vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-06 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/XXXX when shopping at Macy 's my purchase was charged to the account number XXXX. I have never received a card with this account number, this is not my account. My Macy 's credit account is XXXX, which I pay online, promptly, always. 
On XX/XX/XXXX I began receiving Macy 's Account Statements and phone calls regarding Act # XXXX being past due. I responded by calling the customer service # XXXX to get my original charge applied to my Act # XXXX, have the past due charge removed, and have my name removed from this Act # XXXX that is not mine. I refused to make a phone payment as when I had done so in the past the phone payment was not applied to my Act # XXXX. 
On XXXX, XXXX I received a letter from the Citi Card, for Department Store Nat'l Bank collections recovery. I called and submitted a written explanation of the circumstances regarding Act # XXXX, only to receive another letter from the Citi Card, for Department Store Nat'l Bank collections recovery XX/XX/XXXX and again XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from XXXX regarding Act # XXXX and began a series of call and correspondence with them. On XXXX/XXXX/XXXX I paid the undisputed amount of {$410.00} through XXXX. On XXXX/XXXX/XXXX Macy 's recalled the dispute and I have continue phone and correspondance every 2 - 4 weeks with the response from them always being it will take 15 days, 30 days, or 60 days for them to review the dispute.

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 2016-02-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank sold debt to a series of debt collectors. The debt amounted to {$11000.00} I believe that this debt amount was a material misrepresentation. The debt collector might have used an inaccurate 29 % APR to falsely increase the total therefore increasing their potential share of the written off debt. 

Please confirm if my debt was part of the recent class action lawsuit. 
http : XXXX 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 explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On Thursday XXXX XXXX, 2016 XXXX, I went to Citibank located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX to deposit {$100.00} for my brother-in-law into his checking account. I was told that in order to deposit the money, I would have to show teller my ID. I gave the teller my driver 's license ID as requested. 

After further discussion, her supervisor/bank manager ( XXXX woman whom I did n't get her name ), came over and joined the discussion. I was then asked by the supervisor where I worked before I retired. I asked, " Why do you want to know where I worked before I retired? '' She said this was Citibank policy. 

I responded that you have my driver 's license with my photo on it and that should be adequate. I gave her my former employment information requested. 
Then I was asked by the bank manager, " What did you do at the job before you retired? '' At this point in the conversation, I was livid. I felt that this was an invasion of my privacy. I have concerns about ID theft. They wrote the information down I gave them before I could deposit the money. 

I have never been asked to give personal information about my work status and the job I performed by any bank where I deposited money for a person in my XXXX years on earth. I want you to investigate this bank policy to see if it is applied to all who do n't have accounts at this bank. There was no visible sign in this bank about this policy. 

On the back of the deposit slip, I received states, " Deposit may not be available for immediate withdrawal. Contents and totals of any deposits listed on the reverse side are accepted by Citibank subject to verification and will be credited in the amount verified. '' There was no information about bank policy regarding a {$100.00} cash deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
3 years ago I had a brief XXXX procedure and received XXXX on my foot. I had insurance and paid my deductible. 6 months later a company not associated with the hospital and in another city sent me and invoice for {$900.00}. They wo n't sue me because they ca n't prove this is mine. Just last month they changed the dates with the credit reporting agencies to make it appear this is a new debt. I was suppose to refinance my home this month and I paid {$500.00} for an appraisal and now my credit score is to low to qualify for a {$600000.00} mortgage. I want it removed.

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 2016-03-15 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have independently resolved my issue with my Macy 's XXXX card, and since closed my account, but wish to document with the CFPB and I ask that you pursue with Macy 's as a complaint about this business practice. 
It appears that Macy 's charges an additional {$2.00} " minimum interest fee '' every month, even if you are receiving a bill for the first time for items you have purchased. Not clear, even from reading " the fine print '', what this fee is. 
We discovered this when we were trying to resolve past due payments for which we had never received a bill, neither online nor hardcopy ( though online is our stated preferred method ). Seems to me that this is a fee easily overlooked by Macy 's customers and therefore a clever way ( in my opinion ) for Macy 's to cover the cost of credit card shopping. I certainly agree that people should review their bills every month, but I am betting most people do n't. 
I never got an argument from Macy 's when I disputed this fee, which raises my level of suspicion even more. in fact, once I resolved the overdue payments, made the final payment, and closed the account, I got a bill in early XXXX with a {$0.00} balance AND ANOTHER {$2.00} MINIMUM INTEREST FEE CHARGE!!!!!! 
If you need more specific information, please contact me.

