vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-21 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
CITI double cash card lied and they will not fix the account. They are charging interest on a card that is supposed to be 0 % on purchases and transfers, but they are trying to say it is only transfers. It is clear on the offer it is both, and I want my interest fees refunded.

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 2016-06-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
We received a letter from Macys regarding a purchase on our credit card that neither one of us made. Good news is Macy 's declined the purchase so account was not charged. Instructions indicated to call Macy 's which I did and spoke to XXXX who could not or would not provide details about the purchase other than the attempt was made on XX/XX/XXXX but could not be completed. I asked if our account was hacked and the response was yes. I asked if there was an announcement about the hacking and response was no. Thought all hacks had to be reported. Account was closed at my request.

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 2016-08-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I APPLIED FOR A BEST BUY CREDIT CARD WITH A LIMIT OF {$4000.00}. I WAS THEN GIVEN PAYMENT TERM OF 48 MNTS WITH 11.9 % APR OR 24 MNTS WITH 0 %. A BEST BUY REPRESENTATIVE ASSISTED ME AND ACCIDENTALLY SIGNED ME UP WITH THE 48 MNT PAYMENT TERM WHERE I WILL BE PAYING 11.9 % INTEREST ON PAYMENTS WHICH I WAS UNAWARE OF. I SPECIFICALLY ASKED THE INDIVIDUAL FOR THE 24 MNT PAYMENT TERM. ALL OF MY PAYMENTS ARE CONSISTENT WITH A PAYMENT TERM OF 24 MNTS OR LESS. I WILL THEREFORE BE PAYING INTEREST IN EXCESS OF {$500.00}. I HAVE BEEN GOING INTO BEST BUY AND ASKING THEM TO CHANGE MY TERM AND THEY ARE SAYING THAT THEY CAN NOT DO IT. I ASKED CITI BANK TO DO THE SAME AND THEY ARE SAYING THAT THEY ARE UNABLE TO CHANGE THAT INFORMATION. I AM NOW OUT OF OPTIONS

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 2015-12-23 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:
Refusal by Macy 's and representative Citibank to provide sufficient information to allow debt repayment. 

I have been attempting to make arrangements for payment of a debt I owe through XXXX Debt Consolidation Agency. Macy 's has changed their account number system and has rejected all proposals because of either " not enough information '' or " invalid Account Number ''. I am attaching the denial notices issued to XXXX. 

I am unable to reach Macy 's Credit Department, serviced through Citibank to obtain sufficient information to either make arrangements to pay this debt or for XXXX XXXX to submit a letter of proposal. The offices are only open from XXXX - XXXX and every time I call, I am disconnected. ( See attached for further explanation )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
i was told repeatably this item will remove ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My credit card was used to make a purchase at Macy 's store number # XXXX. The initial attempt of $ XXXX was declined. The XXXX attempt of {$80.00} was approved. My bank alerted me of this and canceled my card. My fiance 's debit card was also compromised and she 's handling this with her bank. The only location we used our cards in the same place was in the XXXX XXXX in XXXX, GA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Around the XXXX of XXXX XXXX I contacted Bloomingdale 's Credit Card Services ( XXXX ) to verify my account limit. After inputting my card number and other identifying information I was advised that my credit limit was {$2000.00}. I actually thought that my limit was much higher than that. About 5 days later I received a letter from Bloomingdale 's dated XXXX XXXX XXXX stating : " Why we 're writing you It 's been a pleasure to have you as Bloomingdale 's Credit Card customer and to serve your credit needs. We are sorry to hear that you no longer wish to keep your account. As you requested, we have closed your Bloomingdale 's Credit Card account. '' After reading the letter I immediately called Bloomingdale 's at XXXX on XXXX XXXX XXXX to advise that I never requested to have my account closed. The Bloomingdale 's representative indicated that my account was closed in XXXX XXXX which was a surprise to me because around XXXX XXXX XXXX I was informed I had a {$2000.00} credit limit! 
I requested that my account be re-opened because their letter falsely accuses me of requesting a closure of my account. The representative then transferred me to her supervisor. I then re-iterated my concerns to the supervisor at Bloomingdale 's Credit Card Services again stating that I never requested to have my account closed and just a week earlier I was informed that I had a {$2000.00} limit. I also indicated that the Fair Credit Reporting Act and the Fair Debt Collection Practices Act affords me the right to receive an " adverse action '' letter from a creditor if they took an adverse action against me. I did not receive such a letter in XXXX XXXX stating my account would be closed and I did not request to have my account closed in XXXX XXXX. I then requested that the supervisor re-instate my account and she advised that she would have to transfer me to yet another department that could handle that request. I was placed on hold and then a gentleman came on the line, I greeted him and after several " Hellos '' he did not respond anymore so I disconnected the call. 
I am very concerned about my credit reports and my credit scores being adversely affected by the closure of a 7 year old account with Bloomingdale 's which was in perfect standing and for no reason of my own. Also, it seem peculiar that the gentleman in the Bloomingdale 's credit department would not respond after coming on the line and has not called me back to discuss the 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 2015-11-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I recently took extensive efforts to clean up my credit report in the intent of needing to apply for a loan to build a home. I used my free annual credit check. I recently received free credit monitoring provide by the XXXX as my name was involved in the XXXX XXXX. I had a XXXX Credit Card issued by Citibank, Acct XXXX. My credit was sold and transferred to XXXX, XXXX XXXX XXXX XXXX, several months ago. Both XXXX and XXXX both showed I had XXXX accounts open Citibank and XXXX. The transferred account was never closed or transfered. Although not of significant impact to my FICO, it was counter productive to all the work I just did to get my report correct. I did not participate in the negotiations involved in change banks to support my borrowing/credit needs however the consumer should not be impacted negatively when XXXX banks get together and your information/business is sold. The CFPB should actively monitor who should have done what to whom in this case so consumers are not negatively impacted by financial transactions when their information is sold and when the consumer is not personally involved in the transfer. Who is accountable to make sure all three reporting agencies are aware the credit was transferred??? It is too scary that this activity can occur without repercussions or analysis on the frequency of occurrence. All XXXX would say is that you have to fix this. They are " XXXX party '' in this transaction. Actually I am XXXX party in the deal to buy my credit! Why are financial institutions not accountable for not reporting the transaction??? This same thing just occurred when my mortgage was sold. This latency issue has significantly affected my credit score. It has been three months since the transfer of my mortgage and XXXX still shows I have XXXX mortgages on my home, XXXX with XXXX and another on with XXXX. Who should be accountable???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
this has been an account from this company that is being reported but was a result from identity theft my identity was stolen and used to establish this account butr yet they still have this account as mine when i have sent information that it is not mine police report affidavit with a denial of any benefit i just dont know what to do at this point but this needs to be deleted from my credit file immediately and closed in all of their offices

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
After an initially delightful and responsive initial period, Citibank reneged on their written promises and confirmations. I will never get a loan from Citibank nor would I ever recommend getting a mortgage loan from them. 

Earlier this year, we found a condo that we fell in love with and made an offer. After getting our mortgage shopping done, we chose Citibank because they offered us an initial rate of 3.375 %, which was fantastical and better than the rate we could get at our own bank. 

Signing a contract for 90 days after getting our pre-approval, we were ready to close and move in. From the moment underwriting began, it became a nightmare. The amount of documentation required kept ballooning again and again with each time the lender assuring us that we were complete. 

After weeks of this, Citibank 's attorneys then caused even more delays, which my attorney fixed in fifteen minutes of writing an indemnification letter. At this point, our purchase agreement had long since expired, and it was only by the kindness of the sellers that we were able to keep our considerable escrow deposit. I had multiple written assurances from the bank that the rate would be locked in at 3.375 %. 

With underwriting complete, we set a close date. Just a week and a half before the close of the property, we received an email from Citibank -- a day after they had confirmed our original interest rate -- that they were going to hike the interest up to 3.5 %. They did this because they had to pull my credit report again causing my score to drop. This hard inquiry was completed WITHOUT my permission and WITHOUT notice. 

After several days of protestations, I spoke with the VP of lending at the bank, who said there was nothing he could do. I could either pay XXXX more dollars in discount points or risk losing my XXXX of dollars in escrow by going to another lender. This was simply extortion. I was left with literally no acceptable options. 

We reluctantly agreed to pay the discount points and closed just days later, but I will never get a loan or recommend Citibank for another mortgage. They do NOT keep their written word or deal in good faith.

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 2015-06-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
While flying on a XXXX XXXX ( now XXXX XXXX ) flight, I was offered a Citi credit card with several benefits including Group XXXX boarding and XXXX bonus miles. I applied and received the card but did not get the Group XXXX boarding I was promised. I tried to call XXXX XXXX but was put XXXX hold for a full hour before I gave up. I 'm writing to the CFPB because this is a Citi Credit Card - Citi gets the any interest and fee income from the card. I believe Citi ultimately is responsible for this false advertising and deceptive practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Financial Asset Management Systems Inc
State: IL

Complaint narrative:
Financial Asset Management Systems sent the attached letter to the payroll department of my employer. The letter included information regarding intent to garnish my wages, and the amount of the debt FAMS is seeking to collect. They allege the debt results from a defaulted student loan, but all of my student loans were consolidated and are in good standing. I have no defaults on any loan of any type on my credit history. 

FAMS has never made contact with me about this debt, the only contact I 've ever had with them is via the impermissible letter they sent my employer. The letter has caused me significant embarrassment and 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 non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank , NA has erroneously and drastically reduced my credit limit to my credit card ending in XXXX, the credit limit has essentially been reduced to zero as the new limit is the balance of my account, severely impacting my balance to availability ratio. Citibank sent me a letter informing me of this decision on XXXX/XXXX/16 stating due to a delinquency I have with another creditor, they have reduced said credit line. They did not specify with whom I have this said delinquency with and when I called their customer support, they could not tell me where said delinquency was originating from and simply said it was based on my XXXX credit report. I have viewed my credit report from all XXXX bureaus and I do not see any delinquencies. In the past 10 years, I have never had ANY delinquencies of any form with any of my creditors, and in the years I 've had my Citibank credit card, I have never made a late payment. I have always made a diligent effort to maintain my credit standing to the highest level possible so it came to me as a surprise when I was informed of Citibank 's decision. When speaking with their representatives XXXX ( employee ID XXXX ) and his Supervisor XXXX ( employee ID XXXX ), I was told they would not reinstate my credit limit to it 's original amount, and the only way I would be reconsidered for reinstatement would be for me to request a credit increase through " Customer Service '' which would result in a " hard pull '' inquiry, resulting in additional damage to my credit reports. I do not have any delinquencies on any of my credit reports, and Citibank 's decision to revoke my credit line has drastically tarnished my credit. I wish to understand why they have made this decision as I do not have a delinquent account with any creditor and their unwillingness to correct their wrong doing has caused me great 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 2016-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, I had a checking account at Citi and have a credit card. I opened my online account to monitor my credit card account first, then linked the checking account. Later, I closed my checking account. When I logged in my online account, they removed my credit card account access. I was not informed ever that I would not be able to access my credit card thru online account if I close the checking account. There are so many cyber crimes. Daily monitoring of credit card is very important. How the large bank makes such a unreasonable act. Closing checking account make impossible to access the other credit card information without any disclosure. They should not make such block or at worst it should be disclosed.

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 2016-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Let me be clear. I have paid all my mortgage payments in full, to date. I bought my home in XXXX and immediately set up automatic direct debit every XXXX of the month to the mortgage company, XXXX XXXX. Sometime in XXXX, my loan was sold to Citibank, who expected a XXXX payment. I immediately contacted Citi, who assured me they would recover the funds from the previous lender. When this did not occur, I contacted XXXX XXXX, and was told the date, amount and tracking number of the wire transfer. I called Citibank, but still nothing. I made a very long conference call with the two, ( XXXX from Citi and XXXX XXXX from XXXX XXXX ). The Citi rep recorded the info of the transaction. XXXX also sent the info. Still nothing. Citi told me to fax my bank statement. They must have given me the wrong number as I spent about an hour faxing to a bad number. I repeatedly called Citi, which is always very time consuming and sometimes even impossible to connect. On one occasion, they informed me they had found some of my mortgage payment, but not all, and therefore would apply none. ( They would have never revealed this info, if I had n't asked ). Becoming increasingly aggravated, I told them, recovering the rest of this payment and the associated discrepancies is beyond my ability. I merely pay my bills and as I had no control over this transaction, Citi will have to find my money. I have helped as much as I can. Rather than directing their energies to finding the mortgage payment I made on XXXX XXXX, they have instead chosen to harass and threaten me. They call me at work, on vacation, ( verbally abusive ) send me threatening letters, to foreclose on my home, damage my credit rating, which would seriously jeopardize my job. I have spent so much time trying to solve what I consider their problem, and now they expect me to take time from work to meet them. I called a local branch to try to set up a meeting but was unable to get through. If there is a problem with XXXX XXXX, why am I in the middle? It 's not my field, I 've told them, repeatedly. They bought the loan and the associated payments. My job is very important to me, and right now I am way too bogged down, to get further involved in and stressed out correcting Citi 's incompetency and misconduct. In fact, when I do have time, I will look into getting this note into the hands of a more professional and respectful lender. ( By the way, the missing money amounts to about {$250.00}, which really does not justify Citi 's hostile behavior. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I disputed a charge on my Citibank Visa for an service which was not delivered ( the business closed and the owner left town ). Citi applied a temporary credit and requested my affidavit and additional information. I sent the additional information to Citi via USPS within 24 hours of the request. The information included both a hard copy of and URL to a news article published that day about the business 's closing. 

Since the request, I received no fewer than XXXX notices asking for the information I had already sent. Each and every time, I called Citi immediately ( within 12 hours of receiving the communication ). Each time, the Citi representative looked at my dispute, saw the evidence which I had already sent, and said I should do nothing else. 

Eventually, I got a notice that the dispute was about to be closed because I had n't sent in supporting documentation. I escalated to a claims specialist, XXXX, and she, too, assured me that they had everything they needed and that I should do nothing. 

Then the chargeback was reversed and I received a final disposition letter, indicating that I had n't sent the requested information. I finally spoke to XXXX in the Citicard " Office of the President '' who indicated that she would fix the problem and call me back by today, XXXX XXXX. XXXX has not returned the call as promised, and the chargeback is still reversed.

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 2015-12-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XXXX 2012 we charged The Home Depot card for kitchen redo. Set up auto payments from account that had more than enough money to pay off total amount ( account not used for anything else ). Went fine for a few months, then got notice of late payment. Money all still in acct, THD/CBNA did not pull the XXXX payment, showed us as 30 days late -- we argued it was their fault, not ours. They agreed to fix on credit report. We talk to them numerous times a year and they claim they fixed it back in 2012. Credit bureaus have no record of anything from THD/CBNA stating it should read XXXX late payments. 
We are sick and tired of calling credit bureau, calling THD/CBNA back and forth for 3 1/2 years and it still not corrected. Credit bureau says has never gotten word from THD/CBNA to correct, THD/CBNA says they have sent it numerous times since 2012. PLEASE HELP! We have perfect credit except for this false information. We have also asked THD/CBNA to send us copies of the letters they send to credit bureaus -- we have been told " we do n't send letters to customer '' to " we have sent to you each time ''. We have NEVER received ANY communication about correcting this false report. They ( credit bureau AND THD/CBNA ) have asked us to send letters describing problem, and we have - numerous times- with still no luck.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief