vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-25 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Sears mastercard credit card services provided balance transfers at 0 % until XX/XX/XXXX, they only had one place on info that stated they are charging a fee vs interest on paperwork. This was misleading, so in fact they are getting there interest up front. There topic in bold larger letters states, YOU COULD SAVE ON INTEREST BY TRANSFERRING HIGH BALANCES. 
Checks should state that you agree to rates provided. I have used there checks before without this fee provision. 
Please advise

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
I opened my CitiGold checking account XX/XX/2016. I signed up for it because I saw a bonus promotion that promised XXXX citi thank you points miles would my account. To receive the bonus, I was supposed to make a least one bill payment per month for two consecutive months within 60 days of opening the account. After I completed these requirements, I asked Citi customer support when I could expect to receive the promised points. I received a response that contained this : " Upon review of your account ending XXXX, I can confirm that you were not targeted for any promotions for the opening of your account. If you have the flyer that is addressed to you with the terms and conditions of the promotion. I apologize for the inconvenience. " In this message I was told I would receive the points because I was not targeted. There was no mention of targeted offers when opening the account. I met the terms of this offer and Citi should meet the requirements and award me the points.

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 2016-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The bank agreed to a shortsale. The value they want is not realistic and is not giving me a fair chance a short selling my home. The bank keeps delaying the process and the values in the area have gone down since the appraisal. The foreclosure sale scheduled for XXXX XXXX was cancelled but the Judge would only reset the same to XXXX XXXX, XXXX reasoning that it was plenty of time to close and Plaintiff 's counsel ( although there was a short sale approval ) still objected to the sale being extended any longer. They wanted it sooner, even though the short sale department has agreed to stop the foreclosure. They are purposely delaying the short sale so they can take back the house. I 've been fighting with them for a modification since XXXX and we all finally agreed to the short sale. It is obvious that this wo n't close by XXXX XXXX as the prospective buyer is involved in a value dispute with the bank.

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 2016-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened up a Citigold checking account with a promotion of XXXX XXXX XXXX miles. The code for the promotion was given to me by a Citi chat representative and I confirmed with Citi that the code was properly applied to my account. They replied and ensured me that as long as I meet some spending requirements, I would receive the miles within a certain period of time. After completing the spending requirements, I contacted Citi to confirm that all the requirements for the promotion were completed and at this point, the representative informed me that it was a targeted offer that I was not supposed to receive.

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 2015-06-22 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
When we were in XXXX, a vendor accidentally XXXX billed a charge of XXXX XXXX, They issued a credit the same date, XXXX/XXXX/15. 
Unfortunately the XXXX charges ( same day ) were billed at different exchange rates and were billed US {$23.00} and US {$22.00}, but the credit ( same day ) was for US {$22.00}. 
When I questioned Citibank they were unable to assist me and explain how XXXX transactions were for different amounts on the same day, they told me to refer to XXXX XXXX XXXX. Does the XXXX XXXX XXXX exchange rate vary by minute? This appears fishy to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-19 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
CITI card system failed to withdraw money from my payment account and resulted return check fee. The payment account info was correct and had enough money. CITI failed to explain what happened and refused to refund the fee that was incurred because of their system failure.

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 2016-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citi mortgage drafted my account for two mortgage payments at once. They refused to reverse the transaction ... they refused to research the issusue ... XXXX ( XXXX ) talked over me and tried to hang up Several times without help .... they have giving me different info from different reps and the reps do n't follow through and they make it hard to get a refund.. to date I have received no refund of my XXXX dollars

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 2016-04-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a consumer credit card with The Home Depot which has a deferred interest purchase that is due for {$340.00} which is due before XXXX/XXXX/2016, I paid the full amount of {$340.00} and they took {$110.00} for a minimum payment for the pay period. I called today to ask to pay the {$110.00} that they took for the minimum and they are trying to require me to another minimum of {$110.00} that is not due until XXXX/XXXX/2016. I am asking to pay the {$110.00} now and the {$110.00} before the due date of XXXX/XXXX/2016 and they are refusing. i authorized payment of {$110.00} but they took a payment for {$110.00} which was incorrect and I asked for them to cancel it and they refused to credit it back to 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 non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had an account with Citibank. The account was closed and paid to a {$0.00} balance. Unknown to me - Citibank reopened the account to accept charges from the XXXX. The account was again brought to {$0.00} and closed again with instructions to never reopen it. 

Without my permission - the account has been reopened and several hundred dollars of fees are applied to the account - but Citibank can not produce any purchases

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 2016-03-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A reservation was made through XXXX for a hotel in XXXX XXXX XXXX. Following procedure, I checked out of the hotel after a ( 1 ) one day stay with the understanding that I will only be charged for a ( 2 ) two day stay.

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 2016-08-26 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Please combine this with XXXX or delete that complaint so citi is not getting XXXX complaints for this. I am not able to update XXXX so I 'm filing a 2nd complaint. 
I realized the issue, it turns out there was an unauthorized transaction from my checking account and the electronic payment of {$1300.00} that I submitted XXXX/XXXX/16 was then returned. 
I will say the fee description of returned check is confusing, I did n't send a " check '' that was returned. Also, I read through the terms and conditions again and no where does it say when making a payment that you 'll submit the payment numerous times if it does not clear. I have {$90.00} in fees from my bank because you 've already submitted it 3 times. That is clearly misleading and even if you sneak the ability to attempt to pull the payment over and over again into other disclaimer language somewhere, it 's certainly not provided when making a payment. Hence, I did not expressly authorize it. XXXX concern? I think so.

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

Complaint narrative:
I have been a long-time Citibank customer since XX/XX/XXXX. 

I completed the Citibank offer for a Citigold Checking account, promo XXXX, for XXXX XXXX XXXX miles by XXXX/XXXX/XXXX. This was my first time using Citibank as a checking account bank, rather than just a credit card, so I was hoping that Citi would end up being the bank for me, and that we could both gain from this financial relationship. 

After completing the spending requirement by XX/XX/XXXX, a Citibank representative, XXXX XXXX, told me, in writing, on XXXX XXXX, XXXX, to expect the XXXX XXXX points to be deposited within 90 days of XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, after hearing buzz that Citibank was not honoring the offer or needed further escalation, I sent another email to Citibank checking on the status of my miles. 

Another Citibank representative, XXXX XXXX, sent me a secure message stating " records confirm you met all the requirements for promotion code XXXX. '' She also confirmed, " Once your 90 day waiting period is complete, the bonus miles will be applied on the next statement billing which will be no later than XX/XX/XXXX statement. '' After the miles did not post XX/XX/XXXX, I emailed Citibank again, only to be told by yet another representative, XXXX XXXX, that I now have to wait till XXXX XXXX, XXXX for the miles to post, without much explanation as to why Citibank or XXXX were delaying the posting of my miles. 

I have all of these correspondences. At this point, we are approaching a second deadline, and I am out {$90.00} in terms of account fees for the XXXX checking account. The fees started in XXXX XXXX. I believe this is a financial scam at worst, and a bait and switch tactic in the least, which makes it illegal. 

Please feel free to contact me, and use the evidence I am submitting for class litigation action purposes, or for evidence in any manner deemed fit.

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 2016-10-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Capital one and XXXX XXXX sold my account to a debt collection and their still reporting to the 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 explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Creditor closed account without warning due to period of inactivity. 
I do n't use the card often. The closed account appeared on my credit report and adversely affects my credit rating. The creditor should have advised me that failure to use the card would result in the account being closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
It has now been 7 days past the deadline for Citi to honor their targeted promotion to me for opening a citi gold checking account and meeting all requirements which I have successfully done as confirmed by several representatives since account has been opened ( XX/XX/XXXX ). My offer was for XXXX Thank you points ( promotional code : XXXX ). My account was opened over the phone and confirmed I qualified for this promotion.

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 2015-12-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Fraudulent charge on account, was reported, not removed, and billing continued, along with interest rate. We have repeatedly requested the charge be removed and the account closed. The owner of the account is in XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I sent my payment to MACY 's via online banking on XXXX XXXX. It was for payment in full. The payment was miss applied to another account, that not only was delinquent, was " charged off '' due to a bankruptcy! I 've asked it to be corrected. Macy 's admits they have my funds, YET they want me to FAX them a copy of my bank statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I asked Citibank to close my account as of XXXX/XXXX/2016. They promptly responded saying I needed to withdraw the remaining funds of {$6.00} from the account, which I did on XXXX/XXXX/2016. However, they failed to close the account even after I withdrew the funds, and now I have an overdraft charge of {$12.00} on the account ( since it is XXXX/XXXX/16 ) even though there were no further transactions on my part and the account was at {$0.00}. Customer service has been unresponsive and demanding {$12.00} before they close the 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 2016-06-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I entered my information into the database to opt out of prescreened consumer credit offers, but American Express persisted in sending me unsolicited offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The only negative in my report is in Capital One XXXX Opened XXXX the History there is late IN XXXX. **It is not late. The card charged me for Cell Phone Insurance payment that I never ordered. **I called XXXX XXXX. They acknowledged their mistake. They cancelled the Insurance payment request. **At that time I closed my account with XXXX Balance. **I am asking to remove this XXXX negative incident from my Credit Report

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

Complaint narrative:
On XXXX XXXX, 2016 and again on XXXX XXXX, 2016, I attempted to open a new, personal CitiGold Interest Checking account. On XXXX XXXX, 2016 their telephone representative told me that my application was accepted and emailed to me a signature card, which I signed and faxed back to them on XXXX XXXX, 2016. Approximately 10 days later, I received by U. S. mail my first Citigold checking account statement, which showed my new account number and account balance. Then XX/XX/2016, I received their letter dated XXXX XXXX, 2016 stating that they did not open this account, claiming they were unable to verify information. 

Upon phoning them again, they refused to provide any information about what information about me they were unable to verify. They claimed my account was now closed. All representatives I talked to were completely uncooperative and entirely unhelpful about what I could do going forward to re-open this simple checking account. Note that I have been a Citibank credit card customer in good standing for over 10 years, so their bank does have extensive information about me. Also, I was not applying for any form of credit from Citibank. Instead, I was attempting to deposit my money into their bank. 

When originally opening this account, I told them that I was applying using Promotion Code = XXXX, which would allow me to receive a {$500.00} cash bonus if I met certain requirements of the promotion. It became clear in talking with their phone representatives that they were trying to not open this account to avoid eventually paying me this {$500.00} bonus. 

Their offering this new account opening bonus promotion and then refusing to actually open the account constitutes consumer financial fraud, deceptive marketing practices, and sales misrepresentation. I am requesting that ( 1 ) Citibank re-open my checking account under the terms of the original {$500.00} cash bonus promotion, and ( 2 ) the Consumer Financial Protection Bureau investigate Citibank 's many marketing promotions for all other instances of misrepresentation, fraud, and marketing deception.

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

Complaint narrative:
My payment arrived on the due date ( arrival verified by the billpay service of my bank ), yet the credit card company takes a day to process / post the payment, and then hits me with a late fee and interest. 
Written on the monthly statement from the credit card company is, " If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of ... ''. When I ask the ccc why, since my payment arrived on time, I was charged a late fee, the ccc says, your payment was n't posted until the next day, and it 's the posting date that counts. Then I say, but your statement says the payment arrival date is what counts. The ccc just continues to say, over and over and over, that it 's the posting date that counts.

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 2016-03-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Media Collections, Inc
State: CA

Complaint narrative:
XXXX, an on-line bill pay service of XXXX XXXX XXXX XXXX is engaging in Identity theft of my SSN by sharing my Privacy protected information with XXXX and XXXX of XXXX, Ohio a third party which is also illegally using my social security number on their correspondence without my permission. I have reported both XXXX and XXXX and Creed to the FTC government website and was referred to this site by the Fair Trade commission. In addition, I have placed a 90 day fraud alert with XXXX, XXXX and XXXX. 

And since I am XXXX and XXXX identity theft insurance that was given all XXXX employees affected by the OPM hacking, I will be reporting the stolen SSN information by Joseph, Mann and Creed to those companies too. 

If there is a way to report this to the Attorney General of CA and Ohio and sue both XXXX and XXXX for unauthorized stealing and sharing of my SSN I will be exploring that as well. 

I hope the CFPB will reprimand both XXXX and Joseph, Mann and Creed- maybe all the employees and management of both those companies need to have their SSN information stolen by another third party so they can know what this feels like.

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 2016-10-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a citigold account with a promotional offer to get XXXX American airlines miles by satisfying the following requirements : spend {$1000.00} on debit card, 2 consecutive months e bill pay within 90 days and maintain balance of {$50000.00} in the account. These requirements were met in XXXX 2016 and they assured me that I would receive my miles by XXXX 2016. I have still not received these miles

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