vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/2016 I applied for a CitiBank credit card. On XX/XX/2106 I received a notice CitiBank was unable to complete my application because I have a security freeze on my credit history. 
When I had my credit freeze applied, part of the agreement was organizations I currently have a credit relationship with would not be affected. I currently have a credit card with CitiBank, so I have an existing credit relationship with them. Upon calling CitiBank, I was told they could not use old credit data to approve a new account. They can get new credit data anytime they want because of my existing credit card account. 

Rescinding the credit freeze involves considerable time and energy that I do not have. In addition, I would be required to pay to have the security freeze both turned off, and then back on again. According to the original agreement I have, this should n't be necessary. 
I called XXXX, the agency referred to by Citibank. None of the menu options apply to what I need, and as I 'm sure you 're aware, it is not possible to talk to a person at any of the credit reporting agencies to correct the problem. Further, the CitiBank representative I talked to would not allow me to escalate the complaint there. 
I ask that CFPB contact the affected organizations and require they abide by the Security Freeze agreement they entered into with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am trying to obtain a loan modification with CitiMortgage. Without notification, they sent the loan modification paperwork via XXXX which I never received. My attorney had claimed Chapter XXXX to prevent them selling my house many months ago which we let be dismissed because they were working with us but in such time, they will not accept my payments, will not provide me with a XXXX, have put my house back into foreclosure and therefore we have been forced to file again. My mortgage support specialist never calls back when he says he will not even to my attorney. My situation is complicated so there was additional paperwork, in which they did not disclose the information for, that was signed and delivered for the second step of this process that they DID receive, however, they never contacted us about the loan modification documents which was the first step. There seems to be no protection for me because the XXXX envelope was not delivered to the proper address or got lost somewhere or put in a bush. I do n't understand how this is acceptable. There needs to be some sort of culpability for the mortgage company. We have been jumping through hoops for the last year and a half trying to get this settled and still it is not. I am a single mother just trying to save her house and I feel like I have no rights and that they can just do or say whatever they want. Are there any protections in place that would ensure they proceed in a professional manner and are responsible for their actions and holding up their side of the bargain?

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 2016-08-11 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a savings account with Citibank XXXX and also with Citibank XXXX. I needed to transfer money to that country and customer service chat agent in XXXX recommended me to do a Global Transfer. I followed his advice and instructions and on XXXX XXXX sent XXXX XXXX from my savings account in XXXX to my account in XXXX, however the operation could not be completed in XXXX and was rejected and reversed. The office in XXXX gave me notice of it and also the reference number XXXX as constancy that the global transfer and the XXXX XXXX were reversed back to the sender in XXXX ( myself ). 
Until here, this is a normal issue, however after 3 months Citibank XXXX has not given me my money back! I have called several times and communicate with different agents ( Global Transfer Specialist, Customer Service, Speed Unit etc ) and they say that they need to do an internal process to clarify what is happening. I have got XXXX reference numbers in Citibank XXXX that are XXXX and XXXX about that internal case. They told me the back office need to communicate with XXXX and solve something, and that it will be resolved in about a week, but almost 3 months have passed and my money is still missing, I keep calling and they keep saying that need to clarify and that I should call again on a week! I needed that money to pay a mortgage in XXXX and Im already running on high interest there. 
What is weird is that when I call XXXX in less than 10 minutes I have again the confirmation number showing that the Global Transfer was rejected and the money sent back to the sender, Citibank XXXX, so I don not understand why Citibnak XXXX is taking almost 3 months to give me my money back. 
In summary, I did an online global transfer from the Citibank webpage from my Citibank savings account in XXXX for XXXX XXXX, but the operation was rejected so the money should come back to my account in less than a week, nonetheless Citibank XXXX is taking months to give me my money back even tough I have the constancy of the money reversal. They do not provide me any reasonable answer, just that an internal case is open, and they refrain to answer when such case will be solved or what is happening. Please help me, XXXX XXXX is a lot to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently opened a Macy's/American Express card . Shortly thereafter, I received a bill with XXXX fraudulent charges - XXXX {$20.00} refills for XXXX. I immediately contacted XXXX XXXX and reported the fraudulent usage and closed the account. 
I have had the same experience with another XXXX account that I had held for more than 20 years. Over the last year, my account was compromised XXXX times. Each time I reported it, received new cards and the charges were reversed however, XXXX did nothing to secure my account as it kept happening so I closed it. 
Today I received a letter ( with an incorrect account number ) asking for the same information I had provided when I first reported the fraud and requesting I submit a copy of my driver 's license, social security card, work ID, etc. Needless to say I had no intention of supplying that information to them via mail or in any other format as they obviously have poor security standards. 
When I called to protest, I was initially told if I did n't submit the information my dispute could not be processed and the intimation was I would be responsible for the charges. I reiterated that I was not submitting my personal information and I was then transferred to a supervisor who said I did n't have to if I was " uncomfortable '' doing so but they would still need the form and reiterated that my dispute would not be processed without it. 
I have disputed any number of charges in the past with numerous banks and retailers, that were either in error, fraudulent or when I could not get satisfaction from a merchant. Never once have I been required to complete a paper form after completing the form online or speaking with a representative directly and I have absolutely no faith in XXXX XXXX to handle this correctly. Their customer service was at one time exemplary but within the last few years has become abysmal. I am attaching the credit card statement that includes the case dispute number XXXX XXXX provided when I first contacted them. The number is 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 2015-10-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I want to close my Sears credit account. I called the number on the card and spoke to " XXXX '' - no last name or ID number. She refused to cancel the account because I could not provide the phone number we had years ago when we opened the account - and I do n't remember what it was. I was able to provide all other verifying information, and offered other verification as well. She insisted that she could not close the account. I asked to be transferred to a supervisor. She told me that no supervisor would be willing to talk to me. I insisted, she put me on hold for over XXXX minutes. When she came back she transferred me to " XXXX '', ID " XXXX '', who said she was a supervisor. XXXX asked the exact same questions, and then refused to close the account because I could not provide the phone number originally used in opening the account. Again, I offered other verification but it was refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-25 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Closed account XX/XX/XXXX card cut up because rep with a foreign accent wanted me to send copies of drivers license and social security card which Im not going to do. Never had a credit card company ask me for this and fear this may cause identity theft. My credit union rep issued a certified bank check XX/XX/XXXX to pay off the entire balance on my statement which was received on XX/XX/XXXX by Citicards. They claim it was returned by bank which is ridiculous because XXXX other like checks cleared just fine. On XX/XX/XXXX they called and wanted the bank checks routing # and account # off check to process and they claim it failed to process again. Note this was not paid on my personal check but on a certified bank check I called my bank rep and she said they would need the physical check they mailed back to void and reissue funds another way. I have let XXXX citicard reps know this but they keep calling and harassing me. My bank rep XXXX tried to contact citicards to get it paid but they told her they ca n't discuss my account with her. This better not affect my credit rating as we have in good faith paid the entire balance as of XX/XX/XXXX well before the due date. This is ridiculous and a tremendous inconvenience and waste of time for all. I have all documentation attached to back this up including a copy of the original certified bank check, statements and emails with my credit union rep. This kind of activity where credit card companys have free reign is why so many americans have bad credit when they should not. I appreciate your help in getting this matter resolved quickly so we can move on

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 2016-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a CitiGold Checking Account in XXXX XXXX with a promotional code offering XXXX miles when meeting listed requirements. I confirmed via email with a representative from Citi that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. I met the requirements in XX/XX/XXXX, as confirmed via email with a Citi representative, and was advised miles would post by XXXX/XXXX/XXXX. I also provided my XXXX account number to Citi via email so they would be able to credit the miles and received notification back specific to this promotion that the account number had been added. When the miles had not posted a few days after the XXXX XXXX statement, now more than 90 days from meeting requirements, I submitted an inquiry and was given the response that although I had been advised that I had the promotion on the account, that I was not eligible for the promotion. What 's most odd is that someone made this determination and decided that I was not eligible prior to the XXXX/XXXX/XXXX posting date, but chose not to tell me and instead allowed me to continue to incur monthly fees which are charged on the XXXX of each month. I have paid at least {$60.00} in total monthly service fees to Citibank since they made this determination and have appealed their response multiple times. Although the customer service reps have acknowledged the prior confirmations that I had the promotion and met the terms, they 've told me that they can not assist. They did agree to open an investigation on XXXX/XXXX/XXXX and gave me an expected turnaround goal of 7 business days, but it has now been 18 business days ( 28 total ) and I still have not heard back. They have again charged a monthly service fee to me on XXXX/XXXX/XXXX, which seems to be their end game with 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 2017-02-18 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I had purchased a set of 4 Good Year tires for my car from XXXX dealership in XXXX WI. At the time XXXX or XXXX was offering a {$100.00} rebate for the purchase of a set of tires. Good Year was also offering an {$20.00} rebate for the particular tire I purchased. The same rebate would have been {$40.00} if I had used a Good Year credit card to pay for the tires. XXXX XXXX XXXX XXXX XXXX purchased a prepaid credit card from Citi to put this {$100.00} rebate on. Good Year had also purchased a Citi prepaid card for {$20.00}. After receiving the cards I had misplaced them and thought they were lost. I could n't report them lost to Citi because I did not have the card numbers. I found the cards a week or so ago but they had expired. I contacted the Citi number on the back of the card and was told that the entire money balance on the card was forfeited to the bank on the expiration date. They refused to extend the expiration date or issue a replacement card. I was told that a lost card had to be reported within 60 days. The card purchased by Good Year had expired XXXX so I was reporting within 60 days of expiration and they still refused to issue a replacement for that 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 2015-10-21 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 continue to be charged {$25.00} monthly from citibank. I call every single month and I 'm told the same story about how the charge is being reversed. I have spend over 4 hours on the phone ( not include the times my husband has called ). We want my money back! I did not sign up for an account that would charge me a monthly fee and I am continuously told they have downgraded my account and we will not be charged. When I call or go online I see the charge once again, month after month. This is a deceptive practice and I bet XXXX people are being charged and not realizing it. I do plan on leaving citi, however my mortgage is also with them so it is more difficult to switch banks. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-11 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I applied for citibank card in conjunction with XXXX XXXX promotion, promising XXXX bonus miles so long as I spent {$3000.00} in the first 3 months. I received the card and spent over {$3000.00} in the first 3 months but saw no such bonus miles. I called Citibank today and spoke with a representative, who indicated they would not be honoring the promotion because of activity with other credit card accounts. Their promotion did not convey any such restrictions / limitations in a manner that I understood, and so I believe their advertising was unfair and deceptive, specifically in such a way to induce me to apply and utilize their credit card product where I would not otherwise have done so. 

When I discussed this with the representative they refused to honor the original promotion. I requested that they put a note on the account letting them know that I would be contacting the CFPB.

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 2015-06-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi Card posted my account as past due 30 days for a {$40.00} payment which they simultaneously received a payment of {$400.00}. They sent me a letter stating if I had financial issues they can help before my account goes past due and reported to credit reporting agencies. However, while this was happening they had already reported me past due and cost me XXXX points of my XXXX fico score. This is unsound business practice and unsound treatment of customers. {$40.00}!!! Phenomenal large payment history. I just got an auto loan which may have been affected by Citi 's lack of common sense and customer care therefore costing me unknown financial hardship.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hi, I hold the Citi XXXX Credit Card. As per the card features stated on the company 's website I am supposed to XXXX 5 XXXX loyalty points for every XXXX that I will spend on airline tickets directly with the airline. I spend XXXX ( as XXXX separate transactions of XXXX XXXX and XXXX XXXX ) on buying air tickets with a XXXX based airline called XXXX directly through their website. Citi is refusing to credit me the required points for this transaction at a rate of XXXX points per XXXX spent and is instead awarding me only XXXX points per XXXX spent. When I inquired they are saying that the airline has not classified its business under the correct airline code so they can not give me any bonus points even though they know that the spent was done at an airline. This is really unfair because I as a consumer can never know which business has classified themselves as an airline or otherwise. All I know is that I am spending the money at an airline and I should be rewarded XXXX bonus points for the spent done with them in line with the promise that Citi made to be at the time of selling the product to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX 2016, I opened a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

I confirmed with Citi on Multiple occasions ( XXXX, XXXX, XXXX ) that I fulfilled all terms of the offer and to expect my bonus. 

Despite meeting all requirements to receive my bonus, the Citibank refused to honor their end of the agreement. I had to file a complaint before they re-evaluated the situation and finally agreed to honor the initial offer. I was told on XXXX XXXX that I would have to wait 60 days to receive the offer. Today is XXXX XXXX and I still have n't received any points into my XXXX XXXX account. 

I filed another complaint earlier this month/late last month because I suspected that Citibank would fail to honor their agreement. This is exactly what happened. I still do n't have the miles promised to me. 

I ask that Citi credit my account immediately. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 

THE NEW JERSEY CONSUMER FRAUD ACT : If a jury or a court determines that a party has committed an act of consumer fraud, then that party must pay three times ( 3X ) the amount of damages awarded to the other party. ( N.J.S. 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 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I recently completed a short sale of my previous home. I had XXXX mortgages on the property. The primary mortgage was completely paid off and the second mortgage received a portion of the remaining balance. I thought the sale went through appropriately and we coordinated with the lenders to make sure they would accept the terms. After the sale everything appeared to be processed correctly ; however, I was recently notified that the second mortgage lender ( Citibank ) is suing me for the remaining balance. This is extremely upsetting because prior to the sale Citibank provided a letter stating they were accepting of the terms and waives their right to pursue deficiency judgement against me. I am now in shock and nervous about what to do. I thought we did everything per the book and now I 'm in this mess. Any help would be appreciated!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
There was an overpayment on my credit card of over {$12000.00}. I have continued to use the card so that credit has gone down to about {$10000.00}. I have called citibank 5 times over the past 2 months and they keep telling me the refund is under review or that a supervisor needs to review the refund before it can be refunded.

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