vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-24 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In reference to my response from Citi Bank I was contacted by a rep by the name of XXXX XXXX I spoke to hear about my credit card request she promised me that my credit card application would be reacessed for credit card approval. I then call the reacessement line to get a up date only to find out that a credit card application reacessement was not submitted so she lied to me about submitting a request. this is one of the problems of the big banks no respect a bad customer service that lies to customers I am requesting that this be looked into because this only proves my point that these big banks do discrimmate againist minoritys I do n't understand why I was lied to about my credit card reacessement which was never submitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Closed Account with XXXX XXXX acct # XXXX on XXXX/XXXX/07

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
Financial Asset Management Systems ( FAMS ) is engaging in behavior that is in flagrant violation of the Fair Debt Collections Practices Act. I have repeatedly asked FAMS for a statement balance regarding my payments, including interest rates, collection costs, and fees. They have repeatedly ignored my requests. In addition, I called FAMS on XXXX XXXX, 2015 at XXXX XXXX EST to make a payment and the agent that I spoke with proceeded to hang up on me even though I have provided my social security number and date of birth as verification. FAMS is engaging in illegal and abusive debt collection violations which are illegal under the Fair Debt Collections Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have an account with citibank. I had financial difficulties any could not make my monthly payments on the account and my account was over the limit. Citibank closed the account and continually reports over-limit and late payments to the major credit bureaus. I am not disputing that I owe citibank nor am I trying to not pay them. I have been paying what I can and recently set up an autopay payment of {$64.00} to be debited 2x 's a month in the amount of {$32.00}. On XX/XX/XXXX I received an email saying my autopay was coming up and the amount was not {$32.00} is was {$780.00}! I did n't set up nor authorize a payment for {$780.00}! I immediately went online and changed it back to {$64.00}. I received an email confirmation of my updated payment. I went online and checked my bank account and citibank withdrew {$780.00} which caused my car and credit card payment to bounce resulting in return and late fees of {$170.00}! My credit card charges an additional fee of {$39.00} because now I am also over my limit! I called citibank and while the person I spoke with tried to help he said my account was on hold and they would n't do anything. I had to call my bank and explain everything, then call the credit card company, and them the car company. This has been an all day ordeal due to citibank fraudulently withdrawing more then I authorized!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-11 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau : I am making a COMPLAINT and want to express my uttermost displeasure with the way Goodyear Credit Plan/Citibank has been harassing me about a credit bill that we paid in full!!! The credit card was issued for the purchase of XXXX tires at XXXX on XXXX XXXX, XXXX. 
Goodyear/Citibank representatives continue to call my cell phone at least 3 times daily. Below are the phone numbers they have used : XXXX XXXX ( XXXX XXXX KY XXXX XXXX ( Texas ) XXXX Sometimes I answer and sometimes I do not. Every time it 's always the same story. They want to help resolve what they contend is an " outstanding debt '' but what we contend is a " debt paid in full! ". Furthermore, the Goodyear Credit Plan/Citibank representatives talk to me in a very demeaning, demoralizing, and repugnant manner. I tell them that their company is trying to force me to pay on an account that I have already paid the final balance based on the promotional agreement! The promotional agreement allowed me to pay off the financial obligation in 6 months. 
In XXXX XXXX, I purchased XXXX tires from XXXX XXXX that cost {$1000.00}. Goodyear Credit Plan/Citibank approved me credit arrangements to be able to pay off this debt in 6 months. I was told that as long as I paid the debt off in 6 months, I would not be subject to any financial late fees and interest charges. This has not been the case because now Goodyear Credit Plan/Citibank continue to harass me into making payments for those same fees and interests that I am not obligated to pay. 
I made six payments of {$170.00} on the dates in XX/XX/XXXX ( See XXXX XXXX XXXX Statement ) : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX The six payments totaled {$1000.00}. The costs of the tires was only {$1000.00} ; therefore, I have paid off the obligation in six months which was reflective of the aforementioned agreement. Now, Goodyear Credit Plan/Citibank wants me to pay the additional fees and interest charges of more than {$290.00} ( probably more now ), which I am not obligated to pay based on the prescribed agreement. 
I refuse to pay these outrageous and unjust charges because I do n't believe I should. 
This account is XXXX. 
I am attaching other pertinent documents.

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 2016-07-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Opened a bank account in XXXX with Citibank during a promotional period offering XXXX XXXX AAdvantage miles for opening a Citigold checking account with them and fulfilling certain requirements. These requirements were spending {$1000.00} in qualifying debit card purchases and one or more qualifying bill payments for two consecutive calendar months, with all requirements to be completed within sixty days of account opening. 

I completed these spending requirements presented in the offer on XXXX XXXX 2016, which I verified were met via Citi 's Customer Service by phone. The customer service agent told me that the the miles were supposed to post within 90 days. However, the miles never posted. 

I contacted the bank about the delay and was told via secure message that I was suddenly not eligible for the offer because I was not " targeted for the promotion '', even though I had used the promotion code during the signup and had their customer service verify that the requirements were met for my account with no one mentioning such a restriction. 

As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by Customer Service by XXXX XXXX 2016.

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 2016-07-15 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 closed an account with Citibank in XXXX, they did not close the account because it was reopened by a charge. This is legitimate, however I was never informed for 4 months when I finally got a letter stating I had an overdraft of {$110.00}. I called customer service and was told by a manager at the call center that ALL the charges would be reversed and the account would be closed. The following day I do not receive an email confirmation as requested, so I call again to ask another customer representative who tells me that I still have a balance of XXXX. No notes were entered to reverse any charges at all! Nothing was done they basically lied to me about reversing the charges. Finally they reverse some charges and I end up paying a balance of {$59.00} and closing the account. 

{$59.00} is n't a lot of money but it 's just the principle, the fact that a company tells you they will do something then does n't do it, then adds an overdraft charge and makes you pay anyway. I am not interested in Citibank 's response because I know that they will just deny that this ever happened, I just hope that enough people complain about the same thing over and over again that this causes them to be fined by the government. What your customer service team did was unethical and unprofessional you should not have made me pay overdraft charges in the first place since I was n't even aware that the account was open, and you certainly should n't have lied and told me you would reverse all the charges.

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 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Some one opened up a credit account at CITIBANK in my name, took over XXXX $ and 2 years later I found out about it, because Citibank contacted me about the outstanding balance.

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 2016-02-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Introductory offer False advertisement, Citi ThankYou Preferred Card - Earn XXXX bonus ThankYou Points after you spend {$0.00} in purchases within 3 months. It 's been almost 2 months since and I do n't see the points on my banking.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hello, I would like to file a complaint to citibank regarding on a promotion that was offered to me in XXXX XXXX. I opened a citi gold checking account ( account number XXXX ) with a promo code " XXXX '' which would give me XXXX thankyou points after I complete two bill payments in two consecutive months. I was confirmed by several citi representatives in XXXX XXXX and XXXX XXXX that I had successfully completed all the requirements and I would definitely get my points by end of XXXX XXXX. The case had been escalated twice this month when I called and as of today, I have not received the points. I got a letter from citi that I was not targeted for this offer which is definitely not true. The offer page clearly stated the promo terms and conditions while I opened the account and citi confirmed several times that I would get the points and told me all I needed to do is to wait till XXXX XXXX. I am so disappointed with citibank as they were just trying to fool people around. While they told people one thing at the beginning, they are playing games and try not to honor the offer after I have waited for more than 3 months and I was charged for {$30.00} service fee per month. This is not a big bank supposed to do and I am filing this complaint against citibank. I will attach the screenshots and the confirmation I got from citi about the bonus points.

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 2016-03-08 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:
I received a letter on XXXX XXXX, 2016 stating all of my Citibank , N.A . credit card accounts were closed ( accounts ending in XXXX, XXXX, and XXXX ). I lost access to XXXX of my Citi Thank You Rewards points ( in account ending in XXXX ). I confirmed the exact amount of points on the phone with Citibank. Normally you have 60 days to access your points after the closure of an account but when calling Citibank, I was told that I could not do that. Each point could be used at a value of XXXX cents a point for airfare. Therefore, I lost {$760.00} of money from my account that I had already earned. Citi is not giving me access to that. I would like access to those points to redeem them for their value or to be paid the value of the points in a check. 

On XXXX of my accounts, I paid a {$450.00} annual fee. I would like to have the annual fee prorated for the remainder of the time that I now do n't have the card. 

If Citibank is going to close my accounts, then I want to get the rewards that I had already earned and the annual fee money back.

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 2015-10-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Refinance loan application got declined. 
1. I have excellent credit. 
2. New payment is going to more than the current loan I have. 
3. Mentioned that my loan to income ratio was supposed to be less than or equal to XXXX % but told that it was coming out to be XXXX %. When asked for the basis and calculations, none are provided. 
4. Asked to bring {$7500.00} more to the table, in the lines of origination fee. When I said, i would not, the loan got declined.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Media Collections, Inc
State: CA

Complaint narrative:
My children did not attend this program for the XX/XX/XXXX-XX/XX/XXXX year, I have told the company this several times but they continue to try to collect an enrollment fee and an fee for the school year. I even called them and told them before school started that my children will not be attending.

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 2015-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Our Citibank statements either on line or in the mail no longer have copies of our checks. 
We need to see copies of the checks we write. These checks are documents we need XXXX and for other uses. 
If XXXX can give XXXX of email storage for FREE to XXXX XXXX customers, why ca n't Citibank keep less than XXXX that amount, XXXX megabyte of space to allow us to see our checks as they used to do? 
They only kept the images available for a year or so so it never amounted to a lot of storage. 
XXXX Bank is doing the same on the new account we opened there. 
Please stick up for us consumers. 
If XXXX can do it for free x XXXX, surely our bank can do it too. 
The federal government gave banks the big saving of not having to return the actual check to us. At least let us see the " virtual '' check. 
Thanks for your time and help. 
XXXX and XXXX XXXX you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Citi Double Cash Card Last 4 digits XXXX. Phone : XXXX. 
Name : XXXX XXXX Address : XXXX XXXX Al XXXX PH XXXX There was a credit balance on my card ( citi bank owes me {$53.00}. ) I was owed this money for XXXX months and citi did not take any steps to refund me. Citi sent me blank check, I used XXXX check to get my funds Citi was illegal holding without interest. I wrote a check for the amount {$53.00} and deposit it to my account. Citi paid the check but charged me a fee of {$5.00}. There was no notice or info on the check that a fee would be charged. I want Citi to refund me the fee of {$5.00} and interest for holding my money {$53.00}. I called Citi customer service on XXXX/XXXX/2016 but citi refused to refund me the {$5.00}. Solution : I want Citi to refund me the {$5.00} and appropriate interest for holding my fund.

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 2016-08-17 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
About 41 monthly payments in on a 60-month repayment plan with Citibank. In error, they drafted XXXX payments from my bank account in XXXX ( 3 days apart ). Refund of {$36.00} NSF fee and refund of {$530.00} was approved to be escalated ( XXXX48 hours ) on XXXX/XXXX/16. As of XXXX/XXXX/16, refund has not occurred although I have contacted Citibank multiple times to no avail. Only getting the runaround.

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 2016-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HOVG, LLC
State: TX

Complaint narrative:
I asked them to no longer contact me at work on XX/XX/2016. Continued to receive call from them at work as of XX/XX/2016. I also asked them to provide written proof of debt, and they have failed to do so.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
It 's an automatic recording from Macy 's to get a credit card. When you call XXXX you get Macy 's phone tree routing system which continues to ask for your account number for which I have none. When I finally got to a human being she had no clue why I called. She was there for receiving accounts open payments. This took over an hour to get to her. So there is no where to call to have them stop. It 's getting to be twice a day. Last week I relisted with the " Do not call list '' for both phones.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, I have a Macy 's Star credit card since 2012. XX/XX/XXXX I lost my card so I called up Macy 's and logged a complaint for it. They immediately blocked my card and told me not make any payments as they are doing investigation on it and they will send a new card. I got the new card in few weeks but post that I did n't get any statements from them neither I did shopping XX/XX/XXXX. In XX/XX/XXXX when I went to Macy 's department store, I finally got to know that they have closed my account for non/late payment and reported my name to credit bureau. 
When I called up to enquire about it, I was actually surprised and traumatized that they are not even bothered if they have closed my account and send my name to credit bureau. They were just asking me make the payment for all the charges. After lot of argument finally they settled my account for the balances and I made the full payments but still my name is still reported credit bureau for the mistake I did n't made. 
Lastly I am the customer since 2012 and I did n't even made one late payment and still they closed my account and sent my name to credit bureau that to without informing me. It is really not expected from them. 

Please 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 with monetary relief
Consumer complaint received 2016-11-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My family 's property is facing foreclosure recently, our father passed away in 2014 and we were unaware of any creditors on his living trust, since his death CITIBANK NA has came forward with a claim and is now looking to foreclosure on our property without taken proper steps.

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 2016-05-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened a Citigold checking account with a bonus offer of XXXX Thank you points. 
Before opening it, I confirmed I was eligible for it. 
I completed the requirements and waited 90 days for the bonus points. 
I chatted with a Citi rep named XXXX who confirmed I 'll get the points. 
Now Citi is saying I 'm not eligible for them.

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