vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello CFPB, Thank you very much for your service and assistance. 

An account showed up as " charged off '' on my XXXX Credit Report. The only information I can attain is -- CBNA ; revolving account ; first descrepancy XX/XX/XXXX ; then " charged off '' XX/XX/XXXX ; XXXX, S.D. XXXX --. 

I have no idea what this is concerning. Thru online research I found a telephone number for a " XXXX '' -- ( XXXX ) XXXX --, but this number is not a valid telephone number.... Could CBNA also stand for CitiBank of XXXX? 

The last couple years, I spent maybe 60 % of my time away from home as a XXXX working all over the state, but not near home. I also had a few medical issues that were taken care of at various medical facilities near home or away. I have no one at the house to get mail, and what I could n't take care of online gets mailed.... A few months ago, I paid all of my bills, totaling thousands, and went thru all mail, as I never throw mail out. Still, I can find no paperwork that has " CBNA '' printed on it nor any Citibank paperwork. 

I have not opened any Citibank account in years. I tried to open an account with XXXX ( a local box store ) a few months ago, but that was more like XX/XX/XXXX, not XX/XX/XXXX. 

I 've sincerely tried to pay all my bills and have kept and noted all paperwork as paid. I can not contact any CBNA to find out what this is regarding. I want to dispute this being on my credit report, as this year the only outstanding account on my credit report will be this " CBNA '' and " XXXX '', and it could stay on for another 7 or 6 years, harming my credit score. 


Respectfully, XXXX ss # XXXX cell XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX XXXX someone made XXXX atm withdrawals. I did not realize this had occurred until about XXXX that night when I checked my balance on the Chase app. Weird part is that the card was in my wallet. Once I found this out in contacted Chase immediately and filed a claim. Yesterday, XXXX XXXX I found out my claim was declined because they can not prove fraud. Chase 's excuse is that they ca n't prove I did not give someone my information or allow them to use my card. I informed them that it was not me, I would never give my card and PIN to anyone and I was at work all day and I ca n't be 2 places at once. They were extremely unhelpful and are giving me an extremely hard time because they said the card was in my possession. They refuse to give me money back. I filed a police report for identity theft along with getting a written letter from my job along with my HR manager contact information stating I was in deed at work and I in fact work in NJ. I told Chase I thought this was ridiculous and they made this determination with not looking into anything further because my debit card has a Chip. I told them I am telling them it was not me and if they can not protect my money or offer me anymore assistance what 's the point of even doing business with them. I know it was only XXXX transactions for {$500.00} but it 's my money and no one has the authorization to take my money from me. I am utterly disgusted and upset and may be contacting my family attorney for legal advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened a Citibank ( R ) Account Package checking account in XX/XX/2016 using promotional code XXXX ( equivalent to the online code XXXX or Citi 's internal code XXXX ), under which I would receive a bonus payment of {$400.00} within XXXX days of meeting the requirement to keep {$15000.00} in the account for XXXX days. I deposited {$15000.00} in the account on XX/XX/XXXX and kept it in the account until XX/XX/XXXX, when I withdrew {$5000.00} via check. 
In XX/XX/XXXX and XX/XX/XXXX I messaged Citi asking about the promotion and they confirmed XXXX times in writing that the promotional code was applied to my account, that I had met the requirements for the promotion on XX/XX/XXXX, and that the {$400.00} would be credited to my account by XX/XX/XXXX 
When the bonus failed to post to my account by XX/XX/XXXX, I opened an investigation with Citi as to why it was not paid. They have failed to answer that investigation and have been stonewalling me ever since. The most recent communication I have from them is from XX/XX/XXXX which claims they have " expedited '' the investigation with their back office and that I must wait another XXXX days before they can tell me why the bonus was not paid. 
It is clear to me at this point that Citi has no intention of paying the bonus they owe me and intend to continue stringing me along with endless " investigations '' until I give up. I am tired of dealing with these people and just want to close my account, but can not do so until the investigation is resolved. 
I demand that Citi pay me the {$400.00} which they have repeatedly acknowledged that they owe me and which should have been paid by XX/XX/XXXX I also request that Citibank be referred to the XXXX Department of Justice and Federal Trade Commission for engaging in fraud and false advertising, as I am not the only person Citi has attempted to cheat out of their bonus in this manner.

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 2016-10-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Sears Credit card company adding late fee and different balance due amounts bill clearly different then the one customer receive.

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 2016-07-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I signed up for a checking account promotional offer with Citibank to earn XXXX XXXX XXXX miles after meeting certain criteria. I was told these points would post to my account at the end of my XX/XX/XXXX statement cycle ; they did not. I 've contacted Citibank on multiple occasions with confirmation that the points would be posted within 5-7 business days. My first call was XX/XX/XXXX -- they asked for my AAdvantage account number, and I have provided it to them multiple times ; it has now been approximately one month. I am frustrated that I met the specified criteria, and I have been paying my monthly fees for the checking account, but Citibank has not honored their word by way of applying their promised XXXX XXXX points to my account like they have told me they would multiple times.

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 2016-09-10 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 husband, who died on XXXX XXXX, XXXX, took out a home equity line of credit which was used to back the mortgage on a cabin. The loan became due on XXXX, XXXX, XXXX. This loan was executed prior to our marriage and I am not on any of the title documents. However, I have in good faith paid the monthly interest, maintained the property, and worked diligently with a realtor to try and sell the property ; which is underwater by approximately XXXX XXXX dollars. I hired an attorney hired to represent me as no one was in the bank mortgage department would interact with me, other than through past due notices and written requests to provide letter of testamentary. In the meantime, several cash offers have been made on the property, after 2 1/2 years of no offers, and the bank has still not responded as to their intention. I am now receiving monthly past due notices and no one from the bank has contact either myself or my lawyer.

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: IL

Complaint narrative:
Hello, I have signed up for a Citibank promotion to recieve XXXX XXXX miles for opening a Citigold account and fulfill their requirements. After doing so and receiving confirmation twice from Citibank, they refused to honor their promotion and I have not received my promotional miles. This is false advertising and dishonorable practice to the consumer who legally fulfilled everything they asked. I have documentation of everything.

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 2016-06-08 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 applied for a citigold checking account in XXXX with a XXXX XXXX XXXX miles promotion. I have sent several emails to get these miles posted within XXXX months ( XXXX XXXX ). Now it has been over a month since the miles should have been posted to the account. Citi is still taking out a {$30.00} fee every month for maintenance which I would like back as there has been no " service or maintenance '' provided other than secure messages telling me to wait longer. Attached are several XXXX screen shots.

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 2016-05-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened a XXXX checking account based on an offer indicating that I would get XXXX thank you points ( apx XXXX dollar value ) upon meeting requirements. I met the requirements and confirmed XXXX separate times that I had the offer attached to my account and that I had met the requirements. 

After waiting nearly 4 months ( and paying fees ), I was told that I would not get the points because I was not targeted. This is ridiculous as I entered the promo code when creating account and confirmed with representatives that it was attached to 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 non-monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi AAdvantage Mastercard XXXX 1. On XXXX/XXXX/XXXX, Received email from XXXXXXXXXXXX offering a 1.99 % interest rate on new purchases until XXXX/XXXX/XXXX. 
2. Within a week of receiving that email, I clicked on the " enroll today '' button in the email, logged in, accepted offer, and the web site said that I was now enrolled. 
3. Full interest was charged in the XXXX cycle ( 22.24 % ). 
4. XXXX/XXXX/XXXX, called customer service, talked to manager " XXXX in florida ''. She said that they have no record of me even being offered that offer, and that instead, I was already enrolled in a promo that ended in XXXX, that I supposedly enrolled in in XXXX. I told her that I did not enroll in anything in XXXX, and that I only enrolled in the XXXX offer. She asked me to fax the emailed offer to her, and that they would get back to me in 1-2 days. 
5. I faxed a printout of the emailed offer to citicards at the number that XXXX gave me, XXXX, with a complete history of the issue, and with a request to call me ASAP, since I was accumulating daily interest charges that I did n't intend. The receiving fax machine ID 'd itself as " Citicards ''. 
6. XXXX/XXXX/XXXX I called customer service to confirm that they had received the fax and to ask what the status was. They said that they had no record of getting my fax. They said that XXXX was gone for the day and that they would email her. They asked me to re-fax. 
7. XXXX/XXXX/XXXX XXXX pacific, I re-faxed the original fax, and the " fax sent '' confirmation from my first fax.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received my credit card statement with notice that 18.9 % rate is going up to 24.9 % XXXX/XXXX/16. If I do not agree to they will close the credit card which will impact my credit rating. It was done for spite because I filed complaints with your organization.

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 2016-07-01 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I signed up for a balance transfer with Citi a few months ago. I am fully willing and able to make all monthly minimum payments. I did not set up alerts to remind me of the due date for monthly payments - usually companies will send an e-mail or call to remind you that a payment is coming due. The first time I received any form of reminder to pay my monthly minimum on this new balance transfer was from a debt collector. I paid immediately, but noticed a {$27.00} late fee assessed to my account. Citi has been unwilling to waive the late fee, pointing to the terms of my contract. I explained that I understand the contract, but am seeking a goodwill credit because I did not receive any reminders to pay my monthly minimum on this new transfer ( i.e., it was not part of my monthly bill-pay routine, so it is understandable that I forgot about the new account ). I also set up autopay so as to ensure all future payments will be automatically debited. The reason I am contacting CFPB ( and NYAG ) is because I find it to be unreasonable for a corporation like Citi to not remind a customer of an impending deadline to pay their monthly minimum. It seems obvious to me that Citi was more interested in collecting the late fee than they were in receiving the monthly minimum. Please let me know if there is anything you think we can do. 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 monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Costco went from XXXX XXXX to Citi Card. {$3000.00} has not been credited to my account. 
I have spoken to XXXX people @ Citi Card and no one can help me. XXXX XXXX will not take my calls. 
Costco is not taking responsibility. I have all my AM XXXX statements and ALL payment information. I need some 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 2017-01-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I was contacted by Fidelity Creditor Services in the week of XX/XX/XXXX about a debt from XX/XX/2013 from XXXX, the amount is {$520.00} and I have XXXX never got a mail or letter or anything from XXXX before. Fidelity Creditor Services has reported the debt to my credit without obtaining verification or validation and they are trying to collect the money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
I just received my credit card statement with a {$380.00} Interest charge on my statement. My statement balance previous statement was {$530.00}. My statement has been as high as {$1000.00} approximately and have been paying down since I got it that high. They told me that I made a purchase 2 years ago that I agreed for no interest however been paying interest all along and not sure my payments actually paid down the zero percent side as it should. They then told me they would waive the interest charge if I paid the entire credit card balance off, extorsion!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I began a loan modification with Citi Mortgage XX/XX/XXXX. I was assigned a " personal point of contact '', XXXX XXXX. He initially informed me that he would be my sole point of contact and would be touching base with me to update the process every week. This did not happen. On multiple occasions I was asked to send documents that I had previously sent. After complying with 2nd and 3rd requests, my loan fell out of underwriting and went on to XXXX ( the attorney office handling foreclosures for Citi ). After multiple attempts to question the status of my loan, I continued to receive emails requesting, again, documents that had either already been sent, or new documents. Now my loan is scheduled to be sold on XX/XX/XXXX. I have attempted to contact supervisors, etc., to no avail. This entire situation has caused XXXX, sickness, and issues with my children, of which XXXX of my children have XXXX and XXXX. This is just a nutshell, but it appears that a consent order has been entered into Federal Court to protect against this EXACT issue and issues with the incompetence of Citi Mortgage. I feel that I have complied to the T will every request of Citi Mortgage and now am receiving no answers as to what is going on with my loan. I never received an NOII letter ( Notice of Incomplete Information. I was initially told that even if the loan modification was denied, there would be an appeal process. I was NEVER told that the loan was kicked out of underwriting due to anything, much less because a document that I had already sent months ago, was the reason. Furthermore, there was ZERO correspondence, either by mail, email, or phone call, that it had moved into foreclosure. Imagine my astonishment. Again, this all has literally made me XXXX sick! I will attach all pertinent documentation.

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: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
The XXXX XXXX " divorce '' from XXXX and changeover to a Citi Visa card was badly botched. When I went to XXXX to complain there were hundreds of people in front of me. I paid my XXXX card in full on XXXX XXXX but when XXXX switched the account to Citi they did not include my payment. Citi told me to stop payment on my check, which I did. Then I paid the full amount to Citi ( check has cleared ). Now Citi claims I owe them $ XXXX in interest charges. I explained what happened but they are unwilling to help. The manager at XXXX has been understanding and helpful but the issue is still not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I purchased merchandise on XXXX different occasions at Best Buy at zero percent interest. These have XXXX different expiring dates. I have made monthly payments that were sufficient to pay these off before the expiration dates but the payment was only applied to XXXX of the balances and now that XXXX of the zero interest periods has expired there is still a balance and they have charged interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Got screwed by Citibank on the {$400.00} bonus Checking account promotion. It was been almost 5 months since I opened the promotional account but I 've not received my {$400.00} bonus. I have contacted them many times and even though they insisted multiple times on the phone that i was eligible for the bonus and had met all the terms/requirements. The one supervisor I spoke to told me it was be credited on XX/XX/2017 but now it 's XX/XX/XXXX and I still have n't see the bonus credited. They filed an investigation/dispute on my case to research on why I did n't get the promotional bonus. Why would they need to file a investigation/dispute for a promotional bonus? Very nonsense!! I called again yesterday and the Rep told me there was a letter mailed out to me saying I did not qualify for the promo which was ridiculous. Every time I called, they tell me different thing. Very inconsistent. They are not promising what they promoted which felt like a scam to me. I will be closing my account this week. I 'm not going to waste anymore of my time arguing with them back and forth. This was my first time opening an account with Citibank and would definitely be the last time.

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