vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I purchased from XXXX on XXXX/XXXX/16 XXXX camping cots from a company called XXXX. These cots sell for {$34.00} for XXXX and can be purchased in lots of XXXX for {$68.00}. I purchased XXXX lots of XXXX at {$68.00} for a total of XXXX cots at a cost of {$130.00}. Even though these cots were purchased in lots of XXXX they were shipped separately. There was XXXX shipping label per box with only XXXX cot in each box. I only received XXXX boxes with XXXX cot in each for a total of XXXX cots and XXXX cot came damaged. I put a dispute in with Citie. I explained thru photos I can prove that only XXXX cots were delivered. I asked if their was a chance Citi would settle without contacting me. I was assured that i would be contacted. Guess what? Citi settled with the merchant because they showed XXXX shipping labels. Its amazing that XXXX and Citi ca n't make this right. I ca n't even imagine why the merchant would n't know their cots were shipped separately unless this is diliberate fraud

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 2016-03-05 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Macy 's did not ever notify me that Citi Bank was taking over management of their credit card. Had I known Citi Bank was managing the card I would have stopped using it and made arrangements to close it.

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 2016-11-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am not getting dispute information from companies I have disputed against.

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 2016-10-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Regarding Citi XXXX credit card account. Citi XXXX card was cancelled by Citi on XX/XX/2016 citing concerns about payment. The letter did not explain the detail of concern leading to the cancellation. 

Prior to cancellation of the account spending requirement was met for XXXX status in XX/XX/2016. Prior to cancellation spending requirement to earn free weekend night in XX/XX/2016 was met. None of these benefits were delivered prior to the account closing. 

In addition cancellation has also negated any benefit provided under the annual fee. The legitimate use of citi 's credit services that qualified these rewards can be substantiated.

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 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
We ca n't get citi mortgage off of our credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I have a Citibank Credit card that offers a price rewind guarantee in which if you purchase a product with the credit card and register it on their website it will track the product to see if there is a lower price. A lower price was found on XXXX of my items and I received a notification email to click this link to request the refund, however when you click on the link there is nowhere to request the refund. I have called multiple times and both times the citibank call agent said they would email me the form to fill out to complete the request within XXXX hours and i still have not received the notification. 

There are XXXX items, XXXX is a TV I purchased and was notified of a {$150.00} refund available and next was a gaming console in which i was notified of a {$49.00} refund available. This price rewind service appears to be a fraud as there is no way to collect the stated refund on the purchase price.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: CITIBANK, N.A.

Complaint narrative:
Employee Name : XXXX XXXX Recipients : XXXX XXXX ( self ) Recipients Bank : XXXX XXXX XXXX XXXX Confirmation Code XXXX Date Deposited XXXX/XXXX/2016 The questions is there any mistake in my personal details as why this deposit has been refunded back to my XXXX by CITI Bank. 

The XXXX other transaction I made on the same day went through. as of this moment I have n't heard nor received any return from the XXXX transaction I made Which is the recipients XXXX XXXX ( XXXX ) and XXXX ( XXXX ) XXXX as well. 


Please kindly enlighten me of the real status of this transaction. 

Respectfully Your ' XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX/XXXX/15 we paid {$2700.00} thru the Citibank on-line customer service website for Citibank Master Card charges that were due. We were shown a balance of {$0.00}. 
Starting on XXXX/XXXX/15 thru XXXX/XXXX/15 we charged {$4900.00}. We had {$2100.00} in credits and payments, so our balance as of XXXX/XXXX/15 should be {$2800.00}. 
The Citibank on-line customer service website shows a balance that we owe {$3700.00}. 
When we called to inquire about the difference of {$960.00}, we were told by customer service and management that our payment on XXXX/XXXX/15 did not pay all our charges ( even though the balance showed as {$0.00} owed after the payment ) because the Citibank on-line customer service website is a different system than the statement system that Citibank uses to track your charges. 
We then asked why the Citibank on-line customer service website is available for our use as customers to see our charges and make payments if it is not accurately reflecting our Citibank MasterCard use. We were told by customer service and management that Citibank uses XXXX different systems. 
We have had this Citibank MasterCard for 11 years. We have been paying our balance in full thru the Citibank on-line customer service website for at least the last 8 years, and have never owed or paid any interest charges. 
We feel that Citibank has withheld posting some of our charges on the Citibank on-line customer service website so that we would not know the correct balance to pay ( or we would pay an inaccurate amount ) so then they could charge us interest on the unpaid balance the next month. The {$23.00} that we were charged for interest was minimal, but multiplied by XXXX of customers ( if Citibank is involved in fraud ) would profit Citibank XXXX of dollars. 
We would like an investigation. We do not believe that we owe the additional {$960.00} because the Citibank on-line customer service website showed a {$0.00} balance due after our payment of {$2700.00} on XXXX/XXXX/15. We used the Citibank on-line customer service website in good faith. If the Citibank online customer service website is not accurate and in sync with Citibank 's statement system, Citibank should not make it available for customers to use and trust.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I faxed the following to Sears : XXXX, California XXXX Mailing Address : Removed URGET FAX TRNSMITTAL, XXXX Monday, XX/XX/XXXX RE : Update Credit/Remove Late Payments To whom it may concern, On XX/XX/XXXX I learned of Sears/CBNA late payment data on my credit report for XX/XX/XXXX, specifically the months of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

Per phone conversation on XX/XX/XXXX with Sears/CBNA Supervisor XXXX Team # XXXX the " Clerk '' at the retail location entered the wrong mailing/billing address, therefore I never received a bill. Seems the amount was approximately {$30.00} and " written off '', per XXXX. 

The partial account information I have is partial-XXXX, ending in XXXX. 

Please immediately Update My Credit/Remove Late Payments. We are in the process of a obtaining a Mortgage and this false derogatory information is affecting all my credit scores. 

Please confirm receipt of this FAX and provide your evidence of correction to all XXXX credit bureaus to the above address. CALL MY CELL ( ABOVE ) WITH ANY QUESTIONS. 


Sincerely, XXXX 31 Year Sears Customer After Sears confirmed by phone on several occasions the derog info should not appear, a Sears letter dated XX/XX/XXXX states, " Our records indicate that the information appearing on your credit report is correct. '' CFPB, It is not correct. 
Sincerely 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 2016-12-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2016 I started my refi with Citi Mortgage. It was to close by XX/XX/<YYYY> I uploaded all of the required documents to the Citi website on XX/XX/<YYYY> The appraisal was completed on XX/XX/2016. I contacted the processor at Citi on XX/XX/2016 to get the status and was told XXXX additional items were needed. I submitted the XXXX items on the same day. On XX/XX/2016 the refi still was not closed so I talked with Manager XXXX XXXX. He said he understood my frustration and would have the underwriter review my documents. Today is XX/XX/2016 and my refi is still not closed even though I was told the underwriter was reviewing it on XX/XX/2016. I talked to Manager XXXX today, XX/XX/2019, and he said he communicated with the Underwriter Manager to expedite my closing.

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 2016-04-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
Noticed that I had been charged for years for a XXXX program, but I was unaware of it. Contacted Citibank, who transferred me to XXXX. XXXX stated that they would send me proof of enrollment in the mail within 7-10 days ( or in some reasonable amount of time ). This was XX/XX/2015, and I have still not received anything.

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 2016-07-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a victim of identity theft and have filed the necessary paperwork to dispute all accounts such as a police report. However I have been attempting to dispute an account with Macy 's for over 8months and have provided the necessary documents with no success. They stated that they received the documents but never initiated the dispute.

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 2016-06-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
CitiFinancial is the junior lien holder on my loan. I have a good offer for $ XXXX with the senior lien holder ( XXXX XXXX ) netting $ XXXX and they have offered the Junior Lien Holder {$6000.00}. The Junior Lien holder is being unreasonable and trying to push me into foreclosure by wanting $ XXXX. 
They told me that their appraisal came in at $ XXXX, and then I sent them a copy of the appraisal from the Senior lien holder which came in at $ XXXX. This lender has lied to me time and again, I am desperate to get this done and over with. My wife passed recently and I do not have the money to maintain the mortgage. Please assist me in anyway that you can.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Those number have been calling since XXXX 2015 7 days a week more than 25 calls a day including holiday when I pick up the calls no one says anything. I called back its macys/citibank. I have been calling, emailing macys personally since XXXX 2015 regarding charges on my account. They promesed they will fix it ; they never did. I paid them over the money that was owe on the account the account never fixed until XXXX. I spoke to several managers regarding the issue, my account has been compromised no one cares. I stop paying last 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 2016-09-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I finance a car with Kia Motor finance, sense XXXX until now. They been accusing me of non-payment. They been charging me late fee with three to five days late. They not suppose to been charging unless I 'm ten days late. It 's been going on for years they been robbing me out. Every single month of this year I 'll been paying them, and they claim I have n't. I even did a three-way call with my bank to them to proof payments was made. They constantly keep calling me sending threaten letter that they going to repossess my car if I do n't pay them but I did. They keep harassing me by phone everyday, I 'm becoming so stress of they lies. It 's been XXXX dealing with them, I need your help if possible. so they wo n't repossess my car from they wrong doing and dumb mistake. Honestly I believe do n't owe they no more money, after late charging that I had paid and it was n't 10 days late. XXXX month they claim I did n't pay them at all. But they forgot they had gave me a grace period and they using that against me. This after I loss my job in XXXX XXXX, but I still been paying some how some way its a shame making pay unnecessary late charges, they robbing me. So far I gave them {$15000.00} dollars, for the past five years, but they got me for only XXXX saying I owe them {$4000.00} dollars more and the loan will be paid up. My car was up for XXXX XX/XX/XXXX brand new when I brought and now I 'm paying for more then what it worth dealing these rotten people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is the letter I sent to Citibank describing the issue : It has come to my attention that CitiMortgage paid property taxes from our escrow account for a piece of property that we no longer own. ( Your company managed our escrow account and paid these taxes on our behalf. ) On XXXX XXXX, XXXX, we sold our parking spot ( under said mortgage ), to another unit owner ( XXXX XXXX XXXX ) in our condominium building. I have attached copies of the the transaction and the transfer of the deed. 

The City Of XXXX appears to have recorded this sale properly ( see attachments ). 

However, Citibank, in their never-ending corporate incompetence ( which I have experienced countless times with this mortgage ) continued to pay the property tax on this real estate even after THEY GAVE US PERMISSION TO SELL IT! 

We originally purchased our condominium and parking spot together at the same time, both independent real property entities under XXXX mortgage ( originally through your organization ). 

We applied for, and were granted, a partial release of mortgage from Citibank. We were given permission to sell the parking spot, which we did. 

Please update our mortgage documents to reflect that WE NO LONGER OWN THE PARKING SPOT under this mortgage. We have not held title to this property for almost two years. 

That means all the property taxes for the parking which you paid to the City of XXXX on our behalf AFTER we sold the parking spot, should be refunded to us. 

These would include all taxes paid for : XXXX XXXX quarter XXXX XXXX quarter XXXX XXXX quarter XXXX XXXX quarter After XXXX XXXX you unloaded the mortgage to XXXX ( then they kept paying the taxes, as well! ). 

DO NOT continue to pay property taxes on this sold property ( parking spot ) on our behalf. We no longer own it. 

If you have any questions, or need any additional documentation, please let me know. You can find all the documentation regarding this past transaction at the website for 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 monetary relief
Consumer complaint received 2016-08-14 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I am writing because my earlier report XXXX was answered by Sears Matercard account which is issued by Citibank , N.A . It was about lowering my credit limit and and PULLING MY CREDIT REPORT WITHOUT MY PERMISSION ; ONLY. The person responding to my complaint is XXXX XXXX, Executive Response Unit of Citibank, N.A.. ( XXXX ) Today, XXXX/XXXX/2016 and spoke to XXXX ( Employee number XXXX ) I asked XXXX XXXX put in my notes on my account " TO NOT MAIL ME OUT NO MORE CREDIT CARD ''. XXXX replied to me by said '' I CAN NOT do that because the system will mail out credit card anytime ; even for reasons if the Rewards system changes it will mail another credit card out ''. I insisted she makes sure I DO NOT get another credit card. XXXX keep repeating she CAN NOT do that. I feel Citibank , N.A . employees are doing FRAUD against my 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 explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an invoice from Macy 's American express for the amount of {$19.00}. I did not recognize the charge so, I contacted Macy 's & told the credit department of Macy 's that this amount is a fraud. I asked them to close the account ask for the credit the {$19.00} back to my account. They told me the fraud department will pursue the mater and once they finalized they would clear the mater. on XX/XX/XXXX I received another invoice showing not only the {$19.00} plus {$2.00} interest & {$37.00} late fee. I then called them again, this time they told my the fraud claim has to be in their from & in writing. about a week later they sent me a form which I immediately filled & sent to them for process. XX/XX/XXXX, I have received another invoice, this time {$19.00} plus a {$100.00} late fee & interest, a total of {$110.00}. again I called them & explained the whole story, this time they told me this mater is in process & would take about 30 days. I asked why while in process I 'm being charged with late payment & also told that this would effect my credit rating which up this date over XXXX score & spotless. They did not give me an adequate answer. well yesterday I had a phone call from a collection agency expecting a payment of {$150.00} as of now. I called them few minutes ago & told them that I 'm filing a report with your agency which was recommended by my banker whom advised me that my credit rating has dropped by almost XXXX point to XXXX +. 
I am very upset that Macy 's credit department could unjustly damage peoples credit without a solid evidence. At this time I 'm pleading with you to investigate my case and see that I have done nothing wrong & just believed in a principle. {$19.00} would not effect my life and {$150.00} would n't either. it is only admitting to wrong doing which I have not. Please let me know what can I do or how can you help me. 

Thanks

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 2016-05-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
My Macys account is due on the first of every month. Since I have had the card I have paid on the XXXX PRIOR to the due date. And have paid over the amount due. In XXXX my XXXX XXXX auto pay did not come out of my account and rather than calling me - on the XXXX of XXXX just 5 days late they cut my credit off and shut me out of my account so I can not even see my credit profile - I have made the payment and they still are locking me out - please look into this - you will see that is what happened and they are stating in a letter it is becasue my XXXX report shows a seriuos derogorty item which it does not and I have submitted a complaint with them as well. Macys has been the worst credit experience of my LIFE and I did read the reviews but thought it would be different for me I guess? 
thank you for your 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