vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am not sure if this is the correct place to make this complaint or not, so please redirect me if it is not. Some months ago, I was sent via email and regular mail, an offer from Citicards that if I used CitiCards with XXXX that I would earn 10 times the XXXX XXXX XXXX miles that would normally be earned, up to a maximum of XXXX miles. I was an existing Citicard XXXX card member. 

The offer was good upon enrollment and ended XXXX/XXXX/2015. So I enrolled in XXXX and used the XXXX option. I checked my statements and noticed that there was no bonus miles being awarded for using the apple pay for eligible purchases. So I called the customer service for the card at Citibank on XXXX XXXX and the agent had to check what was going on. He came back on line and said the program was never initiated because of a disagreement between XXXX and XXXX XXXX. He apologized that customers who enrolled were not notified and offered me XXXX free miles for my trouble. I had already earned an expected number of free miles greater than that, but accepted the offer. I asked why customers had not been notified and he had no idea. 

My problem is that Citi was earning merchant fees and maybe interest under a false pretense that they were awarding bonus miles to the customer, even when they knew the program was not in effect. Unless someone carefully checks their statements they have no idea that the bonus miles are not being awarded. This is not right. It would have been relatively easy to notify enrolled customers about the program cancellation via email, but this was not done. Who does someone make a complaint about this to? Thanks for any help. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I got a new Consumer Credit Card with Home Depot yesterday afternoon. I had to submit my social security number and my telephone number. An hour later I started getting calls ( I have now gotten 8 calls that I answered, with various different scams. One claimed that I had won a government grant of {$9500.00} for paying my taxes on time. The other claimed it was an agent of the IRS calling. Another was a Medical Claims Payment. All of them were scams asking for some id or financial information from me. I think that one or more of the organizations Home depot sells its information to is using that information to call people with illegal money scams. I called Home depot and had my number put on the do not call list, and I have stopped getting calls.

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 2015-03-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As agreed with XXXX XXXX XXXX on XX/XX/XXXX, I have been paying {$50.00} at the end of every month for a settlement with Best Buy. I lost my job on XXXX, and I informed this agency of my financial issues. However, I told them, I would make every effort possible continue making the payment as agreed. I have done so, and now XXXX of their employees is calling me on the phone asking about the payment, and calling me a liar. I process the payment through the bank payment services, and I tried to tell him that, and that I had done that several days before. The guy started yelling at me on the phone repetitively calling me a liar. I do n't deserve to be talked to that way, so I hanged up.

Company public response: Company 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: PA

Complaint narrative:
Before opening the CitiGold checking account, I had spoken with a CitiBank agent over the phone to find out if I qualified for the offer to open a CitiGold checking account and receive XXXX miles as a bonus for opening the account. She assured me I qualified, and to apply online, so I did. Initial contact with CitiBank via chat assured me I had met the qualifications in XXXX 2016 and would receive the miles by early XXXX. 
Today, XXXX XXXX, 2016, I communicated via chat with a CitiBank rep who told me I was n't targeted for the XXXX bonus miles offer to open a CitiGold checking account, therefore would not be receiving the XXXX bonus miles. I even showed the chat log I had saved and was told they could not honor it regardless of previous communications to the contrary.

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 2017-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I opened a checking account with CitiBank on XXXX/XXXX/XXXX in response to a promotion that I had received. The promotion said I could earn {$400.00} by depositing {$15000.00} and maintaining that balance for 30 days and keeping the account open for 90 days. I decided to close the account on XXXX/XXXX/XXXX ( 99 days after opening it ). I called Citibank to close the account and confirmed that I had met the requirements to receive the promotion. When I received the close-out check, it did not include the {$400.00} promotion. I contacted Citibank which told me that I had met the requirements and that the promotion had been set to be credited the day that I closed the account, but by closing the account, I could not receive the promotion. I escalated my call to a supervisor who forwarded my complaint to a department. This seems like a classic bait and switch. I funded the account with the required amount of money for the required amount of time and yet Citibank has not upheld its commitment.

