vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi cancelled my card because i 'm not using it, and Citi now requires me to call them to get my awards, but they wo n't answer their 24/7 number for retrieving awards. I had stopped using their card because it was useless. I have been a cardholder for more than a decade. My account was fully paid. They appear to want to deny me the ability to claim my awards. Can you help? 

I sent them an e-mail saying that I would report them in 24 hours, but since they claim to be 24/7 and I have n't heard from them, it made sense to go ahead and let you know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
XXXX has filed a suit against me on a bill that has been payed in full. The bill was {$650.00}, through Home Depot. On XX/XX/XXXX, I paid {$400.00} drawn from my personal bank account. Then on XX/XX/XXXX I paid the remaining bill of {$250.00}. I have asked several times to be sent a letter indicating that the bill has been payed. XXXX has refused and even filed a law suit against me even after bill had been paid in full. They also have refused to indicate to creditors that the bill has been paid in full, purposely ruining my credit and credit score.

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 2016-07-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
MY COMPLAINT IS AGAINST ( CITICARDS XXXX XXXX WHO IS THE DIRECTOR OF CITICARDS ) FOR DEPARTMENT NATIONAL BANK. MY COMPLAINT IS REGARDING {$400.00} IN ILLEGAL LATE FEES THAT XXXX BEGAN APPLYING TOO MY ACCOUNT XX/XX/XXXX WHEN XXXX XXXX TO PROCESS A PAYMENT I SCHEDULED FOR MY XX/XX/XXXX XXXX I LEARNED THAT MACY DID N'T PROCESS MY PAYMENT AND BEGAN APPLYING LATE FEES I QUICKLY ISSUED ANOTHER PAYMENT AND CONTACTED MACY TO FIND OUT Y THEY DID N'T PROCESS MY PAYMENT THE CUSTOMER SERVICE TOLD ME THAT SINCE IT WAS THE FIRST TIME IN 7 YEARS I RECEIVED A LATE FEE THEY WOULD REVERSE IT WELL THEY NEVER REVERSE IT AND INSTEAD ADDED THE LATE FEE TO MY NEXT MONTHS PAYMENT ALONG WITH ANOTHER LATE FEE .I FILED A COMPLAINT CFPB AND MACY EXECUTIVE OFFICE NEVER RESPONDED UNTIL I CONTACTED A XXXX XXXX AND INFORMED HER OF MY PROBLEM .XX/XX/XXXX I FINALLY RECEIVED A LETTER FROM MACY EXECUTIVE OFFICE IN AZ BY THAT TIME MACY HAD APPLIED OVER {$100.00} IN LATE FEES.

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 2016-12-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a letter from Citicards regarding Citi Payment Safeguard Classic an optional program for which you are charged a monthly fee to protect my card in the case of job loss, XXXX, or loss of life. This was the first time I had heard of this program, but the letter stated I was enrolled in the program. I called the number provided to cancel and inquire if charges had been made to my account. I talked to XXXX different people after being transferred multiple times. First I was told the charges began in XXXX, then another representative said it was since XXXX when I opened my account. This all was without my knowledge or agreeing to this program. I have been unemployed twice during this period and hospitalized. I could have used this benefit in each situation. After being assured I was canceled from this program I asked to be refunded the money and file a complaint. No person was available to talk to me, I was given a XXXX address and told it was going to take 30 days for my inquiry to be acknowledged. No phone number exists fro me to follow up on my claim as XXXX the customer representative told me they do not even have a number connected to the XXXX. Her concern was whether the phone calls had been handled correctly, not the issue I was trying to resolve.

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 2016-04-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I received a call from Shell on Sunday regarding my Shell Credit Card. She said that my account was delinquent. I checked my bank account and it showed that I had scheduled a payment for the full balance on the due date which was XXXX XXXX. I related that I had schedule a payment on the due date and they should have received it by now. She then checked Shell pending transaction account. She related that it showed a payment pending for payment of the full balance. She then related that it take 4 to 5 business days for a payment to clear. I inquired if I was charged a late charge for the slow processing of my payment. She said that I was charged a {$25.00} late fee. After I complained she agreed to reverse it ; however, it would take up to two billing cycles before it would appear on my account. I have noticed recently that I have been charged late fees on my Shell account. I checked back on my bank account on previous months and noticed that I have always paid on the due date but have been charged a late fee because Shell did not process my payment on time. My question is how many people has this happened. Is my account delinquent because Shell failed to process my payment in a timely manner? Shell is misstating the due date if it takes 4 to 5 days to process the payment?

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 2016-04-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a notice of collection for my Sears Citibank XXXX XXXX from a collection agency. I never received any notice of payment due, late payment notice or received any email or calls concerning a debt owed Sears prior to the collection notice. I have attempt to contact Sears, Citibank which refers me back to the collection agency who informs me they only have the capacity to collect the debt but not resolve any dispute concerning the debt. I have always paid all my credit card debts in full upon receipt of bill including prior Sears bills. My billing address has not changed and the collection agency used the same to contact me. I am willing to resolve any debt with Sears but unable to speak with anyone who can resolve the issue of failure to bill, notify and contact me about the claimed debt. Attempts to contact Sears/Citibank has resulted in recycling back to Collection agency who is unable to provide a resolution, but only can collect the debt. Sears having the correct mailing address, yet I did not receive a bill or any other attempts to contact me is alarming in light of the fact I received and responded to all correspondence from the collection agency to whom Sears/Citibank provided my information.

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 2016-01-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I just recently found out the City MORTGAGE AND NATIONAL DEFAULT foreclosed on my property illegally. I was corresponding with CITI MORTGAGE for a modification gave them all the details pertain to my finance. At the same time I asked CITI MORTGAGE AND NATIONAL DEFAULT to validate the debt. The reason why other entities were calling and mention that the loan has been sold. Who do I send payment to? I ask the entities to validate the debt they ignored all my paper work and foreclosed on us. While they were supposedly working with us for a modification. I need to report this asap so they can correct this matter immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Bank has denied me access to my checking account where over {$1500.00} is fudned. 

1. Can not bill pay 2. Can not transfer money in or out 3. Can not view charges or transactions or statements. 

Unethical and unprofessional conduct of Citi Bank continues. 

4. Bills will be LATE payment due to lack of access to funds Can not CALL and can not login online. 

Citi Bank is RUTHLESS!! 

DEMAND - APOLOGY and

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, 2016 a payoff check was overnighted to the express payment department of Macy 's. On XXXX XXXX the check was cashed but my account has yet to reflect my payment. I faxed proof of the check ( 6 times ) and it was n't acknowledged until XXXX XXXX. I contacted Macy 's by phone at least 4 times a week for a resolution. Each time I had to tell my story over and over again. I was put on hold so many times for over 40 minutes only to be hung up on. I 've asked to speak to a supervisor but am given the run around each time. Last week they acknowledged my payment, but said it could take up to 2-3 billing cycles for my account to update. I 've been beyond patient and have done everything they have requested. Now I 'm being bombarded with collection calls, even after I tell them each time to read the notes and they assure me I 've been taken off of the auto calls. I do n't understand how an express payment is n't processed in a timely manner. Now it 's reflecting on my credit report that I 'm late with my payments, I 've paid on time each month. Macy 's assured me they would fix the credit reporting but I foresee another slew of phone calls and dead ends to fix the problem. Basically that could be a total of 5-6 months of waiting. I 'm in the process of purchasing my first home and this hindering me from applying for a loan. Macy 's needs to learn from this and understand the XXXX toll it takes on their customers. Hopefully this could be a learning experience for the company.

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 2016-11-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi mailed me, to my home address, a pre-approved credit card application. When I completed it, Citi turned me down because ( as they explained over the phone ) they could n't verify I lived at that *very same home address*. They put me in a Catch-22 : they mailed me an application with my name on it and then disbelieved that I live where they mailed it. My complaint is not that I was denied credit. My complaint is that, thanks to the denial, there 's now an unfulfilled request for credit on my credit history. Citi should not be sending out applications that are doomed from the start to be denied.

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 2017-01-28 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I disputed a {$240.00} double charge, and provided evidence of the mistake. After a month long investigation, Citi bank credited me {$9.00}. No explanation why, and when I call they told me they could not reveal how they got to that number. Not using them any 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 explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My father recently granted me Uniform Statutory Form Power of Attorney, California Probate Code Section 4401, noting further within the Power of Attorney Document that I " shall have the power to act on my behalf in my capacity as Trustee/Trustor of The XXXX Family Trust Dated XXXX XXXX, XXXX '' While this document was immediately honored by XXXX XXXX XXXX with whom my father also banks, CITIBANK has refused to do so. Instead, they have cited the need to have my father personally enter the branch and fill -- out additional forms that I believe to be exclusive to CITIBANK and wholly unnecessary if not illegal. My Father is away until XXXX XXXX and it is therefore impossible for him to appear. 

Currently my father has XXXX separate checking accounts with CITI BANK ; a joint checking account with my mother who is deceased and an account in the name of the family trust. I have placed several phone calls with XXXX separate branches in an effort to resolve this matter but to no avail. Moreover, I have been denied access to speak directly to the CITIBANK 'S legal department and have been, instead, directed to speak only to branch officials. 

I would like to know under what authority does CITIBANK have the right to act in this manner and why XXXX institution, in this case XXXX XXXX XXXX, had no issues with power of attorney while CITIBANK continues to put forth obstacles for granting my father 's wishes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
REFERENCE : ACCOUNT FOR XXXX XXXX XXXX Best Buy ( TM ) Credit Card XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX TO WHOM IT MAY CONCERN : TWENTY MONTHS AGO MY WIFE AND I BOUGHT A DRYER AND WERE ASKED IF WE WOULD LIKE TO USE THE 18 MONTH NO INTEREST PROGRAM. WE WERE APPROVED AND BEGAN MAKING OUR PAYMENTS. OVER THE NEXT FEW MONTHS WE MADE SEVERAL PURCHASES UNDER THIS LINE OF CREDIT. WE CONTINUED TO MAKE OUR PAYMENTS WITH THE IMPRESSION THAT WE WERE PAYING OFF THE PREFERRED DEBT. OUR PAYMENTS WERE ALWAYS ON TIME AND MANY TIMES MORE THAN THE MINIMUM DUE. WE ENROLLED IN AUTOMATIC BILL PAY AND AUTO DRAFT AS WELL. STILL THINKING THAT WE WERE ON SCHEDULE TO PAY OFF THE PREFERRED DEBT. LITTLE DID WE KNOW THAT THE PAYMENTS THAT WERE MADE WERE NOT GOING TO PAY OFF THE DRYER, THEY WERE APPLIED TO THE OTHER PURCHASES. THIS WAS NEVER EXPLAINED TO US UNTIL I NOTICED OUR BALANCE WENT UP BY {$700.00}. THIS WAS THE INTEREST CHARGE THAT WAS PLACED ON THE ACCOUNT BECAUSE WE FAILED TO PAY OFF THE DRYER. I REACHED OUT TO BEST BUY CUSTOMER SERVICE AND SPOKE TO XXXX DIFFERENT LEVELS OF MANAGEMENT AND THEY EXPLAINED HOW SORRY THEY WERE THAT WE DID NOT UNDERSTAND THE PROGRAM BUT THAT NOTHING COULD BE DONE. THE WHOLE TIME WE THOUGHT WE WERE PAYING OFF THE DRYER, WE PAID NO MORE THAN {$240.00} OF THE ORIGINAL BALANCE. WE HAVE THE MEANS TO PAY THE BALANCE OFF AND WOULD LIKE THAT OPPORTUNITY TO DO SO WITHOUT THE INTEREST CHARGE, THAT IN MY MIND WAS DECEPTIVELY PUT ON THE STATEMENT. IN ORDER TO RESOLVE THIS MATTER, I REQUEST THAT SOMEONE CONTACT ME AS SOON AS POSSIBLE SO THAT NO FURTHER ACTION NEEDS TO BE TAKEN. 


SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX 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 2015-12-11 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank called my father, whom I do not live with and disclosed personal information about my debt and being behind with my bills. The third party ( father ) was informed about how much I owe them. They leave robocall messages on my phone every day, and do not make themselves accessible for me to try to call back at an appropriate time that allows me to solve the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Financial Asset Management Systems Inc
State: GA

Complaint narrative:
My client entered into a repayment agreement with Financial Asset Management System ( hereinafter referenced as " FAMS '' ) on behalf of XXXX. My client was in default on private student loan and he was given to understand his agreement would cure that default. This agreement was entered into on XXXX, 2014. My client is attempting to purchase a home and has a respectable credit score. However, he is being denied his loan because FAMS and/or XXXX is falsely reporting his is delinquent. This slanderous intentional misrepresentation is actively damaging my client.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citicard has made countless errors with my account in the past year. They have double billed me, failed to get back to me when they promise to respond within 24 hours, they switched my account without asking me, they sent my cards in the wrong name and to the wrong addresses. They always have excuses but to this day, they have not corrected errors on my bill. I asked them to waive the {$85.00} annual fee, and they are very nasty about it, threatening me, instead of waiving it after all of the fines and fees they have cost me with their errors and incompetence. 
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 monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dispute unfair billing practice and billing error since XX/XX/XXXX been in dispute since back and forth with Citi Bank Sears Billing @ billing about credit never added back to account after numerous attempts to solve these issues. Credit that was given back for the months of XX/XX/XXXX, Through XX/XX/XXXX and XX/XX/XXXX through now XX/XX/XXXX has not been added to our account.proof of credit that was apply was put back in purchase for those months which explain our over payment to Sears Credit Card ( Citi Bank ) who refuse to investigate the unfair billing error and refuse to fix the problem and refund our over payment to 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 2015-11-11 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
i am an XXXX and have an excellent credit score. ( @ XXXX fico ) with greater than 10 years of credit history. i have applied for a citi credit card attracted to their double miles promotion. 

they have been sitting on my application for more than a week. when i called the agent tells me that application is still pending in a department, that can not be reached by anyone. 
she suggests my only option is withdrawing the application. with a credit enquiry already posted to my history, i am very much interested in the reason they have been sitting on my application. 
regardsXXXX XXXXXXXXXXXX credit application no. XXXXdated XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Once again, after processing a mortgage payment over the phone, CitiMortgage misapplied my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am getting repeated calls ( XXXX a day ) from Citi Bank over a credit card debt I owe that I am unable to pay at the moment. I have told them to take me off of the calling list and do not call anymore, but they continue to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi Bank has garnished my commercial checking account without notification. I have contacted them on the phone and in the branch and no repose so far. The account is also joint with my wife and it has a zero balance after it had {$38000.00} in it. I am a head of a household with XXXX kids and have no funds to feed my family. I have hired a lawyer and still no response. Need urgent resolution.

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 2017-01-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I had a Macy 's credit card with a {$300.00} limit and zero balance. In XXXX of 2016 Macy 's let someone call and report card lost or stolen and sent them a new card to an address in Florida. Next the credit limit was raised to {$2200.00} and immediately the card was used in XXXX, XXXX XXXX, and macys.com. In XXXX 2016 on a trip to XXXX XXXX XXXX I tried to use the card and it was declined. Upon my return home I received a phone call from Macy 's asking for payment on the card. I informed Macy 's that I had not reported my card lost or stolen and I did not live in Florida. I filed a police report and the necessary paperwork with Macy 's Fraud Investigation Department. Macy 's has now sent me a letter saying they did not accepted my claim as a fraud claim and sending my account to an collection agency. This is unacceptable!!! Macy 's has significantly damaged my credit score and my ability to obtain credit has been diminished. They have also reported false information to the credit reporting agencies and now all reports are inaccurate.

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