vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-21 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a Citi AAdvantage card. During the account opening process, the application asked me to create a log in, sign up for a paperless option and then provide a secret word. When I selected Continue to move on, the website said " System Error. '' I tried calling customer service who was not able to identify me or find my application. They transferred me to the application team where my application was found. I was then told that there was " website issues '' or " some applications do n't allow instant access, maybe this was one. '' and to " Please just wait until you get your card and you create on online account. '' My concern remains that Citi is willing to send a credit card by XXXX with no tracking methods to my house in the city where mail is often stolen and the only way to create an online profile is to " try calling back in 24-72 hours when your account goes to customer service and see if they can help or wait until you get the card. Maybe we could also send it to someone else 's house. '' I am concerned that I have no way of tracking the account opening process and delivery of my credit card without putting a hold on the account and potentially allowing someone to compromise the card without me being able to log in and see the account status.

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 2016-02-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a phone call at my place of employment from macys credit card company that i need to make a payment and i was very upset with XXXX thing, first i do not have a macy 's credit card second they had called to my place of employment. i told the lady they have the wrong person and told her that do not call me back ever again. But she got a little rude which made me to hang the phone on her. This happened on XXXX 2015 and since then I had filed a police report I had send letters to macys stating this account is not mine also disputed the account with credit bureaus. Macys has not done anything to satisfy my request as a consumer whos identity was stolen they keep sending me the same letter saying that they have received my recent correspondent regarding a macys account and my letter has been forwarded to their fraud investigation and some one from fraud department of macys will contact me regarding my concerns. as of this date I have not received any phone calls regards to this urgent matter. only thing I have got from macys is bunch of promises with the same generic letter but with a different date on it. please help me to resolve 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 2016-09-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/2015 my daughter contacted XXXX to inquire about pricing about a flight to florida. Unknowingly when my daughter gave my credit card number XXXX considers that booking a flight. I disbuted the charge with Citi Bank they denied me stating I book the flight via internet and I read and understood the rules. Which was false. I called and stated This was a phone call and my daughter was on the phone and she is not an authorized user on my account and I should not be charged for an inquiry only. I contacted XXXX explained the situation they apologized for there agents mistake and explained it is company policy that they DO NOT give cash refunds they give flight credit vouchers. Which they did for the full amount of $ XXXX.on XX/XX/2015. I called Citibank and showed them the documentations and they still would not refund me. I then stated I would like to take this to court and let a XXXX make the final decision which they agreed to do. I also stated I am going make an advance payment of {$2900.00} which would leave only the {$120.00} balance in question. They agreed. Time went by I had forgotten about this until I applied for a car loan. To find out the Citi bank had destroyed my credit because i had not made any payments for 6 mo on the credit card. This is after making an agreement with me to let a court make the final decsssion and excepting a payment of {$2900.00} in advance so there would be no problem with a late payment. 
This is outright wrong to do to me after making an agreement with me also i could have made monthly payments at no cost to me because i had interest free for 18 mo. 
XXXX XXXX XXXX is aware of 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 2017-01-06 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a membership with XXXX, which used XXXX XXXX as its credit card provider. XXXX changed its credit card to Citicard and start- ed sending me notices to change cards. Citicard, meanwhile, inundated me with application forms. I decided not to renew my membership with XXXX. Citicard, without my permission or contract, created an account in my name after almost a year lapse and had the audacity to charge me for for who knows what plus interest, penalties and fees. Citicard and XXXX act like they can not understand my objection. It is simple : I do n't want the account Citicard, I did n't agree to it and I want it expunged. 
does not know what what I am talking about

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 2015-11-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank published a Notice of Trustee 's Sale for XXXX/XXXX/2012 ( attached ) on our property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, a legal action designed to recover their XXXX Trust Deed Mortgage with a lien against our property. The resultant foreclosure did not generate sufficient funds to cover Citibank 's TD. Citibank now expects us to cover the difference in a second debt collection legal action in direct violation of California XXXX Section XXXX ( a ) [ Single-Action Rule ; also attached ]. I brought this matter to the attention of XXXX at Citibank ( direct phone # XXXX ) who responded that after their legal review they do not believe California 's XXXX Rule applies. Please kindly let me know whether or not the state 's XXXX Rule governs here. Thank you very much. 
P.S. I have also attached a letter from XXXX XXXX XXXX ' Office, California XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Dear Sir/Madam, I seek your assistance in dealing with Citibank US to obtain the {$400.00} promotion that I 've qualified, for which Citibank keeps throwing me in circles. Sometime XX/XX/XXXX/XX/XX/XXXX, I had applied to open a Citigold account with the Promotion code XXXX which offered {$400.00}, if the terms and conditions were met. I received a letter dated XX/XX/XXXX, indicating that Citi 's record indicate that I 've qualified for the offer but that I needed to provide my XXXX, upon which Citi will credit my account for the incentive. 
I 've spoken to Citibank representative numerous times to no success. Every time, it 's the same story that they will inquire further and lodge a complaint on my behalf. During my call with a Citi rep on XX/XX/XXXX, the rep indicated that Citi had received my XXXX on XX/XX/XXXX but no word on my {$400.00} yet. The rep indicated that I should hear back within XXXX hours but off course no communication from Citi. I called Citi again on XX/XX/XXXX and the same story again ( further inquiry and complaint ). For one last time I called Citi on XX/XX/XXXX and expressed my frustration. I mentioned that if I do not hear back from Citi by the XX/XX/XXXX that I 'll be lodging a complaint with the Consumer Financial Protection Bureau ( " CFPB '' ). Since, I have n't heard back as of today ( XX/XX/XXXX ), I was hoping CFPB would kindly assist me in obtaining my {$400.00}. One thing to note is that all the Reps that I 've spoken with were very sympathetic to my situation and were very professional as well. Unfortunately, their hands were tied as well. 

