in the next 2 years, I will lose it. Right now I ca n't because of this. my phone is XXXX address is XXXX XXXX XXXX XXXX mn XXXX email is XXXXXXXXXXXX. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have a XXXX and XXXX mortgage with Citi Bank. Citi did modify my XXXX mortgage but the department that handles the XXXX has been asking for the same document over and over again since XX/XX/XXXX 
I do and have sent what is required but they say the do n't understand how to read it. Once they received all of the appropriate paperwork I have received a paper stating that all papers were collected and application was compete and I would know decision by XX/XX/XXXX or XX/XX/XXXX, than that date passed, than XXXX for XX/XX/XXXX that passed, than XX/XX/XXXX and that passed. Here is XX/XX/XXXX and they still do n't have a decision yet. During this time I received a letter stating I had a new specialist assigned. Who is never available during regular business hours. I receive calls from Citi at night while I am working and have discussed this with my specialist that I work nights. If I am able to answer they hand up. I am again getting to the point where all my paperwork will be outdated so I will have to go through the whole process again from the beginning for the 3rd time. 
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 2016-11-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Hi, I opened a Citibank credit card early this year at the same time as my husband. We XXXX have Citibank XXXX XXXX credit cards and received and offer that if we open a checking account and did certain things ( e.g. pay bills with the checking account ) that we would receive XXXX XXXX XXXX miles. I completed these actions and then they said that the offer was n't found on my account. My husband completed the actions on his account and got the XXXX airline miles. They opened an investigation and after a long time said they would n't give me the miles. Meanwhile they were charging me $ XXXX/month because I did n't have {$50000.00} in the account. They refunded some but not all of the fees but refused to give me the miles so I closed the 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 non-monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I filed a complaint ( # XXXX ) with the CFPB on XXXX/XXXX/16 regarding Citibank not depositing XXXX XXXX XXXX miles into my account for a promotion I had met the terms of. They responded on XXXX/XXXX/16 and said I would receive the miles within 60 days. Those 60 days have now passed and I have still not received the miles.

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 2015-12-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I had a XXXX dollar bill on credit. I thought I paid it off and received a {$35.00} service charge. I paid the service charge but evidently it was a late payment so I was assessed another service charge. I thought I had the bill paid off. As of today I paid the {$110.00} dollars of service charges and late fees on my original {$2.00}. I tried to work with Home Depot Credit Services but they would not negotiate the fees. I canceled the card and have decided to never use Home Depot again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am refinancing my mortgage and the current servicer ( Citi Mortgage ) is charging me {$75.00} for the payoff statement. I think this is wrong and above the limit allowed. Can you please look into this malpractice? 
Thanks

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 2016-04-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have an account with citi and while having this account I have been charged late fees since I had the account after numerous of times contacting the XXXX # to have my due date changed and was told that it could n't be changed and asked if the late fees can be waived since my due date could n't be changed this card has ruined my credit and has n't helped me in any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Several months ago, I proactively contacted Citibank because I thought I 'd be unable to make my monthly payment due to unforseen medical bills. When I talked to a Citibank customer service representative to make payment arrangements, he told me that one of the " perks '' of my Citi " Simplicity '' card was that I was allowed to entirely skip a payment without any penalty whatsoever. He advised me that I should thus pay my medical expenses, and NOT pay Citibank that month. I asked if this would be reported to the credit bureaus, and I was assured again that that was allowable as a Simplicity cardholder unless several months would pass without payment. 

I know that Citi definitely has written and possibly even recorded accounts of this conversation that took place around XX/XX/XXXX or XX/XX/2015. Obviously, I was given wrong advice and was turned in to the credit bureaus. The payment WAS missed, this is NOT under dispute. The reason the payment was missed was because I was told to do this by one of Citibank 's representatives, and I relied on his advice. 

The fact of the matter is the rep should have stated that, should I miss a payment, I would not be charged a late fee. This is NOT the message that was conveyed -- he advised me to NOT PAY for that month, to actually skip a payment -- and that there would be no ramifications due to the benefits of the Simplicity card. 

My FICO score plummeted from about XXXX+ to XXXX, and even though I recently paid citibank {$20000.00} ( XXXX XXXX ) dollars, it remains low. This is the only payment I 'd ever missed with ANY account in my entire credit history, and it 's only there because I relied on and followed the advice of Citibank 's representative. Other Citi reps have apologized, and supervisors have even given me credit on the card for the trouble this has caused with the promise that this will be removed -- but it has not. They 've now seem to lost track of what has happened, and are only looking at the fact that a payment was missed, not why. I 'm appalled that it seemed impossible to get them to look into this, so I 'm hoping you can make them see what has transpired. I feel this is Citibank 's fault, not mine, and my credit score and history should be mended.

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 2016-11-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX card was separated from Costco in XX/XX/XXXX. Citi took over the account in XX/XX/XXXX. We had the amounts charged to Citi auto paid. At the end of five months, Citi has taken more money from our account than we owe. by {$680.00}. After more than two and a half hours on the phone with Citi, and XXXX emails, their only response is that we can go over the line items charged, line by line. The question is not what we have charged its that they are not applying the money that has been auto paid to citi. I have documentation of this. They will not accept the documentation. However, they have added erroneous charges to our account. I have taken the auto pay off the account. I have the paper statement now, and the amount Citi says we owe has grown inexplicably. Citi can not explain it either. I would like someone to review our payments, that Citi agrees we have paid, verses the charges that Citi says we still owe. To date, they now owe us {$680.00}. Please help!

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 2016-02-03 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Today I went to Sears and wanted to purchase XXXX bed pillows at {$3.00} each. My intentions were to use my bank debit card. The cashier, who by all appearances appeared new and struggling with Sears ' computerized register, asked me if I wanted the pillows for free. The cashier further stated that all I had to do was give Sears my information and e-mail address for promotions and related information that Sears was giving their on-line customer base. I gave my information based on those representations although she was struggling with inputting the information on the computer. As it is recalled, at no time did the cashier even mention anything about a credit card. Next a receipt looking document popped up ( attached ) that fraudulently stated that my application could not be processed at this time, The issuer of Sears MasterCard. Remarkably, there was no mention of who that issuer was. I telephoned that number and the prompt said that my application for a credit card was denied because of too little credit. I then got someone on the phone from Maryland who would not identify themselves with any company and told me I would have to take it up with XXXX. The prompt controverted what the receipt said, thus rendering this a deceptive, unfair and abusive practice. I did not want nor need another credit card. I have a XXXX XXXX Credit Card through XXXX ( {$2400.00} limit ) and another XXXX credit card from XXXX XXXX XXXX XXXX. I would n't take another credit card even if it was free since I do n't use the ones I have, and am a " pay as you go '' person. Moreover, I am almost XXXX years old, elderly and XXXX and have been duped. I am presently in a pre-approval posture to purchase a home and the derogatory mark from the decline could cause me to lose funding, and/or cause a lender to use that as an excuse to bump up the interest rate. I have a clean credit history and my credit score is in the XXXX. I am a XXXX Veteran of the XXXX XXXX XXXX and it is reprehensible that Sears would behave untowardly with a person of my age and health situation, not withstanding the fact of causing stress and anxiety. Sears refuses at my request to rescind the credit application garnered through deceit and/or inaptitude and puts it on Citibank ( Citicorp ) and/or XXXX. THIS IS AN UNSUCESSFUL ATTEMPT BY SEARS TO GET AN UNSOLICITED ( BY ME ) ISSUANCE OF A CREDIT CARD WHICH HAS SULLIED MY REPUTATION AND CREDIT REPORT. 
The application reference number is : XXXX ( see attachment )

Company public response: Company 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: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I was instructed by Customer Service to mail in the details of the charges that I am disputing as fraud. Please find enclosed a list of all charges that I am disputing. Hopefully, the ones where a phone bill was paid will provide you with a name and more information. I have never had service with these companies. All of these charges took place more than two hours from where I live in XXXX, XXXX Several of the merchants I do not recognize. 
I did not initially identify these transactions as fraud because I am XXXX and XXXX. I, therefore, require assistance. Unfortunately, I only did a cursory review of my statements and obviously not a detailed and thorough analysis because of the medical conditions that I was experiencing at the time. 
I was unaware of the extent of the fraudulent charges especially since I was using the card at the same time and my primary method of reviewing the statements was by phone and not all of the relevant information was available to me, such as the city where the charges were made. Furthermore, my bill was due and I wanted to avoid late charges and extra interest and to maintain the good standing of my account. 
I am certain these transactions are fraudulent. I had to provide an agency with the last twelve months of statements. As I was reviewing my statements I noticed a fraudulent charge on another card. This prompted me to examine all of my past records/statements for all my cards. With assistance and hours of close examination of all my statements I discovered charges for cell phone companies that I had never had an account with. 
I was instructed by a representative to mail my explanation and charges to XXXX. I originally mailed this letter to Fraud Claims Department, CitiCard, XXXX XXXX, XXXX, XXXX XXXX on XXXX XXXX, 2016. It was returned to me as " Not Deliverable as Addressed '' on XXXX XXXX, 2016. On XXXX XXXX I spent over 2 hours on the telephone trying to dispute the XXXX charges with XXXX XXXX XXXX and the XXXX toll free numbers listed with the XXXX charges. Neither number worked. XXXX XXXX XXXX wanted a phone number, account number or a transaction code. These do n't appear on the statement. So I called CitiCard. They could n't provide any of this information so it makes it impossible for me to file a police report and they did n't offer a correct mailing address for sending my fraud claim and they claimed there was no fax number that I could fax my claim to. I have already been waiting for 3 1/2 weeks for a 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 monetary relief
Consumer complaint received 2016-01-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX 2015 I received a phone call from the Macy 's fraud department concerning fraudulent charges on my Macy's/XXXX credit card . I told them I did not make the charges and I filled out a fraud complaint/affidavit attesting to this. Since then, they have sent me numerous bills and no follow-up on the fraud complaint. I have not paid any on it, because I was told that would be admitting liability. I have called the fraud department numerous times and they are not willing to help me. Recently, they closed my account and unbeknownst to me, my credit score pummeled. They are now in the midst having a collector contact me. I did not make these fraudulent charges and Macy 's has been aware of this ongoing problem, but were never willing to help me with it.

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 2016-08-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I signed up for a Citigold checking account in XXXX 2015 due to a promotion I saw advertised to earn XXXX bonus Thank You points. According to the terms of the promotion, I needed to open a new Citigold checking account and make two bill payments in two separate months. I called the Citigold service number to confirm that the promotion was valid and that I was eligible to sign up. I was verbally assured that I was. I made two bill payments in XX/XX/XXXX and two XX/XX/XXXX. I then called to confirm that the promotion was successfully attached to my account and that I had met the terms. The agent said that the promotion was successfully attached, but that I should also be sure to make bill payments in XX/XX/XXXX, since the XX/XX/XXXX payments happened at the end of the month and might count for XXXX. I did make payments in XX/XX/XXXX and then call to confirm that I had met the terms of the promotion. I was told that I had and that the points should be posting shortly. I called again in XX/XX/XXXX. At that time, I was told that I had met the requirements XX/XX/XXXX, but that it could take up to 90 days to receive the points. I called again toward the end of XX/XX/XXXX and was assured that the points would be posting shortly as we were at the end of the XXXX window. When the points did not post, I called in XXXX and spoke to the same agent I spoke to in XX/XX/XXXX. He assured me that the points should be posting and that he would open an investigation as to why they had not posted. I later received an email stating that this was a targeted promotion, and that I had not been targeted. I called, but the agent I was forwarded to said there was nothing I could do. Oddly, this agent then asked if I had any immediate family members who had been targeted. I did not know at the time, but I recently learned that my mother receives this offer almost every time she logs into her Citibank account. Nevertheless, I feel that I was not given the points I was promised as part of this promotion.

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 2015-09-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The reporting constitutes an outdated demerit past the legal time limit and collection of the initial matter exceeded the California Statute of Limitations of 4 years and should be removed. 

There was a dispute regarding application of payments towards account which led to a discrepancy in the crediting of payments made, a negotiation took place and favorable results were obtained, however the company did not follow our stipulation and erroneously made incorrect payment remarks on my account. Problems occurred with customer service not be effective in resolution of the problem. I contend that I was in complete compliance with the payment terms and conditions and that all payments were made in a timely fashion. 

After a lengthy continued negotiation on the matter illegal collection continued which exceed the statute of limitations- 4 years. The debt is illegal, contains outdated demerits and must be removed as it exceeds the legal time limit. All payments were made in a timely manner and in a sufficient amount as not to be a contractual violation at a time when the contract was valid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I receive at least 5 calls from this company every day. They leave a message to call them back and in a few hours, they call again. They call constantly - mornings, afternoons, evenings and weekends. This is the national collections departments. I also receive daily calls from the local collections department on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Citi Bank has an automated call system that will harass you unmercifully seven days a week, and as many as six times a day. When I first contacted them to work out some kind of payment arrangement, all I got was a lot of wannabee intimidaters. That did n't fly very well with me. I would like someone to look into this and tell them to stop.

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 2016-11-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
The situation is hard, because I allowed deposits for my account. The issue is XXXX decided to take cash out of my account instead of my card like I told them. This threw everything off. I am very upset with them and have reported them. I would like to pay you the money as defined and be refunded the check fee. I do not see how I should have to pay that as I have always paid and what I stated NEVER not had funds.

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