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 2017-01-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
We received a promotional letter in XX/XX/2016 from Citi Preferred Credit Card informing us that we would receive 5 % cashback on everyday transactiaons, if we used their transactions for purchases during the holidays, up to XX/XX/2016. This 5 % cashback was supposed to be applied to the statement balance following the cycle, and would reduce the statement balance immediately for that period. This went well for the first month. Between XX/XX/XXXX and XX/XX/2016 ; we made approximately XXXX $ in purchases using this card, and a cashback credit of XXXX $ ( 5 % of XXXX $ ) was applied to the statement balance on XX/XX/2016. Noticing that it was working, we spent XXXX $ on the card between XX/XX/XXXX and XX/XX/2016, hoping to receive approximately XXXX $ cashback on the next statement ( XX/XX/XXXX ). However, only about a XXXX $ credit was applied to the XX/XX/XXXX statement balance, whereas we were supposed to receive XXXX $ ( 5 % of XXXX $ spent till XX/XX/2016 as per the promotional terms ). We called customer service numerous times, but kept getting transferred, and we were first told by a representative XXXX that the credit would be applied on the next statement, then upon disputing that, we were told an investigation would be started, and we would receive an email within 24 hours. However, nothing was done and no email was received. Upon calling again, we were transferred between 3 different people, and then informed a credit would be reflected on the account and we would receive a letter in the mail. Instead, we received a dubious letter stating that we had called to inquire about a cash advance, which we never did. 
In all, Citi Preferred Card is not honoring their own promotion, whereby we were supposed to receive 5 % cashback on transaction made between XX/XX/XXXX and XX/XX/2016 ; whereby we are supposed to receive XXXX $ cashback ( as we made XXXX $ worth of transactions ). Upon calling customer service, we are being harrassed and mistreated, keep on getting transferred and are now receiving dubious letters in the mail and email about things we never inquired about, instead of dealing with the actual cashback issue we have.

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 2017-02-13 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
on XXXX, XXXX, Citi Bank sent me a {$10000.00} credit limt with a 0 % interest until XXXX. I used XXXX of the checks to pay off credit cards. I got messages from credit card payments that they bounced I called CITI Bank and was transferred through the ranks until I spoke to a underwriter. He assured me that it had to go through one more underwriter but he was almost certain they would reinstate their offer. Next day email told me I was not approved for the original amount. This decision was made after my checks were mailed. I believe the bank was unethical and did an illegal thing to their customer. I have mailed them a letter by priority mail complaining abouttheir business tactics. I have not heard from them and I want to follow throuogh wkith sueing them for the amount thart was offered.

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 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My wife and I believe that the Private Mortgage Insurance ( PMI ) on my home loan is ready or near ready to be cancelled based on the loan to value ( LTV ) ratio. Contrarily, Citimortgage has informed us that is not the case. We purchased our home in XXXX XXXX. In XXXX we began investigating ways to refinance the loan, however we were denied because of a reduction in home prices and income due to a job loss. By XXXX we began inquiring with Citimortgage about a loan modification, which we believed was possible through the Home Affordable Refinance Program. The process was painful and repetitive, involving multiple requests for similar documents worsened by changes in Citi staff, who often showed a lack of knowledge and concern for us. Miraculously, by the summer of XXXX we were able to successfully modify our loan, which saved us a modest {$400.00} a month. Throughout the process we understood that we were modifying our current loan. However, recently, when I inquired about the PMI, Citimortgage informed me that we actually had completed a conventional refinance, changing the LTV to the new loan price at the time of the XXXX closing. I disputed this understanding and was told that I should reference the promissory note, which I did. On the top of the document is prominently written, Consolidated Note and states that this note consolidates, extends, and modifies existing loan. We are confused. Furthermore, I suffered a job loss which caused loss of income and our home value had dropped significantly, precluding us from obtaining a conventional loan. We brought this to the attention of a friendly Branch Manager who reviewed our mortgage on an electronic database on her computer. She expressed some concern about the information then said that she could not speak to me about the matter. I asked her if she could refer me to an agent with whom I could speak. Instead she provided me with a mailing address to communicate with Citi. After several years of dealing with Citi in exhausting and overly complicated ways, we were reluctant to write. For example I have been on the phone with Citi employees discussing some of these issues for more than an hour with few or no resolutions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BC SERVICES, INC.
State: OH

Complaint narrative:
XXXX/XXXX/2015 I reordered my usual list of XXXX from XXXX XXXX, as I have been doing for the last ten years. On XXXX/XXXX/2015, without any bill or notice, they REMOVED {$260.00} from my checking account - without my consent. They claim I gave them permission XXXX years ago. This resulted in an overdraft on my bank account. I immediately closed that checking account and opened a new account they had no attachment to. 

I complained about this matter to them, but never heard anything back ; Until they contacted me in XX/XX/XXXX to try to collect on an outstanding balance of {$260.00}. I told them it was paid, and I had a balance of {$0.00}. They claimed to have refunded the money back to my account in XX/XX/2015. 

I have spoke to the bank on multiple occasions on this matter, and they assure me NO REFUND HAS BEEN PROCESSED, nor could it, since that account was closed more than 30 days prior. 

XXXX continues to harass me about this bill, even after I have faxed them copies of my bank statements, and had a three-way call with them and my bank. They have now enlisted the help of a collection agency ( BC Services ) who have been repeatedly calling and sending mail about this bill. 

I have not been able to reorder any of my medical supplies in the last year ( some items should get replaced monthly ) and now I will have to find another supplier, which will cost me more money because XXXX is the only XXXX supplier in network. 

This bill was paid in full, and they are threatening my credit which I am just starting to rebuild. I am looking to buy a new home and need all the help I can get.

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 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX AAdvantage points after opening a CitiGold account and then scheduling two bill payments from the newly opened account and making at least {$1000.00} purchases with Debit Card. 
Having completed the eligibility requirements, I inquired with Citi about when I would receive these points. I was extremely disappointed to hear from Citi about the outcome of case XXXX. After first offering the promotion, it appears Citi is refusing now to honor its promises. I appealed this denial citing several interactions with Citi representatives replying to my communication regarding the promotional offer. The debit card was not delivered to me several weeks late. Following communication has been initiated : XXXX, XXXX, XXXX, XXXX. I would like to point that I am in position of the promotional offer and screenshots made on XXXX/XXXX/2016, the day I applied for the CitiGold account, that clearly indicate the promotion code and Rules and Conditions and the fact I am eligible. 

I received the same form response that I was not eligible for the promotion without citing T & C of the original offer. While researching this issue online, I have found widespread complaints about Citi from other clients who found themselves in the same situation. 
I am extremely unhappy as I am currently in processes of transferring my assets over to Citi, but this event has seriously undermined my trust to your bank since such marketing practices are deceptive and misleading. I truly believe Citi must take steps to honor the bonus offer.

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 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I Applied for mortgage with Citi with a closing date on a new home being built by XXXX XXXX. Citi did n't schedule final inspection properly and resulted in my closing date being delayed by 4 business days. Per Citi, ( taken from Citi webpage ) " On-Time Closing Guarantee - We 'll close on time or give you {$1500.00}! '' with the following restrictions - XXXX " If you are purchasing a home, we guarantee to close by the date specified in your purchase contract, unless prohibited by federal law, * and further provided that the date is at least 30 days after the application date and the date of your purchase contract. If your loan fails to close on time due to a delay by Citibank, you will receive a credit toward closing costs of {$1500.00}. Offer not available for refinance loans, co-ops, unapproved condos, residences under construction, community lending programs and government loans. In Texas, the credit may not result in your receiving cash back. ( *Federal law requires certain disclosures be delivered to the borrower at least 3 business days before consummation. The Guarantee to close does not apply if such disclosures are required and your closing is delayed due to the 3-business-day waiting period. ) '' Loan Application was formally made XX/XX/XXXX, giving approximately 60 days until scheduled closing. 

