vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a Citi bank " Citigold '' account by using a promotion code stating that I would earn XXXX Citi Thankyou points if I completed XXXX qualifications : {$1000.00} dollars spend in the first 3 months and a bill payment in consecutive months for the first two months. I completed these requirements in XX/XX/XXXX. The agreement with Citi stated that I would receive my Thankyou points within 90 days after the month that I completed the requirements. I have written confirmation from Citi stating that the Thankyou points would be deposited in my account by XXXX/XXXX/2016. The points should have been deposited by XXXX/XXXX/2016, but I have written confirmation stating XXXX/XXXX/2016. I have tried numerous times to get Citi to honor this promotion. I have made multiple calls and asked to be put in touch with a supervisor. I have asked that a member of the executive team at Citi call me back on 3 occasions. Each time I have been promised a call back within 24 to 48 business hours. I have yet to receive a phone call from anyone. Ultimately, all I want is Citi to honor this promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have an account at citibank for more than twenty years. recently they informed me that my direct deposit alone would not qualify me for free checking, so they recommended a basic checking and savings account and it must include a monthly recurring bill payment. my account was set up on XXXX XXXX 2015. The agreement ( by phone ) was that each month starting in XXXX 2015, they would make a payment to CITICARDS as installment on my creditcard. The payments are due on the XXXX of each month and they would debit the amount on the XXXX of each month. On XXXX XXXX, i discovered that they did not make my payment. I called CITICARDS and explained the situatation and they inturn, deducted the money from my checking account. I was told by the representative that a FEE will be accessed, once my new statement is generated, and i should call them, and they will remove the fee. On this day XXXX XXXX, I discovered that the FEE has been charged to my account and I called CITICARDS, told me that they can not remove the charge of {$35.00} because it 's justified, and it 's not their fault. I then contacted Citibank checking, and while they are fully aware that an error was made, they are telling me there is absolutely noting they can do. I believe this is wrong. How can i be responsible for a fee that i did not create? I would like some help. I can imaging the number of people these banks cheats out of their hard earned money. 
Thank you for understanding

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was given the WORST advice for my, then, XXXX loan! At the time I had just finished doing a 2 year XXXX. At the end of your XXXX you are awarded money to use for either going back to school or to repay student loans. One of the reasons I did my service was to then get this money to repay student loans and get myself back on track. I called XXXX for advice. I had $ XXXX in debit to pay off, my rewards money was $ XXXX. I was told by the XXXX representative to put my loan on deferment and use the money to pay the interest in the meantime as I figured my life out after XXXX. Let 's get something clear, I am an XXXX, it is not easy for me to deal with money or math, it is just not my bag. So when the institute representative advises, truly urges me, to go this route- I trusted him and XXXX . Naive, I now see. I place this all on automatic payment, not really looking at what is going on for a couple of years, again trusting my institute. XXXX then becomes Navient and I take a look at what was going on. Here 's the numbers- I had XXXX to pay in the beginning, with a XXXX award. After a couple of years of doing the XXXX ' way- I had $ XXXX to pay off and less than $ XXXX left in awards money. That 's right ... the SAME amount of money to pay off to Navient!!! I had just been paying them for no reason. I felt stupid and cheated and lied to. I had grown up a lot in the years between then and I felt so foolish for trusting a company I had no choice in dealing with. I was ashamed to tell my parents and my, now, husband. I should have paid the XXXX outright and figured out the taxes- today I would be debt free. I still owe over $ XXXX to this day as I slowly chip away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I think some one use my identity and I am being charge for a debt that is not mine and is n't even in my credit report. I never received any mail from this creditor ( CITIBANK ) this creditor put a lien on my house for this debt 5 years ago and I was never notify or aware until XXXX2017

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 2016-12-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I contacted you several months ago concerning a balance on a citi card. IUI I heard from XXXX almost immediately and got a very satis- fying result. She was very pleasant. But she did not report the result to XXXX and now I still have a bad credit rating and am unable to get a Sears credit card for XXXX shopping. 
Can you please see that she follows through and that my previous good credit is restored. 
the case # XXXX the citi advantage card ended XXXX thanking you in advance for helping me in this regard. 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 non-monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I APPLIED FOR A HOME DEPOT CREDIT CARD ON OR ABOUT XXXX XXXX 2016. THE CARD DID NOT ARRIVE AFTER 3 WEEKS, SO I CALLED HOME DEPOT AND INQUIRED AS TO WHY. APPARENTLY, THEY SENT IT TO THE WRONG ADDRESS. SO I GAVE THEM THE CORRECT ADDRESS ( THIS DESPITE THE FACT THAT THE CORRECT MAILING ADDRESS WAS ON THE APPLICATION. ) THE CARD NEVER ARRIVED. I CALLED AGAIN, AND AGAIN I WAS TOLD THAT IT HAD BEEN SENT TO THE WRONG ADDRESS. IT NEVER ARRIVED. I CALLED AGAIN, AND AGAIN I WAS TOLD THAT IT HAD BEEN SENT TO THE WRONG ADDRESS, ETC. THE DAY MY APPLICATION WAS APPROVED, I WAS TOLD THAT I COULD GO TO ANY HOME DEPOT STORE AND PROVIDE ID AND I WOULD BE ABLE TO CHARGE MY PURCHASE. I MADE A SMALL PURCHASE ON OR ABOUT XXXX XXXX. I AM CONCERNED THAT THE DUE DATE FOR PAYMENT HAS PASSED AND I AM NOW BEING CHARGED LATE FEES OR OTHER FEES FOR NON PAYMENT, AND THAT THIS FALSE INFORMATIION IS BEING REPORTED TO THE CREDIT BUREAUS. TODAY IS THE 4TH TIME I CALLED HOME DEPOT ABOUT MY CARD. ALL I GOT WAS THE RUN AROUND. I WANT MY CARD. IN THE MEANTIME, I CAN NOT EVEN CANCEL THE ACCOUNT SINCE I DO NOT KNOW THE ACCOUNT NUMBER BECAUSE I NEVER RECEIVED A CARD! 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 2015-10-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This account was placed in collections on XXXX XXXX, 2003 and is over 13 years old. I had the account removed 5 years ago from my credit report. Now this old 13 year old account is back on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I purchased an item from Macy 's and returned it before the payment was due. My account was charged a late fee and was charged for the " discount '' of the item I purchased. Later a payment was withdrawn in error from a closed checking account. When I called to inform them and asked them to stop the withdrawal they refused and attempted XXXX more causing charges from the bank. They agreed to waive the {$21.00} balance on my account and sent me an overpayment check for some of the charges. A month later I get a statement with a balance again even thought I have n't used the card. I call and they say it will be waived to zero. Today I receive a statement and the balance has doubled. I called and they said they made an error and it was n't waived and now they have charged another fee and reported it late on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: DE

Complaint narrative:
{$3.00} REFUND REFUSED FROM A FAILED WESTERN UNION XXXX XXXXI MADE A MONEY TRANSFER THROUGH WESTERN UNION AT THE XXXX STORE XXXX XXXX XXXX XXXX, DE ( XXXX ) XXXX MANAGER XXXX. THE TRANSACTION NUMBER SHOWED AS VALID THROUGH WESTERN UNION TRACKING ONLINE. ' '' SEE ATTACHMENT ''. HOWEVER THE RECIPIENT WAS TOLD THE XXXX NUMBER WAS INVALID. AND THEREAFTER IT WAS NO LONGER VALID WITH ONLINE TRACKING. XXXX MANAGER XXXX SAID WESTERN UNION HAS TOLD HER IT HAS CREDITED BACK THIS AMOUNT TO THE XXXX STORE BUT SHE SAYS IT WAS NOT. AND IF IT WAS THE MAXIMUM REFUND I COULD RECEIVE IS {$990.00} ACCORDING TO CORPORATE POLICY AFTER SPEAKING WITH THEM. COULD YOU KINDLY ADVISE ME WITH THIS MATTER. 
MY NAME IS XXXX XXXX PHONE # XXXX. 
XXXXXXXXXXXX I THOUGHT I SHOULD ADD THAT WESTERN UNION TOLD ME OVER THE PHONE THEY COULD MAIL ME A REFUND CHECK BUT IT WOULD TAKE TWO WEEKS OR I COULD DRIVE XXXX ABOUT XXXX MILES AWAY TO RECEIVE A CASH REFUND. I DO N'T BELIEVE THAT AND NEITHER DOES THE XXXX MANAGER XXXX XXXX, DELAWARE.XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi Bank Credit Card took an " Unauthorized '' payment out of my bank account from past credit information they had on file. On XXXX/XXXX/2015 I made a payment of {$170.00}, and again on XXXX/XXXX/2015 Citi Bank took it again. I contacted Citi and they gave me several " Run-Arounds '' and various numbers to contact. I submitted several fax messaged to their " Payment Investigations Dept. '' @ XXXX with a cost of {$1.00} per fax sheet incurred upon me. I also have {$140.00} in overdrafts with my bank. Citi submitted {$100.00} of the {$140.00}, but there is still an outstanding {$36.00} overdraft they have not covered, and additional {$110.00} in XXXX Deposit ( s ) made into my account that my bank took to cover overdraft ( s ). So I am out {$150.00} total to date. I would like the {$150.00} refunded to me. I do n't wan the unauthorized {$170.00} back now because this has now drug out so long that we are into another month and I might as well just let them have that toward the account. Thank you. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK CAPITAL FUNDING CORP
State: TX

Complaint narrative:
I received a refinance interrest rate offer of 3.5% from Network Capital in XXXX California. After they completed a good faith estimate and sent someone here to do an appraisal another lender sent me an email guaranteeing 3%. I told Network about the other offer saying I think I will go with the XXXX lender. Network immediately said they will match their offer if I could get a good faith estimate proving their offer of 3%.  I told them they should have made that offer from the beginning and I wasn't going to have the XXXX lender construct a GFE just to bring my business to them. Network began very aggressively, to the point of extreme harassment, trying get me to make a deal with them. I finally had to threaten to call their District Attorney's office to make them stop calling me. I told them to give it up. I'm going with someone else. The only thing I need to finish my refinance with the XXXX lender is for Network to transfer the appraisal to the XXXX lender but they won't do it. They are essentially holding MY appraisal hostage so I can't go somewhere else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have been customer with home depot for a long period of time, due to financial issues I had the card close. I am aware of my responsibility that I have to pay the bills in my name. However when the bill was due I drag every change I have in my pocket and everything to pay XXXX $ to meet the requirement of the credit card. I have reached out for help, begged TWICE and was told no they ca n't help me. The representative was not knowledgeable nor empathize my needs of help. I am unemployed lay off, not qualified for unemployment because of company close out bankrupt. So, I have no income until I get a job. There was no empathy he even advise I will rack up late charges and then once it is past due enough maybe i would get help. Thus, jeopardizing myself further into more issues than i am already in.

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 2016-07-26 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was discriminated against when applying for a Costco/ Citi Visa card because our flooded home was in a National Disaster area, and thus my normal credit card expenses were raised due to living in a hotel for 11 weeks ; buying new appliances ; buying new carpets and kitchen flooring ; purchasing new furniture - and yet every monthly credit card billing was paid in full before the due date. Never a late payment. 
Costco decided to change from XXXX XXXX to Visa for their credit card. Not having a Visa, and being a long term Costco member I applied for a Citi Visa card. 
I was denied the Costco/ Citi Visa credit card even though I have no loans of any type, no mortgage, and no debts of any type. 
My complete financial history has never had a late payment on a credit card or loan. 
My FICO score is near or above XXXX with all XXXX agencies. 
Yet I was denied the Costco/ Citi Visa credit card. Supposedly because I used my ( unlimited amount ) XXXX card to pay for the 11 weeks of hotel plus other needed expenses, and yet paid every bill on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My husband and I applied for a mortgage loan with Citibank XXXX, CA on XXXX XXXX, 2016. We ca n't afford our rent with our retirement income so we looked to buy a condo in XXXX XXXX, FL where real estate is cheaper. We met all the bank requirements, including paying over a {$1000.00}, and then our loan was approved. After two months of waiting for the loan to close, the loan was denied because the condo 's HOA did not have as much coverage as Citibank was looking for. 

The loan was not completed on the closing date of XXXX XXXX, 2016 because of an issue with the HOA coverage between Citibank and the XXXX, but we hoped it would be done by the extended date of closing of XXXX XXXX, 2016. I tried to contact my loan agent, XXXX XXXX, before the second closing date but he did not respond. On XXXX XXXX, I sent him an email to ask what is going on with our loan. No response again. On XXXX XXXX, 2016, I called Citibank and talked to lady named XXXX. She made a complaint on my behalf and suggest I call XXXX XXXX, XXXX supervisor. I left her a message because she did not work that day. Soon after, XXXX XXXX called me - he was very rude, yelled at me and asked me why I complained to his boss. A couple of days later, on XXXX XXXX, 2016, I went to talk to XXXX XXXX in person. She apologize to me and she promised to return our money in seven to 10 days. After almost two month of waiting we have not received any money from them. My husband went to see XXXX XXXX a couple days ago but her coworker told him she was not in the office, even although he heard them talk behind the closed door. 

Expenses for the loan : {$290.00} - on XXXX/XXXX/2016 for condo inspection {$15.00} - on XXXX/XXXX/16 for an application fee ( bank charged our credit card, we approved ) {$460.00} - on XXXX/XXXX/16 for an appraisal fee ( bank charged our credit card, we approved ) {$260.00} - on XXXX/XXXX/16 for XXXX ( bank charged our card, WE DID NOT APPROVE ) {$1.00} - Total expenses. 
I can prove these payments/charges with my bank statement. 

All I am looking for is my money from the list I included above, although this process has cost me a lot of more. I spent my savings to pay off our car loan and our son 's student loan in full, which was around {$20000.00}, as this was a requirement from the bank. I can provide proof of this. Also, my current rent increased by {$200.00} a month, because I had to give my apartments a notice of vacation, again per Citibank 's request during the process of approving the loan. I can also provide proof of this. 

I do n't have money for lawyer, so you are my only hope to get my money back. 

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 2017-02-23 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.

Complaint narrative:
In XXXX my money in savings account number XXXX with Citibank was fraudulently withdrawn. On my protest, Citibank credited the money back into my account. Since I do not live in USA I instructed Citibank to block the account ( which obviously had been compromised ) to prevent further abuse until I identify myself in person. 
In XXXX, I visited the bank and to my utmost surprise, withdrawals were again carried on the account, In response to my inquiries, Citibank stated that after my account was credited with the previously disputed withdrawals of XXXX, the account was again debited in XXXX. Citibank admitted that despite the freezing instruction on my account, it was unfortunately not blocked as instructed " due to interest that was posting ''. 
Since then Citibank has refused to investigate and/or credit my account with the money despite several protest and complaints.

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 2015-07-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was approved for a new XXXX card issued by a major bank. I immediately set up the account for automated payment, which was approved and confirmed by the bank XXXX ) days in advance of my first payment due date. Two days after the first payment due date my credit card was rejected by a merchant. I called the bank who said I must pay the first bill manually. I, of course, point to the automated payment being set up far in advance. They say " we sent you a message via e-mail -- you must pay the first bill manually ''. I never received such an e-mail, and regardless, I had the autopay confirmed. The bank then charged me a {$25.00} dollar late fee and interest *even though* I then immediately paid the balance in full *using the automated payment method already approved*. In my opinion, this practice is a scam perpetrated on pro-active card holders deliberately to generate fees with no other possible financial or risk mitigating legitimate purpose. The Bank was perfectly capable of using the autopay against my first bill but clearly wanted the additional charges and interest through this sleight-of-hand misdirection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
Company by the name of " XXXX XXXX '' contacted me several times in an attempt to collect a debt that is n't mine. They were nasty, rude and refused to provide me with pertinent information if this would have been a legitimate claim ... .which it is not. I called back the number they gave me a XXXX time and they gave me different information as to why they were calling me. This is a huge scam and they need to be stopped. No company by their name is listed with the XXXX, and complaints are all over the internet. They have XXXX locations apparently, from XXXX to XXXX. DO NOT GIVE THEM ANY PERSONAL INFO, they need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Home Depot offered a 5 % discount for purchases with their Home Depot Brand credit card. After acquiring the card for only a short period of time the offer was canceled without any notice to consumers. This is a deceptive sales practice to lure consumers to obtain a Home Depot card that does not provide the promised benefit. 

The whole situation seems shady. There was nothing in writing to indicate a 5 % discount. The consumer had to ask for it each time a purchase was made or it was not offered, you were required to tell the cashier in every occasion or no discount was provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation