vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I applied for a citibank checking account, under a promotion that would award me XXXX XXXX XXXX Advantage miles after completing a few requirements in a specific time frame. I met the requirements in the specified time frame, and wrote to ask Citi when I would receive my points. I received a secure message confirming I met the requirements and letting me know I should expect to receive my points no later than the XX/XX/XXXX statement. Today I wrote citi through their online chat and wanted to confirm when I would receive the points, and was told that I would not receive them as I was not targeted for this promotion. I let the online representative know that I was, and that I had an email from citi confirming I had met all the requirements and would receive the points. She said ( paraphrasing ) nope. She did submit a case to their verification department, but told me without me finding the original targeted correspondence from them from about XXXX months ago that I would not receive the points. Ugh. What a headache. I have both the personal and the business citi XXXX cards and use them every month, for international travel, airline expenses and day to day business charges. It is disheartening that they do not want to honor the promotion I thought I received for being a good 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 non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I am writing this complaint because of unfair business practices, concerning my Sears/Citibank Master Card, I have been paying my credit card faithfully every month without ever being late, I am paying more than the {$25.00} dollar amount due each month, sometimes I pay bi weekly because I am trying to pay off balance quickly, However ; I have been noticing each month the amount that I owe goes up each month and not down, I called a CSR on XX/XX/XXXX and was told, I stilled owed {$170.00} on a exercise bench that I purchase on XX/XX/XXXX. This is not true I have paid off this card twice and no one ever told me I owe any other balances and no one has ever sent me a another bill stating this. I have asked for proof that I owe this and they refused to send me a copy showing this balance unpaid. Since I make payments from {$50.00} to {$100.00} a month. I know for a fact I do n't owe this balances, I purchase this bench with my credit card and there should not be any other charges. Then a rep tells me I owe a promotional fee in which I never heard of, I feel as though someone in their company is trying to run a scam, will you please help me get to the bottom of this situation. I went on The Sears Website last night XX/XX/XXXX and did n't see where I owed anything else. Someone is putting additional charges on my card each month and I know this is unfair business practices and illegal.

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 2015-03-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
We have a CitiBank Home Depot credit card. While shopping at Home Depot in XXXX 2014, I did n't have any cash and even forgot my Home Depot Credit card with Citibank. They agreed to let me use it and they looked it up for me and charged the {$82.00} and I left. 
About 2 months later, we had a recording on our home phone answering machine, stating that our account was 60 days late. My wife called immediately and asked why we had n't received a statement, and they said they sent it electronically. My wife immediately made the payment and before she made the payment confirmed with the representative that our credit would n't be hurt. 
About a month ago, we are purchasing a XXXX home and had my credit pulled and come to find out that CitiBank/Home Depot had reported this {$82.00} 60 days late on my credit. We wrote a letter to Citibank and disputed it with the credit bureaus to come to find out that Citibank will not remove it. We never received the statement, either paper or electronically. They claimed they sent it out to an email and my wife and I NEVER received it. Citibank illegally reported to the credit bureaus that I was 60 days delinquent on my account for a {$82.00} charge. 
This has damaged my credit score and prevented me from obtaining a better interest rate due to CITIBANK/Home Depot lack of sending me a statement to inform me that I have a debt/payment due. 
I would be satisfied if CitiBank/Home Depot removed the 60 day late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I lost my job in XXXX XXXX. I have a Best Buy Credit card debt and I started falling behind my monthly payments from XXXX XXXX. I had debt protection plan subscribed on the same credit card since the time I got this call. I asked Best Buy Credit card to take care of my unemployment situation and wave off or adjust the payments. I had approx. {$800.00} balance payments. BBCS asked me to show them an unemployment befit registration with PA state and the receipt of unemployment payments from them. Since I am XXXX in this country hence I told them I am not eleigibel to get those benefit and even if I try and get it then it will affect my XXXX. They were adamant and next thing they did is cancelled my debt protection and kept sending me bills with hefty APR and late fees. They even stopped talking to me, disabled my access to the online account and when I dial their customer service number it gets disconnected. I am still going under hardship. I have my mortgage payments, child support payments and other credit card debts stacked up. I have a XXXX county court order allowing me my support payment modification due to my loss of employment. If court verified my unemployment status then why the credit card company is not able to validate it? I am not sure why Best Buy is harassing me and not offering me the debt protection coverage. The amount due they are showing now is {$1500.00} to pay by XXXX XXXX, XXXX. My account # is XXXX XXXX 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 explanation
Consumer complaint received 2016-05-25 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 signed up for a citigold account for a promotion that promised me with XXXX XXXX miles bonus after I meet certain requirements. I was told I met the requirements, but they never gave 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 2015-05-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have a personal loan with One Main financial for {$4500.00} and my payment is {$140.00} monthly or {$71.00} bimonthly. Since XXXX/XXXX/2015 I 've made XXXX payments {$71.00} and my balance is still {$4500.00}. This has happen in the past with my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XXXX, I opened a Citigold checking account with an offer stating I would receive XXXX XXXX miles after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX XXXX miles to be deposited into my account by the end of XXXX. During this time I was charged 3 monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the miles would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 6 months ago showing the offer. I do n't keep mail around for 6 months, and NOTHING was ever said over the past 6 months about needing to keep that post card. Now I have {$90.00} of fees and I will not be getting XXXX XXXX miles. I 'm not alone. XXXX of people are in the same situation as me. I 've done XXXX searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.

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 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FMS Inc.
State: ID

Complaint narrative:
FMS INC placed an account on my credit report that does not belong to me and is damaging my credit. I have attempted contacting FMS INC to provide proof that this account belongs to me or otherwise remove it and they have not responded to me or removed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
citi in their respone alleged there were XXXX citi accounts ... 

i did not have XXXX accountsplease provide any proof of fully executed contracts or agreements regarding your remarks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I am retired and wanted to start collecting my pension last year from CITI. Based on the information they provided, I selected a monthly payment of $ XXXX/month, which they started to pay. THEN, I received a letter dated XXXX/XXXX/2017 in which they stated they made a mistake and the monthly benefit would be only {$96.00}. I would NEVER have picked that option had they provided the correct information-I would have picked the lump sum option. 
At $ XXXX/month I am unlikely to live long enough to collect the money in that account. To me, this is a case of FRAUD-telling somebody one thing and then changing it a few months later. In addition, they said they will charge me INTEREST on the overpayment!! 
How can they charge me interest for THEIR mistake? 
I contacted their office yesterday at ( XXXX ) XXXX and explained my situation. Somebody was supposed to check into it and call back, but I never got a call back. At this point, I would like to receive the LUMP SUM option for the money remaining in the account and NOT be charged interest for their mistake. This is looking like FRAUD to me. 
Thank you very much for anything you can do to 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
Consumer complaint received 2015-05-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
A company called THD/CBNA is reporting a charged off account on my credit file. I have disputed this information ( specifically with XXXX ) and the company claims the information is accurate. I have never had an account with this company, If the company purchased this account from another lender, then the original delinquency is over XXXX years old and should be removed. The company has provided nothing in writing to show the details of this account. I have requested an account statement but have yet to receive anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
At the Macys store check out counter, I was asked if I had a Macys card. I said, " I think so, can you look it up with my phone number? '' This happens at many retailers and I give them my phone number. The clerk asked for my driver 's license and told me to follow prompts on the credit card scanner device, which included asking me for my social security number. In the end she said I do n't have an active account ... BUT THEY HAVE MY SOCIAL SECURITY NUMBER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
The Citi ( MasterCard ) Double Cash card offers a price rewind program, where your purchase price is tracked for 60 days, & if a lower price is found within that 60 days, they refund you the difference between what you paid & the lowest price that was found ( The program excludes taxes/fees from the total price calculation, & only covers the purchase price of the item itself ). 

On XXXX/XXXX/XXXX, I purchased a television from a local retailer at a purchase price of {$1100.00} ( excluding taxes/fees, see attachment ). A lower price of {$990.00} was found, and the search for a lower price ended on XXXX/XXXX/XXXX. I filed a claim for the refund of the difference ( {$180.00} ) on XXXX/XXXX/XXXX, to which my refund claim was denied later the same month. The denial reason was justified as " the item you purchased does not match the tracked item ''. 

The website does not specify that a specific model number is needed as part of the refund process, and the item I purchased matches the description of the covered item ( See Attachment ). As shown, the selected item is a " Samsung 55 '' Class Curved 4K Ultra HD LED Smart TV '', & the item that I purchased is a Samsung 55 '' Class Curved 4K Ultra HD LED Smart TV, with no specified model number or type.

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 2016-04-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FirstKey Holdings, LLC
State: CA

Complaint narrative:
Have a mortgage on XXXX property with FIrstKey. Requested payoff amount and received same. Sent in payoff amount of {$440.00} ( via certified funds ) on XXXX/XXXX/15 ; which was two weeks before deadline. Never received reconveyance. Have called FirstKey on multiple occasions and send them multiple emails. Took over 30 days for them to respond to my email. My phone calls go nowhere. They admit it was their mistake but they are not doing anything about it. Instead, they have sent me to collections and I fear my credit has been affected. My loan # is XXXX and i can forward to you all of my correspondence. thx

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-14 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been trying to close my deceased Father 's account with Citibank since XXXX, at which time I was wrongly advised Citibank was working on the matter. Three weeks after I had completed about a dozen pages worth of forms I received notice from Citibank that I was claiming the assets as my deceased Father 's " next of kin, '' despite the fact that I had submitted a XXXX page letter explain how my legal right to the money was due to a Trust agreement of which I had submitted appropriate pages to Citibank. From there Citibank made the assumption, also erroneous, that the total value of my deceased Father 's assets at the time of his death were less than {$150000.00} and required me to complete a form affirming such, or Citibank would wrongly maintain control of money which legal belongs to the beneficiary of my deceased Father 's Living Trust. 

Citibank has dragged their feet each step of the way, and has now proven themselves uncooperative. I would very much appreciate some help on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I feel that Citibank did not help me as a consumer. I did a purchase that i I never received but a contract andthey refuse to stand behind me. I read on one of my credit card disclosureif your not happy with a purchase you can return it. in so many words. 
I had purchase from XXXX and I feel I was scammed and Citibank didnot help me get my money back. I never used this program or itemthey sold me I had sent a letter to cancel within the 3 days but theysaid it was late regardless I tried to cancel over and over again. 
I will pay a small fee for canceling but I do n't feel they should keepmy XXXX dollars. I never used them and never will. while on theship other people that was in the presentation agree it was a rip offand me like a dummy was rushed thru it and fell for what the salesguys said instead of reading the whole contract because we weregetting on a cruise ship is how they sold XXXX so we did cancel itafter reading it but Citibank refuse XXXX allow us to cancel it or help uscancel they just believed this lieing company called XXXX travels checkthem out you will find a lot of people did they same the thing I did waspay it in full with my citicard and they are not no help so I refuse to payanymore for something I did not receive full service from XXXX I do n't havemoney to throw away. I tried to cancel a number of times with thecompany and Citibank and no one helps me as a consumer. 
it is fraud and a scam help me out please get this resolve. once we gotoff the ship we sent a cancellation letter.. we did all we could toresolve it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My XXXX year old mother passed away recently, after having had an at & t/universal/citi credit card since 1990. Concerned with eliminating any chance of fraud, I called the XXXX number and canceled the card. In the process of canceling the card, I noticed that there were XXXX available reward points on the card with a value of approximately {$250.00}, so I asked if I could collect them, if the card was canceled. The answer was yes, cancel the card, and log in to the website to redeem the points. However, once the card was canceled, I could no longer log in. So I called back, only to be disconnected twice, after explaining the problem, being asked if there was a will and being left on hold several minutes. The third time I called, I was told that when you die, you forfeit your points. This is not a significant amount of money to us, but I believe it is real money, used as an enticement to gain business, and should not default back to the bank. When this policy is amplified on a national basis, it becomes a very significant amount to the bank. 
In addition, in the initial call, I was told we would receive a final bill, which I indicated we would pay. The final bill never came. Instead, we receved a letter from a Delaware collection agency regarding my mother 's unpaid bill. This part is just bad policy on the part of the bank, but the required forfeiting of the rewards points I would consider to be outright fraud or theft, very similar to the charging of fees on gift cards until they devour themselves, which I believe has since been outlawed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My friend handed me XXXX checks that was owned by another friend of hers and told me to cash it from my bank. She drove me to the bank in a blue 4-door car, as she waited outside in the parking lot, I was cashing out the check inside. My friend and I had a verbal agreement that she will repay me. She explained that she needed my help and the money was going towards paying her bills. Since we 've been friends for XXXX years, I thought I was helping out a very close friend of mine. Instead, on XXXX/XXXX/16, my bank statement was as stated, '' RETURN ITEM CHARGEBACK. '' My daughter had to transfer money from her account into our joint account to not incur an overdraft or be in debt with the bank since, at that time, she was the main account holder. I attempted to call my friend multiple times that day, XXXX/XXXX/16 and XXXX/XXXX/16 - she did not answer any of my calls nor called me back, I left her a voicemail explaining that I will need that money to be repaid as soon as possible. Sunday, XXXX/XXXX/16, my son went to her house and spoke with her daughter and a friend. Their whole 30-minute conversation was voice-recorded through my son 's cell phone. They explained that the mother has been partnering with " XXXX '' who goes by different aliases and has been scamming friends and targeting older women for XXXX or even longer. They provided a picture of the check holder " XXXX XXXX XXXX '' and the other aliases that she goes by and her phone number. They also provided their own phone numbers, telling my son that they will be witnesses to the situation that occurred - they know the entire connection between my friend and " XXXX. '' They XXXX told my son to instruct me to no longer contact my friend, for she will plan to hide or even tell " XXXX '' and XXXX of them will avoid being caught from breaking the law. Unfortunately, my friend persuaded me into cashing out a second check from the same scam artist. On XXXX/XXXX/16, my bank statement was as stated, '' RETURN ITEM CHARGEBACK, '' again. I have all the evidence that need to be reviewed.

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