vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Citibank had a promotion offer for getting XXXX dollars after opening the checking account, deposit XXXX dollars within the first month and keep the account for another 2 months. I opened the account on XXXX XXXX through the phone, I gave them the bank information that I want to transfer the money out and they sent me some documents to sign for opening the account which also included the bank information for transferring money from my other bank to citibank. I signed all the documents and sent them back to citi immediately, but they never processed my documents and they never initiated my deposit into citibank. It was XXXX XXXX that I realized I never received my debit card, which is a proof that they never processed my documents. I called citi again and asked why they never sent me the debit card and initiated the deposit, and the representative told me it was their mistakes. I asked her if I was still qualified for the XXXX dollars promotion and she said I did because it was their mistake, she also promised me that she will put a note under my account saying that it was their mistake that made me miss the XXXX month deadline and I was still qualified for the promotion. So I asked her if she needed the bank information to transfer the money out into Citi and she said she had all the information she needed and there is no need for me to provide anything else. So I asked her to initiate the deposit into citibank and sent me the debit card. She did it immediately and the money was transferred to Citi the next day. She also sent my debit card by overnight shipping that I was able to get my debit card the next day as well. After three months, I did n't receive my bonus. I called citibank several times explaining my situation to several different representatives, they were able to pull out my files and saw that everything I talekd to them was correct My debit card was never sent to me, my deposit was never initiated because of their mistakes, so they created XXXX consecutive investigations for me. But everytime I got the result back, it was the same reason, I did n't deposit within the first month of the account opening. Since I gave citi all the bank information that they needed to get the money from another bank when I opened the account through the phone, and I also sent back those documents through the mail, it was citi 's mistake that they never processed my deposit request and the representative I talked to on XXXX XXXX also promised me that I will get the promotion, otherwise, I would n't continue deposit the money and put it in there for more than three months.

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 2016-09-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
When Citibank took over the credit card business of XXXX from XXXX XXXX, they sent me a bill for {$380.00} I have always paid my bills on time, and I had just paid in full my Citi XXXX XXXX bill. The bill arrived with interest charges for late payment. I immediately called XXXX. This was clearly not accurate. I worry that people without my wherewithal would not be able to pick up the phone and force Citibank to return their unfairly charged interest or late fees. My balance was {$280.00}. But when I closed my account Citibank charged me {$380.00}. Citi charged me for a new membership at just the time when I was canceling the card, which they informed me automatically cancels the membership. They charged {$110.00} for a XXXX membership with Citibank. Citibank has had my {$110.00} now for over a month. They are unethically and deceptively benefiting from false charges like these because they charged me a membership fee for a membership that I could never use if I canceled the card. I am sure I am not alone in this situation.

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 2016-05-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, 2016, I submitted a complaint # XXXX to the CFPB regarding excessive charges by Citibank. Subsequent to my complaint, Citibank has retaliated by cutting off access to my checking account. When I log in online I ca n't see any details of my account. I ca n't access my balance, transfer funds, or even see which bills I have or have not paid. I need full, unrestricted access to my checking account, and Citibank needs to refund any fees that may result from restricting my access to my money.

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 2016-01-28 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Random " Payment Safeguard '' fee applied to my credit card each month without my knowledge nor enrollment. Have been charged for the past year, during which time I was not receiving paper statements and had set up automatic payments, and was no using my credit card in any other way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Resolution Corporation
State: MO

Complaint narrative:
This company Account Reoslution Corp in XX/XX/XXXX concluded via a dispute directly through XXXX and XXXX that this debt was invalid and removed it from both reports as of XX/XX/XXXX. On XX/XX/XXXX this account was reinserted to my XXXX report, reporting a balance of {$260.00} which is not my debt. I also was not notified of this debt before it was reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
my husband had a XXXX XXXX XXXX and I needed to remodify my loan my husband who was the bread winner of the family would n't be able to work any more and we were living on my XXXX/ of XXXX a month we went from XXXX to mine over night. I filed they said to skip three months I was learly but I followed the instructions to the letter and they put our home in foreclosure and we almost lost it I called and wrote senators and govenors and even the president they a even tacked about XXXX to my loan after about three months of doing this,, this was wrong and needless and needs to stop, it was citi mortage account XXXX why is this happening to people? and can we get the money they conviently took from us my husband died XXXX XXXX and the stress of this did n't help I sold my home and moved to XXXX where I have just file a complaint with XXXX,,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ZENCO COLLECTION, LLC
State: GA

Complaint narrative:
Received a call today from a XXXX XXXX ( and one of her associates ) from phone number XXXX regarding my deceased husbands account. They would not tell me what account but that it was from XXXX ( my husband died in XXXX ). They said a payment was made in XXXX ( which I made have made but since they would give me no additional information I could not verify. When I tried to explain this the associated threatened me, yelling I used the card therefore I committed fraud and I would be sued and was hung up on. I tried to call back and was yelled at again being told ... you are a fraud and you have legal action against you do not call us 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 explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
The borrower, XXXX XXXX has been requesting a payoff or lien release from the attorney, XXXX XXXX and XXXX and Citi Bank since early XXXX. Citi ( Sears ) recealled the debt so XXXX has no authority and Citi ( Sears ) refuses to issue a payoff or lien release.

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 2015-09-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was offered a pre-qualified " Business Line of Credit '' from Wells Fargo on XXXX XXXX, 2015. I denied credit based on financial information from what I was told by a Representative of Wells Fargo, from " old financial archives '' from XXXX of a " charge-off '' of a credit card from Wells Fargo which is no longer on my Credit Bureau Agency or other reporting financial agencies. I was then told that " once you write off bad debt or charge offs, Wells Fargo never approves application for lines of credit or loans ... '' I have a high credit rating of XXXX - XXXX which is cited in their denial letter. Even though they stated in the letter that negative information on my Credit Bureaus was used to determine my application result. But yet, on the phone with a manager, I was told that " old financial archives from Wells Fargo was used. I asked them were they using my race and location of my business as factor for denying me a " business line of credit ''? Of course, they responded that " this was not the case '' but no good explaination was given for my denial of a business credit line other then a " consumer credit card charge off from XXXX ''. I believe Wells Fargo is using unfair business practices and discriminated towards my application based on my XXXX location.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
There is a home in XXXX. that we have not been unable to sell. For the last nine months I have attempt to negotiate with CitiMortgage to close the account on this home by deed-n-lieu. We now live in XXXX. Every 90 days I have had to submit a packet of documents to keep the request current. I have made sure the monthly payments are made each month and on time. This month note to be paid is {$1.00}, XXXX for XXXX. The original amount of the note was $ XXXX/monthly. The additonal charges are so great that the principal amount has not decreased. In fact the XXXX payment only apply {$200.00} to the principal balance. XXXX note included a charge of an additional {$2000.00} dollars. The monthly note totaled {$3500.00}. I made a payment of {$2000.00} dollars on XXXX/XXXX/2015, then the additional payment ( XXXX ) {$1500.00}. There is no reference to the payment of {$2000.00}. On numerous occasions I have written for a review of the account to specifiy where the {$2000.00} was applied. Instead I have been told there is an overdue amount of {$360.00}. A history of payment application was sent after several request, It does not refer to the {$2000.00} dollars. Since the Deed-N-Lieu request there are other charges that eats up the payment i.e. : reinstmnt expence, property preservation, foreclosure costs ( {$920.00} ), appraisal/XXXX ( XXXX ), forclsr Atty fee ( {$270.00} ). Theses charges are listed every month. I have not missed a payment so why are we being charged foreclosure fees? How many time do the property have to be appraised? There should be only one Attorney assigned to this account, how many times must the attorney be paid? 
I ask for deed-n-lieu because of the hardship that I am in. My husband a XXXX Veteran is XXXX. If he dies then a lost of his income would be detrimental to me and the XXXX children XXXX. This has been stated in a letter of hardship to CitiMortgage. A contract was sent to us from CitiMortgage in XXXX to finalized the deed-N-lieu request. It is now almost the end of XXXX and the contract has not been processed. If the process takes more than 90 days then I must submit additional documentation that our income and status has not change. Our income will not change unless my husband expires. 
CitiMortgage been going in a vicious circle and failed to finalize the process in a timely manner.

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 2015-06-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We are hoping that you can help us. If not, perhaps you can direct us to the appropriate person ( s ) or authorities to contact. 

As described in greater detail in the attached correspondence ( representing a portion of the entire correspondence ), on XX/XX/XXXX, we purchased a large-screen TV and related items for more than {$3000.00} pursuant to Best Buy 's interest free offer. We made all required minimum payments on a timely basis, but XXXX, the bank initially administering the credit card, incorrectly applied our payments and charged a ridiculous ( in excess of {$1000.00} ) finance charge. They ultimately admitted their mistake, but improperly corrected it, leaving a finance charge balance of approximately {$70.00}. 

After months of additional correspondence, they agreed to properly correct and eliminate all finance charges. Unfortunately, they never made the correction and the credit card administration was subsequently transferred to Citibank. We spoke with Citibank ( numerous times ) and shortly before the conclusion of the 3-year interest free period, on XX/XX/XXXX, we paid the entire correct remaining balance due to Best Buy. We also sent to Citibank, on many occasions, a schedule of all our timely payments, evidencing our payment in full of this account. 

Citibank chose to ignore our correspondence and evidence of timely payments and imposed a finance charge of {$2400.00} on the, according to their records, {$70.00} balance. We again called and wrote to no avail. Ultimately we spoke with Citibank officials who made various excuses ranging from needing cancelled checks - we made all payments via electronic transfer from Citibank to Citibank - to having no obligation to analyze any information from before Citibank began administering the account. 

I finally requested that they just sue us so that we could have our day in court and prove our payment in full. The unbelievable response was " that is not how Citibank operates. '' Instead, Citi will harass us and ruin our credit rating, regardless of whether we owe any amount. They are excellent at harassment. A computer calls our home phone many ( XXXX or more ) times every day, from before XXXX XXXX until after XXXX XXXX, weekday, weekend and holidays. They refuse to stop harassing, refuse to review the account and related correspondence and insist this is how they operate until they are paid what they erroneously think we owe them in full. 

As indicated up front, please help and/or direct us to the proper authorities. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK CAPITAL FUNDING CORP
State: AZ

Complaint narrative:
Some weeks ago, I contacted NetworkCapital about a refi. About a week later, I had second thoughts and informed their representative, both verbally and via e-mail, that I no longer wished to pursue the refi with them. 
Since informing the company, via it 's representatives, of my change in plans, representatives of the company have continued to call me at least weekly ( sometimes more frequently ), even though I told each representative I was no longer interested in pursuing a refi with them. 
This morning, I received another call from a NetworkCapital representative ; I hung up on the caller. 
I wish all calls to me from NetworkCapital cease, immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XXXX 2016, I signed up for a Citibank Citigold checking account using promotional code XXXX for XXXX Citi Thank You points upon completion of several qualifying transactions. The day after signing up for the account, I confirmed via Citi 's online customer service chat that I was eligible for the promotion and that the promotion was attached to the account. Citi confirmed eligibility and I proceeded with the required transactions. Upon completing the qualifying transactions, I confirmed with Citi via secure message that I had successfully completed all required transactions for the promotion. I was told that I did indeed complete all the required transactions and that XXXX Thank You points would be deposited into my account by XXXX/XXXX/2016. No points were deposited, so I asked Citi if there was an issue and Citi then said that I was never eligible for the promotion even after I had confirmed twice that I was eligible and completed the requirements of 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 2017-02-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi Bank claims I have debt to pay and refuses to accept my claim on fraud on the account. I had a XXXX dollar credit limt and I some how owe XXXX dollars.

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 2015-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
We were charged for a XXXX subordination fee for a home refinance that did not happen. we were not told of the fee we could not refinance because of citimorgages subordination denial, they refuse to refund or credit back the fee. XXXX XXXX XXXX also charges us a fee but it was only XXXX and not XXXX and XXXX XXXX XXXX refunded the fee because the loan was not refinanced. we paid over XXXX dollars towns the refinance on top of their fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Yes, I was divorced about 10 years ago and was forced to file bankruptcy. So due to this my citimortgage makes it incredibly difficult for me to make a payment. So while I want to stay in the house they refuse to autopay from my bank account. I call and they XXXX up take it from my savings which I am not sure how they even got that number, and then they proceed to use my mortgage payment and charge me extremely high flood insurance with no notice or bill. This then puts me behind in my payment. So I call try to pay them and they do not take my money. They now want foreclosure so I went to business lawyer trying to make payment and they refuse to take my money. They now want to charge me court fees. To me if you want your money why not take it out as auto payment. It seems all backwards. Then mis- information is given over the phone. I always pay monthly and then principal. So XXXX person told me unnecessary. It is all so unfortunate. Also, no notice that this was happening. They sent a letter dated on XXXX XXXX and I received on XXXX XXXX how does that happen?? Help me pay please. Also I was told my payment not due until the XXXX? So I am not sure if anyone really knows the due date. Also they told me to change the due date I would need to refinance. It seems it should not be to hard to make the payment date on the XXXX of every month if that is when you get paid.

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 2015-09-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX has a lawsuit against me and is suing me for a delinquent credit card debt that I did not sign for. They have also been threatening me with harassing phone calls stating I 'm going to jail and have a felony, TOOK about 25 % of my wages ( XXXX out of {$1200.00} ) leaving me not enough money to pay my everyday living expenses which could cause me to lose my job. I just recently received the judgement from my job and the paperwork was sent to an invalid address where I no longer reside, so I did n't receive it or have any knowledge of it. I suffer from a XXXX and am presently undergoing treatment due to being a college graduate and unemployed and basically homeless for years. I have just been employed about a year and trying to get my life back paying student loans etc. This has severely affected my health condition and is threatening to my job and my life. I have nothing and own nothing. I do n't have the money to seek legal help. PLEASE HELP! They are known for practicing illegal debt collection tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 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 created a Citigold checking account using a promotional bonus code for XXXX XXXX XXXX miles that were to be awarded upon completion of set criteria. I met all requirements necessary to receive the bonus and positively confirmed having met all requirements with several citi agents via live chat on numerous occasions throughout the promotional period. After waiting more than 90 days after completing all requirements, I contacted citi to inquire about the delayed appearance of the bonus points. After several communications I finaly received an email stating that I would not be receiving the bonus points. I have since spoken to several agents and have not been offered any type of resolution.

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