vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Dear CFPB Staff, I have citibank Credit Card for more than several years with credit limit of {$7000.00}. Last XXXX 2016, I made a minimum payment as {$180.00}, then on XXXX, XXXX 2016, I made another payment of entire balance of {$6800.00}. That will pay off the balance, then I closed my account. On XXXX, XXXX 2016 I called in to talk with Citibank representative to make sure my account pay off and close. However Citibank staff told me I needed to pay the last interest charge of {$24.00}. I then paid anther payment of {$24.00}. 
As single Mom with XXXX kids, I worked hard to take care a lot of thing, surprisingly I got the email from Citibank again and asked me to pay another {$31.00} dollars. They told me because I still owed them {$0.00} ( XXXX cents ) and I did not pay them therefore I charged me for late charge and other thing. I then decided to pay them {$31.00} on XXXX, XXXX 2016. I did call in to dispute but everything talking to them it took me more than 45 minutes, I then decided to pay them {$31.00}, but this month XXXX they billed me another {$31.00} they told me because they charged me late fee again ... I have no clue why this big Bank abused the law and overcharge and rob the poor us citizen like me. 
It is not big money but it is a against the law and why the big bank continues to cheat and steal the money from poor Citizens. I am please to ask your help to investigate this illegal overcharge the consumers and steal money from people. Since the account has been closed, I do not have a full credit card numbers. I Only have the last four digits of the card. Therefore, I provide you my ss # XXXX XXXX. This is not big money but it is against the laws and it needs to be stopped sooner rather than later otherwise Citi bank will continue to abuse the laws and use illegal business practice to steal and cheat consumers. 
This is my credit card information Citi Forward-XXXX. 
My name : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX my debit card information was stolen and someone racked up about {$2000.00} worth of charges on MY CITIBANK checking account. when I went into the bank and explained my situation to the banker they told me they would investigate and my money would be refunded within 7 to 10 days. I went back to the bank weeks later and still no refund. I spoke with a representative from Citibank and she told me they sent me a letter in the mail that I never received that stated they were denying my claim and were n't going to refund my money to my account because it appears i racked up charges myself, she told me I needed to file a Police report and there 's nothing she can do. So I filed my Police report like she told me with an officer named XXXX, XXXX. in his report he states that he received survailance from one of the ATM 'S i had claimed to never been to before and found that somebody else was in fact at the ATM using my information. I went back to CITIBANK to submit the police report. the woman helping me told me that while they were investigating again the would send me " provisions ''. I never received any provisions. and on XX/XX/XXXX CITIBANK sent me XXXX letter in the mail stating they were deny my claim again. Im running out of options I hope your company can get me my hard earned much needed funds back. 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 2015-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cooper Hoffman Klein Associates
State: MI

Complaint narrative:
I have a relative-by-marriage who apparently has some sort of debt. I have not spoken to her in 5 years and do not have a way to contact her. And yet somehow a debt collection agency ( though it may very well be a SCAM ) has gotten my phone number and for over a year has been calling me at least once a month with automated messages ( from more than XXXX phone number ), saying they are trying to reach my relative to serve her with collection papers. I have tried to tell them that I am not her and do not have a way to reach her, but they still contact me. I tried to download Call Blocking apps on my smartphone ( as they are calling my cell number ), but they are n't very effective and just auto-disconnect the call when I try to answer to tell them to stop calling me, but do n't stop the calls from coming through. I have also text-responded to these phone numbers with the same message, but I am still being harrassed. Now it is to the point where they have called me 9 TIMES IN THE PAST 3 WEEKS. Two weeks in a row, they called me 3 days in a row, from the number XXXX XXXX XXXX XXXX. XXXX this number shows that it is WIDELY reported to be a scam number, FAKE debt collection agency XXXX XXXX -- XXXX ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Hi cfpb, I am not responsible for this debt to Home Depot, why is it on my report? I never had a credit card with Home Depot, my husband and his son did in 2007 and my husband closed the account due to his son not paying for this card like he said he would. His son should be held responsible for it not my husband who is legally XXXX in 2007 and had to close this account. 
I never signed anything with Home Depot or anyone else for that credit card. Not mine and should be removed from my report. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-04 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX XXXX claims they have transferred a Costco Credit Card I had with them to Citibank. But I never applied for a credit card from CitiBank. 
This creates XXXX problems : 1 ) XXXX XXXX refuses to acknowledge my old Costco Credit Card account and let me download my transactions 2 ) XXXX claims I now have a new credit card with a bank/issuer that I never asked for an account with. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to report a problem with Costco Anywhere Visa Card by Citi. Citi issued the card automatically because I had a Costco membership account. However, I have not been to Costco for over two years. I called the number in the back of the card XX/XX/XXXX to request the cancellation. The representative told me that she put in the request right then and I was all set. Yet I am still receiving bills and now this enclosed letter showing that my account has not been cancelled and that I owe money on the account for the yearly Costco membership fee. I never applied for the card, never used the card. I sent a letter to Citi on XX/XX/2016 requesting my account be closed and the outstanding balance be cancelled. I still got an email this morning from Citi telling me to pay the balance to avoid penalty fees. I am deeply disappointed in the customer service of Citibank. I hope CFPB will help me put an end to the outstanding balance of this credit card account, and that this account will be closed for good.

