vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Macy 's Credit Dept continues to call after payment to bring account up to date has been made. They are the only creditor to call if you are one day late on a payment. Also, when the past due amount is made and acknowledged they continue to call because their system does not update the minimum due for the next month after a payment is made. Example - payment amount due on the XXXX of the month is XXXX. It is made on XX/XX/XXXX. Minimum due the next XXXX of the month is not updated with one day late payment. They charge you a late fee ( which I understand ) but continue to call asking for a " post dated '' check for the NEXT month 's payment which is 25 days away. XXXX????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been in contact with the Citibank to settle their Sears Master card, as they as they promised to take a small sum. But without giving me a chance, they have been addingbeen adding late fees, interest, etc., every month to furhter inflate the total balance. Their customer service does not help, nor theirsenior officials.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
This morning my mother found out that Citicard had switched her to paperless statements without notifying her or asking for authorization. I 'm pretty sure this is illegal but even if it 's not it 's an abuse of the system. My mother is probably like many Senior Citizens in that she prefers to receive paper statements. Not receiving one meant that she was charged a {$53.00} late fee on top of her minimum payment. The good news is that when she spoke to a representative they told her they 'll credit the late fee to her next bill ; my concern is that more people need to be aware of this potentially happening to them and ruining their credit rating. At the very least.

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 2015-12-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am retired aged XXXX years. I lost my job in XX/XX/XXXX. 
My main source of income is retirement benefits from social securityJob loss and XXXX to my wife make me unable to meet financial commitments in paying medical bills and credit card payments. 
I have a debt of {$20000.00} on credit cards since XX/XX/XXXX and a personal loan.from XX/XX/XXXX. 
Till today I am able to pay all the payments to credit cards and personal loans on time while I was in job without any back payments or default in payments at any timeMy main source of income is {$1000.00} from social security as retirement benefits. 
Hear after I may not be able to continue the payments with very high APR.. 
Requesting all the credit card companies to reduce my interest rate to the maximum possible and help me in paying off their dues. 
I am great full to the CFPB management for this helping hand to the needy consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for refinancing of my home through the same bank ( Citi ) which has held my morgage for some time. I initially was told that because of some special program, my credit would not affect me. While I was completing the application on the phone, I was asked whether or not my son ( whose name is also on the Mortgare ) was marry. The answer to this question is yes. I was advise that I would have to take him off the mortgage, and I agree. I was then asked for 12 months of bank statement which shows that I was paying the mortgage from my account. This information was provided. My bank statement has been scrutinized, and Citi Bank is now questing what are some of my payments. My understanding of when a consumer is asked to provide this document for refinancing is to verify whether or not there are enough funds to pay the mortgage, and not for any other reason/s. In my history with Citi Bank I have NEVER BEEN LATE, THE MORTGAGE IS TAKEN TWICE PER MONTH FROM MY ACCOUNT, THERE IS MORE EQUITY IN THE HOME THAN THE BALANCE DUE TO THE BANK, I AM NOT TAKING OUT ANY FUNDS, ALL I AM TRYING TO DO IS TO PAY LESS MONTHLY, in order to save more for my retirement. Therefore, why the hassle. It is my opinion, this is due to the location of the property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
We have been trying to get Citi Mortgage to work with us on some type of modification on our loan, we had a hardship and followed the correct procedures and worked with a consomer credit counsolor to get a solution to keep our home, It has been in my family over 65 years and I do not want to lose it. Citi Mortgage has played along like they are trying to help us but never actually do, they kept switching my contract person, I think I had a total of XXXX different people at XXXX time, I sent a Qualified Written request letter request some informaiton on our loan, they sent some info but not the main information that I wanted. 
We have went to court, In court I stated the only way that they are a debt collector and call us and state theya re trying to collect on the loan is if they bought our loan when it was in default. And that is exactly what they did, but when I ask for our assingment records they will not send me the documentation on it. 
everytime I have talked to them they state XXXX XXXX owns our loan. 
I am currently seeking the help of a local lawyer and will appeal our case, there are several things they did wrong. The Judge did not seem impressed with the laws that I had stated that were put in place to protect the home owners and her attitude was, I will let them win and they will still work with you to keep your house. Which I do n't think they will do, so I need to act quickly to the court and make them understand these laws and rules are put in place for a reason and if judges just dismiss them and do not abide by them what good are they? 
Any help you can give us whould be greatly appreciated. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Sir or Ma'am Our names are XXXX XXXX XXXX XXXX and XXXX XXXX. We applied for " Making Home Affordable " Home Loan Modification '' XXXX 2015 as we are experiencing financial hardship and responsible for XXXX of our sons who has a XXXX. We have been in our home 7 years. Our Mortgage is with CitiMortgage Inc. through Department of Veteran 's Administration VA Home loan. Citimortgage loan number XXXX. We have not received a decision on our Home Loan Modification application. This week we received notification of being referred to foreclosure. Just checking to see what options may be available to assist us in staying in our home. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ( 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 2016-11-15 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Since XX/XX/2016, I have had issues with XXXX merchants for services/products not received. I disputed the charges on multiple occasions to have them reversed. I also submitted documentation to the fact. CitiBank has willfully neglected the information I have provided and allowed by account to go into a state of applying credits to disputed items. I requested my account closed on several occasions and was denied.

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 2016-02-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have a promotional credit card with Home Depot. They regularly send me offers and I decided to take out a promotional card offering 0 % interest for a home improvement project. I did this a few years ago and it worked out very well but this time they started charging me interest on what they call a revolving balance. It 's on the XXXX page of the bill with no reference on the first page and it started after months of paying the bill. I feel this is misrepresentative/false marketing and a way to get more interest from consumers.

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 2015-05-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a Macy 's credit card. 
Back in XXXX, I had called their agents to set up the automatic payment. I was told that my request has been taken care of. But later in XXXX, I received a non payment notice. Upon receival of the notice, I contacted the bank for more information and learnt that there is no auto payment set up on my account. They were happy to remove the late fee but are not ready to correct my credit bureau reporting. I reached them out repeatedly through various channels but they are not accepting my request. As a consumer, I do not have any documentation of the call and detail of what was discussed in the call, but I was informed on XXXX that if a payment is made after auto pay setup, auto pay set up gets cancelled, ( I was not informed about this back in XXXX ). 
I have also not received any statement after XX/XX/XXXXXX/XX/XXXX which might have told me about the amount I owe and is not paid. Macy 's also did not send any such alert as well that would have helped me as a reminder of a non payment or auto pay getting cancelled/non setup. 

I have no way to prove that I have requested any such service because this issue never happened with any other banks that have auto payment set up option.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I submitted a dispute to Citibank on my credit card with them. I had an unauthorized charge on my account from the XXXX XXXX XXXX for {$230.00}. They have not reversed this charge. I would like this charge removed from 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 explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Bank was running a promotion where you could earn XXXX of their thankyou points after opening a citigold checking account and meeting a couple of requirements. I talked with a citi employee, XXXX, to see if I qualified for this promotion before opening it. I was told that, in fact, I was on XX/XX/XXXX. 2 months later I was told by a different citi employee that I had met the requirements and my points would post XX/XX/XXXX. When they did n't post I contacted a citi representative who opened an investigation. This investigation concluded that I did n't qualify for the promotion and would not receive any bonus points. I called to explain to a manager that one of their employees had confirmed I was qualified and asked why I was told this if it was n't true. A new investigation was opened which ended with the same exact document being sent to me on XX/XX/XXXX saying I was n't qualified. During this time I have been charged the monthly service fee of {$30.00} even though my points have not been given to me as promised.

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 2016-03-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XXXX I took out a car loan with Citibank which put a lien on my title. Down the road they sold the loan to XXXX bank. In XXXX I made my final payment to them but never received a lien release. I contacted Citibank several times, but they were of no help. 
So where do I go from here ... .Any help that you give me would greatly appreciated.

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 2015-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Solidus Group LLC.
State: OR

Complaint narrative:
Clear Credit Solutions Company left voicemail, claiming a serious claim will be filed against me if I do not respond to their call referencing a Claim number and stating that serious allegations were made against me and will be pursued if I or my representative do not respond to their call.. The company 's representative did not leave his name identifying himself or what potential claim or creditor or debt the represent. This is clearly abusive and bullying in an attempt to collect a debt. The message never stated that they were attempting to collect a debt. It stated that serious allegations have been submitted and a claim will be filed against me. The message has left me shaken and unwell as I am XXXX and have XXXX concerns. This practice is clearly in violation of both State and Federal Fair Debt Collections Act. The message has been archived as evidence that the statement I am making is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have requested XXXX XXXX to run a credit report to conduct potential refinancing of my home mortgage. They ran that inquiry on XXXX/XXXX/16. That inquiry showed XXXX other inquiries, XXXX from a XXXX source on XXXX/XXXX/16 and another from a CBNA on XXXX/XXXX/16. I did not request and am not aware on a request by me for either of these XXXX inquires. I want them removed 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 non-monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
One main put a hard inquiry on my credit report that I didno consent to

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
The Costco and XXXX XXXX arrangement ended in XXXX 2016. Costco and XXXX XXXX agreed to automatically enroll customers into the Citi-Bank Visa program without customer consent. I terminated my XXXX XXXX card 3 months prior to the transition between XXXX XXXX and Citi-bank, yet, I received a Citibank Visa Card. I cancelled the card shortly after realizing I had been fraudently signed up for the Citibank card. It 's now XXXX 2016. I find out through the Costco Warehouse account that the card I cancelled was n't cancelled and that Costco fraudulently charged my renewal membership to the card without my authorization. I again have tried to cancel the Citibank card to find out I need the entire card number to cancel it. I never received any mailed statements or literature from Citibank on the card. I again requested a written statement from Citibank that the card was cancelled. I was told I could only cancel the Citibank card once I have the full statement and account number available to cancel the card. This is fraud on both Costco and Citibank.

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 2017-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have just completed paying off a mortgage with CitiBank, I had automatic withdrawal for my payments with the last payment due XX/XX/XXXX and I owed a final, partial payment of {$430.00}. Instead, they withdrew the full {$980.00} minimum payment as well as the {$50.00} extra I had been paying monthly. I called them the XX/XX/XXXX and they claimed the refund was in the works. I called again XX/XX/XXXX and was told that that direct deposit to my XXXX XXXX checking account was not possible but they would expedite the check and it be created by XX/XX/XXXX. I was also told that it was routine for the entire last payment to be withdrawn 'in full ' even if less was actually owed. I have received formal notice that my account has been satisfied and a refund is due me. 
Since this is their normal procedure and the refunds are typically delayed a month, this seems like a nice money maker for CitiBank - they can use my money free-of-charge. I would go so far to say that this appears to be a calculated scam - taking more than is owed and then repaying the overage ( without interest ) with much foot-dragging.

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 2016-06-28 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
There was a hard pull ( inquiry ) made by CBNA ( Citibank national association ). I do not have an account with this company nor did I give them permission to pull my credit report as well. This event has unfortunately caused a drop in my credit score and I would like this hard inquiry removed from credit report as soon as possible. Thank you.

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: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Issues regarding Citibank credit card and autopay as they continue to withdraw money every month out of my checking account to an unknown account they can not locate. Initially they told me I can not remove my name from account as an authorized user and Since I was an authorized user, they are unable to assist me in finding or removing this auto pay. Money continues to come out of my checking to date. I am going to have to close my long standing checking account to fix this mess of unauthorized charges

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Macy 's has repeatedly asked me to pay money to them that I do not owe them. I paid off my Macy 's credit card in full and they continue to add on fees to my {$0.00} balance. I had the account closed, and even after this, Macy 's claimed there was interest due on a residual amount. So I paid this amount. Then Macy 's continued adding fees onto a {$0.00} balance. This has continued for two years. They repeatedly call my parents to harass them over this " debt '' even though I have repeatedly informed them that I do not live with my parents. I have no account open with Macy 's, I have not bought anything with the card I previously had, and Macy 's continues to add on fees to a non-existent balance on a non-existent account. I have spoken with Macy 's numerous times and told them I want any account I have with them closed, and they told me my account was 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 monetary relief
Consumer complaint received 2015-10-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I requested a two-month forbearance for my private student loan and my request was denied by " the system. '' Citibank was unwilling to consider alternative payment arrangements, despite my recent unemployment and my cosigner being on a medical leave of absence. I have no history of late payments and am not sure how soon I will be able to make a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I signed up for a Citigold XXXX XXXX XXXX Promotion and I was told by a number of citi employees that I was confirmed to be eligible for the bonus. I have even payed fees associated with the account in anticipation that I would be receiving the bonus. I have attached here proof representative stating that I would be receiving the bonus once I met the minimum requirements which I did meet. Also a in branch representative, XXXX XXXX XXXX, at Citibank , N.A . XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, assured me in person and by voicemail that I would be receiving the XXXX Miles. The representative was very kind and thoughtful. However, I still have not received my XXXX XXXX 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 monetary relief