vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, 2015, I was making a purchase at Macy 's ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and was offered an additional discount if I " opened an account. '' I was under the impression that it was a loyalty account, but was told after entering personal information that it was for an application for a credit card. I was misled because the term credit was not used in the pitch. I made an immediate request to the store clerk to withdraw my application since I did not want my credit to be checked. 

The store clerk phoned Macy 's customer support, XXXX ( # XXXX ), and was escalated to XXXX ( # XXXX ), and was further referred to Macy 's Real Time Credit Card division, who I spoke with XXXX ( # XXXX ). I was told that my application was pending and that I would receive more information in the mail. Again, I requested to withdraw my application since my application was pending. 

My complaint was escalated to XXXX ( # XXXX ), who later retorted that my application was pending, and another request to withdrawal my application since the status was pending. It was then escalated to XXXX ( # XXXX ) who revealed that my application was an automated hard credit check and was declined. 

I had no intention of applying for a credit card and was misled into thinking that:1 ) the application was not for credit or a credit related product and2 ) that my application was pending, so the application could be withdrawn. 

These predatory lending tactics ( i.e. bait & hook at the point of sale, undisclosed verbiage, automated hard credit checks ) is misleading and is detrimental to my credit rating. 

I want the application for credit withdrawn and stricken from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CitiBank violated Regulation E ( Reg E ) of the Federal Reserve when they refused to reimburse my personal checking account for the XXXX unauthorized transactions with my ATM debit card. I have notified the bank on XXXX XXXX, 2016, for the transactions that occurred on XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. The bank failed to conduct an adequate and proper investigation and failed to reimburse my account the loss of {$2800.00}. I have done everything on my end to notify the bank of the loss in the timely manner, and yet they did not follow Reg E and did not provide any legitimate reason for their actions.

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 2017-01-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Sent a debt validation request XX/XX/XXXX to which Citi responded with a letter stating they required more information in order to validate even though the original letter had all the required information for them to do so. I then sent a second letter on XX/XX/2016 which was signed for and delivered on XX/XX/2016 with a second attempt to request that they either validate the debt with my signature or remove the item from my credit report. To this day that request has gone unanswered as well as Citi failed to mark the account as disputed with the Credit Bureaus XXXX the FCRA. I request that this account be removed from my Credit Report 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 explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
It is my opinion that CitiBank is engaging in XXXX discrimination in at least this instance, both in how a compromised XXXX card was handled, the charges for expedited replacement and approving only {$22000.00} of a requested {$25000.00} credit line increase with income identical to my husband, and credit scores either identical or nearly identical to his. His was granted, mine was not. My husband 's card was compromised on XXXX/XXXX/16 and a replacement card was sent next day air at no charge, without him asking. My XXXX was compromised on XXXX/XXXX/16 and I was told I would receive a replacement card in XXXX10 days. When I asked why my husband 's was sent next day air, I was told there would be a {$6.00} charge for expedited delivery. I elevated the call to a supervisor who was to see it would be sent at no additional charge. After contacting CitiBank subsequently about the discriminatory {$6.00} charge and demanding that it be removed as an error and not as a courtesy credit, it ultimately was removed as a courtesy credit. Evidently, CitiBank felt it could properly discriminate by charging this {$6.00} fee and correcting it as a " courtesy '' rather than as an error as requested. I requested a credit line increase on, or about XXXX/XXXX/16. My income is identical to that of my husband and the attached XXXX scores for each of us as of XXXX/XXXX/16 show mine at XXXX and my husband 's at XXXX. The credit scores of XXXX and XXXX for my husband and myself are equal, or essentially equal. Ages are the same, the only significant difference is XXXX. CItiBank has denied any discriminatory action, but can not explain either the difference in how our compromised cards were handled, nor why my credit line increase request was not fully approved, as was my husband 's.

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 2015-07-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I received an unsolicited letter from a local One Main Financial office. Their requirements are not clear/not conspicuous and the letter itself was very misleading. In addition, the letter flat out lied about me having excellent credit when my credit is just fair to average at best. Further, the misleading mail solicitation implied my credit had been reviewed/screened and also implied that to get a personal loan, that all I had to do was bring in the " Pre-selected Certificate. '' I am certain XXXX if not XXXX of other people are being misled by this company 's solicitations and " marketing. " When calling the company prior to applying, they are evasive and refuse to directly answer the question of if there is any credit score they will not accept. They instead repeatedly tell you to apply online or in their office. 

I am very upset that I was misled by this letter, took my time to go to their office where I received poor customer service, they acted as if they were happy to be alone and a bit irritated that a customer had walked in and then declined receiving a hit to my credit score which had just recently been boosted a bit by diligent efforts to improve it. Because I met the basic requirements of income above {$20000.00}, proof of ID and no BK filings and because I had the " Pre-Selected Certificate '' I thought I would be approved. That is truly how easy their misleading solicitation makes it appear. 

As far as their lackluster customer service, the person who " helped '' me then proceeded to collect personal information about me seemingly in an attempt to get me out the door faster, there were no pleasantries or even a pleasant attitude. It truly made me feel as if perhaps she determined that I was not eligible and was just quickly going through the motions even before she had all my information. 

The letter is extremely misleading, even when I called the branch manager listed on the letter she said that they do not view or pull your credit despite having a letter in my hands that referred to my " excellent credit. '' I told both the branch manager and the person who personally took my application that I am very upset that I was misled and that their company is casting a wide net, ensnaring many who they refuse to help and actually harming credit-wise in their misleading attempts to get more business. 

Neither of the XXXX, including the branch manager offer any resolution. The branch manager only said she can take my complaint, that is not resolution and makes me believe this is how this company gets it 's customers ... by misleading a significant number to get a smaller number they truly want. This company needs to have swift action taken against them for misleading people through their unsolicited solicitations and marketing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX 2016 I went to the Citi website to apply for Citi XXXX Honors Rewards card and clicked on an offer that would provide XXXX or XXXX XXXX Honors Rewards points if I had {$2000.00} in charges in the first 3 months. Once my application was approved, and I logged into my account, I noticed that Citi changed the benefit to XXXX points for {$1000.00} in 1 month. I called customer service on numerous occasions and told them there had been a bait and switch. After weeks of a runaround, someone ( XXXX ) from Citi Executive Officer XXXX called to help with my issue. After a day of " looking into it, '' he got back to me and told me that the marketing department said there was no possible way that that initial offer that I clicked on was available in XX/XX/XXXX when I applied. I told him that it indeed was and I had clicked on it, on the Citi website, to apply. He said there 's nothing more he can do. The conversation ended. There are numerous websites indicating the offer was available when I applied. Some of them are as follows : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX I would like the points that I was promised upon my initial application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
In XXXX, I opened a CitiGold account pursuant to an offer ( see attached ) to earn XXXX American AAdvantage miles upon meeting certain requirements. After meeting the requirements, I contacted Citi to confirm that I had done everything, and they confirmed ( see attached ) that I had qualified and should expect miles by XX/XX/XXXX. I recently talked to them, however, and they said that I do not qualify! I 'm upset ; I opened this account in response to their offer, and now they 're saying they wo n't honor the bonus, despite saying I qualified! Additionally, since I thought I would be receiving the bonus, I 've had to keep the account open and accrue a $ XXXX/month service charge. 

All I want is for Citi to uphold their end of the bargain!

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 2016-01-15 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I am a sensible, prudent, mature person and would not charge {$19000.00} on drinks and a XXXX. I believe a drink was spiked ( drugged ) causing me to lose my mental capacity to reason. I had a loss of judgment and rational thought and my ability to consent to charges. My credit card company said they can do nothing because they have signed paper receipts for charges of {$19000.00}. None-the-less, I was cheated and ripped-off at XXXX Restaurant in XXXX XXXX and do n't think Credit Card Companies should do business with XXXX. They gave cash advances to the XXXX who they claim is an independent contractor for the club. The other charges were for drinks I guess.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank is charging " residual interest '' on a statement from XXXX days go when the entire balance was paid in full. I paid {$750.00} in XX/XX/XXXX to bring the account to a XXXX balance when the account statement was for {$720.00}. In XX/XX/XXXX they billed me {$24.00} in interest when I paid the previous statement in full. When contacted they said it was " residual interest '' from the XX/XX/XXXX statement when I paid {$500.00} and the bill was {$550.00}. I paid {$4.00} of interest on the remaining {$57.00} in XX/XX/XXXX. I attached XX/XX/XXXX 's bill to show that every month my bill was paid in full and the account was always brought to a XXXX balance. It is illegal to charge " residual interest '' after you show a new balance & continue to accrue interest on an account. The final balance is always to reflect all money owed on an account except for outstanding charges not finalized by a retailer since the bill was cut.

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 2016-11-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Consumer Collection Management. Inc
State: IL

Complaint narrative:
My husband had medical debts that the collection agency had put in my name even though I was not on the medical bill. My husbands only income was social security and I was working so that is why they put his debt under my name. I do not think this was fair. My credit report is affected and I have repeatedly asked them to take my husband 's bills off of my account and they have not done so. He has since passed away and they still have his debt on my account. I need help. I do not know where to turn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am currently being reviewed for a loan modification with CitiMortgage and have a foreclosure sale date scheduled on XXXX/XXXX/15. Citi is telling me there is not enough time to complete the review and I need help getting the sale date pushed back. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I lost my job back in the summer ( went over to china ) so I could not pay for awhile. now I have a job and I 'm trying to pay again and I need help trying to pay off the card but with the interest fees and other fees I am not getting nowhere and with numerous attemps to try and resolve the problem, they will not help. I am not using the card. and my only other choice is to file bankruptcy as a last resort.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My issue is with Citi Bank who now handles credit for Macys. About one year ago I was moving to a new location and a few of my bills were missed, including a Macy 's bill. I had a XXXX balance so I could n't imagine why my credit card was closed. Citi Bank now charges Macy 's card holders a fee if they do n't use their card. I was never told anything about this. I knew I had a XXXX balance so I did n't understand why I was being penalized. Citi Bank has been more than difficult about this. They seem to be the ones at Fault because they do n't make this clear to customers. I do not appreciate having my credit card closed and now have denied another card. I did n't even do anything wrong. I talked to serveral people in the upper level credit division and they said they have received many complaints about the extra fees. This action is not good, I am sure it has impacted my credit.

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 2016-05-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I signed up for a Citigold bank account with the promotion code XXXX. The signup bonus ( XXXX ThankYou points ) was to be provided within 3 months of meeting bonus terms and conditions. After the XXXX month period, and after completing the bonus terms, Citi rescinded the offer. I am now stuck with {$90.00} in monthly fees. Citi needs to follow through on the agreement we initially agreed to.

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 2016-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Please Help! Nobody, explains the process and several " Homeowner Support Specialists '' have handled my file changing hands constantly, information gets lost and the process has been held up due to delays with the servicer for several months, waiting on modification for months ... this is a nightmare.

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 2016-12-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have a ExxonMobil credit card, Acct # XXXX. I only use this card for gas purchases via my XXXX. I normally purchase gas and then quickly pay off the purchasing using my Bank debit card. I noticed an issue with not being able to access my ExxonMobil account via the website. I finally call the XXXX number have been informed that I have a balance of {$120.00} comprised mostly of late fees that I have never been aware of. No one from ExxonMobil ever informed me of any irregularities at any time. Mind you I pay my gas purchases as soon as I make my purchase via my Bank debit card. They denied me access to their website which I thought was odd but never really bother to inquire since I was paying off my bills as soon as I incurred them. I called the XXXX number XXXX and was just informed of this situation. I did get them to waive the latest late fee and paid off the balance of {$83.00}. So basically for a gas purchase of about {$15.00}, I ended up pay {$83.00} dollars. I could n't close my account because of course that department is conveniently closed on Saturdays. This is a rip off plain and simple. ExxonMobil never bothered to call me at any time to discuss this issue which I would have resolved right on the spot. They just kept hitting me with late fee after late fee. Since they block my access to my account on-line I was never aware of any issues. I had an issue with ExxonMobil some years ago. My son who is an legitimate user of my account lost his card. It appears that someone found the card and used it. ExxonMobil denied my claim and I was forced to pay off the purchases even though I provided clear evidence that my son had lost the card. But this situation now is the last straw. I got ripped off by the last time by ExxonMobil for having to pay unauthorized purchases for a lost card. I complained and proved a statement but to no avail. Now this situation to be hit with late fees and never informed that there is an issue with your account is unacceptable.

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 2016-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
CitiMortgage has transferred my mortgage servicing but has failed to provide sufficient notice as to what company will be servicing my mortgage. CitiMortgage has also been talking to someone claiming to be me who is not 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 explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Please I need help. I do not know what more to do with this creditor. I have sent numerous letters to them, also to all XXXX credit firms asking for a VALID DATED SIGNED PROOF that this account belongs to me. Since last year I found this on my credit report. So since XXXX of 2015 I have been asking them for a copy of a signed contract by me and dated. all they do is send me only once a little letter stating " yes this account is yours '' that 's it. I go back to them again and again telling them enough is enough, send me the valid proof of my signature dated of when they opened this account. NOTHING! I am tired of spending countless hours - paper, money on this. My last line of defense are you guys, please help me. Ask them to send me a copy of the " SO CALLED CONTRACT SIGNED BY ME '' who I did not authorize this account. And if they say I did where is my signature opening this account???? NOW!!!

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