vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had a cash back credit card with Citibank ( Citi Dividend Card ) that allows you to earn XXXX % every quarter on different types of purchases. It advertised XXXX % cash back when you use your card at The Home Depot and any home and garden store between XXXX XXXX and XXXX XXXX 2015. I made a {$620.00} purchase of an outdoor canopy for my backyard at XXXX, which sells home and garden merchandise and is a direct competitor of Home Depot, on XXXX XXXX, but was denied the XXXX % cash back because they claimed XXXX was a wholesale store and not part of the promotion. I believe this is false advertising on the part of Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a Citi ThankYou Preferred MasterCard account with Citibank for many years, with a limit of {$28000.00}. My credit score is excellent ( XXXX as of XXXX 2016 ). Nevertheless this company closed my account XXXX XXXX without any warning whatsoever, which will have the effect of lowering my credit score by affecting the credit to debt ratio. When I contacted them by phone, an individual told me that it was for my " protection '', as I had n't used the account for 25 months. Really? When a credit card company is worried about a customer 's safety, they usually contact the customer before taking such drastic action. 
I also contacted them by email, after which they closed my online access, essentially shutting me off. It seems that they are not willing to have a dialogue and display a rather hostile and arrogant attitude towards the consumer. The specific problem I have with them is the complete lack of warning, for what I see as an unjustified and irrational action ( again I have a very high score, a good XXXX figures income and no debt whatsoever except for an existing mortgage ). 
Can this actually be resolved? I would imagine that a company that wants to stay in business would lay out the red carpet for customers. Are they XXXX, or has their arrogance clouded their judgment?

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 2016-12-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Received threatening voicemail from a XXXX XXXX from XXXX XXXX XXXX stating she would be going to my place of work ( within the hour ), if I was n't available, she would find out from someone when I would be, then she would be going to my home, and then to a relatives home. I called them back. They would not tell me anything until I verified the last XXXX digits of my ss number. ( She stated ( " it is public information anyway " ) I did so I could get info. Said I had an outstanding debt with Citibank. Offered me 3 options or court. I told them court. She told me " Good luck ''. I then called CFPB and spoke to XXXX who instructed me to call Citibank and verify their credit debt collector. I called Citibank and spoke to XXXX who after researching my ss number found I had never had an account with them and also verified that they do not use XXXX XXXX XXXX. Called CFPB back and spoke to XXXX who instructed me to file complaint.

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 2016-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
My complaint is very simple not gon na complaint about XX/XX/XXXX when I lost my job or XX/XX/XXXX when my mom had a XXXX or XX/XX/XXXX when mom came down with XXXX or the recent loss of my grandpa who was like a father to me and Citimortgage refused to help My complaint is that my credit has been damaged to the point it is very poor and I do once or twice a year have fallen behind and made my payment on XX/XX/XXXX as always however there has been plenty of times like once they lost my check while in California taking care of my mom XX/XX/XXXX I took the bad mark other times I 've paid at XXXX my time according to them if the payment is not in their system by XXXX pm their time I am late and those reporting have hurt me so bad I ca n't get a job I get turned down for credit that I need to fix the rest of my home a home that has XXXX bathroom working out of XXXX a kitchen with mold and because my insurance did not pay I am living with that in the house I am always XXXX I take XXXX I need Citimortgage to drop off all the late marks on my credit report so I can go on about and not have to be late on my house payments because all I have is cash and my hands are tied

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 2016-09-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank - AAdvantage credit card I was introduce to this credit card with a promotional offer of XXXX bonus points after spending {$1000.00} for the first three months.by CitiBank Personal Banker XXXX XXXX ( at XXXX, CA ) and he help me to submit the application. 

Letter dated XXXX XXXX from Citibank quoted " The promotional offer on your account allowed you to earn XXXX bonus miles after making {$3000.00} in purchases within three months of the account opening which is totally different from the promotional offered by the banker. I want CitiBank to honour their promotional offer. 
Even CitiBank is still offering similar promotion on website with {$1000.00} spending in first 3 Months with XXXX bonus points. 

Thank you. 
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 2016-07-24 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX/XXXX/16, Citibank close my Prestige Credit Card account # XXXX without explanation and refused to respond to my inquires. This account is an new account I opened in XX/XX/XXXX and I paid the {$450.00} in order to enjoy the benefits of this account. Since this account was unilaterally closed by Citibank, I would like Citibank to refund me the {$450.00} annual fee I paid.

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 2017-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We feel like we are getting the run around from CitiMortgage like we have in the past with respect to our application for assistance/loan modification. They did n't review or underwrite our application for assistance, they are making numerous collection calls to me at work ( in violation of the bankruptcy discharge - I am currently working with an attorney to see what our rights are as to these violations ), send letters that contradict previous letters adding to our confusion ( we were declined for a short sale that we did not request or apply for and then notified the following day that we were conditionally approved ), failing to respond to email requests, failing to respond to our loan modification appeal within the required time frame ( 30 days ), and misleading us by sending a HAMP application when our investor does not participate in HAMP. 
We love our home and desperately want to keep it. We just do n't think that CitiMortgage is acting in good faith based on the way our account has been handled since XXXX. We would just like the investor and CitiMortgage to work with us to make our payments more manageable and affordable.

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 2016-11-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX XXXX, 2016 Dear Madam/Sir : I ( XXXX ) and my wife XXXX XXXX used credit cards issued by Citi cards. Citi bank and Citi cards closed our credit cards accounts without any reason. We have used the Citi credit cards for over 10 years and always paid the monthly payment on time. It is OK if they want to close our accounts. However, they removed all " cash rewards '' or " thank you points '' from the last statements of all our cards. This is unacceptable. We sent two letters to request for solving these issues. They responded that they can forfeit the " cash rewards '' or " thank you points '' upon closure. It is unfair. We are looking forward to getting helps or suggestions from you. We think there are maybe many other Citi cards clients were treated in the same way. We want you know these issues and help us to get necessary protection. 
I have enclosed copies of two statements ( last one and the last one having card reward value on it ) for each card, a letter from citi cards, two our letters to citi cards. 

Thank you for your attention on these issues, Sincerely, 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 2016-09-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a payment to Citi XX/XX/XXXX and received a call that they never received my payment. I have the cleared check from my bank and the check was sent XX/XX/XXXX and cleared my account on XX/XX/XXXX. Citi has never asked for a copy of the cleared check and I have made many attempts through phone calls and email to resolve this matter. They have told me they would credit my account with the amount of XXXX while they investigated and they did not. when I email they say they will get back to me within 24hour with a response and all I hear is nothing. I finally received this email last week but still have not seen a credit on my account. They said they found the check but was unable to credit it to my account due to " some lack of clarity about the whereabouts of the check ''. I do n't know why that is my problems and why they ca n't credit my account. I thought they were processing the check but I 'm very confused and no one will respond to and let me know what it going one. They also said they would credit my account in 3-5business day and still have not seen a credit and its been 5 business days. They also stated in an email that they did not receive my check until XX/XX/XXXX which is not true. The check cleared my account on XX/XX/XXXX. I thought that it was illegal to hold payment. So they have my money but will not credit my account and I had to make another payment this month so I would not get a late payment. I should of had a credit on this account. I do n't know why they can hold my money hostage. I just want my money. They know I sent it. This is insane!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have been issued a CITI/AAdvantage platinum Select Master card that I did not apply for.

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 2016-04-25 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a credit card with Citi ( AT & T Universal card ) that has XXXX balances with XXXX interest rates on it. A standard purchase, which is 20-ish %, and then XXXX smaller balances, which are 4.9 % and 3.9 % respectively, until paid in full. During an online chat last evening, I inquired how payments were being applied and was told that they were first applied to interest ( and any applicable late fees ), THEN to the balance with the SMALLEST interest rate, and then any additional ( above/beyond the minimum payment ) is applied to the balance with the highest interest rate. However, every place I look online, I read that payments must first be applied to the interest/fees, and then any remaining goes to the balance with the highest interest rate. That clearly is n't happening in this case.

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 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
The bank will not allow us to modify the loan directly with loss mitigation or with our agent dealing directly with loss mitigation they are requiring us to deal with the banks attorney as a middle man and we are not happy with the lack of contact, this is in violation of XXXX XXXX and CFPB regulation, also the bank did not properly segregate or provide clean title and refuse to give us copies of our closing documents under a RESPA and TILA request. 

the bank did not properly segregate or property or our house we are now situated on XXXX lots and only XXXX belongs to us, will provide proof with this letter. 

at the time of closing in 2007 we had asked for a copy of our closing documents and they had told us they will mail them, we have never received them, we ave asked for them several times and never received them, our attorney asked for copies under a court motion and we still dont have it, we have been to the tax collector, ( CRIM ) and they had showed us that the bank has the house on the wrong property, our house is sitting on XXXX lots, only XXXX is ours. 

we have someone assisting us in the loss mitigation and the bank refused to work with us our assistant during our mediation and forcing us to work with the attorney instead of the bank directly even though attorneys are not allowed in mediation. 

and we want our copy of closing documents complete, to include our Good Faith, HUD XXXX and copy of all insurances I purchased such as Title Insurance, Appraisal, Segregation, Survey, and any and all copies included.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Summary : I did not receive the bonus points that came with a promotional offer Citi was offering even after they have confirmed it via live chat and secured message. 

Events : Opened a Citigold Checking account during XXXX 2016. There was a promotion of getting XXXX XXXX XXXX Aadvantage miles for opening said account and completing certain requirements. The requirements were : 1. Use the bill pay function in two consecutive months 2. Make {$1000.00} in debit card purchases with the Citi debit card. 

Confirmed with Citi representatives via Live Chat and Secured Message on XXXX/XXXX/16 that I have completed all the requirements and was eligible for the bonus points during XX/XX/XXXX and had to wait 90 days ( starting from the following month ) for the points to be posted onto my XXXX XXXX account. I should have received the bonus points by XXXX/XXXX/16. 

There is a $ 30 monthly fee for keeping the account open. I kept the account open solely for waiting for my XXXX XXXX miles to post but they did not show up long after the 90 day mark. Contacted Citi soon after to ask when I will get the points and they said that I was not eligible for the bonus points. They did not even send me a notice saying when or how I was disqualified while I just kept waiting and paying the $ XXXX monthly fees for a total of {$90.00} to date. 

This is very misleading of Citi to first confirm then to disqualify after having paid monthly fees to keep my account open.

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 2016-11-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2016, I went to the XXXX # XXXX at XXXX. I presented their XXXX XXXX as membership evidence. And I paid {$100.00} worth of merchandise by cash. 
A few weeks later, Citi XXXX card sent me a bill of # XXXX for the merchandise. 
I was shocked. I contacted Citi directly and placed my dispute by mail asking my signed authorization. Citi emailed me on XX/XX/2016 saying they will investigate this. I wait a month and a week. But Citi did not reply about investigation result but carry this charge on their statement. 
This was face to face transaction and they needed to obtain my authorization signature on the transaction slip if I used credit card. But they did not do it because I paid by cash on the spot. This is why they do not have my authorization signature on the sale slip. 
Citi visa continuous billing for this unauthorized transaction really both me and my credit rating. This is why I am filing this complaint.

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 2016-07-28 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a citi aadvantage card holder since XX/XX/2007 I upgraded my card. with that I went from a {$50.00} to {$95.00} yearly fee. When I signed up I was told that this year would be waved since I upgraded my card. I have called in 4 times now to get a run around. they tell me that a supervisor will call me back and they never do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
In XXXX our mortgage became late now XXXX and XXXX different agencies later I 'm still making the same mortgage payment and the company I make it to is not listed on my credit report but the original company is but it shows the account as a charge off. I need help.

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 2016-06-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have an account with CitiBank that ended up with Fraudulent charges. Citi was good enough to call me to check on the unusual activity within 2 days of the incident. Several charges were identified as fraudulent which they said they would take care of. A few days later after review my account, I called them to ensure all fraudulent charges were part of the investigation. After several ( 5-6 ) calls, I am still waiting for them to refund all the charges. It has been since XXXX XXXX. At this point, there is still XXXX charge remaining ( {$64.00} posted XXXX/XXXX/16, Description XXXX ), interest has been charged ( {$5.00} ) and a payment is due. I do not want this to effect my payment history but am unable to get the final charge refunded. My most recent call on XXXX, I was told said it would be credited in 3-5 business days. My call yesterday provided no additional updated ... .they are looking into it and no a supervisor was not available. Hoping you can help with resolution.

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 2015-07-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I request that the CFPB investigate Sears ' failure to properly handle and investigate a fraudulent and unauthorized charge that was made on my Sears account ( ending in XXXX ) for {$7000.00} on XX/XX/XXXX ( See Exhibit A in attachment ). I have been the victim of a fraudulent scam that has caused significant emotional and financial hardship to me and my family. I am being charged for XXXX XXXX Licenses from the XXXX XXXX that I never agreed to purchase and that were never issued to me in my name. For more information about the fraudulent charge, please see the billing dispute letter and accompanying exhibits A through J attached below. 
On or around XX/XX/XXXX, I notified Sears of the fraudulent charge on my XX/XX/XXXX billing statement. Pending the investigation, Sears credited {$7000.00} back to my account ( See Exhibit B in Attachment ). XX/XX/XXXX, Sears provided me with a copy of a letter from the XXXX explaining that the " license was issued '' despite the fact that I never received or was issued a license under my name ( See Exhibit C in Attachment ). On XX/XX/XXXX, Sears re-debited the {$7000.00} charge from my account. On XX/XX/XXXX, I submitted a XXXX written billing dispute letter in which I again explained that I was charged for XXXX licenses that I never agreed to purchase ( See Exhibit E in Attachment ). On XX/XX/XXXX, I filed a XXXX billing dispute to Sears requesting that Sears investigate the matter and provide me with documentary evidence of the unauthorized transaction pursuant to 12 CR 1026.13 ( f ) ( 2 ) ( please see attached dispute letter and accompanying exhibits A through J ). 
In response to the second and third billing dispute letters, Sears has failed to provide me with a written acknowledgement of my letter ( 12 CFR 1026.13 ( c ) ( 1 ) ) and has failed to provide me an explanation that sets forth the reasons for Sear 's belief that the billing error alleged by the dispute letters is incorrect in whole or in part ( 12 CFR 1026.13 ( f ) ( 1 ) ). They have also failed to provide me with copies of documentary evidence of the unauthorized charge for {$7000.00} ( 12 CFR 1026.13 ( f ) ( 2 ) ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation