vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Referring to my previous complaint case # XXXX I entered into a new contract with Citi with the same results of them failing to fulfill their obligations. I called Citi during the contract period three times to remind them of their obligations. They let the deadline pass without applying triple interest which was agreed upon. I can not be the only one that this fraudulent method is affecting. So one more time I would like an explanation of how these mistakes are continually made enriching Citibanks balance sheet and leaving some poor consumer like me never knowing they were swindled. Every time I called Citibank they were completely unaware of the promotion and monies due me. I 'm glad I kept the records for 90 days not everyone does.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Citi Thank You Card ending in XXXX shows a current balance of {$14000.00}. 
However, my year end spend summary has arrived, and whilst these XXXX numbers should match they do not. It turns out as I have suspected I have OVERPAID and Citi Thank You actually owes me {$2600.00} and potentially more since I paid interest on items that should not have applied.

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 2017-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
we refinanced approx. 10 years ago, we was told this could help us in the long run. we pay XXXX dollars a month for mortgage payments. for ten years we have not seen any movement on our balance. principal interest or anything else. we payed in advanced for three years of mortgage and after noticing no movement on our balance the stated the computer was not set up to handle this transaction.10 years at XXXX dollars every month. no credit to the account we have lived here over 20 years.citifinantial sold our mortgage after we insisted on sending us something showing where our money was going. please help if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was told over the phone and I received a letter from Exxon Mobil stating that my credit card did not charge annual fees. At that time my card had a XXXX balance. XXXX month later I was charged an annual fee of {$29.00}. I did not pay pending a reversal of that fee. I was refunded {$24.00} leaving me with a balance of {$4.00} and subsequently charged a {$2.00} fee for non payment of the {$4.00} and charged another {$2.00} fee on the following month. All due to an annual fee I was told I would not incurr. They refused to refund the late fees and I was forced to close the account so as not to incurr in further fees, or forced to pay the illegal fee charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have underwent a home loan modification with CitiMortgage. The agent explain to me as long as I make the XXXX payment ontime they will not report me negative to the credit bureau 's. But overall, I have been trying to get this matter cleared up since the long modification went through on my home. I made all payments on time and have not been late on payments since this modification. I have yet to get Citi Mortgage to hold their end of the agreement to make a correction to my credit report. Please help in this matter. I have been hung up on by several rep 's with no showing of concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
We have a Best Buy credit card. We recently noticed we are being charged a fee each month labeled as " DEBT PROT XXXX. '' This is not something we signed up for or agreed to. We believe this is a predatory lending practice. The fee totals about 1.01 % of our balance each month. We have been charged a total of {$150.00} since XXXX 2015 which is the oldest statement we have access to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.

Complaint narrative:
I am a Citibank credit card ( Premiermiles/Platinum ) holder. Without any official or oral notice from the bank, my card was frozen this noon and resulted in no availability to pay my lunch with my client, which made me so embarrassing. After back to office later, I phoned the customer service and found out that my credit card was frozen for the reason of high risks of not personal using. 

First of all, I ca n't believe that how could they judged my consumption and payment with this card is not personal using. I traveled a lot and also paid hotels, meals, gifts and leisure. What is personal using? How do they approve my payments are not personal purpose? 

And also, I had not received any notice, even no call/message to inform me that my card would be frozen. Now I could not check any information about my previous statements history and rewarding point is zero. I am going to apply for a XXXX visa, now I do n't know how to approve my financial affordability without the bank statement. 

The annual fee for this platinum card is over XXXX USD which I was forced to pay it in the XXXX month of my using this card. It has been only 4 months for my using this Citibank card. The bank would not be returning proportional money as they have frozen my card. 

All in all, as an ordinary card holder, Citibank is making unfair movement to me as they could always use the corporate privilege against individual client.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I moved to another state ; attempted to change address multiple times with Citi. I had not received a statement from Citi in over a year. I called multiple times to change my address. I could not reach a human being until I called on XXXX/XXXX/2016. I was told by this person, my payment due had increased and I was now over my credit limit ( mind you I used the card one time for a promotional purpose when I opened this account ). Citi had charged multiple fees and penalties onto my account and had NEVER notified me of an issue. Upon calling in and finally getting a person to speak with ; Citi has refused to do anything other offer to waive XXXX interest charge and XXXX penalty fee. 

I believe Citi to be acting in a malicious manner towards consumers. Creating a maddening voice response system to cause confusion and near inability to speak with a live person, not promptly updating address records, and not contacting the consumer when there is an issue with the consumers account. Thus resulting in more ad more fees being added to the consumers 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 monetary relief
Consumer complaint received 2015-12-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Account Resolution Corporation
State: MO

Complaint narrative:
Incurred when still with now estranged wife. We each agree to pay half. The Account Resolution Corp agreed to let me pay my half all at once and to let my estranged wife make payments. My portion has been paid for 6 months now and it is still show I owe the full amount. This is still listed on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi is contacting me daily ( sometimes multiple times per day ) in an attempt to collect a debt that has been paid. I sent payment in XXXX and they have cashed the check. I have sent them a copy of the check yet they still call me every day.

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 2016-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a Citigold checking account with a promotion for XXXX AAdvantage points if {$1000.00} of debit purchases were completed within 60 days of opening an account and making qualifying bill payments for two consecutive months. I fulfilled the requirements but had not received the points so I made an inquiry. Their investigation tells me that I will not receive the XXXX points because even though they did not provide me a debit card until after XXXX/XXXX/2016, they started the 60 day duration for debit purchases ( which require a debit card ) on XXXX/XXXX/2016. I have included a timeline of events below. 

XXXX/XXXX/2016 - Application submitted Late XXXX - I received a packet saying that I needed to sign and complete an enclosed signature card, IRS Form XXXX, and also fund my account before it could be activated XXXX/XXXX/2016 - I mail a {$4000.00} check deposit, signed card, and XXXX to Citibank XXXX/XXXX/2016 - I receive an email stating my account is not activated and I have a few more steps. I call and confirm that I have completed the steps and I 'm waiting on my account # and card XXXX/XXXX/2016 - I notice that my check has cleared my XXXX XXXX account, but I still have not received a card or account number XX/XX/XXXX/XX/XX/XXXX - I receive my debit card XXXX/XXXX/2016 - I start making debit purchases XXXX/XXXX/2016 - I make a bill payment to Bloomingdales XXXX/XXXX/2016 - I fulfill the requirement of making & gt ; {$1000.00} in debit purchases XXXX/XXXX/2016 - I make my second Bloomingdales bill payment XXXX/XXXX/2016 - I make an inquiry and Citibank opens an investigation. 
XXXX/XXXX/2016 - I follow up and I 'm told that they are overwhelmed with similar inquiries to mine and I need to be patient. 
XXXX/XXXX/2016 - I follow up and give them information that I proves that I am a targeted member of the promotion and fulfilled the requirements. 
XXXX/XXXX/2016 - Citi responds saying they see I 'm part of the promotion but they opened my account on XXXX/XXXX/2016 and I did n't complete the debit purchases until XXXX/XXXX/2016. 
XXXX/XXXX/2016 - I respond saying this can not be true because I could n't possibly make debit purchases without a debit card and I submitted a check to activate the account on XXXX/XXXX/2016 which they did not deposit until XXXX/XXXX/2016 XXXX/XXXX/2016 - Citi responds saying they 've added the notes to the investigation, but it may not get an exception. 
XXXX/XXXX/2016 - I respond saying it is not an exception, it 's a system error. 
XXXX/XXXX/2016 - Citi responds saying the investigation is closed, they list the promotion requirements, and state that I did n't make debit purchases within " stated timeframe ''.

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 2015-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I, XXXX XXXX, would like to submit this complaint to CFPB in hopes of finding a resolution to settling my loan modification. I started this process ( loan modification ) back in XXXX of this year with Citi Mortgage and was approved for the loan modification ; However, I am in the process of losing my approval for my loan modification because I was informed by Citi Mortagae that my ex-husband had to sign the loan modification documents because his name was on the loan. Although this is accurate, my ex-husband signed over his legal rights to the home in the divorce decree and the warranty deed is in my name. I have attempted several times to get my ex-husband to sign the necessary documents for the loan modification but he has refused to sign and as a result of this, Citi Mortgage has decided to terminate my approval for the loan modification. It would be of great plesure if someone from your team could respond with next steps on how to get this issue resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Card opened a Costco credit card without my consent. This was the result of an open Costo XXXX XXXX being rolled over. After opening a card without my permission, I was automatically charged a {$55.00} Costo membership fee XXXX this charge was never automatically applied on Costco XXXX XXXX. Because I had no idea this account was ever opened, my balance went unreported ( no paper bill or electronic notification ) I received my first paper bill of {$140.00} on XXXX XXXX after the account had incurred financing and late fees. After an hour on the phone closing each of my Citi card accounts, I received an email notice of collection of {$1.00} on my Citi Costco. The card was closed, the account was current but somehow there is a collection for {$1.00}? Unacceptable.

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 2015-09-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I was approved for the Macy 's store credit card in XXXX, 2015. Two weeks later I applied for the Macy 's American Express credit card and was approved. On XXXX XXXX, 2015 I received a letter from Macy 's providing the pin number for the American Express card. I immediately called Macys and informed them that I still have n't received the credit card. I was advised that the card would be closed down and a new one would be sent. I called them back on XXXX/XXXX/15 and informed them that I still have n't received the credit card. Was told once again that a new replacement card would be sent out. On XXXX/XXXX/2015. Still no Macy 's American Express credit card. When I called them on XXXX/XXXX/2015 I was told due to all the issues of not receiving the card that they would overnight it to me free of charge. On XXXX/XXXX/2015 I received the so called overnighted card. Not only was it not overnighted as I was promised, it was a replacement store credit card. I never requested a replacement store credit card. I never advised Macy 's that my store card was ever lost or stolen. So why was I even sent a store card to begin with. As of XXXX/XXXX/2015 I still have n't received the Macy ' American Express credit card that I was approved for over 2 months ago. They cant claim address problem. I did receive the letter containing the pin number. Even after I moved I purchased a {$1100.00} mattress set within the last 2 weeks which was delivered to my new home address they now have on file. Their customer service department is just completely terrible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a Citibank bank account XXXX checking ) and credit card and ATM/Debit card. I travel. Every 5 years when my ATM card expires Citibank disconnects me from my on line banking, until I enter information from the NEW ATM card that they sent to me. But I am traveling and I did not get my new ATM card yet as it went to my mail forwarding service. So I can get it if I call my service and ask them, to package up my mail and send it to me here in Maine. However receiving mail where I am in Maine is not too secure. Please note that no other bank that I use DISCONNECTS me from my on line banking every 5 years when my ATM card expires, and usually I am not at a place to receive the new ATM card as I travel.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macy 's failed to secure my accoun and would not share information with me how my account and personal information was compromised. There was a purchase for about XXXX for fancy watch ( out of my state ), which was then credited to my account a few days later. When I called to check the status of the investigation, Macy 's said that since it was returned, there is nothing to investigate. Macy 's fails to provide me information about the incident. I felt closing the account was the best solution, but even after I 've closed the account, I 've received XXXX letters already indicating someone is trying to reopen my account. I had to close other credit card with fear that someone else was going to use them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received an application from CITI for a XXXX Credit Card. On XXXX/XXXX/15, I called to inquire information about it. My main concern which I reiterated was that I did n't want to lose my points that I had accrued. The gentlemen I talked with initially said I would, but then when I said I had XXXX CITI cards which were linked together earning points, he then put me on hold and said he needed to talk with someone about this. He came back to the phone and said, no I would not lose my points and he would open up the new XXXX Card. I asked him again, are you sure. He said yes, that I would n't lose my points. I then got his name & where he was located, just in case there was a problem. For several months the points were on my statement, so I never gave it any thought there was a problem. Then I checked my statement on line & the majority of the points were gone. I called CITI XXXX XXXX/XXXX/15 XXXX & talked with someone who stayed on the line while I talked with the Department who handled the Thank You Points. She had the other operator fill out a dispute form & said, that it was what had to be done, but assured me that I would get my points back. I received a letter date XXXX/XXXX/15 denying my reinstatement of the points. 
XXXX/XXXX/15 ( XXXX call ) I asked the representative to please pull the voice recording to verify what I was saying was true. She said there was nothing more she could do. 
This was blatantly fraud on the gentlemen 's part to initiate this credit card when I emphasize that I did not want to lose what I had been saving up for years with my points. My points were denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XXXX : Citibank promised me a {$400.00} bonus for opening a checking account. 
XXXX : Citibank reneged on this promise. 
XXXX : I filed a complaint XXXX with CFPB. 
XXXX : Citibank promised to pay bonus on or around XXXX XXXX. 
XXXX/XXXX/XXXX : Citibank again reneges on promise. 
XXXX/XXXX/XXXX : I filed a complaint XXXX with CFPB XXXX/XXXX/XXXX : Citibank promised to pay bonus in 48 HOURS and left contact number XXXX XXXX/XXXX/XXXX : After waiting 12 days, still no promised bonus. Voicemail messages to given number go unanswered XXXX/XXXX/XXXX : I am filing my third complaint on this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX I placed an order on the Macys.com website with a total of {$590.00} using my Macy 's Credit Card. On XX/XX/XXXX I received an email saying that half of my order was back ordered until XX/XX/XXXX and I canceled this part of the order. I called Macys customer service to have the charges of {$360.00} removed. They said that it would take 3-5 business days for the hold to be removed. Today is XX/XX/XXXX and the charges have not yet been removed. I have been on the phone with Macys customer server for over an hour and they are refusing to assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX changed credit card companies from XXXX XXXX to Citibank. We cancelled our XXXX membership and our XXXX XXXX and refused service with Citibank. Afterward, we regularly received letters saying they would open the credit card account with Citibank. We contacted XXXX and Citibank multiple times refusing the credit card but they still opened the account. We now have an unauthorized Visa credit card from 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 explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CITIFINANCIAL HAS PLACED DEBTOR BLAME ON ME FROM AN ACCOUNT APPARENLTY OPEND LAST DECADE. I HAVE NO KNOLEDGE AOF ANY ACCOUNT WITH CITIFANCIAL. I HAVE TRIED TO TO GET THEM TO REMOVE ANY REFERNCES TO ME WITH THIS ACCOUNT BUT THEY REFUSED. EVEN XXXX COLLECTION AGENCY CLEARED ME OF ANY DEBT ; YET CITIFIANCIAL CHOOSES TO OVERRULE. I JUST WANT THE DEBT REMOVED FROM BY CREDIT PROFILE.

Company response to consumer: Closed with non-monetary relief