Home construction was finished Approximately XXXX XXXX, XXXX and I had the final inspection/walkthrough with the builder shortly after. The final inspection scheduled with citi was scheduled with loan officer for XXXX XXXX, XXXX. Due to Citi scheduling issues, the inspection was rescheduled for XXXX XXXX and finally took place on XXXX XXXX, XXXX. 

Citi did not honor on-time closing guarantee stating that house was under construction at time of application. While this is true, that condition is not explicitly stated in Citi 's terms and restrictions. The house was NOT under construction when Citi encountered a scheduling error ( holidays maybe? ) and there for should still be eligible for the on-time closing guarentee per the verbage of Citi 's Terms and Restrictions as they apply to the 'on-time closing guarentee ' The fault for a late closing rests solely with Citi and was in no way influenced by the actions, or lack there of, of myself or the home builder.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Citibank NA made a hard inquiry on my credit report without my authorization or application for credit. There was no authorization for this inquiry which occurred on XXXX/XXXX/2016. I contacted Citibank via phone and they denied having made such a credit inquiry and was notified that they had no information as to an inquiry being made on my credit account and that no new account has been applied for, nor opened. I disputed the inquiry with the credit reporting agencies, through your organization, and supplied with the outcome that the inquiries were made by Citibank and would remain on the account unless directed by Citibank to remove them. According to the consensus on the internet, there seems to be many individuals experiencing this unauthorized access by Citibank , NA.

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 2015-10-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Macy 's changed bank servicers to CitiBank -when they changed their website changed. The website prohibited access for months. I sent numerous emails and no one responded. I called XXXX times in one day -- no one could explain the issue. During that 3 month period I had a XXXX balance. I then made a purchase in XX/XX/XXXX, and was sent a bill via email. The bill linked to the website that would not allow me to view my bill. I sent emails and logged a support ticket as I could not review my statement or see my balance or payment due. No one responded. I could not even access a payment screen. So I went into my old XXXX account and found an old macy 's bill and paid a minimum payment due of {$25.00}. I was called on XX/XX/XXXX and told I owed an additional XXXX and I had late fees. I asked how, and no one could tell me why-they told me different payment amounts that were received, different interest accruals, and refused to offer ANY insight into why the site was down, why no one would call, and how I could see my statement. They also could not answer whether the false late payments were reported to my credit. They should have been able to answer ALL of these questions. I was not permitted to even VIEW my statement. So, I disputed late fees as I did not have a balance and they could not provide any information on the balance, even one rep said she couldnt tell where a {$180.00} balance came from and transferred me to fraud, then I was left on hold for XXXX minutes waiting for someone in tech support to pick up. So I finally got access to my account, and nothing was updated, no late fees were waived. but the payment due on an incorrect balance of {$440.00} was {$95.00}. I had just paid {$25.00}, but they said I paid it too soon, and it would n't be reflected in the XX/XX/XXXX payment, which is illegal. So I paid another {$50.00} -- totalling {$75.00} in payments on a {$400.00} balance that should have been a {$350.00} balance. Then I submitted an email requesting they provide the new balance with the late fees waived because their system was not updated, they refused to respond -- its been 3 days. SO I log in today to see if anything changed, and the late fees were waived, but they demanded an additional {$45.00} -- They forced me to pay a total of {$120.00}. XXXX on a {$350.00} balance. Obviously this is a blatant violation of the CARD act. They have had ample opportunities over the last 90 days to cure their technical issues, to respond to my emails, to pick up the phone while I 've waited on hold, and they refuse to abide by the law. In turn, I 've suffered financially because of their intentional and willful acts, and negligence in behavior and communication.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief