vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a prepaid {$26.00} XXXX Citibank XXXX card as a refund for overpayment after cancelling my service in XXXX 2015. I recently discovered that Citibank XXXX has charged a monthly {$3.00} account maintenance fee since XXXX for not using the card on a monthly basis. This has caused the card to go down to {$14.00}. When I contacted Citibank they said that this was the terms & conditions that XXXX initiated. I did not agree to these Terms and would not agree to such terms since this is a refund of services paid.

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 2016-09-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I got back to the USA and requested a credit card to Citicards.com that was accepted. 
I used it for a month and suddenly it was blocked because Citibank has some concerns about suspicious account activity. I faxed them all of the requested information ( SSN card, service billing and passport ) but after weekly calls, now for a month, my card is still blocked. Apparently they need a phone number, one that they can verify, to call me back. I am using XXXX XXXX XXXX as provider, which for some reason is not included in their check up database ( landlines are useless for them ). 
I have paid past month statement ( electronic transfer from a bank account at XXXX XXXX XXXX under my name ), but still, I can not use that information to validate my identity. 
The irony is that as the account is blocked and thus I can not close it, and I do n't know how to proceed, as their customer assistants can not provide any alternatives to prove my identity, nor escalate me to a supervisor ( They even hung up on me when I requested that ). It 's a dead end, and it seems I am stuck in their XXXX like bureaucracy

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 2016-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi Gold Checking account in XXXX. The account was opened using a promotional offer that Citi had, which provided a bonus of XXXX XXXX XXXX miles ( worth approximately { {$500.00} } ) once the following conditions were met : 2 bill payments in 2 separate months within 2 months of opening the account and 1 debit card purchase of {$1000.00} or more. I opened the account, and verified ( via Secure Message ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told ( in accordance with the promotional terms ) that the bonus miles will post within 3 statements of completing the requirements ( which would have been XXXX/XXXX/16 ). It is now XXXX/XXXX/16, and I have paid { {$90.00} } in monthly fees to Citi, and Citi has not upheld its side of the promotion. I specifically confirmed that I was eligible for the promotion via secure message. Citi customer service representatives have been unprofessional and uninformative when trying to resolve this issue after submitting an investigation with Citi. Their CSR is incapable of making any changes and implementing any resolutions, other than pointing the finger at different departments. My husband has an identical complaint, and has filed a CFPB complaint as well. From searching the internet, there are XXXX of people which Citi is not upholding their terms of the promotion, while still charging monthly service fees for not providing any " service '' other than ripping off 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 2016-06-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX Citi businesses XXXX Hello .... I 'm XXXX XXXX Today is.. 
XXXX/XXXX/2016 XXXX Today I went to my bank, Citi bank to handle some business, as I entered I was waiting it was XXXX people in front of me.. Then more came in and went out before me into I noticed I was here a very long time ... 

When I looked up at the time I seen I 've been here For a very long time .. 
Two hours past and I was still siting there so as I was going to get up a man walked over and told me that they were very busy and that they where going on lunch soon .. So I XXXX ok I 'm siting here waiting that 's not a problem. 

so I sat for another hour then someone came and asked me to come sit with him. So as I did he asked me for everything he needed I gave him everything he need to set up my business account .. He XXXX ok great u have everything we need to open it. 

So as he was opening it up for me he 's manger XXXX not to do so. So when I asked him why he XXXX he could n't do anything it 's he 's manger he does n't like me cause I have long hair. I thought it was a joke .... 

I was very disappointed at him for that, I felt like I was not supposed to be here.. I really ca n't tell u how I felt because I do n't want anyone to feel like that. 

So then after all of the commotion I called the corporation and made a complaint against the manger.. 

The customer service lady XXXX it was ok to open it here she do n't see any problem ... 
So she was helping me with the complaint then she XXXX she 's going to contact the branch, so as she was trying to contact the branch he would not even pick up the phone to answer! 

In the past I would of went to jail over some XXXX like this, but my family Sade u wo n't get nothing out of this but trouble.. So I XXXX to my self I 'm going to do this the right way by using my head and putting it to the pen and paid ... To see if this really work! 

My senses proved me right, that As I entered the bank I noticed he 's facial expression and the way he was talking to me that he did n't like me. 

By the way he treated me like XXXX I felt like not being here anymore on this planet, So that 's why I 'm here today writing you to see if u can ... ... ... 
HELP ME? 

Complaint # XXXX Citi bank businesses XXXX Please give me a call if you can help me! 

XXXX XXXX ( XXXX XXXX XXXX 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 2017-01-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX 2016, I ordered a free sample of of XXXX products from XXXX on line for {$4.00} shipping. This was charged to my account and paid but before I had a chance to open and use the product a charge for {$100.00} and {$100.00} appeared on my card. I called the company to cancel and find out why I 'm being charged when what I ordered was a free, pay for shipping sample. They said that since I did n't cancel within 14 days I owe the money. I put in a dispute with the Sears Mastercard and returned the product unopened to the shipping address.The company refunded {$100.00} but not {$100.00} to Sears claiming they are not obligated to refund my money because it was not returned properly. When speaking with Sear rep, she said Sears would not expect me to pay for something I do not have, but now are sending bills with additional finance charges.Trying to resolve this, I contacted the company several times.They told me that if I remove it from dispute they would refund the money. THEY DID NOT REFUND THE MONEY and Sears said they could do nothing about it. Please help get this resolved. I feel that I was scammed.

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 2016-06-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Financed a XXXX laptop at speedy cash on XXXX/XXXX/2016 and the computer had a virus on it right out of the box ... it encrypted my files and locked them so I could n't use them and asking {$500.00} to give them back to me. {$1000.00} if I wait a week to pay. The box was checked that said " allow this computer to be controlled remotely. It appears it was created XXXX/XXXX/2016 but the dates are hard to know if they are right on a virus. 
I told speedy cash and they said that they could n't replace the laptop and I needed to call the manufacturer. I called the MF and they told me it was speedy cash who needed to replace the computer. 
I lost important files forever and these were my internet marketing files that I use for work which Ive accumulated over a year and a half and my ability to work has been severly obstructed. I do n't know how to put a value on what my files are worth or if I can legally do anything about this ...? I know I did n't download anything or open anything to get the virus ... it was the second time I had turned it on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am the beneficiary on my deceased brother 's IRA through CITIBANK Retirement Plan Services. I was advised by CITIBANK that I can not take a direct distribution, but would have to open an IRA account where my deceased brother 's funds would be transferred and then disbursed. 
I reluctantly completed the IRA application, even though the application contained personal information which was none of CITIBANK 's business. 
Additionally, I have been told by CITIBANK that I AM REQUIRED to visit a CITIBANK branch to have XXXX page of the application completed. The required page is basically asking for verification of my identity. This information has been previously submitted and approved by CITIBANK. 
The nearest CITIBANK branch to my location is approx. XXXX miles round trip. 
Any help that you can provide would be greatly appreciated. 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 monetary relief
Consumer complaint received 2016-01-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
ATM Machine at XXXX at XXXX XXXX XXXX, XXXX, California XXXX USA is set up so that the sun will not allow you to see the screen. XXXX has put in many requests themselves to Citibank to move the machine or do something to make it safe and workable. According to the store, Citibank does not care and does not come out to deal with the problem. It creates many inproper clicks on the ATM because people can not read what they are doing. If trying to hold magazines or something around it to be able to see it causes customers purses, papers, etc. to all fall to the ground and makes them easy targets for theft. Even with doing that, it is very hard to try to see what you are pushing unless you have all of the screens memorized. Citibank has made it impossible to locate on the internet just who to contact to correct this problem. I am a Citibank customer with quite a few accounts and I use the XXXX ATM machines all the time but the one at this particular location is completely unsafe and Citibank needs to IMMEDIATELY to something before someone gets injured or is robbed or looses their money all because they thought they were pushing another button while trying to hold on to something to help them see and hold their personal belongings at the same time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CitiCards payment processing process violates XXXX because of their unfair deceptive and abusive practices. I tried to process a payment online on their site on XXXX, and because there was an online issue with selecting the XXXX as the payment date, they had me call in to make a payment over the phone. The phone rep was unable to assist me and did n't explain as to why which I thought was very deceptive. I went back online on the XXXX and had no choice but to elect the XXXX as the processing date. Now my payment is late and there is a late fee associated because of your unfair deceptive and abusive practice. The late fee will also affect my APR which is also unfair. The payment site should have transparent disclosure on the processing payment site and not deceive their customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I contacted Best Buy Credit regarding a Hard Inquiry placed on my XXXX report dated XX/XX/2015. Best Buy Credit has no account or a record of application. Best Buy Credit refuses to submit a removal or resolve the situation with XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
i had an equity line of credit from citizens my mortgage was from citizens one. 
my line of credit was for XXXX of which i spent XXXX and had a credit limit of XXXX when i refinanced with another bank they not only took my XXXX away without my permission they assesed me a charge of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently submitted a complaint about my Macy 's account, regarding the Service Member Civil Relief Act being applied to my account. Some ajustments were made, however that is not the full amount that was owed to me. I joined the XXXX in XXXX of XXXX XXXX, went to the XXXX until XXXX XXXX. From XXXX XXXX to present, I 've been on XXXX. It 's XXXX years and a XXXX. I only received {$2000.00}. In XXXX, my fees were {$95.00} and interest {$410.00}. This year so far, my interest is {$180.00}. So its no way possible that the refunded amount that I received, covered fees, and interest for a XXXX year period. I do pay my account on time and just need Macy 's to fix this problem. It 's been six months, and I 'm still getting the run around ; why is this minor problem being such a hard fix for a mega store. My previous complaint number : XXXX. 

Thanks. 
XXXX XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
i have a credit card account with citi bank since XX/XX/2002. I have been making payments every month and recieve statements every month. For the past four plus years i have been locked out of my account and citibank refuses to issue a replacement card, unlock my account or grant me access to my account online. i have made many calls and have been told my account has been closed. i informed them that my account is not closed and i have been making payments and receiving statements with available credit amounts and never canceled my account. Each time i call they confirm my address and tell me a letter will be sent to my address to correct the issue. and a replacement card issued. i currently have a credit on my account and i am unable to modify payments due to my separate citibank being unlinked by citibank and i can not view or modify those transactions. I want my accounts linked up and a new card issued.

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 2016-02-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Macys and Macys American Express accounts that I get email bills and pay electronically from my credit union checking. Macys changed their billing addresses without notification resulting in late payments with fees and interest charged. I am never late. Macys could not straighten out the correct address but my credit union finally did and tested them. Macys waived the late fees but not the interest. I have seen this with other vendors and find it an underhanded way to extract money from customers. I have other vendors who are diligent about reasonable notification so it is possible. I question the competence of their IS department as it took them several weeks to complete an upgrade that resulted in this.

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 2016-08-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: TX

Complaint narrative:
I was approved for a loan in the amount of {$16000.00} in XXXX XXXX and my first payment of {$370.00} was deducted from my XXXX account in XXXX XXXX. Loan # XXXX I was automatically set up on automatic withdrawal payments and was told that I would be able to remove the automatic withdrawal payment option in the future if I wanted. 

What was not disclosed to me was that if I removed the automatic withdrawal from my account, I would be assessed a {$7.00} fee for each payment I sent the company. After closing the XXXX account, I send payments thru XXXX XXXX Bill payment system to the Lending Club. 

XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX I have received two ( 2 ) emails from the Lending Club telling me that they do n't accept partial payments. These are not partial payments as they are sent to The Lending Club prior to the due date. They are attempting to force me to pay only once ( 1 ) a month. This is a Simple interest loan. I have been bombarded with emails stating that they will apply my payments as " principal only payments '' and force me to pay the payment of XXXX as it is still due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank advertised the promotional bonus in XXXX stating that after 30 days of satisfying the deposit requirement ( of new {$15000.00} ), {$400.00} bonus would be deposited in the customer 's account within 90 days. I opened a checking account and deposited {$15000.00} on XXXX/XXXX/16. As of XXXX/XXXX/16, it has been 120 calendar days and I still have not received the {$400.00} promotional bonus. I called customer service to open an investigation. I checked back today and was advised a letter will be sent to me in regard to the bonus. I still have not received the {$400.00} promotional bonus as promised by Citibank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Synovus Bank
State: FL

Complaint narrative:
I have contacted First Progress Card as well as XXXX to advise them that i am a Identity theft Victim and that this account does not belong to me. However, First progress insists on verifying this account Electronically to XXXX when i dispute it. I have requested that they validate this debt ( Not simply Name. address, DOB ) and have received no response. I forwarded a copy of the FTC Affidavit as well as the Police report to them and still nothing has happened. I 'm being told that " its still with an investigator '' by First progress and XXXX is saying that its been verified. Police Report # XXXX / FTC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank had a promotion requesting folks open a savings account and deposit money, maintain it for three months, after which customers would receive an account bonus. Through their promo page, I enrolled, opened the account, and maintained the required balance. Citibank has not deposited the bonus as promised. Their customer support appears to be totally in the dark and clueless about this.

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 2016-05-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
American Servicing Company, also known as Wells Fargo Back unlawfully preyed on me with my mortgage loan. ( predatory lending ) My credit score was over XXXX and they told me I was receiving the best rate possible. After the loan was completed I was told by several mortgage bankers that my interest rate was not commensurate with my credit score. It was much to high. I have since learned that ASC/Wells Fargo has been charged and plead guilty to predatory lending on minorities. I am filing a complaint with the CFPB. I also received a loan modification from them stating they could not lower my interest rate. Once again lying to me. I understand loan modification rates can start as low as 2 %. I am requesting the CFPB assist me in my petition to have ASC/Wells Fargo lower my rate because of the predatory lending they pulled on me. 
Respectfully, 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