vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-25 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX/XXXX/15 I was on XXXX XXXX XXXX XXXX ) booking XXXX airplane tickets. At the end of the process, during check out, CitiCard offered a AA branded credit card with numerous incentives XXXX miles, status, extra points, etc. ) if I applied and used it to pay for my tickets ( ~ {$9000.00}. ) Weighing the benefits vs. carrying another credit card - and another inquiry into my account while I 'm in the midst of moving and having to buy a new house - I went thru the process. 

I got approved and the person on the phone told me I was to get a {$17000.00} credit line. 

I used that to buy my tickets. This morning XXXX/XXXX/15 I checked my email and XXXX for receipts. Nothing. So I call XXXX and find out CitiBank is declining my card. I call CitiBank and they say it should n't decline. We try again. I call back Citibank they now say that I only get temporary {$3500.00} amount. I tell them no one has told me this until my now XXXX call and that I would never have applied nor hit my credit score if this was the truth as I can no longer get any of the incentives. So, I ask them to cancel the application - because if as they say it is just a temp account - then lets not move forward. They refuse. They tell me I have to let the application go thru and then wait to physically get the cards and then cancel. 

I ask to speak to a supervisor XXXX XXXX XXXX - she also refuses to either let the charge go thru or to cancel the account. I ask if there is someone more senior - she refuses. I ask if they can give me the name of their customer service head - she refuses. Any information I ask for she refuses. 

Ultimately this is a very deceptive practice that will impact my credit score/record. Not to mention CitiBank 's total lack of desire to help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
We have gone to our mortgage lender on several occasions trying to get a lower interest rate with no success. We feel that we are victims of predatory lending practices. We need an interest rate that is more aligned to the market rate. Our current rate with Citi is 6.64000 %.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My wife and I bought our primary home with a mortgage from CitiMortgage in 2012, the investor on the mortgage is XXXX. We have been upto date on our monthly payments all along and have excellent credit profiles overall. The account is in very good standing right now. 

Recently we requested Citi to cancel PMI on the mortgage and an appraisal was performed, that showed the property had appraised a little. Based on the appraisal, we made a one-time additional payment of {$13000.00}, to bring the LTV to just below 80 % of the home value. Citi responded to us stating the investor rules on PMI require the LTV to be 75 %. When we appealed why PMI ca n't be cancelled with LTV at 80 %, they advised us to talk to XXXX. XXXX stated their rules require the loan to be XXXX years old, for PMI cancellation at 80 % LTV. 

Our understanding of federal rules on PMI, from consumerfinance.gov does n't require the loan to be XXXX years or older. Hence we 'd like to submit a complain, seeking help from the CFPB to help resolve the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-08 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Have a best buy credit card, use there 24 months same as cash, the past 23 months paid XXXX in minimum payments, plus an extra XXXX towards outstanding balances, only XXXX has be applied toward the same as cash balance. 
Feel, I 'm being taken advantage of buy best buy credit services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I made a payment using my Citicard rewards on XX/XX/XXXX. The bill was due on XX/XX/XXXX. They applied the rewards to the account. After getting late calls I contacted Citicard. They told me the rewards transfer does n't count as a payment. I do n't recall seeing any notice that the rewards transfer does n't count as a payment. 
I have been unemployed without benefits for 6 months. What little I had in retirement savings is gone. I 'm living on XXXX meal a day. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2016 I applied online to open a Citibank Account Package checking account. This was done in response to their website promotion ( code CZKD ) which promised a {$400.00} credit ( to be paid within 90 days ) after having maintained a {$15000.00} for 30 consecutive days. A total of 120 days. I fulfilled the 30 day requirement on XX/XX/XXXX. Today, XX/XX/XXXX, I have yet to receive payment or even confirmation that payment will be forthcoming. CitiBank has only told me that they have 'opened an inquiry ' but offers no further information. There are hundreds of similar complaints lodged against Citi in the CFPB database. Their promotions appear to be empty 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 explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I checked my credit report recently and I keep seeing a debt from Bloomingdales credit card on my report at all XXXX bureaus the charges were fraudulent and the balance is not mine fees interest etc seems to have been added for charges I do n't owe. I received a XXXX form from IRS stating that I was required to report this old item as income I did just that because I do n't play around with IRS now every month this nightmare item that was fraudulent to start with is being reported as a new and current debt I claimed it on taxes against my own will and now this this is fraud unfair and I want an investigation immediately

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 2016-10-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
CitiBank recently closed XXXX credit card accounts sending me a letter saying " we are not a fit '' because I did not use the accounts. My XXXX score is XXXX. Today I applied for a Citi Advantage Card, and was denied.Why is Citi shutting down my credit when my score is the highest it has ever been, and my debt is the lowest it has ever been? I am obviously a good credit, and I worked for the bank for over 5 years!

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 2015-08-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Every time I pay my Macy 's bill in full, the following month I receive a {$2.00} interest charge, although I have had no balance, This has happened now four times. They will generally remove the charge, but sometimes are quite resistant. If this is happening to me, it is most likely happening to many others. If Macy 's does this to everyone, they are receiving millions of unwarranted dollars and in my opinion that is fraudulent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I opened a XXXX checking account in XXXX 2016 with an offer for XXXX XXXX XXXX XXXX miles. I called and spoke to a representative to give them my XXXX XXXX frequent flier number so that miles can be credited to the right account. The representative noted on the account. I again sent a secure message to a citi representative on XXXX XXXX, 2016 who confirmed that I had met the requirement and the miles would post after XXXX XXXX. Now they are saying that the miles may not post. I am attaching their email to this complaint.

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 2015-04-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX I took out a XXXX mortgage through XXXX XXXX home loans. The loan was subsequently transferred to Citi Mortgage. In XXXX I became XXXX and lost my job, I did not pay on the loan and it expired under the XXXX Statute of Limitations in XXXX. Citi has removed the loan ( see attached XXXX ) but the XXXX XXXX lien is still showing up on XXXX County records. I have contacted both XXXX XXXX and Citi and neither will take any action to remove the lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I was issued a promotional {$50.00} prepaid card from Citi Bank. It was not clear to me that on the " good through '' date on the card the funds would " disappear. '' The card clearly says DEBIT on it, and I thought it would be treated like my bank debit card. My understanding is that I would have to obtain a new card. I spoke with XXXX different people at CitiBank Prepaid Card Services. They all had the same response, " Sorry ca n't do anything about it. '' They said I could n't speak with any further supervisors to explain my issue. The last person I spoke with was XXXX ( employee # XXXX ). When I asked for the address of their corporate office, she gave me the wrong address ( I checked online ). I saved this card to spend on something special. {$50.00} is a lot of money to lose ; if they do this to XXXX people, they just netted themselves a fast {$5000.00}! I want this resolved by receipt of either a check or new 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 explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened a bank account at Citi ( CitiGold checking account ) with a publicly available bonus code that would grant me a specific bonus ( XXXX Thank You Points ). As soon as I opened the account, I sent a Secure Message asking if the bonus was tied to my account, and the response from Citi was a confirmation of such. Upon completing the requirements, I then sent another Secure Message, where Citi replied stating that my bonus points would post within 3 statement periods, just as the promotion stated. I was told the points would hit my account no later than XX/XX/XXXX. XX/XX/XXXX, I reached out to Citi where I was told I would not be granted the points. This is a complete reversal of what I was told by their own personnel, which is why I felt it necessary to reach out.

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 2017-02-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
in XX/XX/XXXX I received a notice from alaska airlines visa signature credit card that I owed {$170.00}. this was {$100.00} purchases on the card and {$75.00} renewal fee for the card. 
on XXXX I paid them {$100.00} and cancelled the card. 
each subsequent month, I have received a higher bill from bank of XXXX. 
I have attempted to negotiate with the a number of times, they have subtracted a late fee once or twice but still keep billing me for increasing amounts, even though the card has not been used since XX/XX/XXXX and was cancelled in XX/XX/XXXX I even paid them a late fee after the latest negotiation on XX/XX/XXXX of {$27.00}. 
however, they continue billing me and the total due XX/XX/XXXX is {$230.00}. 
can you please help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Best Buy/Citibank has been charging me debt protection fees without my authorization. I just found out recently the total is {$1000.00}. In addition, I believe those fees have prevented me from paying off promotional purchases before the expiration date cost me at least {$500.00} more in back charged interest. I have disputed this, but have not heard anything except they would cancel the service.

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 2016-07-01 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 enrolled in a Citibank checking account in XXXX 2016 using a promotional code that offered me XXXX XXXX XXXX miles upon opening a certain type of checking account and completing specific spending and payment requirements. Over the last 5 months, I have completed the requirements in the specified time period and have also received multiple confirmations from Citibank that I was both eligible for the promotion and that I would receive the promotional airline miles. 

The miles were confirmed to be credited to my XXXX XXXX account within 10 days of my statement ending in XX/XX/XXXX. When I reached out to Citibank this week to ensure delivery of these miles, they disputed by eligibility and said I would not receive the miles as promised. 

I have attached several pieces of correspondence with Citibank confirming I was eligible and would receive the promotional miles. 

Given I was told by Citibank that I was eligible and would receive these miles, I feel that Citibank is engaging in dishonest and misleading business practices that should not be allowed. 

I would greatly appreciate the CFPB 's help in resolving this matter with Citibank. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Solidus Group LLC.
State: OH

Complaint narrative:
This debt collector contacted various family members and told them how much money was owed and that I needed to call before I was arrested for not paying the debt. I had family members call me and send photos of the number that would call them. They also left threatening voice mails on XXXX family members phones. I contacted them and requested verification on the debt and they refused. Multiple people disguised their voices, sent us to different extensions- like the legal department. When I was scared for what they might be able to do and to get them from contacting my family I agreed to a settlement. After paying the settlement they called back and said that I did n't pay the settlement fee of XXXX per loan. So I had to fork that over to get these people to leave me alone. They also said that if I did n't pay that they were going to send the police the next morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Regarding Citi Costco Visa Card Transaction ID XXXX I checked the merchant concerned the above transaction. 
The Costco manager said this transaction was by cash paid in full. 
I want Citi Costco Visa authority to contact the merchant to confirm this cash payment. 
And remove their charge for {$100.00} from my credit card record. 
I hope this action will conclude the last 4 months of haggling and trouble by the credit issuer to a consumer. 
I would like to obtain Citi reply to this issue. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
i applied for a loan with one main financial serval times because every time there an issue my score or my income is low and also same thing with my mother also they are the worst company everthey should not be in business.it what this company is pullingalso they act very nasty also

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a pre-paid debit card for {$40.00} when I purchased tires in 2014. I used the card once and still had {$22.00} on it. I moved and misplaced the card. I recently recovered it, and I saw it had expired, I called to see if I could still receive my funds and they told me my card had expired and fees had applied for maintenance and I now have {$0.00} left. I felt this debit card provided not only had a short date on it for expiration, but also that I was charged these fees. This card is produced by citi.com.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Mortgage is not reporting payments to credit bureaus. And I have spoken with them on several occasions in an attempt to remedy 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 2015-12-31 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
I have a Sears Mastercard issued by Citibank, which I have held since 2010. I have paperless online statements and email notification, and I make payments online. I have not had access to my online account or statements for XXXX billing cycles, and can not make payments online. though I receive email notification that a statement is available. I have talked with IR and customer service as recently as today, but they offer no solution nor a timeline for fixing the problem, which they explained as the result of a software upgrade. They offered to send me a paper statement that would arrive 3 days before my payment is do, and when I noted this was a violation of the law, they insisted that there is no legal requirement to send a statement to a card holder. Without online access, I have no access to my cardholder agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
XX/XX/XXXX, XXXX lost her salaried job and she was unable to find similar employment therefore our income reduction caused us to be late on our mortgage payments. 
XX/XX/XXXX, we were barely behind and were attempted to make payment arrangements, however Citi proceeded with foreclosure proceedings causing us to incur legal fees. To resolve this, in XX/XX/XXXX we entered into a repayment plan with Citi Mortgage from XX/XX/XXXX to the final payment in XX/XX/XXXX. Later we would receive a refund for a legal fees under the Independent Foreclosure Review because of Citi 's actions. 
We were lead to believe we would be eligible for a loan modification upon the completion of this plan, however Citi did not complete this. Instead, we fell behind on our payments again, and entered into a repayment agreement from XX/XX/XXXX to XX/XX/XXXX after which we modified the terms of our mortgage by extending the term. 
Please review this information to determine if the reporting of these payments can be updated to reflect that we paid the payments as agreed.

Company response to consumer: Closed with explanation