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

Complaint narrative:
I am an Identity Theft Victim. My original FTC document was fed-ex 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 Card 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 2015-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have been trying to get a modification under the hamp program with my mortgage company. The first time I got it all done & it went though & I began my trial payments. Due to some personal circumstances I was n't able to make all XXXX payments so the modification fell through. I tried repeatedly after that to get the hamp redone. I was told by XXXX rep that since I fell out it probably would n't happen again. I have since then spoken to another rep, sent all my docs in again & have not received a response back. I sent an email today to inquire about my next step & was told my request was closed back in XXXX but I was never notified of this. My mortgage has continued to get further & further behind due to this & now I 'm afraid I 'm going to lose my home & do n't feel like I can get the help I need through CitiMortgage & am really at a loss as to what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Bankruptcy final XX/XX/XXXX, at that point, was not including the home. We never did reaffirm the debt with CitiMortgage. After MANY months of trying to work out a payment arrangement with CitiMortgage, filling out the same paperwork multiple times, sending and having to resend requested paperwork to them multiple times and getting nowhere we decided to give up and let the foreclosure take place. Sheriffs auction was XXXX XXXX and Confirmation of sale was XXXX XXXX. Beginning XXXX XXXX we started receiving Statements from Citi, when I called CitiMortgage they informed me that we still had a mortgage on file with them. So I called their attorney XXXX and inquired with them, and they told me they show it as final that we no longer have a mortgage with Citi, I had to take it up with Citi. In the meantime I received paperwork from Foremost Insurance telling me I need to take out Hazard Insurance on this home, which may I add I no longer own according to CitiMortgage attorney XXXX, and if I do not do so they will get Insurance for me. So I contacted my attorney. When I spoke with him, he informed me that technically the home was discharged in the Bankruptcy because we never reaffirmed the loan. Today, XXXX/XXXX/XXXX, I received a XXXX Form from CitiMortgage for XXXX taxes. Im not sure what our next steps need to be as I am waiting to hear from our attorney used for bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I misplaced a rebate card issued by Citi for tires I purchased in XXXX of 2015. When I located the piece of mail and opened it I found the card expired a week earlier. I called Citi to get a new card and was refused being told they XXXX the balance as of the last day of XXXX. The card was for {$70.00}.

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 2016-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2016 at XXXX est I received a voicemail from a person who claimed his name was XXXX XXXX . He called from XXXX. The voicemail insinuated he was an official of XXXX County who was attempting to serve me legal papers. When I called him back, he said he was trying to speak with me regarding a debt related to an old Citibank credit card. Because I formerly worked as a debt collector, I knew he had broken various guidelines as dictated by the FDCPA. I asked him if he was attempting to collect a debt, and he said no. I asked him why he did not recite the Mini Miranda, and he replied that he was not a debt collector, though he called me regarding payment arrangements for an old debt. I have copies of 2 voicemails that he has left me, and will provide them if requested.

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 2016-02-12 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I made a purchase with my Macy 's American Express account in XXXX XXXX for {$48.00}. I would get my statements delivered to me through my online banking service. When I tried to use my card again in XXXX XXXX, it was declined so I called the company. They said my bill was 2 months overdue. I explained I had not got a statement at all and I did not use the card monthly, therefore, I did n't track whenever I was supposed to receive a statement/make a payment. They offered to forgive {$19.00} of my fees/interest charges. I had always paid my bill on time in full. In XXXX, my credit union switched to a different online bill pay provider, but my credit union stated that Macy 's should have sent me a paper statement. I called Macy 's American Express again and this time I was told that there had been a letter sent out in XXXX stating that they were no longer going to be sending statements electronically through my credit union 's bill pay. I do not recall receiving this at all and what I do not understand is why the company never sent me any statements until I asked them to.

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 2016-09-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I recently opened a Citi credit card ( less than 2 months ago ). I started using it normally with no problems at all. Approximately 2 weeks ago my card stopped working without any notice what so ever. This is when I had one of my worst experiences with banks. I tried to reach someone to speak to for days, when I reached someone to speak to, I was told they do not know what is going on, they hung up the phone 2 times! After some days the card started working again, and again without any notice at all. Then after some days it stopped working again, when I called to inquire they told me my account is being closed! 

Apparently someone decided to close my account, probably because I requested to make a complaint, which by the way was not filed. 

I believe that such careless handling of customers ' credit lines is something extremely sensitive, and it would also affect my credit score negatively.

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 2015-07-30 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
After checking my Sears Credit Card online statement in XXXX 2015, I noticed an unauthorized Balance Transfer Convenience Check transaction ( ck # XXXX ) that was posted to my account on XXXX/XXXX/2015 in the amount of {$400.00} and a {$16.00} balance transfer fee. I sent Sears Credit Card a letter stating that I never authorized the issuance of any type of balance transfer checks for my credit card account nor have I ever received any type of balance transfer checks in the mail. I requested that a dispute inquiry be opened since I was a victim of balance transfer check fraud. The bank sent me a copy of the balance transfer check image which was not made out in my handwriting or did it have my true signature, the signature on the check image was forged and completely different than my true signature. On XXXX XXXX, 2015, I sent Sears Credit Card a certified letter w/return receipt ( USPS Certified Label # XXXX XXXX XXXX XXXX XXXX XXXX ) stating that I was indeed a victim of balance transfer check fraud and requested that they open a formal dispute investigation. Since then I have not received any type of formal dispute investigation acknowledgement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I logged into my account on line today to discover the account had been closed. Absolutely no notice of pending closure was provided by ExxonMobil. Expiration date on the card is XX/XX/2019.

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 2017-03-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have contacted Bloomingdale 's customer service department four times about this matter and I have been continually lied to about this matter being resolved on my next statement. It still is not resolved four months later. With this letter I am asking for your help in finally resolving the issue. 
I put jewelry charge of {$4000.00} ( {$3700.00} after using {$220.00} worth of rewards cards ) on my club account on XX/XX/2016, but returned the jewelry on XX/XX/2016. The credit was applied to my regular revolving account by the sales person even though I asked her at the time to make certain that the return be taken off the club account. Ever since my XXXX statement, the charge has appeared on my club plan with a balance. 
After every monthly statement received, I have called, spent an hour on the phone with customer service. I am promised that the charge on the club plan will disappear and everything I 've paid will be re-routed to my revolving balance or my other club balance. My newest statement still has the charge and nothing has been credited to either the other club plan purchase or the revolving side of the account. 
All this time I have been paying for something I returned in XX/XX/XXXX and all the money I 've paid is being diverted from balances to which payments are intended. A customer service person even LIED to me and told me the charge had just been credited the day before when I called at the end of XX/XX/XXXX after I received my statement.

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 2016-07-23 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a CITI Simplicity credit card with the intention of using the balance transfer offer. I submitted my application online. As I was waiting for my approval status, the website refreshed and provided me with an error message. I then called CITI credit card applications customer service to notify of the issue and to find out the result. I was notified that I was approved for a {$2000.00} credit limit. I notified the customer service representative that I would like to request that the limit be increased. I was told I needed to wait until the card arrived in the mail then to call back with the request. About one and half week later I received the card and placed a call to customer service like I was told. It took XXXX attempts for me to be able to speak to a service representative. The first XXXX attempts, I was on hold for 40 minutes and could not hold any longer. The XXXX attempt, my call was answered in 10 minutes. I then requested for my line to be increased to {$7000.00} because the reason for me in applying is to perform a balance transfer and {$2000.00} is not enough. After providing additional information, I was notified that I was not approved for the increase. I asked the representative about options on how I could withdraw my application and I was told that I needed to withdraw my application the day I submitted the application. She said that my account was already open and I can not withdraw my application. This is troubling because I was told I needed to wait for my card to arrive in order to negotiate the credit limit. However, I was never notified that there was no option to withdraw the credit application if I did not like the terms and conditions. Other banks always have provided the opportunity to withdraw a credit application, im not sure what makes CITI different.

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 2015-05-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened up a bestbuy credit card in 2011 an in doing so they said I signed up for a debit protection plan. When I signed up all they had me sign was a electronic pad that only had a signing box nothing telling you what you were sighing for so you were at the employees mercy to what you were sighing for and he told me it was just for the credit card and reward card. Nothing about a debit protection. My bad but when I got the bill I just payed it and did n't look at the statement. Then my wife seen it and seen that there was a XXXX $ fee it just said fee nothing about what it was for so I called and they said it was a debt protection plan. They took XXXX $ out for 4 years which means they scammed XXXX $ from us. They said I signed it and sent me a copy but once again I had only the employee to tell me what I was sighing for and I googled it and many others had the same issue and said that the employee would get a XXXX $ commission to sell this so they were not enclosing what you were sighing for. By the signature I sighed when they sent a copy to me it said debt protection but no amount for the fee to be charged and the people on line all were paying different amounts. What do they fraud you into sighing this and then get to pick a amount for the fee out of a hat. I have contacted them many times and still no answer to that question. They keep saying they will not refund our money. I feel this is fraud at its best which makes me mad because we have been a loyal customer for many years and we trusted them to look out for our best interest. Why would we sign up for a interest free card and sigh up for a debt protection fee of XXXX $ on a XXXX loan? Please help us this is a lot of money to my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This account is not mine and does not belong to me. I have contacted the creditor and I have contacted the credit bureaus. XXXX XXXX and XXXX are the only bureaus that have this account deleted.

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 2016-10-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Account Resolution Corporation
State: MO

Complaint narrative:
While reviewing my credit reports in XXXX, I discovered a collection account for Account Resolution Corporation on behalf of XXXX XXXX XXXX. I had never received a bill from either XXXX XXXX XXXX or Account Resolution Corp, so I contacted Account Resolution Corp via certified mail requesting validation of my obligation. Account Resolution not only failed to mark the item as disputed on all XXXX reports in the required 30 days, but also responded with copies of a bill with my name listing procedures and a form supposedly signed by me. The signed form gave permission to release records to XXXX entities only ( entities responsible for payment and government agencies for the purposes of determining eligibility for government benefits ), yet XXXX XXXX XXXX released records to Account Resolutions Corp who is neither financially responsible nor a government agency. This is a violation of my rights and permission was not given to provide personal information regarding my health to a collection agency. 

In summary, the original bill was never received from the original provider. A bill and/or right to dispute was never received from the collection agency, and to validate this debt, my personal information was given to a third party without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a Citigold checking account with Citi Bank using a promotional code for XXXX XXXX XXXX miles. I then opened the account and completed the requirements for the promotion. Citi confirmed multiple times in writing that I was eligible for the promotion, that I had met the requirements and would receive the XXXX miles by XXXX/XXXX/16. After not receiving the miles by the specified date I contacted Citi and was told that I fact was never eligible for the promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This is the XXXX time Citi Cards has closed accounts I 've had with them due to recent inquiries despite the fact that all of my accounts are in good standing and I 've had several of them for well over a XXXX now. I have found them very frustrating to work with trying to get my accounts with them reopened and I want a real solution to this matter or at least having Citi remove the XXXX XXXX, XXXX accounts removed from my credit reports. 

My very XXXX Citi card was a Citi Forward account opened XXXX 2013 and that was used to build my credit. It astounds me that none of that has been taken into consideration with regards to these account closures they 've done on me. I do n't like the deceptive bait and switch tactic of approving me for these accounts and then closing them like this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
In XXXX 2015, I was given a code for XXXX bonus american airlines miles if I open a new bank account with Citibank ( Citi Gold checking ). The code was accepted, I adhered to all of the requirements and in several secure messages, I was told that I had acheived the requirements and that the bonus takes time to process. Finally after 6 months, I was told that the offer was targeted and that my bonus wo n't be going through. I have spent a lot in fees based on this promotion. If I do n't get the bonus, I 'd like my fees back.

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 2016-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XXXX/XXXX/XXXX I submitted a request for mortgage assistance to CitiMortgage to short sale my home. I started to receive correspondence from CitiMortgage appraising me of the status of the request. Correspondence indicated I was going to received an answer by XXXX XXXX, XXXX. On XXXX XXXX, XXXX I called CitiMortgage to get an update on my request. The mortgage assistance specialist handling my request, XXXX XXXX, does not answer her phone and her voice mail is full and I can not leave a message. I chatted with CitiMortgage and did n't get anywhere. Every time I call customer service ( I tried XXXX different numbers ), my call is automatically transfer to XXXX XXXX, and of course, she does not answer and I can not leave a message. CitiMortgage is being threatening to foreclose my mortgage since XXXX, and this is the XXXX time I ' m attempting a short sale. I have multiple offers but can not proceed until CitiMortgage approves it. The first time they drug their feet and it seems they are doing the same this time around. In the meanwhile, fees upon fees keep accumulating on my mortgage.

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