vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I received an offer from Citibank to open a checking account. This offer gave ThankYou XXXX points or XXXX miles based on meeting certain criteria. The criteria was that I open the checking account by XXXX/XXXX/2015, then within 60 days after account opening, I would have to make one bill payment each month for two consecutive calendar months. The account ( s ) must remain in Good standing. The points would be awarded within 90 days after completing those requirements. I have met all of the requirements. In addition, I have called Citi Customer Service seven times since making the requirement. I have spoken to three supervisors and one manager that returned my call. Each of the VERIFIED that I am eligible and I have met all requirements and that I would receive my XXXX points on XXXX XXXX, 2015. I called Citi on XXXX XXXX and was advised that I was not eligible for the points after meeting all requirements, seven phone calls, and $ 30 monthly fee 's ( {$90.00} total ). 
If at any time I was not eligible for this program, I should have been advised instead of the deceit and possible Fraud committed by Citi since they continued to bill {$30.00} in monthly fees.

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 2015-08-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XXXX XXXX my ex girlfriend sister XXXX XXXX took the authorized users credit card that was in my my wallet. She went and made a purchase at XXXX for {$1300.00} and then went to XXXX XXXX XXXX and made a purchase of {$250.00} dollars. I called Citi financial and they credited the chareges. On XXXX XXXX XXXX XXXX called Citi and said the charges are vaild. I dont know how she or even XXXX should have been able to access the account as neither had the new credit card number and I placed a new password on the account. I called Citi and explained the situation. The investigator said she would talk to her manager. She did call me back and left a message saying they were n't going to do anything, When I called back the reps I spoke to refused to transfer me to the investigation department. The reps also refused to tell me how someone could access my account without the password. When I added the password Citi assured me no one could access my account or make changes without that password. Citi refused to allow me to hear the calls of the XXXX or Sister saying these charges are valid I have an email from the authorized user telling me that she did not give permission to her sister to use the credit card. The email also states that she is sorry her sister did this. I also have text messages from the authorized user saying the same thing. I have also filed a police report. I gave Citi all of this info and they still refused to handle these charges that were unauthorized as fraud. Citi even told me they couldnt confirm who it was who called in and said those charges were valid. That is why I asked to hear the call and they have refused. Citi put these charges back on my account and has refused to investigate further. I now have {$1500.00} in charges placed back on my account that are fraud and unauthorized by me and the XXXX. Citi has failed to protect my account and follow the card agreement by releasing info to third party and making changes on my account by a third party. THey also violated the user agreement by not handling these XXXX charges totaling {$1500.00} as fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
After month 's of a barrage of marketing material for Citi Advantage ( XXXX ) XXXX Card to replace my XXXX XXXX card from a different bank, I accepted their offer for their card. As part of this deal they promised XXXX additional bonus points if I used the card within 3 months of opening it. In early XXXX XXXX XXXX ) I received a marketing piece in the mail from them that on the front page stated, 'Last Chance Earn XXXX Bonus Points. ' In early XXXX. I charged {$3600.00} on this card, which I paid off in XXXX ( XXXX ). 
I recently reviewed my account and did n't see the XXXX bonus points credited so I emailed them. I received a response that my offer had expired, so no points would be credited. They did not respond to my questions about their early XXXX marketing material and my 'Last Chance ' to earn these points. 
Honestly, I may be outside they claimed 90 days from when their card was issued, I ca n't imagine by too much as I did put this card away for my XXXX shopping. However I submit that their marketing material induced me to use their card, which clearly stated it was my 'Last Chance. ' I also think they know they are wrong and probably have thousands of other customers like me who now are just a little bit unhappy with their Citi XXXX XXXX XXXX card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi credit card named " My Best Buy ''. I have been a customer with a meticulous payment history for over 10 years contacted me to try to collect a payment they felt was past due. I provided the electronic payment information from my bank to them to prove they had been paid weeks ago. They refuse to acknowledge payment and have tacked on interest and late fees. I have made countless efforts to resolve and have asked for a Supervisor to call me, to no avail. I contacted my bank and they confirmed that Citi was indeed paid and have also sent proof to them. Still, they will not acknowledge it. I have spent several days and countless hours trying to get them to do the right thing and they refuse to fix the problem, or to allow me to speak with a Supervisor.