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 2016-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I was told loan was discharged in BK in XXXX. Now Nelnet is reporting negative to my credit report. In fact they were inaccurately reporting that i my student loans were in bankruptcy as of XXXX XXXX. They have since corrected that error, but now report that i am 90 days plus delinquent. I never received a notice due, late notice or anything from Nelnet. I spoke with Nelnet and they advised they had n't contacted me since XXXX XXXX and even then it was at wrong address eventhough my info is correct with the bankruptcy. Nelnet is inept and i should not be damaged because of their inadequacies. Their inaccurate reporting dropped my score over 70 points and cost me a job that i was offered. On the day i was supposed to start they pulled my credit and because of the score falling below minimum requirements i lost the job. I have since applied again and have been approved for a deferrment due to no income. I cant pay back a loan without a job and i cant get a job if nelnet wont correct their errors and take responsibility for their deficiencies. i.e they did not update their address, they did not properly filed the bankruptcy notice and they reporting bad info to credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Please be aware that I have submitted a similar complaint twice, but both times Citibank has found ways to avoid responding. As I was unable to reach a resolution, I am supplying more information in this complaint. 

Prior to XXXX I knowingly and voluntarily co-signed on XXXX of my sister 's private student loans taken through CitiBank for her master 's program. Subsequently, beginning in XXXX XXXX and continuing through XXXX without my consent or authorization XXXX XXXX XXXX XXXX more private student loans were issued to my sister using my electronic endorsement. XXXX XXXX purchased the loans at some point after the loans were issued. In XXXX XXXX, I sent dispute letters to XXXX requesting verification of the debt. In XXXX XXXX XXXX responded and insists that because my social security number, date of birth and address were provided on the request to open the XXXX additional accounts, they are valid and I am financially responsible. I sent a second series of letters to XXXX in XXXX XXXX challenging the validity of the endorsement and requesting information to demonstrate that the applications for each of the disputed loans were in fact endorsed by me. I also requested a copy of the assignment or purchase agreement between XXXX and CitiBank for each of the accounts. To date no response to the second set of dispute letters has been received. In XXXX XXXX I did receive a letter from XXXX informing me that the loans were delinquent. 
I have sent XXXX sets of disputes to the XXXX major credit bureaus for each of the XXXX loans based on the fact that I did not sign or authorize my signature to be used on these loans. Each of the agencies has responded and claim that their investigation shows that I am responsible for each of the loans and they will continue to report the delinquency for each loan. 
When all is said and done, while I did agree to co-sign on XXXX loans for my sister prior to XXXX, I did not authorize my endorsement for the private student loans taken in XXXX and XXXX. Also please let it be known that there is NO pending litigation on this 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 explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a pre-paid VISA from XXXX which was issued by CITI Group in the amount of {$150.00} in XXXX. It had an expiration date of XX/XX/XXXX. A copy of the card is attached. I misplaced the card and I did not use the card by that date. I found the card in XX/XX/XXXX. I asked XXXX to issue me another one - they told me I had to talk to CITI. I called CITI XX/XX/XXXX and they told me that the card was no longer valid and that they could not issue me another one, nor could they give me any money - they said that the card showed a zero balance due to it having not been used by the prescribed use-by date of XX/XX/XXXX. 

Now fast forward - I read somewhere that what CITI told me was not correct. I called CITI again on XX/XX/XXXX and this time they told me that the card did in fact have a balance of {$120.00} - I asked them why it only had a balance of {$120.00} and they told me that it was being surcharged {$3.00} per month for being dormant. I asked them to give me the {$120.00} - in some form or fashion - either a check, reactivate the card or issue a new card. CITI told me that they could not return the money to me - that is a pretty good trick - The money is there and they get to keep it until they surcharge it down to nothing even though I have asked for the money or another card. This seems like a dirty rotten way to do business - and I hope that you can do something about this. Again, when I talked to CITI in XX/XX/XXXX they told me one thing and then in XX/XX/XXXX they told me something else. Also, when I called on XX/XX/XXXX the person that I spoke with ( XXXX - no last name ... - in the XXXX ) would not allow me to speak with anyone else even though I asked for a supervisor. I told her that I was going to file a complaint - at that point she put me on hold for probably 7 or 8 minutes and when she came back she wanted my cell phone number and she told me that someone would call me to speak with me. I gave her my cell phone number but I have not had any call from CITI regarding this matter.

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 2015-10-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Thank you for reviewing our complaint. Last year XX/XX/XXXX I had a lawsuit filed against me regarding my employment and subsequently had to change jobs XX/XX/XXXX. XX/XX/XXXX my wife and I called our mortgage company Citi Bank to tell them of our severe financial problems. At that time we were two months behind on our mortgage. We ask Citibank for a mortgage re-modification and subsequently file the application for a HAMP loan. The process dragged on until XX/XX/XXXX when Citibank informed us that they did n't do HAMP loans after we submitted months of bank statements, forms, tax returns etc. Then we were told to apply for a mortgage modification which is what we asked for in the first place. So we resubmitted bank statements, tax returns everything they asked for. All the while we were told by the XXXX Citibank representatives ' that they would not accept any partial of full mortgage payments from us until the application process was completed. XX/XX/XXXX Citibank denied our modification due to the fact that we " did n't make enough money '' our income was short {$100.00} per month or there about. Then we appealed their decision and they told us we " made too much money ''. Thus denying us again. By that time we were on our XXXX loan officer. Now we are on our XXXX loan officer and I am trying to work through the situation with him. We have saved money to make payments on our mortgage when we hopefully get this situation resolved. We have over {$170000.00} in equity in our home. We are currently 19 months behind on our mortgage. I believe Citibank has been untruthful, misleading, unwilling to help us keep our home. We have lived in this house for 10 years and have XXXX children and we are afraid we are going to loose our home. I have spoken with a real estate lawyer and he believes we have a case. Could you please help us?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have recently been informed that there is negative information reported by CITIBANK, CALIFORNIA in the file XXXX maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing an " ACCOUNT ABUSE - CHARGE-OFF amount of {$1100.00} '' on XXXX/XXXX/2015 ''. 
I am unaware of ever having an " ACCOUNT ABUSE - CHARGE-OFF amount of {$1100.00} '' from this bank. I have several accounts including credit card accounts with CITIBANK that are in good standing and I 've banked with them over XXXX years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: QUALITY ACCEPTANCE LLC
State: NV

Complaint narrative:
I do not want to hear a word from this company but a check sent. QUALITY ACCEPTANCE, LLC, and all, I mean all of its workers are nothing but thieves and criminals. They lie, commit fraud and give illegal interest rates and make unlawful calls and threats. Over {$12000.00} sent to them and we had car for a year. WAIT TIL YOU HEAR THEIR RESPONSE, its filled with lies and games. They are disgusting and need be fired and tossed out of the loan game. DISGUSTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have bought XXXX XXXX 2011 XXXX from XXXX XXXX XXXX , XXXX . I was going through a Bankruptcy at that time. I paid {$10000.00} down and rest financed by Wells Fargo Auto loan. The Finance department said to me that my interest would be 17.990 % because of my bad credit. Since I was in desperately needed of a car I agreed to the above interest. But I realized that they took advantage of my desperate situation and exploited me of my bankruptcy situation. This is unfair because in 2011 the average auto loan interest was less than 3 %. 
I strongly believe that the XXXX XXXX management and Wells Fargo deliberately duped me to pay high interest. 
I have been paying the monthly installment of XXXX for the past XXXX months that equals to {$40000.00} for the loan of {$30000.00}. 
This is unfair and please makes sure that Wells Fargo write off the balance of XXXX and take the lien from the title. 
Paying 18 % interest is like cutting your throat and I work 90hours per week to meet my both ends meet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
On XXXX XXXX, XXXX, I mailed the following to Fraud Claims Department, AT & T Universal Card, XXXX XXXX, XXXX XXXX, SD XXXX. As of today I have never received an acknowledgement or a response to my letter and claim. 
I was instructed by Customer Service to mail in the details of the charges that I am disputing as fraud. Please find enclosed a list of all charges that I am disputing. I have never conducted business with XXXX XXXX XXXX XXXX. I live in XXXX, OK. This charge took place more than two hours from where I live in XXXX, OK. 
I did not initially identify this transaction as fraud because I am XXXX. I, therefore, require assistance. Unfortunately, I only did a cursory review of my statements and obviously not a detailed and thorough analysis because of the medical conditions that I was experiencing at the time. 
I was unaware of the extent of the fraudulent charges especially since I was using the card at the same time and my primary method of reviewing the statements was by phone and not all of the relevant information was available to me, such as the city where the charges were made. Furthermore, my bill was due and I wanted to avoid late charges and extra interest and to maintain the good standing of my account. 
I am certain this transaction is fraudulent. I had to provide an agency with the last twelve months of statements. The agency was only concerned with charges relevant to them. As I was omitting non-relevant charges I discovered a fraudulent charge in XXXX, XXXX, on a different credit card from a company I had never heard of. This prompted me to examine all of my past records/statements for all my credit cards. With assistance and hours of close examination of all my statements I discovered charges for XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX ( charges to a utility company that I had never had an account with, done business with, nor resided in that city ).

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 2016-08-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX. 
Back in XXXX XXXX I have received a paper promotion from Citibank ( Citigold checking account ) which offered XXXX XXXX when you meet certain criteria : 1. You currently must have Citibank / XXXX XXXX credit card ( I had it since XXXX XXXX and it 's still active ) 2. You must make XXXX or more bill payments within 2 consecutive months ( I made XXXX ) 3. It must be a first time Citigold account ( it is, never had XXXX before ) 4. Must spend $ XXXX or more within 3 months ( I spent {$1.00} in 30 days ) 5. Must apply before XXXX XXXX, XXXX ( I applied either XXXX XXXX or XXXX ) 6. Must have XXXX account ( I have XXXX, it 's still active XXXX ) Account was opened at the Citibank branch XXXX in XXXX, NY and the rep told me she sees that I 'm eligible for that promo. 
So they promise that 2 months after doing all that I should be able to see my XXXX which never happened. I started XXXX investigations and they keep saying that unless I show them that piece of spam they sent me in XXXX they wo n't help with miles. Branch manager couldnt do anything either. I see a lot of people have complained about it XXXX so you guys are my last hope. 
I have attached XXXX latest statements of my XXXX XXXX account where you can see there 's no XXXX bonus.

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 2016-06-17 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 received a promotional offer for XXXX aadvantage miles if I opened up a CitiGold checking account and made {$1000.00} in debit card purchases and paid a bill with bill pay for two consecutive months. I opened the account online using promotion code XXXX. Even though it has been over 90 days since I met the requirements, I still have n't received my points! As you can see in the attachment I provided, Citi has even confirmed that I met all the requirements. They said I would receive the points by XXXX/XXXX/16, and they have n't deposited them into my aadvantage account yet. I think that Citi Bank has lied to me and pulled a bait-and-switch tactic. CFPB, please help me correct this problem.

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 2015-03-21 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:
I already proved with the credit bureaus and the CFPB that this account is a relatives account it is not mine ; it has been removed from my credit reports a couple of times, the account gets sold after I show that it is not mine and then it goes back on my credit reports, affecting my life and my family 's life. Original account is Citibank NA : XXXX XXXX XXXX XXXX. The account was sold to XXXX XXXX XXXX, then XXXX, XXXX and now a company called XXXX XXXX XXXX ; whom never contacted me, they placed it on my credit report. I did send them a letter, I have not heard back from them.

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