vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Ever since XXXX XXXX has joined with the collection agency they have, I have mailed requests, at their instruction to have them stop calling me. I have clearly stated what my circumstances are, asked them for a payment change date and they call beginning at XXXX XXXX and continuing sometimes until almost XXXX, INCLUDING XXXX and XXXX, multiple times a day, sometimes as many as 5 times a day. They are relentless in calling, the representatives are rude and do not complete the tasks they say they will. I have never been treated so poorly in all of my years as a consumer. The online statement varies from what they ask for on the phone. I had the account set up to automatically deduct the minimum payment amount and it took nearly 3 times the amount causing overdraft fees of nearly {$200.00} fees. I have spent no less than 80 hours of my life trying to rectify this matter only to be further frustrated to this date.

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 2015-11-24 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I have been receiving constant calls from this company and have told the agency before that when I am available to take care of this matter, I will. They have called me several times while at work and I have advised them that I am currently at work and to please call back later. The lady on the phone XXXX ' was extremely rude to me. I told her I am currently at work to please call later and she responds " Yeah whatever, you always say that '' and hung up in my face. I then called Fidelity Creditors back and asked to speak to a manager who then also started to mock me because of my complaint about the previous agent who called and was rude. He was like " Oh what bothered you so much? The fact that she called at XXXX? '' when I clearly explained to him what bothered me. The practices of this company is completely unprofessional and should be addressed as using these kinds of tactics to collect a debt only makes people hate these collection agencies even more.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Radioshack/ CBNA is reporting a tradeline on my credit report that is not my account, has never been verified as my account and is now is older than 7 years old. Radioshack/CBNA has refused to remove this item and refuses in writing to verify due to my inquiry being " frivolous ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
The first statement I received from Home Depot covered a 16 day period commencing XXXX XXXX ( date opened and made first and only purchase ) and ending XXXX XXXX,2015 was received by me on about XXXX XXXX, 2015. Upon review of the terms, particularly the very high interest rate of 17..99 % I chose to immediately discontinue use of the credit card and notified Home Depot to close the account. So rather than paying the installment amount of {$25.00} I paid the full outstanding balance. This payment was received by Home Depot on XXXX XXXX,2015 representing payment in full. The following month I received a statement showing the payment in full and a late penalty charge of XXXX. 

I believe this charge is unfair and abusive. It appears to be justified by the fact that an installment payment {$25.00} was not paid by the due date of XXXX XXXX,2015, about 10 days after receipt of the first statement on the account. 

When I received my first statement I assumed, based on applicable regulations, I would have the normal XXXX weeks to make a payment before late charges could be assessed. And further since the statement revealed an excessively high interest rate I needed time to obtain funds to pay the account balance off immediately. Having made payment in full within 10 days of the receipt of the statement I believe the first late fee and interest charges are unfair and abusive, .and should be reversed. Multiple late fees charged as a result of unpaid first late fee charge are clearly unfair and should be reversed together with late delinquent interest charges

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was scammed on the internet by a skin care company, intending to order " free samples '' with a shipping fee. They sent XXXX products and charged my credit card nealy {$200.00}. When I realized that, I immediately returned the products unopened and unused with tracking numbers, etc as directed with all the appropriate numbers that the company required.. I disputed the charge with ATT Visa and they issued temporary credit to my account. Then they removed about half of the credit, believing the response from the disreputable company in spite of my furnishing them with documents proving that I had returned everything that I had received. I ended up paying ove {$100.00} for nothing due to the scamming by the disreputable beauty care company and ATT Visa 's poor handling of my dispute, I had been with ATT Visa for 23 years and had never filed any disputes. I have subsequently closed my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a " Costco Anywhere Visa Card by Citi ''. The card is advertised as being " cash back ''. However, the they do not provide " cash ''. Apparently they send a Costco voucher per their customer service department. I say apparently as they only send this voucher one time per year, in arrears, of course. This Costco voucher can only be redeemed at Costco while cash can obviously be used in many other ways.

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 2017-01-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Victim of identity theft, numerous accounts opened in my name. Please close account, do not send new cards, and remove account off of all XXXX credit agencies. 
Citibank was asked to close all accounts in XXXX XXXX, remove all e-mail communications, and continued to send numerous cards and account numbers. All accounts disputed. I opted out of arbitration with Citibank after receiving a letter from them stating it had to be done by XXXX/XXXX/XXXX. I sent an Opt Out of arbitration on all accounts on XXXX/XXXX/XXXX and received documentation from Citibank that out of XXXX accounts addressed out of XXXX that XXXX account did not meet the criteria for Opt Out because it was received after their deadline, when all were sent on the same day. I have sent FCRA documentation with identity theft report, police report, and documentation of identified Banks that had closed accounts. I received a Collection letter originating from a Citibank account ending in XXXX that was sent XXXX XXXX, XXXX from a XXXX XXXX XXXX. Then, I received a letter from Citibank that was sent regarding the same account that was sent XXXX XXXX, XXXX that stated that if I did not contact them by XXXX XXXX, XXXX the account would go into collection after I had already received a letter from the XXXX XXXX XXXX on the same account. I still get e-mails about accounts I have no idea what they are after requesting no e-mail communication by Citibank. Privacy settings were changed through Citibank when I never initiated anything online. Citibank continues harassment and intimidation.

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 2016-05-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Dear who may concern, I took a student loan from the city bank in XX/XX/XXXX/XX/XX/XXXX and paid the full amount to close the account in XX/XX/XXXX. However, the City Bank made a number or errors that prevented me from closing my account at that time. 

First, City Bank did n't provide important information to me. For instance, I submitted payment in XX/XX/XXXX to close the account. However, only in XXXX XXXX, Citi Bank contacted me and explained that this amount was not applied to the principal as instructed and to close the balance on XXXX loan, but applied by Citi Bank as a payment of future payment instead. In addition, I did not receive any emails/notification of my remaining balance form their company until XXXX XXXX. 

Second, I submitted payment of the remaining balance in XXXX XXXX to close the XXXX loan. Apparently, the payment did n't go through as anticipated, possible because XXXX Bank agent at the time mis-entered the account information. And there was no additional follow up from Citi Bank after this problem with the payment. 

In fact, when I found the payment was not deducted from my bank account balance, I called Citi Bank and asked for the reason. However, the agent could n't find my account information and asked me to send a fax so that they can search for my account. It is unclear why Citi Bank could not find my information : perhaps because Citi Bank agent assigned me a random number as my social security number. Regardless, after sending in that information, I received no additional response from City Bank. After numerous phone calls to Citi Bank in the past, I was left feeling very frustrated as no one was able to provide me with adequate resolution to my queries. 

Therefore, I requested the City Bank to re-appy/re-calculate my balance due with the attached letter that I sent to City Bank on XXXX XXXX, XXXX. If the payment had gone through in XXXX XXXX as I 'd sent it, I should have pay a total of {$5200.00}. Therefore, that 's the amount I asked them to re-adjust and my intention is to pay the full amount and close down the account. 

However, instead of resolving this issue, City Bank kept calling me to request for a payment of larger amount. Also, they disagree with re-calculating my balance, without providing understandable explanations. I tried to have a follow up phone conversations with City Bank on XXXX XXXX, XXXX, but the person who is in charge of was defensive, not properly communicating and intentionally disconnected the call.

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 2016-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/2015 I applied for a new Citibank checking account that had a promotion ( XXXX XXXX : XXXX ) to award me XXXX XXXX XXXX AAdvantage Miles after I completed certain requirements. After having opened the account I reached out to a Citibank Representative to confirm my account 's proper enrollment in the promotion and date by which I need to meet my requirements in order to receive the bonus XXXX miles. Attached is a copy of the terms and condition of the promotion that i received during the opening process of my application and also a copy of the confirmation of account being opened. Since then I have met all the requirements for the promotion and have also had repeated phone conversations with Citi Representatives that have confirmed my eligibility, and that i have had met all the requirements for the promotion. Yet after nearly 7 months i have not received my points. As a XXXX Year Old XXXX male I already feel being taken advantage of as a XXXX in many walks of life, now I have a reputable organization doing the same. How is it that I am required to hold my end of the bargain, but Citibank does not? After multiple conversations and confirmation from Citi Representatives now all of sudden Citi says I am not eligible? Citi is pulling a classic bait and switch on me and should not be able just walk away from promises made to customers for monetary benefits of their own. 
I am asking that Citi upholds its promise and award me the XXXX XXXX miles as deserved after having met all their terms and conditions.

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 2016-12-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was promised XXXX pts from Citibank for opening the HHonors credit card but I have n't received it yet

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 2016-06-18 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 the XX/XX/XXXX I applied for a CitiGold checking account with CitiBank. They were running a very attractive bonus offer : XXXX XXXX XXXX miles for opening an account and spending {$1000.00} on the corresponding debit card AND using their billpay option for XXXX months straight. They even allowed the initial deposit to come from a credit card. Over the course of the XXXX months after opening this checking account I met the terms of the offer AND used secure messaging and at least 1 phone call to their customer support to make sure I was qualified for this offer AND that I had met the requirements. I was assured in both cases that I had. 

The terms required " up to '' 90 days after the statement close on which requirements were met for the points to post. That was around XXXX/XXXX/XXXX for me. No points. In fact, NOW Citi 's customer service is opening " research cases '' that seem to be taking weeks to complete ... what research is needed is beyond me. I am currently on my second pass, the research case is now " escalated '' and I 've waited XXXX weeks with no word. In the meantime, Citi is happy to charge me {$30.00} a month in fees for this account. I 've paid XXXX fees so far and am working to NOT pay another fee on XXXX. 

To be fair, the fees were part of the agreement. However, so was the XXXX miles bonus which Citi is not rewarding. Even better is the length of time it is taking these " research cases '' to complete, all while Citi is charging {$30.00} a month. 

I am sorry I was lured into this offer and I will never trust a deal from Citi again. However, I am positive I am due the promised award of XXXX miles and this is the focus of my complaint. What kind of scam is this, particularly when the CSRs are telling you you are good to go ... until it 's time for them to ante up? 

I will close this account and several other accounts I have with Citi. After many years of doing business with them, I now can not trust them. But I still want the promised bonus particularly since I did all of the work to meet their published requirements with the CSRs coaching me along the way.

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 2016-05-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have had a Best Buy credit card since XXXX XXXX and have always had an excellent payment history. Over the years, I have spent XXXX dollars at Best Buy. 

In XXXX XXXX, I paid off my balance of {$10000.00}. In XXXX XXXX, XXXX XXXX renewed a protection plan for a computer we no longer have and that I was unaware was being charged. Since my Best Buy account was paid off, I had n't received a statement in months, and had in the meantime changed my email. So I was not receiving notices sent to the old email. We received automated calls from Citi, but as there was never a person on the line, we assumed they were another sales call. 

I did n't become aware of these charges until Apr XXXX when checking my credit report. By this time, with several months of late fees added, my balance was {$170.00}! I was sure that having been an excellent long-time customer of Best Buy, I would have no problem having these changes reversed once it was explained that I never received any of these statements. I was told by Citi to contact the XXXX to have their charge reversed, then they would review late charges. When I contacted the XXXX, the rep said she could n't reverse the charge, and she was extremely unhelpful. Despite repeated requests, she refused to let me speak to a manager or anyone else who might be able to authorize having these charges reversed. Even though I was upset with the way I had been treated, I decided to go ahead and pay the charges so as to keep my Best Buy account as well as to protect my credit rating. Within a day or so when I was able to go online to make a payment, I found that my account had been closed. I was never informed that this was happening. I have enclosed attachments showing the statements in regard to the above figures. 

I have been an excellent Best Buy customer for years and am very upset and shocked at the unfair treatment I received from Best Buy. It is unbelievable to me that they would be willing to lose such a good customer over {$32.00}! This has had a very negative impact on my credit rating. I am hoping that you will review the circumstances surrounding this incident as well as my previous record with Best Buy. I am hoping, at the very least, to have this record removed from my credit report. 

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
Consumer complaint received 2015-10-02 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 am a client of Citibank. I was notified that from XX/XX/XXXX on I would be charged a maintenance fee in my account ( " basic '' type of account ) if I did n't have a balance of {$1500.00} ( I was a student before and I did not have to pay fees ). My average balance since XX/XX/XXXX has been + {$10000.00} a month ( which corresponds to the minimum balance needed to waive fees from " premium '' accounts XXXX. 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was charged a {$25.00} fee for maintaining the account. 
I called Citibank today and they waived the charges as 1 ) I had enough balance to waive all my fees 2 ) I was not a " premium '' customer but " basic ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I signed up for a Citigold checking account with a promotion code for XXXX XXXX XXXX AAdvantage miles for signing up and completing some requirements. I received confirmations that my bonus would post by XXXX XXXX. Some time before XXXX XXXX, one of my friends had said he had some issues getting his bonus - Citi told him he was not eligible for the offer, even though Citi allowed him to sign up for the account and collected his monthly fees. So I reached out to Citi customer service to make sure I would not have similar issues - that I was indeed eligible for the bonus. I received written confirmation ( attached ) that I was eligible for the bonus and completed the requirements, and the miles would post after the XXXX statement. Now, the miles have not posted and Citi has promised an investigation taking 24-48 hours. It has been six days and so I am filing a complaint. I am not happy with the service and the account, and the longer they take to respond, the more monthly fees they will collect. This seems like a bait-and-switch from Citi.

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