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 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I opened a Citigold bank account with Citibank XX/XX/XXXX with promo code XXXX, which promised XXXX XXXX XXXX miles after {$1000.00} in debit card purchases and 2 months of bill pay. I confirmed the promotion was attached to my account, and on XX/XX/XXXX received a letter from Citibank confirming that I have satisfied the requirements of the promotion. The letter stated that I should receive my miles by my XX/XX/XXXX statement cycle. I still have not received the miles 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 non-monetary relief
Consumer complaint received 2017-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citimortgage has consistently for more than 3 years lost documents, required innecessary documents ( birth certificates ), ran credit checks during modification processes. They have refused modification due to " irreconcilable differences '' and refused to give an exact reason for modification refusal. Did however state that it has nothing to do with my ability to pay my mortgage. In XX/XX/XXXX we were transferred over to XXXX different " mortgage specialists '', and in XX/XX/XXXX we were transferred over to XXXX different " mortgage specialists ''. Each time it was requested that we submit paperwork. I have submitted 5 years of tax returns, 4 years of income, birth certificates ( twice! ), bank statements, income verification forms, etc. I filed a complaint with the Consumer Financial Protection Bureau and Citimortgage replied on XX/XX/XXXX ( complaint # XXXX ) with only a partial answer. Final answer were suppose to be over to Consumer Financial Protection Bureau by XX/XX/XXXX but was never answered by Citimortgage. Now this complaint seems to be missing from the Consumer Financial Protection Bureau data base. My life has been on hold for over 3 years now while waiting for this modification to be completed. All along our income has fallen within the guidelines of this modification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, I am trying to get CitiMortgage to remove my property tax impounds. I believe law states if Loan To Value is less than 80 % it is not required. I chose to have impounds when I XXXX bought the home XXXX years ago. The value then and now ( even with California XXXX XXXX property tax assessor valuation ) is higher and at {$500000.00} +. My balance is {$370000.00} for an XXXX of approx. 75 %. They keep making up new rules each time I have called them. I 've tried about XXXX times in the last XXXX months and it 's always some different rule. Newest XXXX it is based on the value of the property or original loan balance XXXX {$390000.00}, I put 20 % down ) whichever is less, so it makes it 94 % ..??? I asked where was this disclosed on any of the documentation, she said it is not and an internal rule. I said I did n't agree to this and it was not informed nor in writing within any documentation of this loan. I feel they have taking advantage of consumers and they over estimated my impounds. It almost seems they want to keep this money for other illegal reasons, to keep their company liquid, because they are trying so hard with invalid reasons to keep this money. Based on California Impound information I read about as well as RESPA, I feel this is a possible class action lawsuit issue. Please advise. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I currently have an active Best Buy Credit Card and have recently been charged over {$700.00} of interest charges from a purchase from a promotional balance that was due by XXXX 2015. The issue thatI have is that each month I have been paying $ XXXX {$200.00} more than theminimum payment so that I would not have this issue. I recently called the credit card company and they said there was nothing they can do. I was specifically told that if I wanted to pay my promotioal balance I was to pay more than the minimum payment. I did thisand do not have an extra {$700.00} to just throw away. I would like best buy to credit me the difference in each payment I have made like they said would be done so that I do not need to pay anadditional interest fee of {$700.00} on top of my current balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Settled in full, company is reporting as open collection item

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 2015-07-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have XXXX citibank credit cards. My simplicity account payment due on XXXX/XXXX/2015 was not made. Citi collection has been calling me every single day from XXXX/XXXX/2015 including XXXX XXXX holiday. I asked the representative if they are allowed to call on holidays. He said yes, I informed him on XXXX separate occasions I requested no phones calls, that all communication was to be done via email or USPS for accuracy purposes and due to the fact I care for my XXXX year old Mother who is very fragile with XXXX, XXXX. However, Citi has refused to honor my request. Further, they have lied to me on every phone call about their right to call me and more disturbing in the abusive and argumentative conversation from a CitiBank Representative on the XXXX XXXX phone call which took place at XXXX. I STRONGLY SUGGEST SOMEONE get a copy of that recording. I do not need that type of argumentative conversation to take place in front of family members and my mother. The call was witnessed by at least XXXX people since I had it on " SPEAKER '' I asked each person to write down what they heard so I had some sort of documentation while information was fresh in their minds. I fully intend to file a lawsuit as I do have a law background. I would hope the CFPB follows up in some assertive way as I also run a Political website ( XXXX ) currently under re-construction so can can handle the heavier than expected traffic. However, from the feedback through XXXX I can tell you this is NOT an isolated issue and I can also inform the CFPB at this point most consumers feel the CFPB is more of a " PONY and HORSE '' show. I continue to be hope-full actual progress is made and the CFPB turns out to be what over XXXX XXXX American consumers hope it will. Update, Citi Bank called XXXX today ( Sunday XXXX ) and its not even noon yet ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21 00:00:00
Product: Other financial service — Foreign currency exchange
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I used a couple of times the world wallet services from Citibank but the last two times it has not being timely. Citibank claims that if you place the order before XXXX XXXX you get the foreign currency deliver the next day. Well, that is not true! I ordered some XXXX XXXX on Thursday XX/XX/XXXX and as of Monday XX/XX/XXXX at XXXX XXXX I have been able to obtain them. I went to the receiving branch in XXXX, XXXX on Friday XX/XX/XXXX around XXXX XXXX EST and the teller helping me, XXXX XXXX, mentioned that Corporate services told her that my name was too common and they had to do additional checks ( which I do not understand as I am a customer and they confirmed my identity through some questions ). She suggested to cancel the order and re-order so that I can changed the receiving branch as I was not going to be able to visit the XXXX branch the following week. So I did. She mentioned that even though the order was being placed after XXXX XX/XX/XXXX I was going to be able to receive my order on Monday XX/XX/XXXX after XXXX PM. Today I went to the new receiving branch at XXXX XXXX and they said that they had not received anything and that they will most probably receive it tomorrow as the order was placed on Friday after XXXX PM. At this point I am not quite sure if I will get the XXXX XXXX tomorrow and I will be traveling for business purposes on Wednesday. Last time I ordered I took Citibank two days to provide the currency. Their marketing does not seems to be real. I am very frustrated as I have been wasting time going to the branches and going through solutions that do not seem to work yet. They mentioned to call before going to the branch but in the XXXX branches I had to visit I called but they never answered. Citibank does not seem to care about customer service at least based on my experiences with this bank.

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 2015-06-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Please see the attached narrative complaint and exhibits. This complaint is about unearned fees, unearned interest, and credit reporting all after the consumer canceled the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
This is a continuation of case # XXXX where upon rectifying issues on prior complaint, I have now been charged additional fees. When Sears reallocated my XXXX payment to 1 ) pay in full the revolving debt of {$1500.00} and 2 ) apply the remaining payment toward the deferred billing of {$1100.00}, I was charged {$16.00} to do that. Sears treated my money as if I did a balance transfer toward paying the deferred bill. Sears took the {$16.00} out of my payment. I called Sears. Spoke with their dispute department and was told she could not do anything to help me with Balance Transfer Fees. I explained that this was how Sears handled my money to allocate in a fair-practice way. She reminded me again that when you do a balance transfer over the phone ( which I did n't do over the phone ; I used their convenience checks ) that the operator reads pages and pages of disclaimers. This is a nightmare that does not end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
We applied for a loss and mitigation to our bank, and it was pre-approved. After months of the arrangement they stopped the loss and mitigation, did not received our checks, and filed a demand on US Court. After two years in court the judge decided the case was dismissed with prejudice on our favor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
CitiBank ran a credit card promotion on XXXX XXXX XXXX, the promotion offered " XXXX ThankYou points after {$0.00} spent in 3 months '' when applying to their Citi ThankYou Preferred Credit Card. I applied to this card online and was approved. 
Upon receiving the card, I noticed the written promotion became " XXXX ThankYou points after {$1500.00} spent. '' I called CitiBank, and was told the original promotion was " their mistake, '' but they would honor it if I faxed in the screen shots showing the terms of original offer. Furthermore I was told if I spend {$1500.00} or more, I would be awarded XXXX points ( from the original offer ) and an additional XXXX ThankYou points ( from current offer for spending {$1500.00} ), essentially make the promotion to be XXXX ThankYou points rewarded after {$1500.00} spent. 
I faxed in the screen shots of the original offer in XXXX XXXX. And within 3 months, I spent the {$1500.00}. However after 3 months I noticed I was awarded XXXX points instead of XXXX. I called CitiBank, but was told that the additional XXXX points are being processed separately, and it will be deposited into my account likely within a month. So I waited another month, and when no points were deposited I called back again, and was reassured again that they are still taking corrective actions but needed another month. This continued every month for the next several months -- each time I called back they would assure me the same -- until XXXX XXXX. When I called in XXXX the representative on the line told me since they had already deposited XXXX points, they consider my case to be " corrected '' and no additional points will be awarded. When I mentioned that CitiBank has been promising XXXX points all along for the past 7 months, the representative refused to acknowledge and said she considers my case has been resolved. 
In summary, CitiBank first used false advertisement to get people to apply to their credit card. After the card mailed, they claimed the initial offer was " a mistake '' and promised a resolution to get people to spend money on the card. But after their customers meet the spending requirement, they refused to honor their promise.

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 2015-03-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
my credit card debt of {$830.00} was sent to XXXX XXXX XXXX. After constant harassment in the form of multiple phones calls at odd hours of the day, they offered me a settlement deal of {$410.00} and was told to secured the deal by giving them my bank account number so they can do a direct draft of $ XXXX monthly. I agreed to the settlement but rather opted to pay them with a cheque and also promised to pay the rest of the settlement as soon as my income tax refund is received. 
I made the first {$50.00} payment and immediately they received the cheque they turned around and told me the amount will go towards the balance of {$830.00} and then they can not offer me the settlement. I therefore feel that they have breeched the agreement they had with me and also taken my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Macy 's, now for a third time in as many years charged me a late fee of ( this time ) {$27.00}, plus an interest charge of {$5.00} on my most recent statement balance due of {$280.00}. I mailed the balance of {$280.00} last month ( from XXXX, XXXX to XXXX, XXXX ) on XX/XX/2016. The payment was due on XX/XX/2016. Macy 's posted the payment in their system on XX/XX/2016 ( one day late ... conveniently ) which resulted in them charging me the late fee and additional interest charges. As above, they have done this to me before, and when I call customer service, they are " happy to reverse the late fees and interest for a valuable long time customer. XXXX ( customer service rep # XXXX ) stated that " we always waive fees if our customer is upset ''. I confirmed with her that the call was being recorded. I have closed the account, but I 'd like this investigated. I believe they purposefully hold checks for posting until the account is late, for the purpose of adding late fees and interest. 

I typically have paid my balance in full with them as soon as the statement comes after I have used their card. Again, this is not the first time they have done this to me, and I see quite a few complaints about similar behavior with other consumers on the internet. 

I am happy to share statements or any additional details you may need to properly investigate this matter. 
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 non-monetary relief