vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Dear Consumer Finance, Please note that I have also submitted this complaint to the Federal Reserve complaint line. XX/XX/XXXX, I walked into a Citibank branch in XXXX to close all my accounts ( savings, checking, and Checking Plus ). I settled all my charges and at no time did the teller inform me that with Checking Plus, no automated transactions should go through within the 48 hours. XX/XX/XXXX, I received correspondence from Citibank stating that I had charges through automated debits from XXXX. I was quite surprised since I was not informed of the rules, however, I paid for the amount owed ( $ XXXX+ ) and ask them again to close my account. Citibank 's customer service told me that it would take 48 hours once again and that no charges should go through. I agreed. By XX/XX/XXXX, I received another correspondence saying that I owe $ XXXX+ through XXXX and once again I settled, but, I ask them Citibank from the time I settled XX/XX/XXXX and to XX/XX/XXXX ( more than 48 hours ) there were no charges that went through so my account should have been closed. They promised me at that time, that all is settled and the account would be closed. Now this XXXX Citibank contacted me again to say that I have charges. Needless to say, I am quite upset! I am certain that the money I paid went towards bank charges for which I am NOT responsible for since the account should have been closed properly XX/XX/XXXX, again XX/XX/XXXX, then XX/XX/XXXX. I feel that I have been defrauded or the inability to close an account properly lies with the incompetence of Citibank. The collection manager I spoke to XX/XX/XXXX and again XX/XX/XXXX, accused me of 1 ) not really wanting to close the account ; 2 ) that he has no record of it. I was in tears over this and am still upset. Everytime, Citibank contacted me, I duly called them and settled my charges and ask them if the account is closed. They also went against their own rule by not closing the account during the period of XX/XX/XXXX - XX/XX/XXXX ( more than 48 hours and no charges went through ). This should have been a simple matter of closing one 's account. The misinformation, misdirection, and mishandling of closing a Checking Plus account is outrageous. Once again, I will not pay for any bank charges because of their mistake and I also feel that I have paid for all the charges that was automatically debited from Checking Plus. I have been forthright in paying all the past charges, and it has been more than 1 year since I 've tried to close the account. I have spent more than 18 hours talking with Citibank and I have had enough! Please help!!!!! Sincerely yours, XXXX 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 monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citibank , N.A . services my Best Buy credit card ending in XXXX. I noticed a fee titled " XXXX XXXX '' in the amount of {$23.00}. I used the instant message with Citibank to see what this was. I ended up calling the number provided. This is a credit card add on debt protection program apparently. The program pays your minimum payment for 3 months if you lose your job, move, divorce, etc. I asked how much I had inadvertently paid to this ridiculous program. I was advised since 2011 I have paid {$530.00}. I have no recollection of signing up for this program. Furthermore, the fee does not appear on the online portal. You have to physically open up your statement to see this fee. This is totally unacceptable. I want all that money back and applied to my card. I 'm now facing promotional deferred interest that is about to be applied to my card. This {$530.00} would cover that. Plus, who knows how much money I 've paid in additional interest. Citibank just got fined by the CFPB for this issue and was supposed to reach out to me to reimburse me. I 'm having to go through the CFPB to have them reimburse me which seems like a violation of the consent order.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX MACYS XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Re : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX and XX/XX/XXXX Dear Macys, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX 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 2017-01-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Citicards has FAILED to return a {$100.00} disputed charge which they owe me and their customer service, especially a " XXXX '' that works in the dispute department is utterly incompetent and laughs at the customer BEING right. This credit card company, as well as all the others across the USA, are clumsy fools at best.

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 2016-07-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
BBY/CBNA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BBY/CBNA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BBY/CBNA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, 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 2016-09-05 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 am writing this letter regarding the sign up bonus for my Citi Gold checking account. I opened my account XX/XX/XXXX after I had received a sign up offer with promotion code : " XXXX ''. I have called the customer service and was CONFIRMED that I was qualified for the offer. According to the offer, I will be able to get XXXX AAdvantage miles if I complete the following XXXX requirements : ( 1 ) Make {$1000.00} in debit card purchases ( 2 ) Make 1 or more bill payments for two consecutive months I finished ( 1 ) on XXXX XXXX and ( 2 ) was done on XXXX. XXXX. ( The first bill payment was cleared on XXXX XXXX and the second was on XXXX XXXX. ) I have contacted the customer service several times inquiring about when the XXXX will be posted both via phone calls and on-line chat. They all told me that I am qualified for the promotion and my AAdvantage miles will be posted shortly. It has been more than 120 days after the end of the month when I met the requirements, however I received nothing after waiting very patiently, trusting citi 's promise. And what 's made me even more upset is that last time the representative over the phone said they have to do an investigation regarding my situation and the result was that I was not qualified for that promotion. I feel so disappointed why citi kept saying different things. 
In order to wait for the miles to be posted, for the investigation and for dealing with the issue, I have paid XXXX monthly fees and it seems that I am going to pay the 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 monetary relief
Consumer complaint received 2015-09-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
MACYS has twice charged me outrageous " late fees '' - for example, on a balance of {$85.00} Macys charged a fee of {$40.00}. In addition this fee is not properly charged ; during my phone calls to Macys I cancelled my account, but Macys did not cancel it. Macys inattention to the content of those calls is as outrageous as the outrageous fees themselves.

Company public response: Company 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: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
This complaint is targeted to a program advocated by CitiBank. 
Per my friend 's recommendation, I applied for a Citigold checking account owned by CitiBank following the link on the internet in XX/XX/XXXX. The promotion advertisement listed the following conditions : 1 ) Open an account with CitiBank. Deposit money. 
2 ) Make payment for ( 2 ) consecutive months 3 ) Make a purchase worth {$1000.00} As a result, we will be awarded XXXX XXXX points. Meanwhile, Citi will charge my account {$30.00} per month for three months if the deposit is less than certain amount ( Maybe {$50000.00} ). 
The application was accomplished in no time with a promo code. Money was deposited. Payments and purchase were made. XX/XX/XXXX, my husband called Citi to inquire about the status of XXXX points and was informed that we had met all the requirements and the claim had been setup while the process would take up to three months to complete. XX/XX/XXXX is the date we should call back for the final result. 
On XX/XX/XXXX, my husband called to follow up. After spending more than half an hour waiting and explaining, he ended up with a lady who said she needed to confirm some information with someone and would call him back in one hour. We waited and waited and waited ... 
After more than two hundred and forty hours of waiting, we knew nobody would call us back and realized it was a scam from first place. On XX/XX/2016, I logged on to my online account, ready to request to close my account, only to find out that Citi started to charge {$30.00} since XX/XX/2016. Shocked, I had an on-line chat with a Citi representative, who helped to start an investigation which was supposed to complete in several business days. Hearing no further result after five days, I chatted again with another Citi representative to accelerate the process. This time, a document was received to promise a result in 24 to 48 hours. 
After two days with nothing coming, I chatted for the last time with a Citi representative. Not to my surprise, I was given an excuse that the promo was offered to targeted customers while I was n't. If that is true, why did citi post an advertisement on internet and gave me a promo code? Nothing had been fulfilled except charging me {$90.00}? 
The conversation ended unpleasantly. I ordered them to close my account instantly, meanwhile, warned to file a complaint to CFPB. 
My request to solve the issue is either citi should award me {$50000.00} AA points or refund me {$90.00} and apologize for wasting my 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 non-monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have been trying to sell my home on a short sale for 2 years.. I have had so many home specialists I cant count them. I have had 3 very good contracts on my home and Citi stalled so much all the buyers left.. I now have another contract on my home and Citi is requesting all kinds of information they already have.

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 2016-02-04 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I 've sent several payments in to Macy 's well in advance of my payment due date, but they keep cashing my checks late and charging me XXXX late fees. This has happened 3 times so far. I 'm really disappointed in this company and hope someone can have a look and see if this is happening routinely to others.

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 2015-08-18 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 submitted a complaint # XXXX XXXX. Apparently this was closed. I received several e-mails to call you but I can never get through. I also have continued to try to get thru to Citibank without sucess. I received my first bill under the new arangement and it makes no sense. It has no detail, just a total due. If I was to pay the principal divided by XXXX it would be {$3000.00}. but they are billing me for {$4000.00} with no explanation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi does not provide a means to cancel a credit card on their website, nor do they provide any information on how to do so anywhere in their FAQ 's, etc. It is very easy to open a card and there is plenty of information on how to do so. I do n't see why this is allowed - if it is this easy to open an account then why is it not easy to close one? Why is there no information provided? This is a card I do n't use with a XXXX balance and simply do not want to be charged a fee for it. I ca n't think of other products where this is acceptable.

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 2015-09-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have not had an increase on this account in over XXXX years. This account has been in good standing and I have not had high balancs and several inquires over the XXXX years. My account is flag to be blocked to request increases. Since my account with Citi cards, I have received new credit and All of my accounts are in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Lending Club Corp
State: MA

Complaint narrative:
I have a loan with XXXX, which when first acquired the loan was told it would be easier to get additional loans and refinance for better rates. I have gotten lots of mail from them stating I was pre-approved for a new loan or to refinance. Today I decided to refinance my loan which is at XXXX % since I have not missed any payments, my credit has gotten better altogether and I have more income. The loan, which I was pre-approved for, was denied for insufficient number of satisfactory payments on my existing loan. The original loan taken out in XX/XX/2015 has almost 2 years of payment history and just over 1 year left with most of the balance paid. I have never missed a payment to date or been out of the grace period. Lending club could not answer several questions for me. If the # of payments is insufficient then why am I getting pre-approvals for a refinance? What is the required number of payments since I am XXXX 's done with them? I was told that they do n't have a specific number of payments but that every loan is different. 

This may also be a high interest lender just advertising low rates. They take investors money at XXXX % ( per website ) and make loans at XXXX % APR ( per website ). I do n't know of any borrower from them that is receiving rates below 10 %. They must make a profit as well but if they get their profit by not offering better credit borrowers the advertised low rates then its false advertising. 

I feel that this is being done to keep me locked in my loan at XXXX % interest rate, XXXX APR. With me in a better position then when I got the loan. I believe its either false advertising and discrimination to keep credit challenged individuals locked in to high rates even if their credit improves.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank charged me a {$25.00} maintenance fee when they switched to XXXX XXXX XXXX when it was previously free due to having my mortgage with them. When I called Citi Bank to dispute the charge they told me that there was NOTHING that they could do to help me because that was a XXXX XXXX XXXX charge. But, Citi was still the name posted on the bank. Citi told me I would have to now speak to XXXX XXXX XXXX to get them to credit the fee. I then contacted XXXX XXXX XXXX and they said that it was actually a Citi charge and they could NOT help me. When I called Citi back they said they would like to help me but because they no longer have a bank in Texas they could n't help me at this time. I told them that I called them while they they were still here and I had an account with them. Why did they send me on a wild goose chase just to get out of taking my money. I do n't want their money I JUST want MY money back! They deducted the {$25.00} from my account. This is highway robbery and totally unfair! My name is XXXX XXXX and my account number was XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had a bestbuy credit card account with a {$300.00} line of credit. They wanted to charge me an annual fee of {$53.00} in XXXX. I sent them an e-mail requesting that they waive the fee since I was uncomfortable paying the fee. They refused. I spoke with them again and asked on their chat application. They said they could n't waive it so I asked them to close the account. They never said they would continue to charge me for the fee and now they 've hit me with a {$32.00} late fee. They also call XXXX a day harassing me. I want this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citimortggae keeps losing letters of authorization .A permanent '' Letter of authorization '' onwas sent to me an I filled out it was sent back electronically and certified mail to XXXX XXXX and XXXX .This is a delay tactic.also CitiMortgage fails to answer my XXXX 2015 letter for answers on a solicitation they sent to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation