vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received an email from Citibank stating I owed {$95.00}. I do not have nor have I ever had a Citibank credit card. I called Citibank and explained that I did not have an account with them and that I had received an email the lady told me to forward the email and gave me the address to forward it to. When I went back to the email it was no longer there. I called citibank again and the lady looked up using my social security and date of birth to see if there was an account, but she could not find an account and told me not to worry about it. A month later I received a bill. I called again re explained the above and was told do n't worry about it because she could not find an account. The following month another bill came I called again and this time I was told to call XXXX that this was the fraud department. I have been trying to call for the last 3 days but the phone is always busy. I do n't know what else to do. Can you help me get this resolved?.

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 2016-06-03 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I was unhappy with the service provided by my credit card company. As a result, I cancelled the card. Immediately after, the company prevented me from using " thank you points '' that had been acrued on the account. Repeated calls were unable to rectify the situation. 

Company : ATT Universal Card CITI

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have made several attempts to register on line for autopy and each time get this response " A system error has occurred. Please try again later. '' Yet I am mysteriously able to make a manual payment using the same payment account information ( routing number and account number ). 
I recently was late as I thought my auto payment enrollment was successful and it apparently was not. I would like this investigated as an intentional means of forcing account holders to pay manually each month. Further the phone number on the login page is completely worthless and provides no meaningful assistance in answering even the most basic account questions.

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 2016-08-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I received an alert that a credit inquiry was done by CBNA XXXX XXXX XXXX XXXX, SD from XXXX on XXXX XXXX 2016. I did not request this inquiry and I would like to know who requested it from CBNA?

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 2016-07-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL

Complaint narrative:
In 2011 I rented an apartment where I paid the rent for the year in full up front which I 've finished the receipts to show proof of this to Fidelity Information via certified mail. I also found that the property management company whom Fidelity Information bought the debt from which is XXXX XXXX did in fact file an eviction after I lived out my lease and moved out. The eviction process was after I moved out of the unit. XXXX XXXX dismissed there calm it was a voluntary dismissal on there behalf. Also please note that I was not notified of this eviction and I had no clue until just recently when I went to apply for a rental and was denied. I was told that I owed Fidelity Information monies regarding the rental with XXXX XXXX. Attached is the documents pertaining to this issue for your review. I also sent these documents to this company Fidelity Information to dispute there calm and asked that they send me documentation supporting there calms. I went to the court house and got a certified copy of the voluntary dismissal and there was no evidence showing that I had a amount owed. This company continues to report negative information to the credit bureaus stating that I owe them money which I do not. Please if someone can look into this matter I would appreciate it. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I made a deposit for XXXX to wells Fargo on the XXXX of XXXX. They told me there would be a hold until the XXXX. On the XXXX talking a my customer who wrote the check he said they, had already taken the funds from him. I went to the branch and explained and, l they said there was nothing they could do. They are holding people 's money t, use it for their interests. I would like to know if I have any recourse?

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 2016-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
On XXXX/XXXX/16 I called into Citibank to open a checking account with the promotional code for XXXX XXXX miles. I spoke with XXXX As part of the promotional fine print, I was to meet certain spending and billpay conditions. I met those, and can provide proof. Because I did not have any proof that the promo code was correctly applied to my account, I sent a secure message to Citi to confirm this on XX/XX/XXXX16. They replied, that they were unable to see the account application to determine if a promo code was applied, but that if it was, I would be eligible for the promotion. Therefore I continued to meet the requirements set forth and pay a monthly fee for this checking account, based on this response. When the miles were not credited to my account, I contacted Citi. On XX/XX/XXXX16, XXXX did confirm that a promotion code was attached to my account, but that I was n't targeted for this. Because citi was unable to provide me with this information back in XXXX, I continued forward, and only after they were to fulfill their end of the deal, did they provide me with information contradicting their earlier response.

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 2015-07-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX years ago we filied chapter XXXX our house was not included, we got a divorce, our son moved in the house, XXXX years ago citifinancial stop receiving a payment, told my daughter in law they was receiving a payment from bankruptcy courtcourt, I told her it was not included in bankruptcy, well XXXX months later, bankruptcy is over, citifinancial is demanding XXXX or they going to foreclosure on the house, citifinancial says no payment has been made in XXXX months, you ca n't talk to XXXX person every time she calls you get a different person and a different story. It 's very frustrating, my ex husband went to see our attorney that did our bankruptcy we had XXXX unsecured loans that we believe they have attached to the house loan and maybe that XXXX in the amount of XXXX unsecured loans. Attorney was no help he wants my ex to file bankruptcy on house.citifinancial says they have till XXXX XXXX to pay XXXX then they will foreclosure on house, they said they do n't have to run it in paper they own it and its there 's, they have been really nasty to my daughter in law about this. I feel someone at citifinancial messed up now trying to get there mistake corrected is the problem.XXXX years into our bankruptcy I got XXXX months behind, citifinancial sent us letter, attorney, and court, they was going to take us back to court have bankruptcy lifted so they can foreclosure on house, I had to pay XXXX payment a month for XXXX months to get caught up, so why did they wait XXXX months, it makes no sense. Citifinancial ca n't answer that question, someone messed up at citifinancial and now we my son might losshis house. Please help us or lead us in the right direction on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
how do i get credit card companies to stop sending me " balance transfer checks. '' despite having called all of my credit card companies and told them to stop sending me all balance transfer offers, i am still receiving them from XXXX and from citi. is this a common practice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC
State: FL

Complaint narrative:
Went to an XXXX and was not told the Dr treating me was not in my insurance plan even though the hospital is in my plan. Got bill for $ XXXX+ and tried to dispute with my insurance company and hospital. Time went by and got denied by insurance company. In the meantime got a settlement offer from the hospital. Bill was paid immediately via the hospitals website. Started getting collection calls from Bay Area Credit. Multiple calls per day on home and cell phone. Indicated I had paid debt. They then said there were XXXX debts for the XXXX and i paid XXXX but not the other. We never received XXXX bills only the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
My mortgage company city mortgage would rather foreclose on me then except my monthly payments. I 've been fighting with my mortgage company for two years or more. I believe this is predatory lending and fraud. I went through a modification I signed off on the modification and they still foreclosed on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have closed a XXXX XXXX credit card becuase of high annual fee of {$450.00}. 
I closed this account on XXXX day after this fee appeared in the monthly statement. 
Customer service refused to refund the annual fee either in full or pro-rated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Hi, I applied for my credit card when the offer on the website showed specifically that I would get XXXX XXXX XXXX Miles after spending {$0.00}. The bank later started saying that the offer is for spending {$5000.00} and not {$0.00}. I have sent confirmation and also confirmed from several representatives and for 6 months, every month i am told it will be deposited next month but it never happens.

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 2016-11-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently closed my Citi Premier credit card approximately 2.5 months ago and was never informed by the company that they would remove the Thank You Points in my account despite the fact that I have other credit cards with Citi that earn Thank You Points. I contacted Citi within a week of losing my points but Citi refuses to reactive the points. They refuse to allow me to speak with someone who makes these decisions and have provided no reason as to why they 've denied my request.

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 2015-09-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CitiMortgage " Dual-Tracking '' activities left me with ruined credit for the last 6 years after I was approved for a mortgage modification by them while they slyly commenced foreclosure activities simultaneously during the modification application period from XXXX 2009 to XXXX 2009. This dual-tracking defeats the purpose of a modification if they were going to commence foreclosure just the same. It smacks of fraud and protects their investment at the cost of consumer creditworthiness and home-ownership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A Citibank loan officer sold us a mortgage based on a " rate protection program '' whereby the interest rate of the mortgage could be reset to a lower rate under certain circumstances. Before the loan was issued, the loan officer stated that we had qualified for the program. After the loan was issued, the loan officer confirmed that the rate protection program applied to our loan. 
Some time post-issuance, we inquired about exercising the rate reset under the program, but Citi stated that our loan was not covered by the program. 
The issuing loan officer left Citi after the loan was issued. However, he confirmed in writing that he had indicated to us before and after the loan was issued that our loan was covered by this program. Citi has received his written statement acknowledging this but Citi refuses to cooperate and refuses to stand by the representations made by their former employee. 
Initially, Citi said there was no record of a commitment by Citi to include the rate protection in the loan. Then, Citi said they could not include it because my loan could not have qualified under the terms of the program because the program did not cover XXXX homes. I have reviewed a flyer outlining the terms and conditions of the program and there is nothing on the flyer that would suggest that XXXX homes are excluded. In any event, the loan officer was aware this was a mortgage for a second home and nevertheless represented that the program had been applied to the mortgage. Citi 's final position is that the bank is willing to do nothing and will not stand by the representations made by its former employee, even if those statements induced us into taking a loan with Citi.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a promotional balance with Best Buy. The promotion ended and I did n't know about it. I contract the XXXX number and was told it was to late and 2 months ago that they could n't help me. I was told the only way to get help was write a letter to a different department. I also found out I was n't receiving a statement paper or via email. I was told if I did receive the statements I would know of when the promotion was ending. I was however receiving a due date payment which I had thought this was my statement but it turns out it was n't. I did however completely pay off my bill minus the interest. I have now sent XXXX letters to the department they told me to contract and I have n't received anything 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 2015-03-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
We have a contract with Home Depot for a Kitchen remodel, we opened a line of credit with them this was to be a zero interest for 2 years. Now after 6 months they have started charging us interest which triples our payment. We have called several times and they have agreed to make the change going forward but we are still expected to pay the inflated payment this month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-26 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I used XXXX XXXX Costco credit card until they issued new credit card from Citibank as the exclusive Costco credit card. Beginning balance with Citi was {$330.00} higher than the ending Costco balance. I 've tried to get Citi to acknowledge the error and they just keep sending me copies of their statements and not addressing the problem.

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 2017-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened an account with Citibank on XXXX XXXX, 2016. 
They had a promotion of {$500.00} for any deposit over {$50000.00}. within 30 days. 
It is now almost 6 months, i have NOT received payment, Ive called them on multiple occasions over the last month, and they have NOT honored their commitment.

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 2015-06-09 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
dispute is about Sears credit card who is owned by Citibank. Sears credit card # XXXX. Sears claims that I have not paid my bills for XXXX, XXXX, XXXX of 2015 of which carries a late fee and a processing fee for each month. I was XXXX informed of non-payment when I received harassing phone calls from sears/Citibank 's collection department. I received these calls starting XXXX XXXX, 2015. But, since XXXX 2015, I have not received any bills from them either by email or regular mail. I am more than willing to pay but I want the late fees removed because I never received their bills. They accused me of changing my email. I have the same email for over 15 years. They accused the postal service for non-delivery of mail. I 've been living at the same address for over 40 years. They informed me that the only way a late fee can be removed is by a manager 's OK. I asked them for a manager to call me to resolve the matter. The only person I was able to contact who is not a manager but who did absolutely nothing is XXXX XXXX at the Citibank 's Response Unit. No manager has ever called. To add insult to injury, I have a Citibank credit card ( unrelated to sears ) and I get email notifications and regular mail with no problem. I 'm just frustrated trying to resolve this.

Company public response: Company 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: Billing statement — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
a credit card account was open without my knowledge. i have contacted the bank it was issued from and informed them that it is not me. i fond out about it my way of a statement in the mail. they bought men 's cloths from macy 's and location that is given on the bill is 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 monetary relief
Consumer complaint received 2016-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I 'm trying to refinance my existing mortgage four years after a Chapter XXXX bankruptcy discharge XX/XX/XXXX. We began working through a mortgage agency, XXXX. In this process, although not shown on our personal credit reports from any of the big XXXX credit agencies, a third party agency, XXXX XXXX, showed XXXX late payments to Citi Mortgage XXXX before our actual bankruptcy and XXXX after. We made all of our payments to them on time. We called Citi Mortgage customer service reps. They would n't talk with us because they though we were in a current bankruptcy process. They finally put us through to their bankruptcy department. They thought we had completed our bankruptcy XX/XX/XXXX and forward us to their mortgage group. They requested we fax them the details of our credit report and our payments. We sent them our third party credit report, our bank statements showing our payments and the corrected record of payments t later provided by Citi Mortgage, They then replied that they needed the actual source credit reports, not the one from a third party. We ca n't supply that because our yearly credit reports do n't show this issue. How do I resolve this issue?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I defaulted on a Macy 's account XX/XX/XXXX. The account is now listed with Citi XXXX. I have called them at XXXX a month ago and was told that it is past statue in my state XXXX Mississippi XXXX and they would not accept my voluntary payment. I explained that it was still reporting every month negative on my credit and I was told that is XXXX different laws. ( statue and credit reporting ). I disputed the accounts with the credit bureau, but it remains on my credit. I called again yesterday, XXXX and received the same response from Citi. I spoke with the supervisor today, XX/XX/XXXX and was once again told that I can not pay this debt and that it will not be removed from my credit until the XXXX year mark. How can this report to my credit and not allow me to pay the debt to obtain a home mortgage. The balance is only {$280.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief