vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-03 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have an open case against Citibank re : a XXXX closed account. Seems Citi has been increasing the total balance due, and refuses like most banks to give the balance once the agreed monthly payment has been deducted. In addition in XXXX XXXX they claim I was XXXX ( now more ) days past due since XXXX XXXX. My original opened CFPB case number is XXXX. Also case XXXX is Cit 's response that they have to do a 60 day review. 

Since ( in the US as well as the world ) Citi has been caught in malfeasant activities as in my case not properly applying my {$70.00} ACH and increasing the balance owed, I will temporarily put a stop on my monthly ACH payments. Once the matter has been resolved I want to settle.It 's only fair! 

As in my now closed case against Citi # XXXX, losing payments, alleging they applied to this closed credit card account ( when the account numbers were written on the checks/money orders ) and calling me a " liar '', they are again exhibiting the same behavior. I will call the Citi XXXX on Monday 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 2016-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank ran a promotion XX/XX/XXXX where customers who open a checking account with at least {$15000.00} and keep a balance of {$10000.00} for the next 30 days will receive a {$400.00} bonus offer. I have met the requirements of this offer and have been repeatedly promised by Citibank that the bonus is on its away. Despite opening internal case resolutions, I still have not seen the amount deposited and I have been getting the run around.

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 2016-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Our story is incredibly too long and complicated to summarize in this short space. Please see attachments, most importantly Word document " CFPB Letter '' for full story and details. I met with our local JAG attorney at XXXX XXXX XXXX last week, XXXX XXXX, Field Representative for the Office of Servicemember Affairs branch of CFPB. He instructed me to file these documents with you in order to seek your immediate assistance. Thank you so much for your attention to our very URGENT case. 

On XXXX XXXX, 2016 we began the process with CitiMortgage for an assumption loan. After 3 weeks we finally received a XXXX page " Loan Application XXXX '' from Citi. They told us to complete only the highlighted portions, which did NOT include " Assets. '' Matter of fact " Assets '' was crossed out with a line by Citi employee. This is significant, as they used it as one of their reasons for denial! 

We completed the loan application and overnighted it on XXXX XXXX, 2016. On XXXX XXXX, 2016 ( after numerous unreturned phone calls for three days ) we and the holders of the assumption mortgage were both told that we had been sent a package with a list of documents for us to submit within XXXX days ( i.e. Proof of income, XXXX, any supporting documents to further explain line items on credit ). We never received that packet. After being misled by employees at Citi, we called their customer service and our situation was escalated to the Executive branch of customer service. 

On XXXX XXXX, 2016 we received a phone call and subsequent letter of decline stating 3 reasons for their denial : 1. Insufficient income for total obligations 2. Delinquent past or present credit obligations 3. Insufficient funds to close. It also stated our credit scores of XXXX and XXXX ( both above Citi 's minimum to qualify ). 

Based upon our understanding of banking practices and fair lending laws as explained to us by several attorneys now, including our local JAG office, we know we were denied the due process established by not only CitiMortgage, but also federal and state laws. Being military, we are an entire different class of applicants and have an entire different set of guidelines written by the Veterans Affairs ( VA ) that must be followed by servicers of VA loans. 

By not being given a level playing field, we wholeheartedly believe we were subjected to discriminatory lending practices because we are an XXXX XXXX military family.

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 2015-08-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
The company took illegal action against me but your forced choice format does n't allow me to select an appropriate option. They wrecked my credit rating after contacting you for a bill that had already been paid. It is also a continuation of an attempt to collect a debt I do not owe because my wife sent them checks but they simply did n't cash it. I understand I still need to pay them but they are simply not cashing the checks. We have carbon copies within a checkbook and well as torn off bank statements so we strongly believe we did everything in our power to pay the debt off. However, your forced choice format does n't allow a response. It 's also false statements because they told the CPFB they did n't know who I was when they must have. They contacted me immediately after the CPFB closed the case. However, your forced choice format does n't have an option for this false statement. It 's improper contact because they should have gone through the CPFB channels when the complaint was open. Instead, they contacted me immediately after it was closed. However, your forced choice format options do n't allow me to explain that. 

After contacting the CFPB see Case number : XXXX the credit card company claimed they had no idea who I was. The CFPB simply trusted the attorney and immediately closed the closed the case upon which the company immediately called me. Clearly, they knew who I was all along. I identified the bill in the question and checked with my wife who had already paid it and which I have ample documentation to prove. The CFPB chose to close the case even though the company had not responded and I did n't owe the bill they claimed I owed and had destroyed my credit rating which made no sense because they left my wife 's credit rating alone even though the bill in question was on a joint account. The CFPB also ignored that my credit rating was destroyed two days after I contacted them when the bill had already been paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
We have a loan with One Main Financial and feel we have been misled in so many ways. They are using our vehicle even though it 's already being financed through a Credit Union. They never explained how much interest we would be paying over the life of the loan. We asked for help on a somewhat different matter and will not get a response either. They are very convincing to people in bad and desperate situations. So far, we have lost about {$600.00} in fees and interest

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a bust buy credit card to earn 10 % cash back, when i received my credit card statement I went online and paid the balance due in full. The payment due date was XX/XX/2017 which was a Saturday, on Sunday XX/XX/XXXX i paid the balance in full typically when a payment is due on a weekend you have until Monday to make the payment. Furthermore when I logged in on Sunday the balance due in full reflected the same amount as my statement. I paid the entire balance a figured that was it. I never received another statement. On XX/XX/XXXX I received a message from the collections account stating I had a balance of {$140.00}. I called and they said I was emailed a statement on XX/XX/XXXX which I did not receive, it was not in my spam either. When I logged in on Sunday XX/XX/XXXX and paid the balance the account said was due in full of {$4400.00} that should have been the final balance. Again I was 1 day late but it fell on a weekend even when that happens with my mortgage they waive the fee if Payment is received by Monday.

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 2016-09-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I failed to pay an annual renewal fee on my credit card. The creditor then charged me a late fee of {$27.00} and reported me 30 days late to the credit bureaus, harming my credit score. I think they should have simply closed the account when I failed to pay the renewal fee. My failure to pay should be deemed a failure to renew.

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 2016-07-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My Citi Simplicity credit card number had been stolen a month ago. I worked with Citi Simplicity to contest and resolve unauthorized charges on my card, and was issued XXXX new cards. After review of my statement from the past month, I realized that of the XXXX unauthorized charges, all had been credited back except XXXX. I called the number on the back of my new card to speak with someone so that I could get this overlooked charge removed. I have tried calling the past 3 days, all while being on hold for 30+ minutes, resulting in having to hang up each time. Recently today I called the fraud department # that was on the text message I received, thinking that would fast track me, no luck. In this case I was on hold for 15 minutes, then an automated recording came on to tell me to call back later. I use this card heavily every month for work expenses, I expect to be able to get in contact with my credit card company, should there be a charge that I did not make. As of this afternoon, I have yet to speak to an actual person, while I still have an unauthorized charge on my card.

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 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX, 2016 XXXX XXXX XXXX, XXXX, submitted a loan modification application to Citi Mortgage on behalf of XXXX XXXX XXXX. We received a missing document letter from attorney XXXX XXXX, of XXXX XXXX, attorney 's for Citi Mortgage, dated XXXX/XXXX/16 and another XXXX on XXXX/XXXX/16. Each time we immediately submitted the documents requested to bank 's attorney. 
On XXXX/XXXX/16 an email from attorney XXXX XXXX stated that the loss mit review had been completed and the file had been sent to underwriting. It sated that it would take another 2 weeks to complete underwriting review. 
No new update past 2 week review period. 
On XXXX/XXXX/16 a new email was received from attorney XXXX XXXX, which stated that the review was not yet complete. 
Then on XXXX/XXXX/16 a new email from attorney XXXX stated that she would follow up with her client for an update. 
It has been forty seven ( 47 ) days since the file was sent to underwriting and we still have not gotten a decision on the loan modification.

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: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RCS Recovery Services, LLC
State: AL

Complaint narrative:
We have been asking for a statement on this debt for 2 weeks now, original request submitted XXXX XXXX. We were told then we would have it by XXXX the following day. We have received the same response each day since but are now being told that they have 30 days to send verification. We are set to close on a house on XXXX XXXX and the only thing holding the bank up is verification of this debt. I have also given them permission to speak with our lender to verify information when she calls. They have railroaded her each time. My last conversation with them was this morning in which they told me to continue to wait to which I replied they could continue to wait for further payments until we receive a statement. We have been making payments and are more than willing to continue. We would like to pay the debt off in full at this time but are being advised by the lending bank to wait until we receive the requested documentation.

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
Consumer complaint received 2015-09-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My macy 's credit was misused on XXXX XXXX, 2015. There were XXXX fraud charges : {$1.00}, XXXX & {$2700.00}. Those charges were made outside of XXXX. I was notified by Macy 's consumers protection on XXXX XXXX, 2015 and I immediately denied those charges. Then, I received a form called " statement of fraud '' from Macy 's Investigation Department by asking me to fill it out. I filled out the form and mailed it on XXXX XXXX. I also filed a police report at XXXX XXXX, XXXX where I resides. On XXXX XXXX, I received a letter from Fraud Investigation Department that they received my statement of fraud and it will take 60 days to resolve the issue. However, on XXXX XXXX, I received a letter that stated that my statement of fraud was not received by Macy 's Fraud Investigation Department and I will be responsible for those charges. After that letter, I made several calls and found out that my claim was denied due to lack of document and my claim was closed. I was shocked because it is not what it said in XXXX XXXX, 2015 letter. I even questioned how this investigation was carried out because I was a long time loyal customer of Macy 's and I have never bought anything beyond {$300.00} at Macy 's. Second, all my purchases are in XXXX and those fraud charges are in XXXX and XXXX. Those facts are very obvious that I am not the one who made those purchases. 

After several calls, Macy 's Fraud Investigation Department is sending another statement of fraud by asking me to fill out again since my first claim was denied and closed. I really doubt that whoever did the investigation for my claim just did NOT use the common sense to investigate. Everytime I called to Fraud Investigation Department, I was talking to a different person. It is very frustrated and very painful process because I had to explain my situation again and again to a person whoever came to answer my call. It seems to me that even the manager at Fraud Investigation Department that I spoke to, she did n't know what document that I needed to provide when I asked her. She made a lie that she will call me back the next day and she never call back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Card was placed on " Fraud Early Detection Hold '' and I was not notified by the company for 36 hours. During this time I was unable to use my credit card. I feel they violated the terms of service by withholding access to my account without proper notification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Me, XXXX XXXX XXXX and my wife at the time XXXX XXXX XXXX, in XX/XX/XXXX refinanced our home mortgage, and also acquired a separate loan for the home where I currently reside. In XX/XX/XXXX we separated, divorced, I somehow acquired all debt. I was allowed to refinance mortgage on current residence at the going rate of % XXXX. as I tried on my other mortgage, with interest rate at % 8.4276, have denied and denied, due to debt to income ratio, to which I had no options. I have sold the place several times on contract, here six years later yet again I am struggling to make both house payments because remember my debt to income ratio makes me not qualify for a more reasonable interest rate but also a much much much much lower payment to reduce my DEBT TO INCOME SO WE CAN LEGALLY ROB YOU BLIND RATIO. DIVORCED DEBT RECIEVER IN KY NEEDS HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.

Complaint narrative:
I have a pending 1 month credit bills on citibank. It became double the next month.I understand because I did not pay the previous bills.And they block my salary account which is also in citibank.I cant withdraw any single amount.My question is.Is it proper that citibank block my salary account.And take all my money which is my salary? I 'm a family man I have XXXX kids.Now because of that 1 month my family will starve.Please advice me if I have the right to complain. 

Best Regards

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 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
To whom it may concern, I opened a Citigold checking account XXXX/XXXX/XXXX with the promotional code XXXX that I can receive XXXX advantage bonus miles. The promotion required { {$1000.00} } in debit card purchases and 2 consecutive months of bills paid online. I have fulfilled these requirements in XXXX/XXXX/XXXX, and was confirmed over phone that I would receive my miles in my account. The representative said that I was qualified and eligible, and I would receive the miles within 90 days ( by the end of XXXX ). However, the date I was supposed to receive the bonus has been past and I called several times and I was told every time that the review or investigation was going on my account. In the meantime, I have been charged service fees third times while waiting. Until recently, I requested the reviewer results and citi stated that since I was not 'targeted ' so that I would not be eligible for the promotion. Actually, the terms and conditions of the promotion does not mention needing to be targeted. Meanwhile, I notice that many reports online showed the same situation for other people, and people can only get the promised bonus by compainting via CFPB. I hope Citi will fulfill their promise of this promotion. 
I appreciate your help! 
Thanks!

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 2016-01-21 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Ordered computer from Best Buy with my CITI credit card. {$1700.00} Cancelled order within hours of making it and within B.B XXXX ; documents.Never received product. BB has documented authorizing CITI to refund my money. I have provided CITI with extensive documentation of BB authorizing them to return my money. CITI ignores it even though they have the documentation. Documentation shows that CITI is ignoring it 's own rules by pushing back when I can get my own money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a prepaid debit card from Citi bank as a reward from XXXX XXXX XXXX. I have tried using the debit card and was unable to verify my balance for an extensive amount of time. When finally getting the card reactivated I was informed that I incurred service fees on the account while it was deactivated.

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 2016-10-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have made settlement agreements with Credit Company & or Collation agents that have broken agreements within how they may report to any and all reporting company 's. As agreed on with each payment made to any & all Credit Company 's & or Collation agents term of cashing payments were sent with each payment in a written agreement of cashing any & all payments. As stated within agreement by cashing payments that company agreed to any & all terms within payment agreement. If a company did not agree to any of these terms within the payment agreement they were told NOT to cash any payments made & by cashing any payments they were agreeing to any & all terms. All Companies are in " Breach of Terms of Reporting of Agreement of Payment '' ( Sent with Each Payment ) which is violating the Agreement of Payment. Terms of payment to " BE IN WRITING '' ( WITH THE FOLLOWING KEY TERMS OF ALL SETTLEMENT AGREEMENT ), '' TOTAL AMOUNT TO BE PAID '', " PAYMENT TERMS OF TOTAL AMOUNT '', " REPORTED TO ALL CREDIT BUREAUS REPORTING COMPANYS AS WORDING OF " PAID ONLY '' WITH NO NOTES OTHERWHYS THEN BEING PAID '', " BE REPORTED WITHIN 30 DAYS OF FIRST PAYMENT ''.

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