Having been a Compliance Officer at financial firms for the last decade, I understand the rules and regulations thoroughly and one thing for sure is that if something is advertised and/or promised, one should live up to their end of the bargain. I 've lived up to my end and satisfied the required terms and conditions but now I 'm being pushed around in circles by Citibank. 

Please kindly assist. Thank you.

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 2015-05-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
In XXXX 2015 my credit card with Citibank was compromised. They contacted me promptly to address the issue, told me they were freezing my card and sending me a new one. At that time they notified me of a few pending charges and assured me that those charges not incurred by me would be refunded. 

Unfortunately, I later noticed XXXX charges from a company called XXXX XXXX, each for {$140.00}. This appears to be a company based in Tennessee. I currently live in XXXX, XXXX. I have never heard of or done business with this company. As soon as I noticed these charges on my bill I contacted Citibank to notify them, and was told they would be refunded in 7-10 business days. 

Approximately XXXX weeks after my initial conversation with Citibank about the fraudulent charges from XXXX XXXX, I called them again to notify them that I had only been refunded XXXX of the charges and the remaining {$140.00} was still outstanding. They assured me that the charge would be refunded and again asked me to wait up to 10 business days. In good faith, I did, but no further credits were made to my account. I have since contacted them XXXX more regarding this same charge. The last time I called, approximately one week from today, I was told that the charge was refunded to me, but for some reason it was not showing up when I looked at my bill online. I was told that they would send me copies of my paper statements, which would show the refund. 

I received the paper statements earlier this week, and no refund appears. I see the original refund for {$140.00}, which I was well aware of, but nothing has been done about the remaining {$140.00}. I even thought there might be an error in showing the credit/refund, on the bill, but it might instead be reflected in my balance. This was not the case. I added up the credits and debits to my account manually, and the balance is still missing {$140.00} incurred due a fraudulent charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received phone calls on my mobile from citi bank credit card from number XXXX about past due and i did return call again same number and their system identify me by my home phone number and system says " we are attempt to collect debt Any information obtained will be used for that purpose. '' my question is i just miss the XXXX payment on my credit card account and I took immediate action and made payment. my question is why my credit card account is under " attempt to collect debt ... .that purpose '' Is it under collection agency or i have balance and did not paid full each month it means my account subject to collect debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a bill from Macy 's Store Credit Card on XX/XX/2017 with a total new balance for that statement in the amount of {$300.00}. The payment due date listed on the statement was XX/XX/2017. I made a payment in the amount of the full balance of {$300.00} on XX/XX/2017 bringing the account balance to zero. According to the card-member agreement included with the bill, interest will not be charged if you pay your new balance by the payment due date each month. On XX/XX/2017, I received an email notification stating my Macy 's card balance was overdue. I pulled the statement and it showed I had received an interest charge on XX/XX/2017 in the amount of {$4.00} even though I had submitted my payment in full of the total new balance sent to me in XXXX. The statement received in XXXX showed an additional interest charge of {$2.00} on the incorrectly applied interest charge added to my account in XXXX. Macy 's fraudulently charged the interest from the balance in XX/XX/2017 when the according to their own payment rules, no interest is charged on payments made in full for the entire balance. This situation reveals a major issue in how they charge interest to accounts with no catch to ensure customers are not fraudulently charged interest when there is no balance to charge interest. Not only did they charge me the incorrect interest in XXXX, they also charged a second interest amount for the XXXX bill and reported my account as past due. How long would this have gone on had I not checked my account even though I had payed my balance in full and had not used the card in two months? This is abusive behavior by Macy 's and it needs to be addressed with how their system applies interest to accounts and they should retroactively review accounts to make sure no one else has been effected by this major deficiency.

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 2016-02-08 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I obtained a loan from bank to pay off credit cards, a cashiers check was mailed to Macy 's to pay off credit card, the check was cashed by credit card company on XXXX XXXX, 2016 I have receipt confirmation from my bank that it was cashed. The amount has still not been applied to my account on XXXX XXXX, 2016. I have called customer service and sent messages via internet and my bank has faxed over the copies of processed checks and the amount has not been applied to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX 2016 I changed my banking services and proceeded to update my autopay information in the Brooks Brothers XXXX system. Previously, autopay had worked to pay the full balance of the credit card on time. When I checked my account in XXXX because I was curious about previous charges, I discovered that autopay had removed my information since Brooks Brothers had received notification that my old account was closed. Their system mistakenly removed my new autopay information. I called up Brooks Brothers who informed me that a filing would be made to remove this delinquent payment from my credit report history. It has now been three months and my credit score has dropped precipitously from the time this occurred. I have lost XXXX points of credit rating which will affect my finances for decades. I would like this delinquent credit report removed from my 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 2016-03-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Got a Citi Card back in 2007 and they have been charging me for credit protection fees. Called and cancelled and asked that the credit my account all of the charges that they have been charging me for the service. They stated that they will cancel the service however, cant guarantee that I would be issued a credit for them charging me all of those years. I need help with getting them to refund my card all of those charges since 2007. I have been reading articles showing that Citi bank is supposed to be refunding their customers for fees for services like that. Can you please help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I made my payment to my Citibank MC on the due date of XXXX XXXX, 2016 through the phone system and received a confirmation number of XXXX. However, I was very surprised when I called to make my payment on XXXX XXXX, 2016 to find out I was charged a late fee of {$25.00} for my payment on XXXX XXXX, 2016. I called and the Agent told me the payment was received on XXXX XXXX, 2016 and not on XXXX XXXX, 2016. I told him I received a confirmation that the payment was made on the due date of XXXX XXXX, 2016. As I usually make my payment on the phone system the XXXX of every month.

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 2016-02-18 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Sears posted a message in our online account that we should activate our new cards. We called to let them know we had not received them. The representative indicated she would mail out new ones, and we received them within a few days. We just discovered they hit our credit report with a hard inquiry on the day that we called and it shows as an " application for new credit '' on our credit report. We have to explain this false statement ( our account with them has been open since 1986 ) in order to co-sign a mortgage note for our son. Sears/CBNA needs to train their staff to be compliant with FRCA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX was hired to do work on property damage for insured XXXX XXXX and XXXX XXXX. After completion of the job XXXX XXXX, based on our estimate and invoice paid {$14000.00}. The check was mailed to XXXX at XXXX XXXX XXXX XXXX XXXX XXXX made payable to XXXX, XXXX XXXX, XXXX XXXX and CitiMortgage. When I received the check I sent it to the homeowner who in turn signed and returned it to us. I stamped the check which is a requirement of the bank and sent it to the bank for endorsement. After four months of trying to get paid CitiMortgage will not speak to me about the check because XXXX is not on the loan. XXXX XXXX has sent me a copy of the cancelled check which CitiMortgage cashed on XXXX XXXX, 2015. I have since learned that the homeowner is in foreclosure. I will send all of the supporting documents that were sent to state farm in order for us to be paid. The work was done and XXXX was paid, however, CitiMortgage took the money. I would greatly appreciate your help in getting payment for work that has been done over four months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I am XXXX of those mistreated borrowers by Green Tree Servicing and its agent XXXX in the State of California. I was threatened, yelled and cursed at with garnished wages, arrest, called a liar and a dead beat. My loan debt was fabricated and was falsely misrepresented. Denied verification and my employer and fellow workers were notified about my loan status. My credit was ruined and I was forced into foreclosure and bankruptcy. This has been an never ending nightmare! 

Since the beginning that Green Tree ( XXXX XXXX ) alleged that my mortgage loan was in arrears and in distress, I have disputed Green Tree 's claim of missed mortgage payments or that my loan was in arrears or distress. 

I disputed in access of XXXX letters, emails and phone calls to Green Tree and XXXX XXXX allegations in XXXX of XXXX that my mortgage loan was in arrears in the amount of XXXX dollars or that my mortgage account was in arrears or distress. I was denied by Green Tree and its agent XXXX XXXX any remedy of an account by written itemization, complete audit or face to face meetings as required by law in the State of California. 


Whereas my contact person, an employee authorized by Green Tree Services with an office in the state of California, acknowledged that after conducting an internal audit in XXXX XXXX, XXXX XXXX and XXXX of XXXX, agreed that my loan was not in arrears or distress. She could not understand why her supervisors refused to authorize any written itemizations or audits of any alleged missing monthly mortgage loan payments. She further stated that she was not authorized to update or service my account. She also conveyed to her supervisors that I wanted a face to face meeting with Green Tree Services and XXXX XXXX. 

Whereas a XXXX XXXX Supervisor requested written verification directly from the vice president of Green Tree Servicing. The request to the Vice President took place in XXXX of XXXX, after she became aware of disputed issues that were proven to be false with valid cashed checks from XXXX Bank issued to Green Tree Services. I was promised by that XXXX supervisor that a written itemized statement showing first missed payments and any additional missed payments would be provided before any further foreclosure proceeding took place. When the final foreclosure proceeding took place in XXXX of XXXX, and after repeated emails and phone calls to the XXXX Supervisor that were not answered or returned, I was in fact not given any such written itemized audits from Green Tree Services on how they determined that I owed {$32000.00} dollars and denied any opportunity for a face to face meeting to mitigate my mortgage loan that was being serviced by Green Tree Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation