vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-25 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I got my CITI XXXX XXXX XXXX in XXXX. Once I got the card, I set up my autopay immediately. 
However, on XX/XX/XXXX, I found I was charged for late payment and interest on XX/XX/XXXX. So I logged in my CITI account immediately and found the autopay had n't set up successfully. So I passed my first bill due, which was XX/XX/XXXX. 
But I think, in this case, CITI 's poor management played a very important role. So I am writing to request CITI to refund my interests and late payment fee, which in total was about {$90.00}. My reasons are as follows : 1. I tried to set up my autopay once I received my card, but for some unknown reasons, I did n't set up successfully. However, there was no notification from CITI informing me of my unsuccessful autopay setup. 
2. I did n't receive any notification from CITI warning me that the bill due was approaching or I did n't pay my bill. I think it is CITI 's responsibility to inform its customer of the payment status. But I checked my emails, my messages, and even my voicemails, there was no one was from CITI. If CITI had warned me, I would have paid my bill on time. I have an excellent credit score, I wo n't owe any money to the bank. 
Therefore, I believe in this case CITI failed to fulfil its obligation, resulting in letting me make a loss. So I am writing to file the complaint and I hope anyone from CITI would contact me in the future and give my money back. 
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 2015-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
CitiMortgage refuses to refinance and reduce rate

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A representative called me from XXXX XXXX stating that I owed a debt from Citi Bank and that they were going to sue me if I did not pay them {$16000.00}. I did not know about this debt, so the representative said he would transfer me to the fraud department. After sitting on hold for over 10 minutes, I call back the number that called me ( from the caller ID ), talk to the rep again and he then transferred me again. The man that answered said the debt was from 2005 ( over 10 years old ) and said " You must have been transferred here because you do not want to pay ''. I said if this debt is from 2005, it is over 10 years old and is a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ) so he can not report it, nor can he sue me for it. He said he was from a legal firm and would see me in court and hung up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had several checking/saving accounts with citibank, the fees for these accounts were waived since I also had a Citibank mortgage. Citibank changed this policy and started charging fees to my account. I received no notice of this change, there is no mention of this policy change on my recent statements or online in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Ordered XXXX for XXXX for my step son. On XX/XX/2016 it said it was Delivered and left at door. Package was not delivered .contacted Best Buy immediately and asked if they could ship to Best Buy in XXXX. Which they did but they messed up and put my name and required signature. Best byybtroed to deliver two times but could n't because it was my name but the store address. Product was then supposedly delivered XXXX XXXX in XXXX ny on XXXX for pick up. Went to pick up time which was no longer at XXXX and lost. XXXX had me have Best Buy call XXXX so I could receive repayment. I was online with bestbuy when they contacted XXXX I waS told i would receive refund. Called back few days later and they had no records of any of my calls and refused to repay me. I got so mad I cancelled my Best Buy card. I than tried To call again next day lady seemed nice and understood package was lost. Since I had closed my credit card I was told they were issuing me a check that day for my refund. Now over a week later I call today they have no records of any of my calls. 'refused to give me a refund, even asked them to then overnight ship me the product i originally ordered and was told they could n't do that as well because it is out of stock. So now I paid for item I never received and refuse to pay my bill if this is is how they are going to treat a customers who spends XXXX a month in the store and never been late on payment. I also contacted XXXX today nntneh have record no f Best Buy calllong them n them notifying them package was lost and I was due a refund. Inneed help. I work hard on my credit but this is it fair

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 2016-11-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called CiTi bank to cancel my account and they left me on hold for 40 minutes then they hung up on me. Really bad customer service. The worst I 've ever came across. Now they wo n't even answer my calls.

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

Complaint narrative:
I opened a Citigold checking account under the promotion XXXX which provides XXXX XXXX XXXX miles when completing requirements of an initial deposit and 2 consecutive months of using their bill pay system to pay a credit card. After 90 days from satisfying their requirements, which I fulfilled on XXXX/XXXX/16, the bonus will post. I have messages from Citi confirming my enrollment in the promotion as well as completing the requirements however now they are refusing to give me the miles.

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 2015-09-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
In 2009, I was informed by Citimortgage/Citibank via writing that they were foreclosing on my home. At the time I was several months behind, as the interest rate was 9.9 % as a result of ARM increase, and I could not make the huge payment. We tried to renegotiate and get back in good graces, but they would not budge from 9.9 %. We vacated the home, and they let the property sit for over 2 years, making us liable for taxes, maintenance, etc. and never followed through on the foreclosure with the Sheriff. The property was in limbo and I do n't think they even have paperwork as the loan was sold XXXX times in one year. They bore no responsibility financially for these expenses, forcing me into bankruptcy. I feel like they stole my home, my reputation ( resulting in job loss ), and my credit rating ... leaving me in shatters. There are still claims against us to this day ... and we can not seem to fight them off. Since then, I retrained my career, returned to employment, and we have rented a home closeby, and have been in good standing with the landlord for over 3 years. However, as I continue to reflect on what happened, I feel like laws were broken, and I was a victim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I believe that I was enrolled without consent or knowledge in Citi Identity Monitor. 

Customer Reference 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 2016-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX/XXXX/2016 I called Citi at XXXX and spoke to an agent at XXXX EDT who opened up a Citi Gold Checking account for me with the following promotion code : XXXX agent said long as I make {$1000.00} in debit purchases and two consecutive monthly bill pays I would receive XXXX XXXX miles accounts within 90 calendar days from the date when I completed the offer requirements. All the offer requirements were completed on XXXX/XXXX/2016, and 122 calendar days have passed but the XXXX miles have not been added to my Aadvantage 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 non-monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
citi bank did n't response to my argue sent on XXXX regarding to Case number : 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 2017-03-01 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened an account with Citibank promising a {$400.00} bonus for depositing {$15000.00} for one month. After {$15000.00} being in my account for three months, not only have I not received the bonus, but I have written five letters to Citibank without receiving the bonus. I also have not received a confirmation that I will receive the bonus. I need to use that {$15000.00} elsewhere. 
At this point, I believe i should receive three {$400.00} payments for the bank holding my {$15000.00} for three months and purposely delaying payment through stalling techniques. Please ask them to pay me now.

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 2016-04-29 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Sirs, according to your Consent order File no. XXXX XXXX Citibank NA has a consent order against them for several violations. I received a default judgement under these pretenses, on XXXX XXXX, XXXX, original start date XXXX. Citibank has never taken this judgement off the record as ordered by CFPB, nor have they wrote me on this subject. This should be a vacated judgement, as you have indicated the company to follow.

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 2016-06-03 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Home Depot sold me a credit card a couple of years ago by offering an immediate savings on something I bought. I agreed to take a small balance card and took good care of it until a few months ago. I had n't used the card for some time, but when I looked at the bill today, it had a balance of {$75.00}, with the only new charge being a {$37.00} fee. I did not expect to pay {$35.00} per month for a card I use very infrequently, and so I called the XXXX number for account inquiries. I asked how long they had been making these charges. Instead of answering, they made confusing assertions that maybe I had not paid the last {$18.00} on a bill at one point, though they admitted I had no prior problem with the account. So, they said, it was only " fair '' that they charge me {$35.00} per month thereafter. The " escalation desk '' admitted to making multiple charges, but would not admit to the total or adjust the balance except for the most recent charge. After I repeatedly asked, the individual finally admitted to working for CITIBANK. So I will return my card to the Home Depot branch that sold it to me and tell my story. 
This behavior is obscene, and I thought it had been dealt with in the context of recent financial reforms. If you do n't regulate this kind of gouging, what DO you regulate????

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 2016-06-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citigold checking account with promotional code XXXX XXXX. I confirmed with a Citigold rep before opening the account that I was eligible for this offer. Just after opening this account, I confirmed again, and the rep confirmed that I was still eligible for this offer. I was supposed to receive my points by end of XXXX. I opened an investigation with Citi via chat and they said they would launch an investigation into the matter and let me know by XXXX/XXXX/2016. After that when I keep contacting them, they claim that the investigation will take a few days longer. The account has a monthly fee of {$30.00} which I have already gotten charged for ( and will get charged for again ), so I preferably want the miles ASAP.

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 2016-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
It has been 5 years since my husband and I went through HAPR. We made all payments on time. I called last night b/c I knew there was supposed to be a reduction in principle after 5 years. I was told they sent me something XX/XX/XXXX and we did n't receive it. I do not recall every getting it. I asked them to resend and was told time is up and I ca n't take advantage of HAPR benefit. I did not receive the package and want the benefit we earned by making on time payments. I think this is not a good practice and way for CitMortgage to take advantage of people who they are supposed to be helping. Please look into this. All I want is the benefit earned and them to resend the papers so we can complete and return. We want the loan to be reduced as promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
About two years ago I applied for dept relief program with company named XXXX. They resolved most of my credit card accounts. Recently I found my self at dead end as I received multiple advertisement letters in my mail from different attorney offices offering me legal help and stating that I 'm being sued by Citi Bank. I contacted Citi Bank and they told me that Citi Bank does n't own this bank account anymore and I need to contact the attorney that is handling this account. I was given attorneys phone number. I contacted the attorney and they did n't give me any information. They said that Dept relief program is handling this case. I called XXXX then, and they said there is nothing they can do about it, they have not received any correspondence from the attorney. In order for XXXX to take any action, they need to hear from the attorney first. So here I am in a closed circle.Bank does n't give me any information, attorney does n't give any information and XXXX ca n't do anything about it. I do n't know who is saying the truth and how do I need to handle this. I did not receive one single letter from the bank offering any options of repayment and here I am being sued.

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 2016-05-18 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank responded to my compliant but has rejected their own solution to the problem. I believe they misrepresented the information and did not properly follow through with their recommendation or have incompetents responding to these complaints. I do n't understand their reasons, I contacted the bank multiple times and have talked with a variety of people. They do n't seem or attempt to understand the problem. This bank 's policies are hostile to the customer.

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 2016-09-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have concerns about Identity theft So I wish the credit card company to stop all charges on card and reissue a new card or close the account. I wrote them using address for remittance of bill. I get a call from a supposedly Citi rep ( id on a cell phone ) id XXXX requesting personal information. She noted I had to use a cellphone and call XXXX ( number on my bill ). I called that number.the rep ( ( XXXX ) stated I can only call from a cell phone and type in a my personal info ( ssn, address, etc ). I explained I live in an area that does not have cell phone. She noted there was nothing she could do and I requested to speak with a Citi rep she refused or to provide an alternative number to call. Thus, I have no way to close the account without a cell phone. The requirement of a cell phone should not be a condition of having a charge card unless they clearly publish it. The call was automatically transferred to a third party call center service. Customers should be able to access to employees of the credit card company should the third party be unable to resolve the problem.

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 2015-06-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I bought clothes with my sears card XXXX XXXX XXXX XXXX in the year XX/XX/XXXX and the account was paid off in XX/XX/XXXX. Now CitiBank sold the debt that I do not owe anymore to XXXXand they are charching me {$1500.00}. I receive a letter now that I contact you and Citi said that I do not owe nothing that the debt is for XX/XX/XXXX XXXX so I do not now wht to do and my credit report is geeting affected. Plese help me the case with you ( XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The XXXX XXXX XXXX has contacted me regarding a citibank credit card debt that I had to stop paying on in 2009. The 4 year statute of limitations in the state of California has passed and they can no longer sue me yet they continue to call, mail and harass me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A few months ago, I realized that Citibank had charged me XXXX of dollars each month for payment safeguard, a service I never signed up for, and that the CFPB has called an unfair and deceptive practice. I called and asked to quit the program and said I wanted a refund, and was given a fee adjustment of {$700.00}. Today I realized that even after that, I 've still been incurring monthly payment safeguard charges, and I called Citibank 's payment safeguard office again. ( I spoke to someone whose employee reference number is XXXX, if that 's relevant. ) She told me that the account showed that I had indeed cancelled the service, and she could n't explain why I was still being charged. She said she would put in a request for a refund but that it was n't up to her. This is XXXX of dollars a month. I do n't know what to do.

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 2016-09-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Good Morning, I filled a dispute on a XXXX transactions to XXXX on my Credit Card and they have choose to close the case saying its more then 6 months. The transaction happened on XXXX/XXXX/16 and was posted to my account on XXXX/XXXX/16. This is for Car Transmission that I got repaired from XXXX and got XXXX year Warranty or XXXX Miles which ever comes first. Its now 6 months and couple of days and only XXXX miles driven and My car transmission again went completely bad on XXXX/XXXX/16 and I made several calls and even visited the XXXX and found out they have closed the business and some other workshop has taken over. I have all proof of all receipts, calls made and photo of the new workshop that has taken over. it has cost me {$3200.00} and over this is truly fraud my car transmission was not made properly and valve body was not replaced with a new one. I have to pay again {$3200.00} to get it repaired. Please I need justice. 
Attached is the XXXX mail I send out to XXXX and they have chosen to close the case saying its more then 6 months. I have filled XXXX more disputes with credit cards that I have used to pay {$3200.00} to XXXX to cover the cost and they are investigating. one of the credit card company has already refunded my money. but XXXX is hard to work with.

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