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 2016-04-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macy 's fraud department contacted me in XXXX to verify certain suspicious online purchases made using my Macy 's credit card information. I disputed the purchases and subsequently submitted a written statement to the fraud department. The investigation is ongoing. Nevertheless, Macy 's submitted delinquent payment information to the credit bureaus.

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 2016-05-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX/XXXX/16, Citibank charged ( and debited my checking account ) a low balance fee and overdraft fee totaling {$59.00} on a savings account with a {$0.00} balance that I requested to be closed. I had requested the account be closed in XXXX or XXXX 2016. I had the same problem on XXXX/XXXX/16 when Citibank charged the same {$59.00} low balance fee and overdraft fee. I was able to get the XXXX fees reimbursed after a long phone call that had to escalate to a manager. No fees should have been charged as I have now requested this account to be closed twice.

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 2016-04-13 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened up a Sears Citibank MasterCard XX/XX/XXXX because a Sears Representative encouraged me to do that to get a {$15.00} discount on a jacket I was purchasing. I was one day late paying the outstanding balance of {$76.00} and a did n't realize a {$29.00} late fee was smacked on until my next account Statement. My husband contacted Customer Service on XXXX XXXX, 2016 and they said they would reverse the late fee payment if I called in. Due to some personal life crisis, I did not get a chance to call until today, XXXX XXXX, 2016. I was astonished to find out that my account balance now has another late fee of {$29.00} that was tacked on XXXX XXXX, 2016. I asked them to waive XXXX late fees since they were honest mistakes but the customer service rep said that I had to pay the outstanding balance of the XXXX late fee charges to do that, which made no sense to me at all. I asked to speak to a manager and the manager was no help at all. She said she could waive XXXX late fee but I had to pay the other late fee in order for her to do that. It was an awful conversation and the worst customer service experience I 've ever had in my life. At this point I feel like I am forced to pay the late fees or Citibank will keep adding on late fees and profit from this. Out of principle and to protect other customers, I am filing this complaint in hopes that Citibank will discontinue this unconscionable practice of adding these excessive and aggressive late fee charges. My credit is excellent and I wish that I had a better experience with Citibank. After my phone call with their Customer Service Department today, I want to have nothing to do with Citibank ever again except to have them do the right thing, which is to waive the XXXX 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 2016-03-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My husband was unemployed for two and a half years. I was unable to pay credit card bills at the time. Paying mortgage and providing food for my family was the priority. I offered to make payment arrangements but, what they were requesting was in excess of {$200.00} per month which I explained was n't affordable as I was the only one working in a household of XXXX people. This company sought legal action, put a lien on my house and froze my bank account. They debited amounts of a little over XXXX and XXXX XXXX dollars on two occasions and put a freeze on the same amount twice. I had to go to the bank on several occasions and take time off of work to resolve this error over the course of more than one week. The funds they debited were my mortgage funds which put me further in arrears and caused me extreme financial hardship. I contacted them regarding a settlement on a few occasions and they refuse stating since they have a lien on my house so they do n't have to make a settlement arrangement. They are also unwilling to set up a reasonable payment arrangement. I am going to be out of work soon as my company lost their contract and I explained this to them. They are unrelenting and uncooperative.

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 2016-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Mortgage keeps denying my mortgage application ( via XXXX ). They use factually incorrect appraisals, deem legal properties 'illegal ' despite meeting all city and state building standards, and make dozens of trivial requests for additional information ( ie. a XXXX from a XXXX job from 2014, for which I am not even using as part of my income qualification ), and require 'repairs ' for things which meet both local and state building codes. Also, denying me due process by frequently going past deadlines for decisions. I have lost out on 3 houses and lost my apartment due to XXXX. They will not process loans in a timely manor and let sales contracts expire. Living out of a suitcase with all my possessions in storage, waiting on ANOTHER closing date. They messed up my last loan application so badly that they needed to create a new loan number, and are currently putting me through the wringer a second time, on the same house. The same move in ready house with the same income 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 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank held a promotion to give away XXXX XXXX miles for opening up a CitiGold checking account in which i did as long as i met the requirements of 2 bill payments and to spend {$1000.00} within the 60 days from when the account is opened with the promotional code ( which was XXXX ). i met those requirements and even confirmed with Citibank to make sure i met those requirements and to see if i was missing anything else. I was told that i met all requirements and that i shall be receiving my promotional offer no longer than XXXX/XXXX/2016. i have messaged Citibank numerous times, and even opened up cases where results have said that i will be given the promotional offer within 10 days and so but still yet nothing! Also my checking account requires $ XXXX monthly fee which is outrages. They are not keeping their words and i had no choice but to contact you guys. I hope you can help me solve this problem and if possible return some of the monthly fees i was charged for having to wait almost 2 months now.

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 2016-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
We are trying to request a short sale with Citi and they have not responded in over a month. All the requested items have been provided ( XXXX ) and we have an offer that meets the VA short sale required XXXX. I have been experiencing issues with Citi and their delayed responses.

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 2016-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I signed up a CITIGOLD account using the offer code XXXX for XXXX XXXX XXXX miles around XXXX/XXXX/2016. I have complete the requirement to earn the reward, which is one bill pay in two consecutive months and make {$1000.00} in debit card purchases within 60-days as well. However, due to recent data points online that a lot people are receiving the indicated bonus, I contacted CITI, which they refused to honor the deal.

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 2015-08-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I purchased merchandise from Macy's.com and paid using my Macy 's credit card. After inspecting the merchandise, I returned it, requesting a store credit. The return was made within the correct time frame. Instead of Macy 's issuing a complete refund, I recieved to gift cards in the mail equaling to that amount. I called them and requested that my account be refunded, and they said i should discard the gift cards as it was sent out by mistake and they will issue me a full refund. When the next billing cycle came, I saw that I still had a pending balance. I called the credit again and after XXXX hours on the phone with them, I was told that my balance was now {$0.00}. My bill just came in yesterday. And I have a {$75.00} balance. That was the amount of the second gift card which i no longer have. I tried speaking to many representatives with the credit card but to no avail. They refuse to remove the balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank has upped the interest rate to 27.9 % on my credit card. Despite several calls speaking to several people and despite extremely low market rate and despite the fact that we have been loyal customers for years, they still refuse to lower the rate. We understand that we have been late for more than a few days a time or XXXX but we have never not paid at least the minimum balance due. Many times making a payment more than the minimum balance. This interest rate is predatory for consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XX/XX/XXXX, I noticed fraudulent charges on my CitiBank credit card account, and called to dispute charges and cancel the account. The dispute was resolved successfully, and they issued me a new card. I paid the credit card balance in full, and within days of receiving the new card, I noticed an additional fraudulent charge in the amount of {$67.00} under the new account number ( I had never used the new card or made any purchases ). The charge was for a ride sharing service in California ; I live in Ohio and have not been to California. I immediately called to report the charge and cancel the account ( XX/XX/XXXX ). They informed me that I would not be held responsible for the additional charge. It is now XX/XX/2016 and the charge remains on my account and I have not received any information from Citibank.

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 2016-08-02 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I missed a payment and was assessed a late fee and interest charge to my credit card account by Citibank. Currently, I have a family member with an illness. I apologize for any inconvenience but would like to remain a loyal customer of Citibank and Citi credit cards. I have been a loyal cardholder for 6 years and have made a mistake and it will not happen again. To ensure this, I have authorized Citibank to make a withdrawal from my account every month on the statement due date on the occasion that I do not proactively manage a 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 explanation