vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a Citigold checking account with Citibank in late XXXX last year. When I signed up, there was a promotion offer of XXXX bonus. I used the promotion code of the offer to apply for my Citigold checking account online and my account was reviewed and approved without any issues. After my account had been approved, I got the confirmation via Citi online chat session that I was eligible for the promotion of XXXX and this promotion was successfully attached to my account. The bonus would be credited to my account 90 days after I fulfilled the requirements. I completed all the requirements of the offer : XXXX bill pay in two consecutive months and spend at least {$1000.00} in debit card purchases. After I finished these requirements, I got the confirmation from Citi representative that I had met all of the terms in early XX/XX/2016 plus that I was eligible and the promotion was linked to my account. I have digital proof of all the information mentioned above. Reconfirmed on XXXX, and got the information through secure message that the 90-day mark falls on Saturday XXXX XXXX and the miles will be processed to my XXXX account the following business day XX/XX/2016. They suggested me to wait longer since the incentive should be credited no later than the end of the end of XX/XX/2016-statement cycle. But the bonus were never credited to my account. There is no justification for the delay in posting the bonus. I inquired about this problem via online chat and they opened an investigation on XXXX reward over three weeks ago, but they have n't provided any resolution. 
Meanwhile, there is a relatively high monthly service fee associated with the Citigold account and it would take several months for new account holders to meet all the terms and conditions to obtain the promotional offer. It is not justifiable and should be considered fraudulent for Citibank to attract new customers using promotion offer, collect high monthly service fee from new account holders, and not honor the promotional credit after customers opened their Citigold checking accounts, met all the promotion requirements and paid the monthly service fee accordingly.

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 2015-05-28 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Sokaogon Finance, Inc.
State: AL

Complaint narrative:
Also did not send me documents on validating the debt the name of creditor. I have asked them to cease and decist with calling my mother, my job, and also me. The number that keeps harassing me is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have been working with a financial counseling company on a debt management plan to pay off old credit card debts since 2013. I have been making payments faithfully for the past XXXX years and have not missed XXXX payment. I was getting excited because I thought I was getting close to paying the balance off. - only XXXX or XXXX more payments However, in the last month I noticed that my XXXX statement was updated with a new balance and showed that I still owe over {$800.00}. I followed up with the financial counseling company to see why this changed. They said they only recently got an update from Citi reflecting the new balance, but the balance was quite a bit larger. This concerned me so I checked my records, including my credit report. The highest balance on the card that was reported was {$5700.00}. I have paid {$5400.00} to this debt to date. This should leave me with a balance of {$310.00}. Citi is quoting the balance at {$810.00}. I asked the financial management company to contact Citi, which they did, but they could not get a sufficient answer as to the discrepancy and suggested to them that I call. I just got off the phone with a Citi recovery representative, who could NOT tell me where the discrepancy took place or why, and that their system showed {$810.00} as the remaining balance so that must be it. He did verify the beginning balance at {$5700.00}. He was providing me with information on only XXXX year 's worth of reports ( last year ), and told me he would have to request permission to get my reports from when the payment plan started, and I would have to call back in a week. This is unbelievably frustrating that no one can pinpoint where or why the balances are different. In addition, I have not been receiving ANY statements from Citibank, or the company that they apparently sold my debt to.

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 2015-12-13 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a Bloomingdale 's credit card and been a loyal customer for a little over a year now. My bill is paid on-time everymonth. Today XX/XX/2015 I received a letter in the mail from them date XXXX XXXX, 2015 that they were decreasing my credit limit from {$600.00}, to {$500.00}, because they ran my credit and seen that my credit score had dropped, I never authroized them to check my credit and before assuming my credit score dropped because of myself they should have verfiied with me to see if I had some ID theft resulting in fraudulent accounts being open in my name. What crazy about the letter is that although I 'm just receieving it, it says that they ran my credit in XX/XX/2015 and seen this drop and now two months later are decreasing my limit, after I just paid the bill. So now I feel like they are profiling me and assuming I 'm not going to pay my bills. As of today XXXX 2015 my credit score has return back to normal and is fair, my credit score has increased again because I had those fraudulent accounts removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CBNA did an unauthorized Hard Inquiry on XX/XX/2017. Their information mailing is XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX and their contact number is XXXX. When calling the number, the company stated was CitiGold and the only way to talk to someone was to enter my social security number- and I 'm not doing that. I have no idea what this is and did not authorize/approve ANY company to do a hard inquiry. I did ask for a credit line increase from Citibank on a credit card but nowhere did it say on the request that a hard inquiry would be preformed. Can you please remove this Hard Inquiry? Thank you for your 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 explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I had a credit card from Best Buy ( credit provided by XXXX ) that I paid and closed back in XXXX 2013. I 've been contacted over the last year by XXXX claiming I owe Citbank for this same account in the amount of {$420.00}. I provided proof XXXX ( copies of my credit report with identical account numbers reflect Paid & Closed ). They still refused to remove the collection from my credit report. They claim that Citibank is saying it 's valid. But when I contacted Citbank they tell me they never had any communication with the collection agency that has the account. I have going back and forth for almost a year trying to get this removed and so far no luck.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
There is an item on my Credit Bureau reports that is from Citicards showing a charge off. I have requested numerous times for an itemized breakdown of all charges and credits a copy of the application and who made the charges. Have never received a response. The account is now out of statutes. Texas statutes is 4 years the date of last payment is XX/XX/2011 I called citicards today and offered them a settlement and they refused any money for a settlement because the statutes had expired!!! they informed me that the listing on the credit bureau length of time is up to the Credit bureaus. I called XXXX and the told me 7 years. 
The problem is Citicards refuses to settle and I cant get the credit bureaus to remove until after 7 years. seems only right to me that if the statutes have expired and Citicards refuses to settle, the entry on my credit bureau reports should be removed -- please help.

