vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After logging into or out of my Citi credit card account, Citi had a window pop up on the screen asking me to verify my income. This happened about every other time I logged in or logged out, for a period of several months. When I first began to receive these pop up windows, there was no amount given for my income. My choices were either update my income or not update my income. But as time went on, the pop up window changed. The new pop up windows said my income was XXXX and my XXXX choices were to either confirm my XXXX income, or change my XXXX income. When the window popped up upon login, I could not proceed. When the window popped up after attempting to log out, I could not log out. 
On XX/XX/XXXX I phoned Citi, explained to the representative what the problem was, and asked for this to cease. The representative said she would send email to the proper department stating my request. 
The next day, XX/XX/XXXX, after logging in, I again received the pop up windows asking for my income. That day, I sent XXXX messages to Citi via their website, and received XXXX responses. The final response from Citi stated, " Providing the income information is optional. We have XXXX the online requests for this information. '' On XX/XX/XXXX, when I tried logging out of my Citi account, I was prevented from doing so. The same logout pop up window appeared that I had written to Citi about on XX/XX/XXXX - the pop up that was supposed to be XXXX ( along with the login pop up window ). 
The logout pop up window says the following ( and is similar to the login pop up window ), " Total Annual Income {$0.00} Examples : Salary, wages, interest, dividends, rental income, retirement benefits. If you are XXXX or older, you may include income from others that you can reasonably access to pay your bills. Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation. Monthly Mortgage/Rent Payment {$0.00} Make Changes MY INFO IS CORRECT ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX, I received a call from a banker from Citibank informing me that someone was on the phone posing as my husband and attempting to establish a credit line with them. I informed them during the call this was not possible due to my husband being deceased and was informed that the person on the call had disconnected and no further steps needed to be taken. I then later on, received notification by mail from Citibank XXXX/XXXX/XXXX, addressed to my deceased husband, informing that an account had been opened using his info and there was suspicious activity reporting. In the letter it contained a number to follow up with, if this account had not been set up by the addressed person ; I immediately followed up with Citibank and made them aware no account was opened due to my husband being deceased since XXXX and also that i had spoken with someone previously to address this. I was made aware that steps would be taken to resolve this matter and on XXXX/XXXX/XXXX did receive additional follow up to inform that an investigation was completed and account would be closed and forwarded to the credit bureaus to be addressed. How is it possible that a person being deceased that long, with reports being sent over to the social security administration initially to make aware, can still have someone open up a new credit card and use this. This is n't something that should be able to happen, and the way all of this was addressed from the opening of the account until the resolution was n't handled properly.

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 2016-08-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
First, the credit card charged me a late fee for the card member fee. When I closed the account, my reward points disappeared. There was never an option to use the reward points on the website. 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 2015-06-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC
State: LA

Complaint narrative:
in 2010 i just graduated from XXXX and rented a room on a 30 day trial run to see if i could make it as a XXXX. they had a small business which rented rooms to XXXX XXXX and another XXXX. a lady selling credit card machines invited us to all group together to use XXXX terminal and each have a specific number for each of our transactions the lady sat us down all together and verbally told us there were no commitments until 30 days and if we closed after a XXXX period of time the contract would be voided. if i sent her a picture of the empty room in which i did close with in the designated time before i became locked in the contract after the 30 day trial. everyone of us shared the terminal and we returned it within the specified time frame when the salesperson came to see my closed XXXX. i had not had a XXXX and did not even have a rental agreement for the room.which also was on a trail basis.i did n't even meet certain guidelines for even being able to get the offer of a terminal .that 's why she said it was a trail run.because i did n't qualify until i had the correct paperwork and XXXX which i could not afford to do. I was not the only person w a contract and if i did n't use the terminal alone there should be others that can verify the verbal agreement of the trial 30 day term.please try to help.the representative did not tell us the truth when we signed the paper.she said that there would be no problems that she would guarantee us that we were not responsible if we could n't afford to stay open.i could n't even pay for my supplies.why would i obligate myself to a huge contract? and the rep knew that and she still trapped me into signing along with other people who signed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, 2014 I received a letter stating to settle my account with Citibank so I contacted them on XXXX XXXX, 2014 to settle my account for the amount in the settlement. The agent I talked with talked in circles and offered me a deal to pay {$88.00} short and she would lower my payment. I wanted to just get from under this debt, since my alimony money was n't being paid to help me out financially. They took the {$4000.00} leaving me to be responsible for the rest of the debt. I contacted Citibank on XXXX XXXX, 2014 and explained what happened to see if I could pay the additional {$88.00} to clear this debt and they said no because I declined to settle the debt. I contacted Citibank again on XXXX XXXX, 2014 and talked to the risk department and was told again they could not honor this settlement and now I 'm being sent letters stating I owe over {$5000.00} again!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-26 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have a SEARS credit card account with just the SEARS credit card. I keep receiving letters forcing me to call and state i do not want my sears cards automatically updated to a XXXX. 
Twice now I have made this contact and still are receiving the letters. I just received the XXXX XXXX and called again. 
This letter starts out with ( We will be sending you ) there is n't any choice if I do n't call them and they are going to change my credit card because if I do not call that is a confirmation that I want it?????? This is a breach on contract because they are trying to change the terms of my account without approval almost to the point of extortion, because if I do n't react they are forcefully change my card to a XXXX resulting in financial gains to their corporation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I paid my account balance off in mid XXXX per the statement. On XXXX I received a bill for {$6.00}. I called Citi and spoke to a rep who stated it was residual interest. I asked for it to be waived considering a made a substantial payment of over $ XXXX, had been a customer for over 4 years and was in good standing. The rep passed me to an Account Manager where I was told it 's a valid charge and there is nothing she can do about it. I said this happened once before on a different Citi card and the residual interest was waived. The XXXX stated it should n't have been waived and I have to pay it. I asked if they were willing to lose a customer over {$6.00} and was told sorry if that 's your decision but it 's a valid charge. I expressed my dissatisfaction and could n't believe how I was being treated and closed my account. I paid the {$6.00} and will never open or use Citi in any capacity moving forward.

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 2017-03-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Macy 's has reported multiple late payment remarks to the credit bureaus for {$2.00} that was past due because of a fee that Macy 's charged then charged a late fee interest on top of the 1st fee assessed. I called Macy 's on XXXX and they have stated the problem has been fixed and that there was n't any late payment even though my credit report shows it. I 've attached all of my documents. The credit bureaus have still done nothing to help as well and I 've already submitted requests to help 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 monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's - Repetitive phone harassment from various phone numbers. To include : XXXX ; XXXX ; XXXX. They call several times a day interrupting me at work. I know who they are and what they want. Calling 5-10 times a day does not change my reply ...

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 2016-04-21 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
This account was an individual account. The collector contacted my former spouse seeking my contact information and disclosed the name of the creditor as well as the amount owed

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 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a XXXX and have been for 28 years. I have a client who is selling her condo and we just learned that the mortgage company - Citi Mortgage has GROSSLY overcharged my client. I got an amortization schedule yesterday showing after 9 1/2 years the principal balance should be {$210000.00}. Her balance on this loan now, according to Citi Mortgage, after paying on time for 9 and a half years is still $ XXXX. The original loan amount was {$260000.00}. I am not a wizard, but with a 4.125 % loan - fixed for 30 years, there is no way her balance should be {$250000.00}. PLEASE do something to help investigate this as my client stands the risk of being sued now because she is $ XXXX short to close the escrow. We have had to extend escrow now so we can try to resolve this issue, but I called Citi Mortgage 3 times today and was just told to send in the info to " Research. '' The supervisor, XXXX, that I spoke to whose ID # is XXXX, would not give me any help and simply told me to send whatever I had into research where I fear the file will just go in the trash as it is clear no one there is willing or anxious to help investigate this matter. She did modify the loan in 2014 and got a higher interest rate ( which is the figure the lender based the amortization schedule on, but it somehow reduced her payment by about {$100.00} a month. She did not make the payment for 7 months during that process as instructed and so it was added onto the back end, but not {$38000.00}!! Something has gone wrong and we desperately need someone with authority to make this lender accountable. 
Here name is XXXX XXXX. WE, many people involved, would greatly appreciate any help you could offer. Thanks in advance for looking into this matter. It is extremely important that we get something done and FAST as we are quickly running out of time. 
Sincerely, 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 2016-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I tried to work with Citimortgage to resolve an issue resulting from a second mortgage that they took foreclosure action on in XXXX. The timing of this action falls under the Cease and Desist order as well as the Consent Judgment filed against them and other lenders, in or around XXXX by the US Government. According to the Order and Judgment, Citimortgage is obligated to work directly with me if I have an issue with their third-party agent, in this case XXXX XXXX XXXX, a law firm. After speaking with Citimortgage representatives several times during XXXX, they told me that the third party refuses to release the file back to them and they can not do anything about it. However, they are under order to bring back files from third parties if consumers are having issues with them, which I am having. In addition, my original issue needs to be resolved directly with Citimortgage. That issue is I should have been offered remedies under the Order and Judgment but was denied access to these remedies by the third party. Please see attached documents regarding the fake mediation and judgment the third party coerced me into and their continued unfair actions against me in light of the Order and 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 2016-02-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XX/XX/XXXX, Home Depot gave us an estimate to have our kitchen cabinets refaced with a guarantee that they would match any lower price. In our research we found that XXXX could give us a brand new kitchen for XXXX less. When we asked Home Depot to price match they refused. I therefore cancelled the contract for the cabinet refacing and supposedly Home Depot removed from my account the {$15000.00} charge from my Home Depot credit card. XX/XX/XXXX, I was notified that I still owed interest on the {$15000.00}. I have made several attempted to get Home Depot Credit Services to remove the {$3800.00} in interest charges from my account, but they keep telling me that will only do that if I pay {$4800.00}. This does not make any sense to me as a consumer. No work was done by Home Depot at my except for the measuring of my existing cabinets for the task that was never completed. For two years my statements from Home Depot never showed a balance over {$8000.00}. Then all of a sudden a balance that was at {$5000.00} jumped to {$8800.00} without any explanation. Home Depot Credit Services and Home Depot have refused to answer questions from my legal assistance lawyers or respond back to me in writing as to how they came up with the {$3800.00} in interest charges on {$15000.00} charge that was removed from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
No warning was received on my 90 day fraud alert. I was only told by XXXX phone rep. today XXXX/XXXX/16 that many different names show up on my Social Security Number ( details not provided ). I provided my proof of my ID : Social Security card with my name and my Social Security Number, California Driver License/ID with old address, XXXX XXXX XXXX bill with my name and current address, SSA Publication showing my SSN card is the legal proof of my SSN number.

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 2016-08-25 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In 1998, opened a Citibank credit card in college. Ever since, they 've charged me a " Credit Shield '' on purchases, which did nothing to my knowledge. When I could n't pay, I was not made aware of any services this " Credit Shield '' provided. Tried multiple times to have service removed. Open several, other Citi cards, never a problem. But in the XXXX decades, it 's cost me thousands of dollars and I want it all back. What a ripoff!

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: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a Citi Bank Att Universal credit card for over 13 y years. I can not manage my account on line since the the account is closed and I am not allowed online access. 
I have to contact customer service by phone in order to make changes or discuss my account. My complaint is about the customer service representatives. They are not professional and totally incompetent. I requested to have my automatic payment reduced from {$250.00} per mo. 
to {$120.00} and 3 different representatives assured me ( including a supervisor ) that the change was made but it was not. Since I can not manage my account online I have no recourse but to rely on customer service reps. 
Last night a rep was just telling me anything and I knew it was incorrect. She was a foreignor and she was totally incompetent and even lied about my account. I want to file a formal complaint about Citi Bank and take any necessary steps to do whatever to have this issue resolv resolved for 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 explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed all my credit cards out of a sudden, without any notification. Only realised it since i could not used it everywhere for a week. Called the Office of President, they will not disclose further nor reopen the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-20 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a creditor by the name of Citibank I 'm currently 15 days past due to pay my credit card and they continue to call me during unauthorized hours. 

Today Sunday XXXX XXXX 2015 I have received XXXX calls from CitiBank attempting to collect the past due balance. 

First call XXXX Second Call : XXXX I have told them numerous times currently and in the past that this is illegal and harassment to be calling me on a Sunday.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I signed up for a Citigold checking account with a promotion for XXXX XXXX miles XX/XX/2016. I completed the requirements for the promotion XX/XX/2016 and contacted Citi to verify. I received a message from Citi stating that I 've completed all requirements for the promotion and would receive my miles within 90 days. After those 90 days passed, I contacted Citi and they did an investigation and concluded that I would n't be getting these miles. I was told in a written letter that I would be getting these miles and now that it 's time to hold up their end of the deal, they are trying to back out. This is outrageous and unacceptable.

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