vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Bank offered a public promotion for any City Gold Clients to earn XXXX award miles once they meet the requirements. Since, I have met the requirements, they have not yet honor my reward. Furthermore, they have been dragging out the process by extending the investigation from few days to 45 days now. Every time I called, the story becomes different. Citi bank is using deceptive marketing to win over clients on to their Gold account, which requires monthly fees or holding on to large amount of deposit.

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 2017-03-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank
State: FL

Complaint narrative:
I 've deposited {$1800.00} in order to have a secured credit card with First Progress Card. 
After few years I decided to close the account, I 've called XX/XX/2017 to close and ask for the deposit refund, at that time I was informed it should take up to 7 weeks which is ridiculous. It 's Seven weeks already and I did n't receive the refund, now I 've told that is up to 10 weeks!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I was very sick in XXXX of 2015 with XXXX. It was mis-diagnosed by XXXX Physicians, so it was six weeks before I began recovery. I was late in paying off my Best Buy statement due to this illness, but the entire bill was paid, on XX/XX/XXXX for {$210.00}. I received XXXX late charges amounting to $ XXXX that I paid on XX/XX/XXXX. They have agauin charged me {$35.00} additional, and interest on the late charges, which amount to XXXX, which I paid today ( XX/XX/XXXX ) I have asked them on the phone and in a letter to remove the late fees and interest, and they refuse, stating they are justifiable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
My husband died in XX/XX/XXXX and I was making the house payments but, fell behind because I had to fix the the house. I have been trying for 2 years to talk to the bank but, they keep saying that I am not on the mortgage. I sent them a copy of the mortgage that, shows my name and it took them months to acknowledge. Then they took me to court and said, my dead husband filed for bankruptcy and gave up the house and got a judgement and the house now has a sale date. I applied for a modification and they keep sending letter I did not send documents and when I call they find them. Now they want me to start the who process again, when I have submitted all the documents. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I reported an unauthorized charge on my credit card with Citi bank. A charge was made that was not expected. The charge was made at a XXXX car rental. I was offered a free upgrade, only to find that that it was not free, but instead charged {$240.00} for this upgrade. When XXXX had me sign they gave me a PDA without a total on the screen, and the salesman said it was an agreement for the car rental. Nowhere was it visible that there would be an additional charge.

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 2016-11-13 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I called in to make a payment on my credit card and used the option to pay the entire balance due. This was on XXXX XXXX and my bill was due XXXX XXXX. I received a bill in the mail on XXXX XXXX saying that I owed interest of {$2.00}. How can i owe interest if I paid the entire balanxe due? When I called in they told me that the statement closing date and the due date were different and I was charged interest based on the statement closing date. They said it was my fault and when I asked if I would be charged interest again in XXXX I was told yes.

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 2017-01-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank is reporting the wrong default date. I graduated XXXX, I had a 9 month grace period before I was in default I never made a payment. My default date should have started XXXX/XXXX/XXXX on all XXXX of my loans. They are not reporting it as such on my credit. I want them to correct that date. my 7 year period has ended.

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 2015-11-30 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I paid my Macy 's card balance in full and the check cleared the bank on XXXX XXXX, 2015. The company has been billing me {$2.00} per month since for interest charges. The due date for my payment is the XXXX of each month. I do not intend to pay the charges and have called the company and gotten no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account, completing debit card purchase of {$1000.00} using CitiBank Debit Card and scheduling XXXX 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. 

On XXXX XXXX, XXXX, I received another confirmation from XXXX Borrows that I have successfully completed all of the requirements for the bonus. 

It has been long past the date that Citi should have transferred the bonus and I still have not received anything.

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 2017-03-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
there were fraudulent charges on my card. i called up on XX/XX/XXXX to report them them and get a new card sent. i was told i would receive in 1-2 business days. after not receiving the card on thursday i called back. i was told the card was sent via regular mail and they would expedite another. monday, after not receiving the card i called back. they said the card was sent but they didnt have any tracking and they would issue another one. i still have not received my replacement card and i have not received any type of email from citi bank

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 2015-08-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank sent me a notice of closure for an account I had with them since 1995 ( 20 yrs ). It stated to cut up any cards I had in my possession and notify any card users of the closure. They did not send prior notification stating the account would be closed and give me a chance to take action to keep it open. The account is one of my oldest trade lines and this closure will cause harm to my credit score. It 's unfair and I should have been given at least 30 days prior notice. They stated in order to re-open the account they need to pull a new credit report. This is underhanded and unnecessary. My credit was good enough for a XXXX limit 2 weeks ago and nothing has changed so this action is just a ploy to change the agreement from prior years. Pulling a new report will cause harm as well to my credit score. They admitted if they closed it in error it could be reopened without a " rescore '' or pulling of credit. This practice is unfair, deceptive and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A Federal Government card should not show on my Credit Report ( s ). I handled this with Citi when it first happened and now this is reporting on all three bureaus and late on XXXX. The bureau even wrote a letter which I am attaching. 

Account 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 2017-03-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I found your company information while researching who to complain to regarding citi bank. I have had this card for a few years now and I have paid it off a couple of times and kept if for emergencies. I have had struggles at times like anyone else now a days and I have called into Citi bank each time to work out a payment plan in order to get my credit in good standing. Long story short I have not received child support countless times which cuts into my monthly income, my children have medical bills that need to be paid before they can be seen for a doctor visit, emergencies on my home that need repaired. I can hardly ever get ahold of an actual person and once I do I am switched around countless times from department to department trying to set up a payment or schedule a payment or if I need to, make a payment arrangement for my account. Once I do talk to someone it is never a supervisor like I ask for, instead it is someone who says they are going to note my account, set up a payment plan, waive a late fee and it is never done. Each time I have called Citi bank and they have sent me countless emails stating " they know times can be tough, and they are here to help '' offering me payment arrangements and reduction of my monthly payment, etc. However, none of these " offerings '' ever get put into place. My account is always charged late fees even when they say that they will be waived so that I can catch my account up. My monthly payments were never lowed but raised. My account has been under my credit limit and paid up to XXXX currently and they just took it upon themselves to close my account. This was done without any warning or anything and also done while my account was current. This will affect my credit and I would like to get this resolved and my credit not affected for their horrible customer service or lack thereof. I would really appreciate any help that you can give. I work full time and I am a single mother of XXXX children so yes, my priorities are n't always my citi card, however, I always chat or call them to alert them to my situation and try to work out a solution to where I can get my account current and it not affect my credit score.

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 2016-08-13 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 was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou 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 ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) that I fulfilled all terms of the offer and to expect my bonus. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement.

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 2015-09-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank illegally reaged my account. Citibank misrepresented the date of first delinquency, and also misrepresented the date that my account charged off when they sold the delinquent account to XXXX XXXX XXXX XXXX XXXX ( XXXX ' ). 
The Citibank record no longer appears in my credit reports because Citicards is aware that the delinquency occurred in my account more than 7 years and 180 days ago. However, in their sale to XXXX XXXX, these dates are misrepresented, thereby XXXX XXXX reported the collection account in my credit reports ( XXXX, XXXX & XXXX ). 
I am requesting Citibank to immediately provide me the following items : Please provide the following regarding these account numbers:1. Date of first delinquency leading up to account charge-off2. Date of charge off3. Complete monthly statement history from account XX/XX/XXXX to XX/XX/XXXXPlease note that this case is being forwarded to the FTC. Please reply in official Citi letterhead.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MT

Complaint narrative:
Nationstar Mortgage bought my mortgage from XXXX. As part of the mortgage payment, we have an escrow account for the property tax and house insurance. Every XX/XX/XXXX and XXXX, the property taxes are due. Nationstar never paid the property taxes in XX/XX/XXXX. When I called, it took them XXXX minutes to cofirm the contact information for the county treasurer 's office but would n't take the information from me over the phone. They are trying to put me off by " escalating research '' to find out why the taxes were n't paid. ( I do n't care why THEY messed up. Just pay the taxes! ) In looking at this company 's information on the internet, I ca n't understand why you let them continue to operate?!! The complaints about this company are overwhelming. They are clearly incompetent, predatory in the marketing practices ( they annoy me constantly with email and mailings about refinancing our XXXX % mortgage ), and should not be buying mortgages. Please investigate this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a balance transfer offer with Citibank that expired in XXXX. I plan on paying the entire balance in full. By XXXX XXXX, Citi charged {$39.00} to my account. I want to get these fees waived, but have had difficulty in the past doing so with this bank. Been a Citi cardholder since 2012, never made a late payment and my credit is excellent. Recently, I spoke with a Citibank representative. They were able to reduce my interest rate. This happened before the interest charges posted on my account.

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 2015-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I bought a house on XXXX 2014 and I was presented with a property tax certification of {$0.00}. In other words that the house did n't have any tax debts. Later I received invoices for property taxes XXXX years before the closing date. Since this was a foreclosed house I contacted the bank that sold it to me and they said I was responsible for paying all those property taxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have had a Macy 's credit card account for several years. I keep a XXXX balance and then in XX/XX/XXXX - Macy 's decided to close my account without my knowledge. When I went to use my Macy 's card in XX/XX/XXXX - Macy 's decided to open a NEW credit account without my permission or knowledge instead of reinstating my existing credit line account. After SEVERAL attempts via telephone and email with Macy 's - I still do not have access to my credit card account online. I do not have the ability to see my account information, understand my consumer rights or pay my bill. Macy 's continues to show my old account information ( which they closed ) but will not allow me access online to add or view my new credit account information. I have written to Macy 's, called them, waited for them to call me back, and still have no access or resolution to access my credit account. That is the reason I am now writing to the CFPB to file a formal consumer credit complaint against Macy 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have been trying to refinance my home with Citibank/Citimortgage ( also my current lender for the present mortgage ) for 6 months. On Monday, XX/XX/XXXX, I received a closing disclosure showing terms, closing costs, and cash out to me. I signed acceptance and returned the disclosure to the company. Closing was scheduled for XX/XX/XXXX at XXXX at my residence. Upon arrival, the freelance notary Citi sent to conduct the closing had a different document than the one I agreed to on XX/XX/XXXX, despite the cover letter for the disclosure saying, exactly " This will be the same document you will receive during the loan closing. '' The actual closing doc showed closing costs $ XXXX+ higher than the disclosure, and my cash out $ XXXX+ lower. Citi knows I am on a tight time schedule and has taken this refinance down to almost the very last days ( I must release my ex-husband from the loan no later than XXXX/XXXX/16 ). I signed at closing so as not to delay the loan and risk falling out of our legally determined arrangement, but I both called and emailed Citi today requesting explanation and received no response. My Citi representative knew that cash out was important to me in order to make needed repairs on the property.

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 2015-11-09 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received my credit report from XXXX XXXX. There are a number errors. I do not or ever had a XXXX XXXX credit card. I complained about this error a few times over the years. 
I have never lived XXXX XXXX XXXX XXXX XXXX, or at XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. These errors were supposed to be corrected a few times but keep coming back. 
Thank you for any help you can give me. Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I have been an extremely loyal customer to Citi for nearly a decade. In that time, I have NEVER paid late on my account. Upon checking my credit report I was astonished to find out that there was a late report on my account in XXXX of 2014. 
The late report was due to Citi not applying a payment. Citi stated that the account that I used to make my monthly payment was frozen ( I used my routing number and account to pay ). This was inaccurate because the payment went through using the same account as a debit card transaction. This account has never been frozen and it has always been and still is in good standing ( I have a letter from the company stating this ). 
This has caused my credit score to drop as well as my credit limit to be reduced. Citi will not remove the late payment. They are just reiterating facts and not taking responsibility for their system misidentifying my payment account as a frozen account. This is the reason why my payment was received after 30 days even though I attempted paying my account twice. I even made XXXX payments that finally went through correctly to bring my account current as I am a responsible customer that does the right thing. Citi does not want to rectify their mistake when dealing with a long term, loyal customer with spotless payment history.

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 2016-03-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XXXX/XXXX/16 I spoke with a representative named XXXX at CITI and he declined my request for a report detailing my charge history and interest rate changes over time. He told me he would have to call me back to verify my account after I provided XXXX digits of my social security number. 

I feel strongly that this information is available only to the company, and as a consumer being charged 26.99 % interest I have a right to know my history.

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