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: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK CAPITAL FUNDING CORP
State: FL

Complaint narrative:
In XXXX 2015 I applied for a refinance through Network Capital Funding Corporation. I was given loan details, loan terms and eventually was provided with a loan commitment. ( see attached ). During that process my credit report showed items which were erroneous and I worked with the respective parties to have these items removed which they were. However, rather than requesting credit supplements from the credit bureau, Network Capital proceeded to request hard credit inquiries again and again totaling XXXX inquiries in two months and a half months. ( the Network Capital hard inquiries are highlighted in yellow and attached ). Thease inquiries severally damaged my credit scores causing additional and unnecessary inquiries to remain on my credit report and thus changed my credit profile and lowered my credit score. 

Beside this, I was told my appraisal would cost {$400.00} ( see attached loan details ) and I received disclosures to that effect, however, Network Capital caused my credit card to be charged {$510.00}. ( see XXXX XXXX statement ) The appraisal was completed and there was no mention as to a refund of the difference. of {$110.00} and I was still being disclosed {$400.00} thereafter!!! When I asked my account rep he stated he the charge was only {$400.00} and he did not know why I would be charged more. Furthermore, I was given a closing date with final disclosures and Network Capital failed to submit the package to a mobile notary who contacted me to set up the closing documents. Network Capital stated that they needed an additional document and was " waiting for the president to sign off the paperwork. '' After another week I requested that the file be transferred to another company, which they did. 

When I started this refinance I was able to qualify for a conventional cash-out refinance with no escrows. Now my only option is an FHA loan with escrows and mortgage insurance. This means that I have to pay over additional {$5200.00} + at the time of refinance and approximately {$190.00} per month for a minimum of 11 years!!! This is over {$25000.00} I did not need to pay - all because my score dropped not because of non payment of debt or addition of debt, I actually decreased my monthly liabilities - it is purely a result of the hard inquiries by pulled and populated on my credit report by Network Capital Funding Corporation.

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 2017-01-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have been adding additional funds to my Citi mortgage payments for the past year. My expectation ( and assumption ) was that these extra funds would be used to reduce the outstanding principle. I was shocked and dismayed to learn that Citi had been accumulating the extra funds in a non-interest balance called " future payments. '' The rep on the phone ( who is going to apply 3 payments to my principle - ticket number XXXX ) said that they can not go back more than 90 days, so the " future payments '' balance still has two payments sitting in it interest free while I pay interest on my principle that I can not reduce using those funds. If I want more than my expected payment to be applied to principles, I am required to move my bill payment for the mortgage from my bill pay system at XXXX XXXX to Citi EZ payments or I can call once per month to have it applied. 

I have had mortgages at many banks in the past and made the same excess funds in my payments and have never seen this. This seems debilitating complex to pay down my principle faster than they prescribe and they appear to have engineered this policy to maximize their profits. 

Should it be this difficult to reduce my mortgage?

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 2015-11-13 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I was sent a citicard pre-aproved invitation for their double cash rewards Master Card. This is the second XXXX they sent. When I went online to accept I was denied a credit card with them. Now my credit score is affected because I took their word that it was already pre-approved. Two times they have done this. I need these applications for pre-approved credit removed from my credit history. Can you do this for me?

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

Complaint narrative:
I had applied for a Macy 's credit card on Macy 's store on XX/XX/XXXX. After it was approved online on the store on that same day, I was able to make a purchase on store with those details. But I did not receive the card yet and was told it would reach to my residence soon. But it never did. I had called Macy 's customer care numerous times and was told due to some logistics issue the card was lost in transit and I 'll receive the replacement card soon. But I never reached to me. However, I made online payment on XX/XX/XXXX from XXXX XXXX for that store purchase. But on XXXX account, the transaction was showing towards Citibank, so I cancelled it later thinking a fraud transaction. But after couple of days, when I called up XXXX I realized it was a Macy 's Citibank card . So I requested XXXX to re-send the transaction. As a result, XXXX debited the amount of XXXX again from my account. So basically there were XXXX debits and XXXX credit in my XXXX bank account for the same amount of XXXX which gave me the impression that the charges were successfully credited to Macy 's Citibank account. Later when Macy 's confirmed they had received the amount on XX/XX/XXXX, I had closed the account because I never received the card till then. However, on my surprise I got bill from XXXX on XX/XX/XXXX that XXXX did not re-send the amount after they had withdrawn it initially. So I called up XXXX bank again and requested them to re-send the amount. They confirmed they had successfully re-send the amount to Macy Citibank. 
But when I contacted Macy Citibank, they said it would take 2 billing cycle to reflect it in my account. But now even after 3 months, Macy 's account is still showing up the charges and they are saying they have n't received the money. I do not how to resolve this issue and I 'm really frustrated because XXXX says they have transferred the money but XXXX Citibank is saying they have n't received the amount. On top of this, Macy has complained to Credit Bureau marking it as Delinquent account. As a result, my credit score has dropped more than XXXX points and has gone from XXXX to XXXX. Please help me in resolving this issue at the earliest!!

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 2015-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX XXXX I set up a joint account for my mother and I. We needed a way to share funds because we are purchasing a house together. I signed up for an account online. I received an email stating I needed to send a bank statement to verify my identity, so I sent XXXX. I later received a call saying that was n't good enough because they tried calling my credit union to verify my information but the credit union would n't share information. Why call my credit union when everyone knows they 're not going to give out my information? Why ever ask for the bank statement in the first place if the statement itself was n't enough? 

So then they asked for more information. I clearly explained to the person on the phone that I was at a new address and did not have any bills at the new address yet and my license still had my old address. He said I could send a copy of my license and a copy of a bill for the current address with my roommate 's info and that would be sufficient. I sent XXXX items and did not get a request for any additional information. 

Then last week I got a check in the mail for my account balance and notification that my account was closed. When I called to find out why, they said the information was not sufficient. I asked why and they could not explain why because the notes did n't have any details. Then they said they could reopen the account. So I waited for a personal banker to get on the line, we went through my request, and they said I would be contacted within 1-2 days to let me know what information they needed to finish reopening the account. 

A week later I had n't heard from anything so I called back. After 10 minutes on the phone, someone finally said that I could not reopen an account that had been opened online. Why was I told differently the previous week? Why did I waste a week waiting for a phone call that was never going to come? They want me to start the process all over without being able to explain to me why the previous documents were not enough and what I can do differently to make sure the account opens correctly. They want me to risk wasting a bunch of time trying to open this account again. I have now wasted a month and a half trying to set up an account. A month and a half I could have been progressing on the house purchasing process. And all because Citi ca n't figure out what documents they want and how to do basic communication with a customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
BackGround : I provided a real estate agent with XXXX cashier 's checks to help my son move into an apartment. Both checks were made payable to the apartment management company. The agent rented the apartment to someone else. I made an inquiry to my bank about the checks and they told me they had been paid. 
I contacted the apartment management company to ask them about the situation. They knew the agent, but had no knowledge of the checks and never received the funds. The bank was able to obtain copies of the checks and from them they determined the checks had been negotiated in a Citibank branch without having been endorsed on the back. 
I wanted to find out who had received the funds so I initiated a fraud inquiry through my bank. The apartment management company, the " Payee '', returned a notarized affidavit to the bank, which, in turn, contacted Citibank to ascertain who negotiated the checks, and into what account the funds were deposited. 

Issue : Citibank refuses to respond to the Fraud Inquiry from my bank.

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 2015-11-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
HI Sir/Madam, Sub : To whom it may concern. 

I applied for XXXX XXXX XXXX access more card form XXXX and approved. they are offering if I spend {$2000.00} in first three month and buy the phone from there provide link from their website then I will get {$650.00} statement credit. I did what they told me and also the lady I placed the order from XXXX bank also stated on my account that I will get my statement credit. But still two month and I did n't receive my credit. when I called them they are asking me to send me the receipt of purchasing that phone which I bought it from their link and also from their credit card. It a false advertisement and waste of time for consumer who have to call and wait for his money. They should stop this kind of advertisement and when consumer call them and placed the order with them as they describe they should issue that credit right away.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently made a payment on a Citbank card that was due on XXXX XXXX. The payment was made on the due date, but for some reason was not credited to my account until the XXXX. I was then charged a {$25.00} late fee even though the payment was made on time, and a delay in processsing prevented the payment from being credited until the next day.

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