vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Citi bank checking account in XX/XX/XXXX during a {$400.00} promotion offer. 
The terms for the offer were " Get a {$400.00} bonus when you open a new Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days. Cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. '' I have made the deposit and met all the terms. On XX/XX/XXXX after inquiring with Citi, I received a letter that the bonus will be processed and credited. However, to date I have not received any bonus on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I have a Citi XXXX issued by Sears. I used this card to have a $ XXXXpurchase in sears store XX/XX/XXXX. I updated my address in sears. 
I changed my address in the local post office. But I never ever receiveda bill mailed to me. Because I do n't use this credit card too often, and alsoXX/XX/XXXX is a holiday season, I do n't remeber this bill. 
Today, I got a call from XXXX to say I have a bill for {$240.00}, which inculde the late fee XXXX. I do n't think it is my fault to cause the latepayment. I beleive there is Something wrong about the bank or sears'ssystem. 
When I called sears, their custom service told me they just update myaddress on XXXX XXXX. I already update my address on the day I did thepurchase. 

I definitly would like to pay {$68.00}, but I request waive the late fee. becauseit is the bank or sears 's responsibility. 
I called them, also, I sent a email to dispute ( XXXX This issue have n't been resolved. 
My reference number is XXXXMy card number is ****************

Company public response: Company 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: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I received the attached letter from CitiMortgage. I do not deny I am in arrears. I have tried so many times to work with these people but they are all over the map with their stories. I gave up trying to communicate by phone and letters do not get a response. I was told that I could cure the outstanding debt by sending in extra funds. Now they returned my last payment because said that the debt goes back more than 120 days and I ca n't pay this way so they are putting my into foreclosure. I am on Social Security so I do have a limited income but I work a few housecleaning jobs etc. to get extra money to help settle this. They wo n't put me on a repayment plan.

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 2015-04-09 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: Solidus Group LLC.
State: LA

Complaint narrative:
XXXX XXXX of Delaware solutions contacted a family member and gave out my personal information, that has caused hardship with my family. Is this a violation of privacy and is there any recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
In XX/XX/2005 I opened a second mortgage with CitiMortgage. The monthly payment was XXXX for a 20 year term. The interest is 7.89 %, which I considered high but figured I could refinance to a lower rate once the home renovations were completed. As the years advanced, I ran right into the housing crisis and the housing values dropped in my neighborhood. As I paid down the second mortgage I on numerous occasions attempted to do a refinance with citmortgage and other institutions. I kept running into the issue that in order to do a cash out refinance to pay off the second, I could not borrow more than the 75 % equity to pay off both first and second mortgage. When I contact citi about lowering my second, they stated that all the programs that they had were for first mortgages, not seconds. This has left me since the inception of the loan making over 135 payments of XXXX, totaling {$78000.00} on a loan with a originating balance of {$70000.00}. I fell that if I had been able to refinance this loan at 5.25 %, that would be a savings of 2.64 %. This equates to approximately {$1800.00} a year in lower apr. Amortizing over 12 years, this is over {$20000.00} dollars in finance costs due to my inability to refinance this loan due to the drop in house values. I am asking in light of my consistent payments over 12 years, and the inflated, non market rate apr of 7.89 % that CitiMortgage write down my remaining balance of {$42000.00} by the {$20000.00} in overage in the last 12 years. By doing this and lowering the second to a market rate of 5.25 %, this would allow me to continue to be able to service this debt. I truly feel that all the programs that existed out during the recession only targeted the primary mortgages, and I suffered a much higher interest rate with no other recourse.

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 2015-10-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This complaint is regarding Home Depot Credit Services who has billed me {$1900.00} in interest charges on a 24 month no interest promotion. In those 24 months, I made payments in the amount of {$4800.00} of which only {$190.00} was applied by Home Depot Credit Services to the promotional balance. When I inquired, they said it was my fault for not calling monthly to tell them where to apply my payments whereas my payment should have been applied to the promotion first ( which does n't account for the {$190.00} credit that I never called them about either ). I would like to know if I have any worthwhile case against Home Depot to remove this interest fee based on my making above-the-minimum-payment each month as was required of me. Home Depot presses that it is my fault for not calling them monthly and for not reading my statement each month, which in the years XX/XX/XXXX-XX/XX/XXXX Home Depot is well aware that online banking exists rampantly and the consumer should feel safe in making regular payments through his bank without reading the " fine lines '' of every billing statement. They count on this for their bottom line as opposed to any concern for the consumer. If even just the payment amount over the minumum payment is applied to the promotional balance, in the last 12 months ( not 24, which the promotional period is for, but for which I do not have statements currently ), then I have paid {$1300.00}, with ( 1 ) shows only one of the two years of payments in the period ; ( 2 ) shows my intent at purposely paying more than the minimum to ensure against incurring an interest fee on the promotion and ( 3 ) ; still begs the question how only {$190.00} was applied to the promotion. While I do n't have the remaining statements showing what I paid above the minimum payment, I have made the request for the archived statements through Home Depot to prove that I should not have incurred the interest on the promotion, based on my having paid Home Depot approximately {$1500.00} more over the past 24 months than the initial promotional balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX XXXX, I received a flyer in the mail from Citibank that offered me a promotion to open a Citibank CitiGold checking account. The bonus offered XXXX AAdvantage miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account alongside with spending {$1000.00} on the debit card. 

