vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-24 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citi AAdvantage is soliciting Credit Card application for XXXX at my residence, even after phone calls to stop sending those applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Unauthorized charges were approved to newly opened Citibank Credit Card account with the wrong cardholder name and cardholder number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My bank citibank has refused to release XXXX that was only held for incidentals that XXXX per night at hotel I had stayed at and checked out many days ago should had funds released by now.. This is very damaging to my credit line as I need back as use this card for business travel

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 2016-01-23 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP
State: SC

Complaint narrative:
XXXX XXXX, account specialist, called once, asked to verify last XXXX of SSN. Admitted it was not mine and then said would research and get back. Then had his manager call -- still could not verify SSN. Yet looked up other matching cities and addresses to assert loan was mine and wanted me to admit it, repeatedly. I have never taken a loan from XXXX student loans, the creditor in question. He said he would put me in touch with XXXX student loans to confirm that I was not the borrower, put me on hold and then I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have had a Best Buy credit card for a number of years. I have only used it a few times over the course of several years. I have it set up on autopay and I do n't receive a paper statement so I do n't check the account regularly, as there is no need. Recently I logged into my account and was going to pay off the card when I noticed that despite my monthly payment, the balance has not changed that much. I began to look at my statements and noticed a charge every month for Debt protection. I called customer service to inquire about this charge and was told that it was added to my account in 2004. I informed the representative that I DID NOT authorize or sign up for this. They processed my request to cancel this from my account. I also requested a full refund of all the fees including interest that I have been charged over the course of the last 12 YEARS!!! I received a letter in the mail confirming that this debt protection had been cancelled and that they were crediting my account for 3 months of charges as a " courtesy ''. This is unacceptable. How can they get away with fraudulently signing consumers up for programs they did not authorize? I demand a full refund of the unauthorized fees and any interest charges that accumulated because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This is regarding a Costco AMEX card balance that was transferred to Costco CITI without my knowledge and consent. I did not asked for a new Costco CITI card and I did not applied for a Costco CITI card. I never got a written notice that this was going to happen automatically and have not received a Costco CITI card. As a result of this error in collection that was amounted to {$250.00}, my XXXX score dropped from 825 to 688 and continue going down. I had loss opportunities of seeking new credits such as mortgages, auto loans, or personal financing. Loss opportunity in getting jobs due to XXXX drop. Many others damages that is without end to name. I have tried to resolved this issue with CITI collection without any end resolved. Please help me correct this bank predatory behavior. Thank you ACH.

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 2016-01-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Without Notice Citicard expired {$300000.00} worth of " Thank You '' points on my credit card account. I have paid my bill in full for over 20 years. 2012 I had over XXXX points and then come XXXX XXXX without notice they started expiring them. Since 2012 I continued to earn points racking up another {$200000.00} worth of points. I learned this pas Sunday that instead of the over XXXX points they owed me I had only XXXX points because that had expired XXXX points. Never on any credit card statement was I given notice the points were going to expire. Never was I sent a letter that the points were going to expire. Up to XXXX 2012 they never expired. But then they started taking them away. I have waited to reach enough points to take my family to XXXX and now that dream has been dashed by Citibank 's fraudulent methods. These were called " Thank You '' points. After being a customer over 20 years this is XXXX away to say Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Signed up with a promotion code for a checking account at CitiGold. Called mutliple times to make sure the promotion code was accepted and to make sure I reached the minimum qualifications. After not receiving the miles 120 days after the posting date ( it said to expect them by 90 days ) I called to address the issue. 4 weeks and 2 calls later they sent a letter saying it was invalid because the promo code was not addressed to me. However, they never stated that until the minimum requirements were met, I had called at least 6 times, and it was time for them to reward me with the miles. Their customer service was very slow and only about half the people I talked to seemed to understand the dilemma. Had I known it had to be actually sent to me this would be a non-issue but not one person mentioned that.

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 2015-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been told several times by Citibank that I am a preferred client. I tried many, many times to determine why I could not pay the IRS with my Citibank online BillPay account. I finally received a letter from Citibank stating " this service is no longer available for the IRS, as we have encountered servicing issues with them. '' I had to make XXXX separate inquiries to Citibank in order to finally learn that Citibank does not pay the IRS with their online BillPay services. 

I complained to Citibank and asked XXXX ( XXXX ) very SPECIFIC questions, as follows : Why did n't Citibank give me this information in the first place? 

Why did I have to drag ( XXXX TIMES!! ) this information out of them? 

Can Citibank be any more UNCLEAR in communicating with their preferred clients? 

Does Citibank really believe this is acceptable customer service? 

I even stated my expectations in my complaint, as follows : I expect Citibank to respond to this complaint with answers to the above ( XXXX ) questions. 

I received a Citibank letter, dated XXXX XXXX 2015, which is attached. 

CITIBANK, OF COURSE, DID NOT ANSWER MY XXXX QUESTIONS! 

THE LETTER WAS JUST ANOTHER EXAMPLE OF POOR COMMUNICATIONS FROM CITIBANK!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
My mortgage terms require monthly payments as of the first of the month, but allows a grace period without penalty through the XXXX of the month. For 12 years I have generally made payments no later than the XXXX of the month. In the last 3 months, CitiMortgage has used auto dialers which call between XXXX times a day leaving empty voicemails every time starting on the XXXX of the month until 2 days after my payment has posted. The calls start at XXXX and continue until 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 2017-01-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
THIS AMT OWED {$8800.00} WAS TO BE PAID UNDER XXXX INSURANCE, WHICH I PURCHASED AND WAS PAYING FOR, AT THE TIME I REQUESTED THE LOAN. XX/XX/XXXX, I WENT OUT ON PERMANENT XXXX AND HAVE BEEN RECEIVING BENEFITS FROM SOCIAL SECURITY SINCE XX/XX/XXXX. THE LOAN COMPANY WAS NOTIFIED OF MY XXXX AND THEY WERE SUPPOSED TO SUBMIT A CLAIM FOR THEIR MONIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
First, I have XXXX mortgages, a XXXX with XXXX and a XXXX with CitiMortage. In XXXX, I requested a mortgage modification for both mortgages due to a fraudulent appraisal by XXXX XXXX in XXXX. In XXXX, XXXX Mortgage reduced our XXXX mortgage by {$220000.00} due to this over appraisal by XXXX. XXXX XXXX sent us a XXXX form XXXX, Cancellation of Debt in this same amount ( this form is available for review ). In XXXX, I contacted CitiMortgage to request the same percentage amount reduction of our XXXX mortgage for the same reason and never heard a word from CitiMortgage. CitiMortgae did reduce the interest on the loan. However, on XX/XX/XXXX, CitiMortgage wrote a letter outlining their increase in the interest from 1 % to 4.5 % and a payment increase from {$190.00} to {$270.00}. On XXXX XXXX, I sent CitiMortgage, by Certified Mail, a letter outlining that we are both retired and living of social security and a small state employee pension and would be unable to make this increase. I also attached a copy of the XXXX form XXXX, Cancellation of Debt from XXXX XXXX in the amount of {$220000.00} on the XXXX mortgage and requested the same percentage reduction of the CitiMortgage XXXX mortgage, due to XXXX 's over appraisal when the sold CitiMortgage the loan. In that letter, I ask CitiMortgage to please respond to our request within 10 days from the Certified Mail letter dated XXXX XXXX, XXXX. That letter is also available for review at any time, with Certified Mail Receipt. Here 's my complaint ; If XXXX Mortgage consented to reduce their XXXX mortgage by {$220000.00} due to the property being over appraised by XXXX XXXX, then CitiMortgage should be responsible to make the same percentage reduction for their XXXX mortgage. In the XXXX lawsuit against XXXX Mortgage, they were convicted for fraudulent appraisals and lending practices and our over appraised mortgage was sold to CitiMortgage. At XXXX years old and unable to work, we have listed the home to sale twice and real estate agents the home will not sell for the over appraised mortgage amount. Please advise and we look forward to your response. Thanks is advance for your consideration in this matter.

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

Complaint narrative:
My credit card with Citi Bank Advantage was set up to automatically pay in full each month. This past month I moved, causing me to have more expenses than usual. I went online a few weeks prior to my payment due date and change the auto pay amount to {$500.00}. On XXXX/XXXX/16 Citi Bank took the full amount of {$4100.00}. I called on XX/XX/XXXX and was told that the monies would be deposited back in my checking account on XX/XX/XXXX or XX/XX/XXXX. It was not, I called again on XXXX and was told that it would be done on XX/XX/XXXX or XX/XX/XXXX. As of today the funds have not been refunded. Now they are telling me it should be done by the end of the week. So far I have incurred {$100.00} in overdraft protection fees. I really need this money to pay all my normal + moving expenses.

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 2016-11-17 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
The Home Depot offers consumer credit cards which are serviced through Citibank ( citiretailservices ). They periodically offer extended terms offers of no interest for six, twelve, eighteen, or twenty-four months on purchases of various amounts. I find that the deferred interest charges are being accumulated in an amount that exceeds the rate that is in the account agreement and that appears on the monthly statement. 
On my XXXX/XXXX/2016 statement, the deferred interest charges increased by {$23.00} on the {$1100.00} promotional balance and by {$61.00} on the {$2400.00} promotional balance. When I calculate the 30 days interest at the published 25.99 % rate, I get {$22.00} and {$52.00}, respectively. 
I am attaching copies of the XXXX/XXXX/2016 and XXXX/XXXX/2016 statements.

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 2016-05-12 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ZENCO COLLECTION, LLC
State: PA

Complaint narrative:
A company called Zenco Collections contacted my father, a XXXX XXXX, in an attempt to collect on a debt that is over 10 years old. They said they have reduced the debt if he makes two payments of $ XXXX+, the entire amount of his XXXX check and if he didnt pay they were going to refer the case to " XXXX county '', the county where we currently live and threatened to either sue or take him to jail. Out of fear of being arrested, he gave them his bank account number and they sent him an email with a letter for him to e-sign. Fortunately he told me about this before he e-signed and returned the letter, so he has not legally authorized any withdrawals. I then did some research and found that there are complaints with the XXXX regarding threats to others and those complaints went unanswered by the company. When the company called back I told my dad to ask them for a verification letter and a license number. This made the lady VERY angry and she said she was referring this to " XXXX XXXX '' who is apparently the guy in their legal department and she said " good luck to you '' and hung up on him.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XXXX XXXX, XXXX Consumer Financial Protection Bureau ( CFPB ) Dear Sir or Madam : Please see attached for the full details along with previous case/complaint number XXXX. 
As indicated in the initial dispute filed against XXXX in XXXX XXXX and in the subsequent letter in XXXX XXXX, this XXXX/XXXX account was requested to be closed in XXXX XXXX and a final bill was never issued although repeated attempts to obtain final bill were made. XXXX has been contacted via the telephone and in writing numerous times. XXXX/XXXX continues to be uncooperative. 
XXXX/XXXX admitted to sending personal, private, financial information to the wrong address and some unknown email address for over nine months. They also admit to allowing someone to gain access to this private account information online for over nine months. XXXX refused to provide the incorrect address or the incorrect email address without a court order ; however, their collection agency, XXXX, XXXX, and XXXX, XXXX provided the incorrect address. This incorrect address is now appearing on the customer 's credit report with all XXXX credit bureau agencies. While the incorrect email address is still unknown, the incorrect address is : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX refuses to issues invoices to the correct address and refuses to accept responsibility for their actions. They reported incorrect information to XXXX different credit reporting agencies which is still in the process of being resolved well over a year later. They have caused a lot of unnecessary delays and issues. They continue to harass us with various collection agencies, including the latest agency, XXXX XXXX XXXX. 
First, this account should not be in a collection status. Any and all issues are XXXX 's fault not ours. Secondly, we have called XXXX - many different departments within their organization - to no avail. We 're not calling them anymore. At this point, everything needs to be in writing.

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 2015-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Being harassed for other people 's debts even after I informed OneMain Financial that they are calling the wrong person. Asked them to remove my phone number from their computer several months ago and they are still calling me asking for someone else and saying they are trying to collect money owed. Giving me a run around about removing my phone number from their computer Robo dialer months after was told it was to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
It is a Best Buy credit card they call me everyday sometimes two and three times a day including Saturdays and Sunday and has been going on for the last 2 or 3 months I let them know that I am involved with a debt relief program for them to stop calling me and they have not stopped they call me Sunday mornings Sunday evenings everyday. It 's non stop 7 days a week.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I called about my VA loan to Citimorgage trying to get ahold of XXXX XXXX who was assigned to my loan. When I asked to be connected to his extention XXXX. The personnel answering phones asked my SSN and Loan number. I said I was trying to get this extention and did n't see a reason for her ( XXXX ) to have this info. She said FCC requires her to get info. She could n't help unless I gave her info. I did then she asked me my intention on my morgage. I said she did n't need to know that either. So I asked to talk to supervisor -- he said the same. I asked to schedule a phone call back from XXXX. It took 45 Min. I kept being asked to give my SSN number and loan. number and other personal info. The reason I am told is it is to protect my account from Fishing -- -how is that? I give me personal info to several people who have no reason for it and it is to protect me? When I complained -- I was told it was required by FCC rules. That is stupid. Everytime I call Citi and I complain -- they hang up, put me on hold, ignore my requests. It took me 45 Min to get a call back scheduled. When I finally talked to XXXX XXXX and complained -- he hung up on me. I sent him 3 emails requesting paperwork on how to send deed back to morgage co. Since they are not cooperating with my Short Sale request. XXXX has ignored my requestes for the paperwork. The VA said I can do a short sale for VA loan or give deed back in lieu of forclosure. But Citibank wont give me paperwork.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
went to pay XXXX on phone-said i couldnt acct had gone to citibank-called citibank sad i didnt have to pay in XX/XX/XXXX and there would be no interest as i always paid account in full. got bill fron citibank with interest on it. called said 1st person told wrong info and there would be interest. asked for something in writing said they couldnt give me anything just dont pay. called again told dont pay interest but cant give anything in writing anf must pay total to not be charged next month when innterest credit will be taken off. asked for superisor told none available but would have one call some time. .filled out on line questionnaire with all this info got no 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