vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
Requested a payoff quote by fax and certified mail over 30 days ago. Will not provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Second attempt : as per my phone call to Citi on XXXX/XXXX/16 previous document submission was not able to be read so attached is a second copy. I will be filing complaint to the consumer finance department and XXXX for Citis lack of communication and ability to resolve issue in a timely manner. This dispute has been ongoing for months and Citi has not effectively communicated with us and despite numerous phone call and hours of being on hold. 

As per original dispute : transaction on XXXX, 2016 the original engine core Charge of {$500.00} invoice of transaction and bill with charge are attached to the original transaction pdf file. 

On XXXX XXXX Engine was exchanged {$0.00} invoice attached. On XXXX XXXX Core engine was returned and refund of {$500.00} from original engine purchase date of XXXX XXXX, 2016 should have been refunded instead my Citi Card was charged additional {$500.00}. 

I would like this situation resolved as soon as possible vendor already stated this transaction should have been a refund not a charge and Citi has not worked with me in resolving this has has provided the worse customer service ever!

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: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This number calls my phone repeatedly every day seven days a week. I looked it up online and it says it is a collection agency for Macy 's but that they may be a scam. i have a macy 's account but it is not delinquent and does n't normally even have a balance. The number that keeps calling is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XXXX XXXX, 2011 XXXX XXXX XXXX Bank charged off my account even though I was attempting to re-negotiate a monthly payment plan. Furthermore, without prior notice Macy 's summarily referred my account to a collection agency. I learned the latter when I requested and received from XXXX a copy of my credit report. For over 5 years I 've disputed the latter information and sent over XXXX letters. Macy 's has ignored me and states it will not remove the charge off. When I received a letter from the collection agency ( XXXX ) I paid in full the charge off balance of {$720.00}. It is my understanding that a creditor such as Macy 's can not submit an account for charge off until it has provided me prior notice of its decision. I am wanting the charge off and all other adverse information removed from my XXXX credit bureau reports. Please help

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 2016-08-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened an account in order to do a balance transfer from a Citibank card to XXXX XXXX. I attempted the transfer online but it did n't seem to work and I never received a confirmation from XXXX XXXX. I contacted them and did the transfer over the phone a day or XXXX later. The transfer took place but I noticed a negative balance on Citibank. It turns out the first transfer was processed. I have contacted Citibank to get a credit to my bank account to set everything straight. Citibank said the credit would happen in 3-5 days but it has now been 10 days. I contacted them again and now they are saying it will be two weeks.

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 2016-07-15 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I signed up for paperless billing with Citi for my new Costco Citi Visa card. When my statement period ended ( 10 days ago ), I did not receive an email notification regarding my statement.

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 2015-08-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The Citi bank credit card on my credit reports though in good status is not in my name! It is in the name of my live in companion but has nothing to do with me. He has had the acct for many years but it should not be on my credit records and would like it removed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was issued a Citi Credit Card with Costco after the shift from XXXX to Citi Visa. 
I called on multiple occasions to add my wife to the account so she too may have a card. Citi most likely has access to all the calls, I estimate at least XXXX10 calls were made to add her. Once added I was told a card would be in the mail soon, this was in mid XXXX. Two weeks later I call again, this time they send me to Customer Service who confirms a card was not sent although my order showed it was complete. So they said they would send a card. Nothing. 
I call two weeks later and again they say it was supposed to be sent but was n't and promise to overnight it. I am not kidding, but this happened now two MORE times! 
I have spent over 1.5hrs calling and waiting with Citi and they have not sent me a card they promised to send 5 different times. The last call ended with a supervisor promising to call me at XXXX XXXX on XXXX XXXX. It is not XXXX and no call has been received. 
These practices by Citi should be reviewed by the CFPB, I am being strung along and Citi is making promise they are not delivering on. All my calls and attempts have lead to nothing, and I have nowhere else to go.

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 2017-02-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hello, I have called Citibank for a total of three times with an unresolved issue. My account has been locked. When I called Citibank, they requested a phone verification in order to verify my identity. I provided the home number of my father, an authorized user, which they called and provided a reference number. When I called back with the reference number, the bank further refused to verify my identity and asked for a fax of my ID as well as social security card. I am currently living and working abroad and unable to as well as uncomfortable with faxing sensitive information to the bank which I can verify over the phone.

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 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was given a document from CitiMortgage stating that if I made my four consecutive mortgage trial payments I would be given my modification. This started back in XXXX 2015. During my last contact with Citi I had a representative from HOPE on the line to help me with my questions. I was given assurance that my mortgage documents were to be sent out in the next two weeks or so. Then I heard nothing for about 6 weeks. I called again and left emails and messages ( that I have copies of if needed ). Finally XXXX XXXX called back to tell me Citi forgot to set up an escrow account so XXXX XXXX refused to fund my loan. Citi actually caused my mortgage to fall behind at first in order to get the loan, but then forgot to set up the account so I then became current AGAIN. I payed exactly what I was told. XXXX informed me that because Citi set the account up incorrectly I had to start over with my trial payments. This means another four months of waiting. The final nail in the coffin is that I WAS TOLLD I MUST CONTINUE TO MAKE THESE PAYMENTS OR I WILL BE DROPPED FROM THE MOD. BUT CITI STILL HAD NO IDEA HOW THEY WOULD SHOW THAT I AM NOT CURRENT MEANING THE TRIAL PAYMENTS HAVE NO END! I was never behind on any payments but I was forced to set this entire modification up in order to get my EQUITY line modified. I am a SINGLE MOTHER AND FULL TIME XXXX WITH NO SUPPOORT. I HAVE LITERALLY SPENT HUNDREDS OF HOURS ON THE PHONE WITH CITI OVER THIS WITH NO RESOLUTION. THIS PROCESS HAS CAUSED ME EXTREEM EMOTIONAL STRESS. 
MY DESIRED RESOLUTION IS FOR CITY TO HONOR THEIR PROMISE AND COMMITMENT TO COMPLETE THE MODIFICATION PROCESS IMMEDIATLY AS PROMISSED. 
Sincerely 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 2016-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I signed up for a Citi Gold Checking account online and entered a promotional code ( XXXX ) that I was mailed in a credit card statement. The promotion stated that I would receive XXXX XXXX XXXX after completing bill payments in two consecutive months and completed debit card purchases totaling over {$1000.00} in 90 days using the Citi checking account. I received verification during the online application process that I was eligible for the bonus and checked again with a representative a few days later. A month after applying online and completing the promotional requirements, I received confirmation from a Citi representative ( XXXX/XXXX/2015 ) through secure message that I had met the promotional requirements and the representative stated I would receive the promotional offer within 90 days. On XXXX XXXX I inquired to the status of the promotion and was given a wait time of 30 days before the miles posted. On XXXX XXXX, I again inquired to the status of the miles and that 's when Citi stated they needed to perform a investigation to determine whether I was eligible for the promotion. On XXXX XXXX I received notice that I was indeed eligible and all Citi needed was my XXXX account number. I supplied the account number and received another notice on XXXX XXXX indicating another investigation needed to take place to determine the status of the promotion. 

Frankly, this run around is getting ridiculous and I 'm tired of being promised something XXXX day and then the next day the story changes. I 'm not sure how a bank can possibly operate in this capacity and expect to maintain customers. I 'm hoping that this CFPB complaint can bring this mess to a close and I can move on to bank who does n't trick their customers.

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 2016-01-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My grandmother passed in XXXX, left property to family. I was listed on said property and when I tried to take over payments I was told I was unauthorized. I sent in numerous doucuments that they asked for, I was still denied access to this account until XXXX, XXXX. At this time the property was placed in forclousure. We went to court, the Judge ordered citifinanical to work with me to resolve the issue. They did not. I am working with XXXX and I know what they have done is illegal. please help me. They have taken my property and are trying to evict me using the same documents that should have allowed me access to the loan to enable me to pay the debt. when i sent in payment of any form it was denied,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX Money Lost for ever XX/XX/2016, an international wire transfer for {$6000.00} was sent to a citibank XXXX, with an outgoing confirmation number : XXXX, after more than 16 Business days and the money never arrived I called the bank on XX/XX/XXXX and I did a recall of the money, and I asked them to trace the money, it has been more than 2 Months now, and I called almost every single day including the branch manager called XXXX ' at this number XXXX, and all they said is that they do n't know where is my money and that posible the money is lost for ever. and I will never get it back.

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 2016-09-01 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
RE : Home Depot Credit Card by Citibank. 
Everyone has been covered up with request to convert to paperless statements. What I learned today from Citibank was when you do this you are automatically removed from account alerts. Thus a charge of {$23.00} becomes {$120.00} when the late fees are piled on. Contacting them via phone, I was advised that they would only be able to remove XXXX of the XXXX late charges.No supervisor was able to address my complaint regarding the blindside from this company. I can only surmise that the reason for stopping account alerts was to increase punitive fees and increase income for the bank. I hope that this issue gets to class action status and the crooks will be forced to find another sneaky way to rob their customers.

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 2016-08-21 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's credit has contracted with outside collectors in the XXXX, XXXX, XXXX, and other area codes. Their credit department is located in Ohio and none of these area codes are Ohio area codes.This means, they have sent my information to contracted collectors throughout the U.S. to attempt to collect a debt which tye refused to take smaller payments on until my finances recover. I had a faulty electrical wiring fire in a home I rented in XX/XX/XXXX and finally got into a new home XX/XX/XXXX.I am a XXXX. This will enable me to complete the process of catching up with my Macy 's bill, the ONLY overdue bill I have. I am concerned about people knowing where I live, work, and ruining my reputation XXXX in which I work and live. Macy 's had no business giving out this information to contracted debt collectors. 
Debt collectors call my home phone and cell phone no less than 10 times a day. I have placed a " tracker '' on my cell phone and XXXX XXXX has records of all the calls from Ohio and other area codes. My phone records can be retrieved from XXXX for my home phone. They also call my adult daughter 's phone looking 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 non-monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi has a deceptive practice for notifying customers of past due balances. This practice maximizes fees, while leaving the cardholder with little regulatory recourse. I rarely use the credit card, and had not looked at the account recently. Without my knowledge, a charge of {$29.00} had been made to the account. After the account was 62 days past due, I received an autodial collection call to my cellphone ( which I did not consent to ) alerting me to a potential problem. The total fee accumulation was {$62.00} ( coincidently ). 

So now I have {$62.00} in fees, and possible negative credit bureau reporting over a {$29.00} charge that I did not make. If Citi was concerned enough to make a collection call after all the fees had been assessed ( day 62 ), they could have been fair and made an attempt prior to day 60, when it looked like payment was n't forthcoming. This would have provided me an opportunity to dispute the charge in writing ( per Reg Z ), and avoid the second late fee. The practice is unfair and unnecessarily drives up revenue, while leaving the cardholder with few options. 

To make matters worse, I called the collections rep ( via the number provided by the autodialer ), and she said that I could n't get help with my credit reporting concern unless I wrote to a P.O. Box. She said there was no number. After the conclusion of that call I tried the regular customer service number, and was placed on hold by the system. After ~35 minutes of being on hold, I hung up without the opportunity to speak to an actual person. 

Bottom line, I feel Citi maximized their fees at the expense of the customer, and failed to provide a reasonable means for exploring a solution.

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 2016-11-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
After cancelling my XXXX XXXX in XXXX of 2016, I received a preloaded visa debit card with a refund of XXXX on it. Enclosed with this card was information on having the moneys transferred to my bank ( XXXX XXXX XXXX ). I filled out the form for Citi Bank and requested them to transfer the moneys, these moneys have never to date made it too my account. I was given a case # by XXXX XXXX. I have contacted Citi bank several times in the last six months and all I am told is that the funds where sent and this case is closed and I should contact my bank. I have contacted XXXX and they told me today finally to call back Citi and ask them for the XXXX # and the ACH tracing # and the Settlement Date. Today XXXX/XXXX/2016 I did contact Citi for this information and was told by them that there was no XXXX # or ACH information for this Visa account ( card XXXX ). I was also told that if the moneys did not get to my XXXX account that the card would automatically be put back on the card. That is very interesting as on the back of this card it is clearly marked non-reloadable! I believe what has happened here is that I yes I missed placing a ( XXXX ) in the bank transfer number info. For my account info I typed in XXXX, this number should have been and is XXXX. I have tried diligently to explain too Citi that I made this mistake and request them to investigate and either reload the card or issue a new card with the money due me XXXX, They have done absolutely nothing and are at this point just giving me the run around. I did also make certain that Citi had the correct routing number XXXX. I am very frustrated to this point and would respectfully request your support and help in this matter. I feel that although this is my error for not getting my bank number correct, this is still money owed me and in fact with this information that I have supplied Citi it should be a fairly easy problem to correct. I believe that Citi just plain does not want to do what is the correct thing and make certain that I receive the moneys due. Sincerely and Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX tele : 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 2016-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a mortgage with B of A. I have paid them every month for years via electronic fund transfer from my bank directly to them. In XXXX they transferred the servicing of that loan to XXXX. They did not adequately tell me so I had sent my XXXX payment via Electronic fund transfer to B of A on XXXX. My bank ( XXXX XXXX XXXX XXXX ) has also confirmed this about a dozen times verbally and in writing. XXXX called me looking for their XXXX Payment. I then called B of A. In fact I have spent about 8 hours in total now on phone calls, typing emails, etc .... trying to get B of A to help me. The customer advocacy individual they assigned to me has stopped communicating with me. In short, they ca n't find the {$440.00} I sent them on XXXX. I have since sent the missing payment to the new mortgage payment and I want my {$440.00} back from B of A.

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