After enrolling and successfully opening up the account with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I Confirmed with Citi that I fulfilled all terms of the offer and that I should be receiving the bonus no later than my XXXX XXXX statement cycle. 

After reviewing my XXXX XXXX statement cycle, I did not receive my bonus points as promised. I contacted Citi on XXXX XXXX, XXXX and they said that an internal investigation was opened on my behalf. 

On XXXX XXXX, XXXX, Citi 's investigation team informed me that my bonus was denied for the following reason : " This promotion was not offered in conjunction with the opening of your account '' I called Citi on XXXX XXXX to appeal the denial, citing written confirmation from Citi that states : - The promotional offer is attached to my account and ; - I qualified for the promotion and ; - I met all requirements to receive my bonus. 

In the call on XXXX XXXX, they state that they will re-open the investigation and that I should receive the results in 2-3 business days. 

Its XXXX XXXX now and the case is still pending. 

It really looks like Citi is trying to pull a bait and switch on me. It 's been two months since the promised bonus and I have not received anything.

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 2015-07-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX We did a 6 month same as cash with them while purchasing a pool from XXXX XXXX They sold our telephone number to XXXX or XXXX different companies. I received so many calls from random numbers it was insane. I called and had my number removed. I 'm still waiting for for {$500.00} credit that was on my account. I made the payment on XXXX XXXX, 2015 and called on XXXX XXXX and they said they would mail me the check and I would get within 17 business days. Called today, XXXX XXXX and surprised my check never got mailed. They are now telling me again it might be another 17 days. I have another call into management. I would never suggest this company or ever deal with them again.!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a department store card with Macy 's ( I believe the underlying bank is Citibank ) sine XXXX. 
-I believe they have pyramided late fees on me -Closed my account unfairly -Possibly reported me to the credit bureaus over a small matter -Treated me disrespectfully I had a small balance with them as of XXXX of XXXX. I made sure I paid off that balance and went on XXXX. I had my XXXX in XXXX, and once all the dust settled around XXXX I started checking my financial situation to make sure everything was in order. My Macy 's card was one of the things that I wanted to check, but for some reason I was not able to access the card online ( later I was told by the customer service that I had been banned from accessing the website because my card was suspended and later closed ). I had opted in for online statement, so I was not receiving paper statements either, but I was sure I had paid off the balance. 
In XXXX, I received a call from Macy 's collection department asking me to pay off a balance of {$8.00} and some change immediately ( {$4.00} was late fees ). Turns out when I had paid off my balance in XXXX, some residual was left, probably from the interest that I had accumulated in the month before. I paid the whole thing off with a representative and apologized. I did explain my case to them, but no mercy was taken, and since the amount was small I did n't insist. 
Imagine my surprise when in XXXX I went to a Macy 's store to purchase some holiday ornaments to find out my Macy 's account was closed. I contacted them again and was told that I have another {$4.00} balance on my credit card, and since I was such a chronic late payer, they had closed my account. That entire balance was late fees again, and they were not willing to wave the fee, so I paid again. At the beginning of XXXX, I received a paper statement from Macy 's stating I owe them {$2.00} again. I called them and this time I insisted that they stop this and wave this fee, they said they did. Please look into this matter for me. They have n't told me if this has been reported to the credit reporting agencies, they have charged me too many late fees, and they have closed my account which reflects poorly upon my credit, and I need my Macy 's card.

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 2015-12-26 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
XXXX hired Financial Asset Management Systems to collect on student loans. Financial Asset Management Systems is alleging that I have only paid {$1000.00} in total for the last 13 payments that I have made on my account. This is false. Financial Asset Management Systems is flagrantly violating the Fair Debt Collections Practices Act by not accounting all my payments properly. Financial Asset Management Systems is asking me to provide proof of payment when they should be the ones that should be correctly totaling my accounts. Each monthly payment on my account has been for at least {$250.00}, however Financial Asset Management Systems is incorrectly claiming that I have only paid {$1000.00}, which is patently false. XXXX and Financial Asset Management Systems are engaging in deceptive debt collection practices. Under CFPB complaint number XXXX, Financial Asset Management Systems is incorrectly claiming that I have only paid {$1000.00} on my account. Financial Asset Management Systems is engaging in deceptive debt collections practices because I have paid way more than that amount of my account and it shouldnt be up to me to proprerly credit my account, it should be up to the debt collector. Financial Asset Management Systems is misrepresenting the payments I have made on my account and not properly accounting all the payments that I have made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently applied for a Citibank double cash rewards credit card. They stated the apr ranges from 12.99 up to 24.99 based on your credit score. My credit score was very high. They approved my application and gave me an apr of 15.99. I was confused as to why I did not get the 12.99 score, considering my credit fico score was so good. I talked with management and they refused to tell my why it how this apr is determined. I feel this is fraudulent to advertise This low apt if 12.99 if you ca n't tell a consumer who is eligible for this and what the parameters are for determining the apr.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 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, 2015, I opened up a Citigold checking account by applying a promotion code XXXX. With that code, XXXX Thank you points would be credited to my account within 90 days after I complete all requirements within 60 days after account opening. Before I submitted the application online, I called Citi customer service and one representative confirmed that I would get the bonus if I used that code for account opening and pay XXXX bill for two consecutive months with 60 days. I have done much more than enough to fulfill the requirements. I contacted Citi customer service 90 days after I completed all the requirements ; however, I was told that I was not targeted and I could not get the bonus. Furthermore, Citi charged me $ XXXX monthly fees each month. I deeply feel that I was mislead during account opening and I have wasted six months waiting.

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 2016-09-30 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently bought a refrigerator at the Sears store in XXXX, California. I applied for a Sears Citibank Credit Card and received immediate approval. There have been many problems with the product beginning with its delivery and I have been unable to receive any satisfaction from Sears. 
I called the Citibank Credit card people about 2 weeks ago and told them I had not received the physical card or the membership agreement. I received the card in a few days but have still not received the membership agreement. As I have received no satisfaction and many broken promises from Sears I want to know what my legal rights are with regard to withholding further payment on the card. 
I have already paid a substantial part of the bill but want to know what rights I have which would ordinarily, I believe, be in the credit card agreement which they apparently are not sending me. 
Thank you for whatever advice you can give me. I have already been in touch with Sears, the XXXX, the FTC, and the California Department of Consumer Affairs with my complaints regarding the product and service.

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 2016-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Business Starters, Inc
State: NC

Complaint narrative:
The mortgage broker caused me to lose {$1200.00} because of their incompetence. They misfiled paperwork and ignored my calls questioning why I was n't hearing back from them with any information. After finally looking into the matter they found that the paperwork was " misfiled ''. I had to pay an extension fine of {$370.00} to HUD for a 15 day extension in which I asked the brokerage firm to give me priority so I could close before the end of the extension. That closing date came and went and I had to file for another extension ( {$370.00} for another 15 days that HUD allows ) and that closing date also was not met. HUD must have the paper work to them 5 days prior to closing date or prior to end of extension to complete their end. In the meantime I also paid for the bank 's appraisal at {$510.00}. So when they were not going to meet the extension deadline for the 3rd time, my realtor asked HUD to work with me if I were to find a different mortgage broker and they said they would let me as long as I paid another extension fee. Which would have actually been 2 more as a new mortgage takes 3-4 weeks and the extensions for HUD are only 15 days each. I asked the original mortgage company to pay me for my loss and they told me no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hi, Couple of Months ago I subscribed to an offer I received from Citibank XXXX XXXX ) : If I opened a CitiGold account and met all requirements, I would receive XXXX XXXX XXXX Bonus points. 
I called Citi and they confirmed I was eligible to this offer as I had a Citi XXXX Platinum Credit card ; this was also confirmed by XXXX of their Agent during an Online chat. 
Requirements were : Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/15. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card which must be posted to the new checking account. 
And XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar. 
When I met all criteria, I contacted Citi via Online Chat, and was told that all conditions were met on my side, and points would be posted in couple of weeks. 
As I did not see any evolution after two months, I contacted them once again last Month, and they told me that finally I was not eligible. 
I am a bit suprised since I had several acknowledgment from Citi that I was eligilble for the offer and I would not have opened this account otherwise.

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