vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
We paid our re-financed mortgage off almost a year ago, got a letter of pay off and was told we would get a lien release mailed. No lien release has happened. CitiMortgage tells us when we call, that the account has closed. We need our lien release!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hi, I applied for the Citi XXXX Honors Visa Signature Card on XXXX XXXX through a promotion I received via email to earn XXXX XXXX Honors points after spending {$2000.00} on the card. I had the card previously, but I have just gotten a new job where I will be traveling quite a bit and figured the XXXX card would be good to have once again. I read through the details of the bonus offer and realized it would still be possible for me to earn the bonus despite having had the card in the past. I applied, was accepted, and quickly met the bonus spending requirements on some gifts I needed to purchase. 

When I sent a secure message to confirm the bonus requirements and to confirm that the bonus was indeed tied to my account I was told I would not be receiving the bonus. I was confused because I had received an email for the offer and the offer page I applied through did not mention anything about not being able to receive the bonus if you had previously had the card. 

I would just like to try and get XXXX points that I applied for. I received a credit pull on my credit history to open this account and it would be a shame if I opened the card for an offer I thought I was eligible for but can not get through some error of Citi 's. 

I 've attached screen shots from my application process to confirm my information. Any help would be much appreciated. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I really need CITI to lower my interest rate for a short period of time. Because of lowering my original credit limits my credit score has dropped drastically. Therefore my ability to receive more work has been limited to the point where I need to make this request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XXXX/XXXX/2016 at XXXX MST, a credit of {$2400.00} was issued to me by XXXX, XXXX, AZ XXXX, Phone number XXXX ( XXXX Invoice and credit card receipt attached ). The refund credit was made to Citibank VISA Signature Credit Card XXXX. Citibank customer service, on several occasion since XXXX, has stated that this credit card account does not exist in spite of the fact that I have the credit card in my possession with my picture on it ( copy attached ) and an email from Citibank dated XXXX XXXX, 2016 at XXXX MDT that states the card is activated and ready to use effective XXXX XXXX, 2016 ( copy attached ). 

Citibank ( via their customer service number XXXX ), has stated that there is nothing Citibank can do about this issue because the credit card account stated above does not exist at Citibank. They have also stated that any refund transaction coming in from anywhere would be rejected immediately because the credit card account does not exist at Citibank. 

I have contacted the XXXX accounting department ( XXXX at XXXX ) and waited the requisite 72 hours for the transaction to be rejected by Citibank ( XXXX stated rules ). As of XXXX XXXX, 2016, XXXX states that the transaction did go through and was processed and so there is nothing XXXX can do about my refund credit in spite of the fact they now have the returned merchandise ( and other merchandise that I never received ) in their possession. XXXX has stated that the XXXX XXXX XXXX XXXX batch number containing the refund transition is XXXX and that the transaction reference number is XXXX. The batch and reference numbers were given to me verbally by XXXX, but repeated back to her to ensure that I recorded the numbers correctly. 

So the problem is this : I am now out {$2400.00} and neither ( 1 ) Citibank who states my account does not exist nor ( 2 ) XXXX XXXX XXXX XXXX who states the transaction, in fact, did go through to Citibank, will do anything about this issue. 

Can you please investigate and get either Citibank or XXXX XXXX XXXX XXXX to send me a valid refund check in the amount of {$2400.00}. 

I am trying CFPB before proceeding with other legal remedies available 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 explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I just RECIEVED a letter from my mortgage company " CitiMortgage " I RECIEVED the letter on the XXXX of XXXX that on the XXXX of XXXX our mortgage will be sold to XXXX Mortgage a division of XXXX Bank. The letter also states that " if they have n't RECIEVED evidence of current insurance they would be canceling ours effective transfer date '' my concern is XXXX fold. 

1. This type of notification did not provide us the " 15 working days " that is required by law in order for the account holder to sell the " account " 2. Upon receiving the letter it leaves us only 5 working days to contact them, ensure they have the insurance and also ensure that the proper notes are also carried over.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2016 I was notified by XXXX and my fico of a change on my XXXX credit report. I see that The home depot and a charge credit account in the amount of XXXX with a balance of XXXX. I called Home Depot to inform them that this account wasnt mines and to remove my name. I was told by their customer service rep name XXXX that Home Depot was not allow to remove me from this account ending in # XXXX. They also could tell me who use my information.

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 2016-02-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a Sears credit card for the purpose of purchasing a washer/dryer pair from Sears XXXX store in XXXX 2015. I was told as my sister is my witness that by opening credit card account to make purchase and buy the warranty that if I paid the purchase in full in 6 months that the warranty would be free. By XXXX I had paid {$1000.00} which was the purchase price believing that my account had been paid in full and that the warranty price would be adjusted since payment in full had been made well before the 6 months. By late XXXX I continued to receive bills from Sears regarding the remaining balance. Believing this to be a mistake, I contacted the credit department before the XXXX XXXX, payment was due. I explained the situation to XXXX who offered to extend the promo for another 6 months while this concern was being resolved. I had spoken with XXXX and XXXX in XXXX, XXXX in XXXX and XXXX and XXXX in XXXX. Supposedly this has gone to store manager XXXX XXXX, district manager XXXX XXXX and most recently to XXXX XXXX regional manager. No one has contacted me to resolve this issue. I was given a case number and every time I called I have to explain this situation to every representative thinking someone is going to help me. This has been the worse customer experience I have ever received. XXXX did make contact with store while I held for 20 minutes. An assistant manager XXXX came on the phone and said he had no way to contact district manager which I find hard to believe. It appears they do n't want to deal with this because what I told obviously was not true. I was misled into opening the account and now I am paying for something that should have been free. This is dishonest and wrong. You ca n't mislead consumers. They need to refund what I have already paid since XXXX and adjust the remaining balance. Rest assure, I will make no further purchases from Sears. I thought they were reputable and would take quick steps to resolve this. The corporate escalations well as the stores are playing games. But this is not funny nor is it right. I wonder if the CEO is aware of how they are running this company. I 'm sure social media would have a field day knowing Sears and Citibank are scamming customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25 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 signed up for a new checking account with Citibank while they were offering a {$400.00} bonus. I met all the requirements for the promotion and I was told it could take up to 90 days after I met the requirement to receive my bonus. It has been more than 90 days since I met the requirement and I have not received the bonus. Three phone calls and one email chat with Citibank and they tell me I have met the requirements and I should have received the bonus but I will need to wait until the back office is able to review the information.

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 2015-07-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My husband and his relatives ( people who use to live in my address ) received several calls from the following number : XXXX. A woman on the phone, did not identify herself said that police officers are on their way to my job to arrest me. She made several phone calls to my son, my husband 's children. She said the call is for Zales jewelers from account in 1997.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I applied for a Best Buy Credit Card ( XXXX ) a couple months ago and have gotten approved for it, after a while, I found out that it was closed. When I called they transferred me to the fraud security dept. They stated that they received information that this account was Identity theft, when I told them that I was not aware of this nor did I call about this, they further stated that they received the information from " XXXX '' via a dispute. I called XXXX and ask for an explanation and they stated they have no record of contacting CITI Best Buy Card regarding this. I then contacted back the CITI fraud dept. to let them know of XXXX 's Statement. They advised me that there is nothing they can do to reopen the account and that I need to apply for a new account if I want a Best Buy Card. 

I applied for Best Buy Card in the store and got approved for it ( XXXX ), when I got the card in the mail and tried to activate it, the call automaically connected to CITI Early Warning and they stated that the card is closed. 

This matter happened to me twice, there need to be accountability for this incident as no customer should go through this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX credit card. I use this card to buy a XXXX last XXXX XXXX $ in XXXX. When I pay it use this card, I choose 6 month no interest, buy I keep minimal payment each month. After 6 months I send a check XXXX $ pay out all expense, but it come out late fee on my statement every month, till XXXX $ last statement after wife write a check pay another XXXX {$.00} 50 {$.00} XXXX $ total more than XXXX {$.00} because she just following the statement wrote another check payout all balance. This month, the statement come to my hand, I found this mis-statement with another 187 {$.00} they still keep count late fee and interest on 0 spend and o balance. the XXXX $ was count from my XXXX purchase plus late fees and interest from every month that should not charge ( I did 6 month no interest with minimal payment plus payout check XXXX $ ), but they just simply ignore all payment even over paid. I just want them to pay me back and close my account, and ask you to do an investigation to shut down their business in case they continue to steal money from people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Today I applied for a Sears MasterCard and was given a number to call XXXX application number XXXX. So I called the number and spoke with a representative stating the reason I was denied was due to a recent Sears card. I inquired for the dates and numbers. I was then transfered to the recovery unit. I filed bankruptcy in 2010 and Sears was included in my bankruptcy. Except when I spoke with the recovery unit they explained to me that I had XXXX account with them and they were sold to an collection agency. He did not give the name of the agency just a contact number. The Sears accounts were included in my bankruptcy and Sears should not still have me in a recovery status. At the time of my application I should have been approved not denied due to a previous bankruptcy. I have been approved for other cards with this company and not denied. So the recovery unit needs to un-flag my name because it has been 7 years since my bankruptcy. The collection name at the time was XXXX XXXX XXXX and both accounts are in my bankruptcy. Why they were not notified I do not know.

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 2016-02-01 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I made purchases through XXXX promotions, XXXX eighteen-month financing and a twelve-month financing. My payments are timely, never late and always more than the minimum due. XXXX XXXX, XXXX I made an online payment of {$150.00}. I noticed my balance appeared {$800.00}. more than it should be. I then noticed I was charged {$790.00} in interest on the eighteen-month financing promo. I did n't realize the 18-mth promo ended and the deferred interest {$790.00} was applied. I immediately contacted Best Buy to resolve the matter without success. I was told the promo balance of {$650.00} needed to be paid to avoid the interest. I offered to pay an additional {$500.00}. immediately to waive the interest and was told an emphatic " no ''. I made several calls to Best Buy and got different answers but all said " no ''. I also called BBuy Dept. of Citibank and spoke to a woman who said I had 20 days to pay the promo balance which would have been XXXX XXXX, XXXX. A matter of 4 days cost me an additional {$790.00}. I also spoke to another BBuy rep and was told someone would call me back and no one did. As a matter of good faith, I paid an additional {$500.00}. on my account XXXX XXXX, XXXX. That would make a payment of {$650.00} to satisfy the {$650.00} promo balance. I also researched the Credit Card Act 2009 and TILA. Both state the disclosure of the time frame of the promotional period must be clear and conspicuous. Looking at my BBuy statement the things that stand out to me are the bold banners and large print. The disclosure re time frame is in the lower third of the statement in very small print. The time frame notice on the statement does not appear to meet the standard set by the Credit Card Act 2009 or the TILA, i.e. " readily noticeable to the consumer ''. Something as relevant as the disclosure should be prominently displayed with a reasonable font size. Apparently, this has happened to many consumers. I have read multiple posts where consumers have been the victim of this practice for even larger amounts of interest, all without success in having the interest removed. I would have at least expected a friendly compromise and/or some flexibility in the interest charged. It is not like I called months later and it is not like I did not offer to immediately satisfy the {$650.00} promo balance. What is certain is that Citibank Best Buy credit card practices are predatory and in direct violation of the Credit Card Act 2009 and the TILA, Truth In Lending Act. In light of that, I would like the deferred interested waived and removed from my account immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi has a robo caller that calls my home number XXXX times per day. Trying to collect from someone that has n't lived here in over 5 years. 
The robo caller has no option for me to inform them that they are calling the wrong number. 
This occured two months ago, and I contacted a manager at Citi customer service and informed them that the person they were looking for does not live here. The manager informed me that they would stop calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Started to dispute a charge on my with citi credit card. 
Received a follow up letter from Citi Credit Card, I answered by fax, email and mail to the 1st letter follow up along with all the required documentation to ..substantiate my dispute Dispute was declined, citi alleged that they did not receive a response to their request.

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 2015-07-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Sears Credit Department/Citi Bank adversely closed my credit card account while I 'm a victim of identity theft and then hung up in my face while I was trying to explain that the credit report that they have pulled may not be accurate. I contacted Sears Credit Dept and explained that I have had all my credit reports frozen because I 've been a victim of identity theft. That in the past I 've had trouble with the viewing of my credit report because it has been frozen by all the credit bureaus. I asked about the credit report pulled and I wanted to make sure that it was an updated report because not an old report because I had my reports frozen. I asked to speak with a supervisor because the credit analyst explained that there was nothing that I could do even though I was a victim of identity theft. I spoke with the the supervisor where the supervisor explained that they do n't pull my credit report but a summary or snapshot of my credit report through XXXX. I then explained that when you pull a credit report it explains that Ive been a victim identity theft instead of just a summary of my credit which may or may not be accurate. She said its great that you 've had your credit reports frozen but you need to take the derogatory comments on your credit report with XXXX. I explained that I had never paid Sears late in spite of identity theft. As I explained to the supervisor that my account should n't be closed when I 've had my credit report frozen as a victim of identity theft I was then hung up on by the supervisor. The supervisor and the credit analyst had my telephone number in the event that the call was disconnected and to call me back if the wait was too long. However neither attempted to call me back. Sears/ Citi Bank does not have procedures in place when their customers are victims of identity theft and that they make adverse decisions regardless of whether their summary snap shot review is accurate or not. Had they pulled my credit report they would 've been aware that I was a victim of identity theft. I would like my credit card account re-opened. I 'm a person and unforeseen things happened but I 've never paid Sears/ Citi Bank late. I 've got a great pay history and have worked hard to try and keep that but does not matter to Sears/Citi Bank. Closing my account continues to hurt my credit.

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: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a CitiGold checking account in XXXX 2015 in response to an offer code XXXX. The offer was for XXXX ThankYou points for Citigold checking after making 1 or more bill payments for two consecutive months within 60-days of account opening. I fulfilled those requirements promptly and called the Citibank multiple times to confirm that the offer has been applied to my checking account. They told me to wait 3 months for the XXXX bonus points to show up in my account. While waiting for these points I also transferred {$50000.00} to IRA to prevent Citibank from charging me a monthly {$30.00} maintenance fee along with a Citi Prestige credit card ( {$450.00} annual fee ) to use with the thank you points. 
After I have done all this expensive procedure, last week Citibank emailed me that I am no longer qualified to receive the XXXX thank you points because I was not targeted to receive such offer. 
I feel that Citibank is doing fraudulent business by offering attractive bonuses to open a checking account and charging all unnecessary fees to force customers to transfer their IRA funds to prevent those fees. I spoke to the reps every month for the last 6 months and they said the offer is linked to my account. 
I will be closing the Citi Gold account and transfer my IRA funds back to the retirement bank, but wanted to notify consumer finance about the details of my 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