vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XXXX 2016, CitiBank advertised a promotion that if you put {$50000.00} in a Gold savings account that in three months, you would receive a bonus of {$500.00}. It is now XXXX 2016, and no credit has been made to my savings account. I have submitted numerous inquiries to the bank and they have been denied. I also contacted their executive response unit three times and received no response. I feel that these are deceptive business practices and other individuals across the nation have complained about this practice.

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 2015-04-14 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have a credit card XXXX XXXX XXXX XXXXI have a balance of about $ 3500I am a XXXX XXXX veteranliving in a retirement home -- XXXX years oldThey are bialling me at {$290.00} per month- I can pay about {$100.00} -Macy is crrentlyf ining me each month I want to pay and have been paying my account up to date for several yearsCan I get a mediation??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Activated citibank Debit Visa card on XX/XX/XXXX. Expired on XX/XX/XXXX. Citibank says that any monies on card at expiration are theirs for accounting fees per agreement at time of purchase. I saw no agreement at time of purchase. 

XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Was in the process of looking for housing and did not even know there was a judgement on the account. I only found out because I wanted to get pre-approved and the mortgage loan officer informed me. If I had not run the credit report, I never would have known there were XXXX judgments with a substantial amount of debt on them. In this complaint, I will be addressing XXXX bank, Citibank. 

Citibank cost me and my family greatly since we were unable to secure the desired housing we sought after. Not only that, My wife ( XXXX ) XXXX at the time and myself lost XXXX of dollars because we were unable to afford proper housing due to the recent judgment. When making several attempts [ to correct the issue ] with the associated debt collectors, no one helped, As a matter of fact, on various occasions, my wife was yelled at and hung up on when trying to communicate by phone. 

I can not spend hours on the phone trying to convince someone to let me speak about an account that they did not even want to discuss with me. They told me they could not help me unless we could confirm information on the account. Well, why place something as significant as a judgment on someone 's account if you wo n't take the extra step to confirm social security numbers and birth dates? 

Before a creditor of any sort and especially one such as Citibank should not report anything to the credit bureaus unless there are proper actions taken to confirm one 's identity associated with the account that is being reported. 

I did not receive any letter of the accounts. I did not receive any letters or phone calls asking to confirm the information reported. Not one person out of thousands of workers for Citibank contacted us. And when I had to take time out of my working day to try to contact someone, I was faced with an uphill battle dealing with rude and incompetent workers. The management team was just as bad as their lower level workers. 

It has been over a year ( originally found on report XXXX/XXXX/15 ) and the judgment is still there and no one has even tried to call or anything. There has been nothing done about this issue.

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 2016-12-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had my first mortgage with XXXX XXXX modified in XXXX of XXXX with a XXXX Loan. I contacted my second mortgage lien with Citi Mortage in XXXX of XXXX to find out if they were going to modify my loan with the same terms. I contacted my Home owner 's support specialist at CITI XXXX XXXX at XXXX who stated that Citi Bank should have modified my loan automatically in XXXX with the same terms as my first Mortgage. She said it usually automatically done when they are notify by the XXXX. Citi Mortgage failed to automatically modify my first mortgage in XXXX and now are making me re apply for the XXXX LOAN and resend all new paperwork and application. I am worry because I understand that XXXX will expire in XXXX XXXX. My understanding with the XXXX rules is that the second lien should be modify as soon as the first mortgage is approved with XXXX without having to re apply.

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 2016-06-29 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Macys credit card and i wanted to place an order which never in the past i had an issue and when i was on the chat screen with someone from Macys they told me i was past my credit limit and i asked how much and they well your limit is {$600.00} and you are at {$800.00} and something cant quite remember the exact amount. but i said " WHAT! '' how can i be past my limit when i was never told i was past my limit and to this date i get emails from you saying to pay the minimum due which is {$29.00} and i pay {$30.00} or more! How can they do this isnt this a ripoff?? if im at my limit there should not be any more charges past that amount!! I should only be charged the {$600.00} which is my credit limit! 
please advise me or let me know what to 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 explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
While married, I added husband as authorized user to Citibank card. Trying to now remove him from the card and they state that it is a joint account. I asked how it was a joint account, as I have owned the credit card prior to knowing him. They stated only way to have joint account is to have XXXX applied for card at the same time. I have been a cardmember for 14 years, they tell me, and I 've only known my ex for 8 years. there is no absolute way we signed up for this card together. In fact, I never had a joint account with him at all accept for his business checking account. We never had this as a joint account and they refuse to remove him. In order to do so, I would have to pay off the XXXX balance, which i can not do, or close the card and reapply for a new XXXX. But the second option would still have us in the same situation. This is hurting his credit now by having this card showing as a large amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank, withdraws funds from my account without record as to why, and without proper notifications or consent. I do not believe Citibank follows due process in alerting customers and keeping proper record of such transactions. 

For example, I just had a {$600.00} ACH withdrawal from my account and the bank " could not provide any explanation or details on the incident ''. Yes, thats correct. Money was withdraw without authorization, explanation, and nobody has a record of why this occurred. 

In detail, On XXXX/XXXX/2017 I received a promotional credit of {$600.00} from Citibank for becoming a customer. Today, they subtracted the {$600.00}, nobody from customer service could provide an explanation. However, when I asked was this an employee or computer error ; the representative then stated it looks like human error, but could not provide any further info. Thats alarming cause that would mean some unprincipled, deceitful, and unreliable employee has access / rights to subtract funds from customers without a proper trail or report as to what happened. 

I am contacting you cause I think Citibank is abusing its power / size, in attempt to break laws or at minimum show little regard towards there customers interests. 

I would like your assistance in obtaining a synopsis from Citibank, outlining who and how their employees have access to and can make changes ( including withdraws, credits, and contact info ) to customers accounts without formal notice nor proper records of such transactions. 

If Citibank can not keep proper records of there own activities then how to they protect customers. A global bank of this magnitude should have meticulous records ; not " I do n't knows ''. 

A PDF copy of Citibank 's promotion has been attached. Where as you can compare their terms and conditions against there own unlawful actions. Im wondering if they tried pulling a fast one. For instance, if I did not make a copy of this flyer, they could then find reasons to go against there word and take back an offer ( false advertising or trickery ). 

Your assistance is greatly appreciated. I want to make sure similar activities do not happen to others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX I received a court document showing a lien against me in California. I live and work in XXXX so this envelope came to my parents house by regular mail. I emailed XXXX asking for proof of it being my debt ... no answer. I gave permission for XXXX to negotiate pants with mom ( revolving acct opened XX/XX/XXXX- no pmt made since XX/XX/XXXX. They would not agree to payment plan or negotiate a lesser amount. 5 days later, with no notice, {$2000.00} was removed from my bank account and I am now stranded in XXXX-with no $ $ to return to work after the holidays in XXXX. 

Does all of this seem legal? 

XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I charged around {$54.00} on a Home Depot card. I paid {$35.00} on the card prior to receiveing the bill. They charged me a {$36.00} fee because I did not pay after I received the bill. I paid the finance charge and balance off because I was really mad. It was paid by electronic transfer by the due date. They charged be another {$36.00} fee saying it was a day late, but that 's not what the EFT from my bank says. Home Depot is trying to charge me {$75.00} fee on a {$54.00} purchase even though I paid in advance and on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-27 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: SFS, Inc
State: IL

Complaint narrative:
In 2010, I applied for a {$250.00} payday loan through OneClickCash. I was under the impression that I was going to pay no more than {$90.00} for this loan. It 's a lot but I needed the money. The funds were taken out of my paycheck and after I had already paid back {$350.00}, an email stated that on my next payday, they were going to take {$140.00} more. I wrote to OneClickCash at that time and said they already received {$100.00} more than what I borrowed and now they wanted more? They responded that my loan was paying as per agreed but I really do n't recall signing up to pay back triple than what I borrowed. I would have never taken the loan to begin with if I knew that. 
I contacted my bank and told them what was happening and they told me they would take care of it. I believe the bank saw it as a scam and blocked OneClickCash from accessing my account. 
That was 6 years ago. Yesterday, I received a call from XXXX. When I answered the phone, it was a recorded voice saying the call was for me and if I was n't the person to hang up. It said if I was the person to either call back or press 1 to speak to someone. I opted to speak and I was connected with XXXX. She proceeded to tell me that I will be charged with fraud and that my license will be suspended and my wages garnished. She only said that she was representing XXXX XXXX and never told me where this originated. She also said that she had talked to my previous bank and claims that I told the bank that I did not recognize these charges and had them block the vendor. 
I told her that I recall having an account in the past but did not remember who it was with. I said that I had paid the full borrowed amount plus an extra {$100.00} and as far as I was concerned, I do n't owe anyone. She was hard to talk to and I had a hard time getting a word in. It was like she did n't want me to talk. She said that she would mark this as me refusing to pay, would charge me with fraud, would garnish my wages and suspend my license. 
I had a brief conversation with my attorney in which he suggested to call and ask they send proof. When I called, the number was busy most times, but when I did get through, it went straight to voicemail with no announcement of the company name, etc. I left a brief message with the case number they provided ( XXXX ) stating I would like documentation of this and provided my employers address to mail it to. I have not heard anything back.

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 2016-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I had an outstanding home equity loan ( HEL ) with Citibank and was about halfway through the payment cycle. However, in XXXX, I declared bankruptcy and the property that the HEL was held against was foreclosed upon by the private mortgage note holder. Since I have no other property ( real estate or personal ) that could be used as collateral, I requested that Citibank remove the lien from my credit report ; per their XXXX XXXX XXXX letter, I can request that since the property is in a foreclosed status and I have no other assets they can claim. I wrote them on XXXX XXXX, XXXX but have not heard back. I contacted the New York XXXX but CitiMortgage refuses to provide them any information.

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 2015-08-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I missed a payment during XXXX 2015 and my account became delinquent. During this time, I was being treated for a medical condition that had me out of work and my covered by the Family Medical Leave Act for over XXXX months. During this time, I underwent multiple outpatient procedures and was heavily medicated. After my treatment concluded, I tried to get my affairs in order with all my credit card accounts. I contacted Macy 's to advise them of the matter and a young woman took the better part of an hour to help me with my account. She had to check with her chain of command and was able to waive the late payment fee and the interest charged to the account. I specifically asked if this would be reported because my biggest concern was the impact to my credit. She confirmed that removing the fee and interest would remove any delinquent status from my account and that I would not be impacted due to this change. 

I am now in the process of refinancing my house and see that Macy 's is reporting on my credit. I called to speak with their credit bureau team on XXXX/XXXX/15 and was told by both a rep and manager that no changes would be made. I informed them that I was previously advised that the reversal of the late fee and interest would not impact my account by the person who helped me. They both said that no one in the credit collections department would ever tell me that. I informed her that other credit card companies I spoke with ( XXXX, XXXX XXXX, XXXX, XXXX XXXX all updated my accounts so that any delinquent status would not reflect due to my medical emergency and treatment. The manager stated that Macy 's Credit Card company policy is NOT to make changes to accounts with late payments because they do view a medical emergency and treatment as an excusable event for not making a payment to their account. I asked for the matter to be reviewed since I was specifically told the account would not reflect delinquent or affect my credit. I informed the manager that I would be filing a complain against Macy 's for providing false information. She did not offer to review the call or research the matter any further.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I filed bankruptcy several years ago and after going through 8 mos. XXXX with Citimortgage, they finally did a loan modification for me, after " losing, misplacing or throwing away '' the XXXX set of about XXXX pages of my financial info I had faxed to them. I have XXXX high interest credit cards & have been turned down twice for loans, one at my own bank. Two years ago I needed a new furnace & could not get financing for that : had to buy space heaters & it was a cold & very expensive winter. I got copies of my credit reports & find that my mortgage payments are not being reported, though I have made a real effort trying to rebuild my credit history & I believe every one of my mortgage payments since the modify have been on time or days early. I called the lawyer & he advised me that I would have to reopen the bankruptcy to change anything, though the papers clearly show I intended to retain my car and my house at the time. Citimortgage says I could re-do my loan to get them to start reporting. I am not paying anyone, courts or Citi any money for them to do what they should have been doing all along. They get my money every month as agreed ; I deserve to have it reported, retroactive back from when I redid my mortgage loan. I also requested a " simple '' list of all payments made to them since the modification & I have attached one example page of what they sent me. I need something similar to what it would show on a credit report-when it was due, when it was paid, not all my tax info, my interest info, etc. that is no one 's business but mine. They closed my complaint as if they had resolved this. I sent an email to the woman working on my case telling her basically " thanks for nothing '', that nothing was resolved and that the list of my payment history was totally unacceptable. I got another copy of payment history which was a bit clearer to read, but still gave way too much extra confusing and personal information about my mortgage. They just chose the lazy way out-something they could get out of a computer. The reason the one page from the bankruptcy that I attached looks weird is that something got spattered on the corner of the paper, so I tore if off & put another page of the bankruptcy under it at the top.before copying it.

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 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
citi mortgage contact me on XXXX/XXXX/2016 regarding a mortgage payment due XXXX/XXXX/2016 I made an arrangement to pay on XXXX/XXXX/2016 citi mortgage contacted me again on XXXX/XXXX/2016 again regarding the exact same payment I just made a arrangement for the day before. 
citi mortgage contacted me on XXXX/XXXX/2016 XXXX XXXX regarding payment due on XXXX/XXXX/2016. I made an arrangement for payment XXXX/XXXX/2016. citi mortgage contacted me again on XXXX/XXXX/2016 XXXX XXXX regarding the exact same payment. I spoke with manager XXXX id # XXXX and manager XXXX ID XXXX. I was advised my only option to stop being contacted twice within 24 hours regarding the same payment was to send a cease and desist.

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 2016-07-12 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Citi does not allow you to pay your pending charges before they post on your account, meaning they will always be able to charge interest at the end of the month regardless of a customer 's ability and willingness to pay off the balance. 
Also, the customer portal does not allow all cardmembers who share an account to see the transactions made by other cardmembers. Truly a terrible system, as there is no ability to watch for fraudulent transactions without logging into XXXX accounts. We have had the card for a couple months, but we will be going back to XXXX XXXX tomorrow.

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 2016-10-26 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I spoke to best buy credit card services. I always set up payment arrangement and tell them my financial problems. I 'm current on this account until next month. They closed my account and said they have a problem with me. The customer service representative i spoke to was so rude and told me that if i paid my account on time and not be like the rest of the world ; my account would n't be closed. I told him i wanted to speak to a supervisor and he hung up. This company is very rude. Well Citi Bank is who lends to Best Buy.

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