vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am an Identity Theft Victim. My original FTC document was XXXX to CFPB on XXXX XXXX, XXXX. My personal information ( SSN, Birthday, Address, Driver License #, Phone # ) were stolen after I opened a phone number on XXXX XXXX, XXXX at XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sale person # XXXX The Criminal used my identity 1 ) Changed my address on file at Credit Card company, fraudulently charged more than {$36000.00}. ( XXXX XXXX {$12000.00}, XXXX 's {$4000.00}, XXXX {$7400.00}, {$1200.00}, {$1400.00}, CitiCard {$2000.00}, Macy {$1500.00}, XXXX {$1800.00}, XXXX {$4400.00} ). Repeatedly asking for Credit Card replacement or new card after I closed the previous ones. 
2 ) Stole my phone number twice and pretended to be me for Credit Card Call Back Verification. They also opened several lines with XXXX and charged equipment. 
3 ) Showed up at my address twice, first time waited for XXXX delivery to retrieve XXXX XXXX that I did not request and the second time stalked at my place, either waiting for US Mail delivery or tried to break into my now locked mail box.

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 2017-02-14 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was making a {$1900.00} cash payment for my Citibank credit card at a Citibank ATM. During the transaction the ATM reported that the transaction could not be processed at this time and was canceled. The ATM returned {$230.00} cash but the rest was left stuck in the ATM. I did get a print out from the ATM that the transaction was canceled and to contact the customer service number. A case/investigation was opened but then closed since I did not have a receipt of the transaction. I have opened multiple cases with Citibank and they all end the same way - being closed since I do n't have a receipt of the transaction. The problem is the transaction was canceled so there is not receipt. It was cash so there is no canceled check. this has been going on since the end of 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 2016-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Ever since XX/XX/XXXX I have been in a malicious dispute with Citimortgage with this alleged mortgage account # XXXX. I must reiterate I SHOULD HAVE NEVER RECEIVED A HAMP LOAN MODIFICATION. Citimortgage has refused to listen to me over these several years, when I have told them my adult daughter who is currently receiving XXXX for her XXXX is not fully capable to understand the documents she is signing. Example loan modifications etc. Citimortgage has continued ignored me and has informed if she does not sign I will be denied. This is not right but I am forced to do so regardless of the circumstances. I even said they can have a property for which they are not entitled to if I have to continually be at odds with Citimortgage to understand my adult daughters XXXX. 

Citimortgages Fraud Department said in a letter addressed to me that I " Reaffirmed '' this alleged mortgage in my chapter 7 bankruptcy in XXXX I would like to know WHAT REAFFIRMATION AGREEMENT did I allegedly sign in XXXX and WHERE did they obtain this information about this " Reaffirmation ''. 
Now they have accused me for filing a fraudulent claim of forgery this is not true. If I do not know anything else ..the one thing I do know is how to spell my name. Citimortgage has accused me of falsely filing claims against Them in an " attempt to eliminate a debt '' but they can not even address the Pennsylvania State Attorney Generals letters to them in an effort to address this matter. ( case file XXXX ). They would rather send an ACT 91 notice than to address or ascertain if there was any issues. In XX/XX/XXXX I received a letter of being transferred yet again to XXXX, it appears Citimortgage is " attempting to eliminate answering questions based upon their actions. 
Citimortgage has misconstrued my intentions in trying to obtain the best possible outcome for all concerned parties. FANNIE MAE, This writer and Citimortgage

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 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Although my refinance should have been a 'slam dunk ', unnecessary delays due to both loan processor incompetence and physical paper handling ( vs. electronic workflow/e-documents ) made my experience a stressful nightmare. After closing, I continue to have questions regarding calculations used when paying-out my escrow account. I believe certain values appearing on my [ new ] HUD are inaccurate, and my numerous requests to get clarity from the " Escrow Department '' go ignored. I 'm opening this complaint after several rounds of " phone tag '' and ignored emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-23 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit card last month stopped earning it 's promised XXXX earning bonus on restaurants. I filed a complaint with Citi about it and was told 'a notice came telling you it was changing '. The fact is, that is not true. I was never notified of any changes to my card. In fact, I just looked online And there are no notices on any statements or records of other documents sent 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 2016-06-30 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 Bank Account in XXXX XXXX, 2016 and I opened it because of a promotional sign-up bonus offer from Citibank for XXXX XXXX XXXX AAdvantage points. These were to be placed in XXXX XXXX AAdvantage account XXXX. They are charging me {$30.00} a month for this checking account. 

As a long time Citibank XXXX XXXX AAdvantage Credit card holder, I verified that I was absolutely eligible for the offer and that the promotion code and promotion was attached to my account when I spoke to customer service at phone number XXXX on XXXX/XXXX/2016. Both Citibank and I have an audio recording of this call for quality purposes. 

I completed the terms that required spending {$1000.00}. on my account 's debit card and 1 or more online bill pays for 2 consecutive months. Further, it stated that these XXXX XXXX Advantage points would be put into my account within 90 days. I did everything that was required and they have not given me my points. This is happening to hundreds if not thousands of people and Citibank is not being honest. This bad experience is making me re-examine my banking relationship with Citibank as well as my credit card relationship with Citibank.

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 2015-11-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a mortgage with CitiMortgage. They went up on my mortgage to the point that it was almost impossible to pay. I asked for a loan modification and they asked me to stop making my payments for 90 days. I did everything that they asked me to do. while I was doing what they asked they were behind my back the whole while trying to foreclose on my home. This has been going on for a while. They continued to ask me to send them the same papers over and over again. I send them the papers and the process just goes on and on with the same results. This is a conspiracy. PLEASE HLEP ME!! They are stealing my home from me. Many of my payments were not reported and Escrow money was stolen

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Without notice or prior warning, Citi closed my credit card account. I had no balance and was a faithful customer for over 15 years. Upon learning this I called the morning of XXXX XXXX to dispute this decision. I asked to speak to a manager and was notified I would receive a call within 24 hours, perhaps the same day. More than a week later, I 've heard from nobody. Poor service and treatment of customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Dear Sir/Madam, Around six months ago I opened Citigold checking account and I am still expecting XXXX XXXX XXXX miles to be posted for the promotion XXXX. On XXXX XXXX on my question XXXX XXXX replied that the investigation has been launched and I will get the outcome sent on my e-mail address which never happened. 
Before that on XXXX XXXX I have got a message XXXX from Citibank Client XXXX ( XXXX XXXX ) that my account has met the necessary requirements to qualify for this promotion and miles should be posted within 90 days which never happened. 
Before that on XXXX XXXX XXXX XXXX confirmed that promotion code XXXX attached to my Citigold account. 
What Citibank is trying to do is pretty much scamming, trying not to meet commitments after all their acknowledgements that I was eligible. I carry out my obligations and pay account fee which is $ XXXX monthly and I want Citibank to provide good customer service as advertised and honor their promises.

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 2016-12-02 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
{$1000.00} of fraudulent charges were made to my Citibank card on XX/XX/XXXX. After reporting the fraud on XX/XX/XXXX, Citibank reversed {$940.00} of fraudulent charges on XX/XX/XXXX. 

After closing the card and reopening a new one on XX/XX/XXXX, Citibank has not removed the last {$100.00} in fraudulent charges after stating that they would apply a credit to my account within 3-4 business days. Citibank has told me that they will charge a late fee for the minimum amount due that is late, even though it is a fraudulent charge that a customer service representative claimed they would remove. 

I have been told conflicting information from various representatives : pay the minimum amount versus do n't pay the minimum amount, there 's nothing customer service can do versus the fraud department can not do anything because it 's a customer service issue. 

I 'm not sure who to contact because Citibank 's customer service team seems to be unaware of who to contact in order to remedy this situation, and that I will be forced to i. pay a late fee on a fraudulent charge, ii. pay the balance for a fraudulent charge or iii. use Citibank 's 1 time waiver of the late fee for a fraudulent charge that they can not remove in 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 monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
In Citibank 's reply to my previous complaint, case number XXXX, they state : We have reviewed your account regarding your concerns with information Citibank reported to the credit bureaus about your student loan. Our review shows that your loan XXXX, a Federal Consolidation Loan, was sold to XXXX XXXX in XXXX 2011. As we have previously informed you, the information that we have reported to the credit bureaus is for the period that your loans were serviced by Citibank. We have reported the payment history for your loan as well as the fact that it was sold. The information Citibank has reported is accurate and will remain on your credit report for a period of up to seven ( 7 ) years from the last date of activity in accordance with the requirements of the Fair Credit Reporting Act ( FCRA ). 

The sections of the FCRA that you have referenced in your letter to the CFPB are not applicable in this instance, and therefore, we are unable to delete our reporting of your student loan. 

Citibank is failing to recognize it does apply because it 's a sold account and I was never notified in writing under FCRA 's 623 a 7. ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

FCRA Section 623 of the Fair Credit Reporting Act, Appendix A to Part 660, Title 16, Code of Federal Regulations, and the Consumer Data Industry Association 's Credit Reporting Resource Guide. Page XXXX of the Guide explains that " Both credit grantors and consumers depend upon consumer reporting agencies to acquire and maintain accurate credit histories. '' Page XXXX provides that accounts may be deleted if the account has been forwarded or sold to another agency, if the account was cancelled and returned to the original creditor, if the account was reported in error, or if the account has been confirmed as fraudulent.

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 2015-06-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Home was sold.. citi mortgage was my lender.. was trying to do a new loan modification. After wife had gotten hurt 2 years ago ... have had XXXX different representative since XXXX of last year. Felt like I was getting a complete run around with them.. never called on times that I had available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I sent a letter to Macys ( Citibank ) requesting they provide me with evidence, bearing my signature, that i ever had a contractual obligation with them. they did not follow the FCRA 623 ( a ) and FDCPA 807, in which they should have placed a dispute on my credit reports within 30 days and supply me with documents bearing my signature. I have made several attempts requesting this information. They also disputed any other accounts i have with them and placed " updated '' information on my credit reports about accounts i was not requesting information about.

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 2015-04-16 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
One Main Financial keeps attempting illegal phone calls to me after I have requested for them to stop. I sent them a letter, here it is attached and they are flagrantly disreguarding federal laws in their attempts and they need to be fined in accordance with the do not call policy. Consumers need help against banks like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I opened a citi bank gold checking account with a coupon code for XXXX XXXX bonus point if I complete the requirement for the bonus. I met the requirement got the confirmation from citi that I will be given the XXXX XXXX point in 3 month. But after three month. Cit told me that they will not honor what they said adn will not give me the XXXX XXXX bonus points. 
I ask citi to honor the promotion and give me this bonus code.

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 2016-08-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
We disputed charge of {$490.00} to Citibank on Merchant " XXXX XXXX XXXX '' for charge date of XXXX/XXXX/16. We mailed Citibank cover letter along with all prior documentation and providing detailed info on why we did not get the service they billed us for. Today we rec 'd letter from Citibank indicating investigation completed and they have no recourse with the merchant for this type of dispute. Citibank said they determined that the service for which we were billed was provided. They att 'd copy of old correspondence and billing from the merchant but gave no acknowledgement that they received any of our dispute correspondence where we gave specifics on not getting the service. I will provide you with all prior correspondence by attachment ( hopefully the prompt for this comes up later ) We have tried to contact Citibank to talk with someone but it is impossible because we do n't have phone # nor a contact person nor will they give me this information, even on the letters they send. I might point out that Citibank took over this dispute from XXXX XXXX as Citibank took over XXXX from costco. We have tried talking with the merchant, XXXX XXXX XXXX, but we can not understand anyone that has called us. Very heavy thick accents. We 're senior citizens and have a very difficult time understanding them. We ca n't even find out if XXXX or Citibank forwarded a copy of our dispute letter to the merchant. We sent the dispute letter to the bank as they were the ones that requested our documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased items on My Macys credit card. I returned XXXX of the times. 
No credit was given, until I called. Then they gave me store credit. Which I didnot want, or request. I wanted to credit to be returned to the card as I had purchased it. Deceptive selling practices. Pretty much had I not called them. They would of charged me the extra {$64.00} ( on the items I returned ) plus interest. NOt cool. 
They offered me " a credit '' to use in the store in 7-10 days..just ridiculous. 
Then had to argue with their out of the country representaives about making it right.

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 2017-01-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2017 I logged into my account and noticed that all my credit cards had XXXX available credit. My reward points were also missing. I contacted Citicards to inquire regarding this and was notified that all my credit cards were unilaterally canceled and my points were confiscated. No reason was given by the supervisor I spoke with. I was told that my points were forfeited as the bank had decided to cancel my accounts with no prior warning. Such an action is disingenuous and it seems that the bank can simply close your accounts to avoid allowing you to use that which you earned and that which is rightfully yours. I spent thousands of dollars on my cards which Citibank earned processing fees for. Part of the reason for my use of Citibank 's cards was due to their generous rewards programs. This seems like an easy out for the bank to collect fees without giving anything in return. My credit is stellar and I have never missed a payment with Citibank or any other bank. I have always paid in full. 
While I ca n't fault the bank for making a business decision ( if that 's what this was ), I should have been given notice prior to closure and should not have had to discover this myself. I should have also been given an opportunity to redeem any rewards that I had accumulated over the years being loyal to the bank. I rely on my credit cards for daily spending and deactivating all my accounts without informing me at all is inappropriate and unfair. This closure with no warning resulted in extreme inconvenience to myself as well as my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had a an Aadvantage Citibank MasterCard card for XXXX years. A balance of {$29.00} was due XXXX XXXX. As I have for several years, I set up the payment on my bank 's e-pay system to arrive on the due date. Have never had a problem. When I received my next statement, Citibank had assessed a late fee of {$25.00} plus a XXXX cent interest charge because it posted the payment XXXX XXXX. The {$29.00} was debited from my account XXXX XXXX. I called my bank and was assured Citibank received the funds XXXX XXXX. I called Citibank and explained the situation and it insisted the payment was late and REFUSED to remove the late charge. So I canceled the card. It is guilty of bad business practice -- has been for years, in my experience. Steals from its customers.

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