vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AE

Complaint narrative:
I was provided an offer to earn XXXX bonus AAdvantage miles if I signed up for a citigold checking account and met certain requirements within 60 days. I confirmed with Citibank in writing that I qualified for this offer and I was ensured that I indeed was qualified and enrolled in this offer. 

I confirmed I was enrolled and qualified for this offer on XXXX separate occasions in writing. When I eventually met the requirements for the promotional offer, I was informed that I had met all requirements and I had to wait 90 days for the AAdvantage miles to arrive and that I would incur a {$30.00} monthly maintenance charge on this account. After 120 days I had still not received these miles promised by consumer representative. In conclusion, Citibank provided a promotional offer that required waiting several months while incurring banking fees before AAdvantage miles could be awarded. Then, once the promotional requirements were met, the consumer representatives promised AAdvantage miles would be arriving in 90 days. After 90 days, I was told I wo n't get this miles even though I was told at several times I would.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a credit card with Citibank. I made some charges at XXXX XXXX, and they were declined due to fraud alerts. I called Citibank and they said the issue was resolved and that I could re-do the charges and they would not be declined. I made the charges again, and again they were declined. I called back and stayed on the line with a representative while she removed the fraud alerts and said I could make the charges again. I made the charges again while on the line with the representative and was told they were fine and had gone through and would not be declined due to fraud detection problems again. The same charges were again declined the next day for reasons of fraud alert. By then, I was in XXXX and had to call from abroad to resolve the same problem for a third time. The representative I spoke to, XXXX XXXX id XXXX ) told me she agreed that I had been misled by the previous representative and that I had been told the issues had been resolved when they had not. I told her that I was now incurring international charges to resolve the problem and had to pay for expedited shipping in order to get the purchases in time for my trip here. I told they I felt they owed me reimbursement for the money I was spending to speak to them to resolve the issue, as I had tried to do so previously and had been told by a Citi representative that the issue was resolved and that the charges could be made and would not be declined, when in fact this was untrue. They declined to address the costs they had caused me in any way. I feel Citi should take some responsibility for the time and cost I incurred in fixing a problem that occurred on their end, caused by their representative telling me that she had fixed the fraud alerts on the account and that I could make the charges without any further interference from the fraud detection system when in fact this was not the case.

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 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.

Complaint narrative:
For more than six years, I have had a Citibank account. Roughly once a month, I do a wire transfer from the Citi account to my XXXX bank account ( XXXX ), because I work in XXXX for an American company. I long ago set up a wire-transfer model/template on Citi 's website so I do n't have to constantly reenter the beneficiary bank information, which never changes. This process had worked seamlessly dozens, perhaps hundreds, of times. Then, on XXXX XXXX, 2016, I executed a wire transfer for {$10000.00}. ( Based on an exchange rate of about {$1.00} per pound, this would have converted into approximately XXXX XXXX. ) A week later, the money had n't arrived in my XXXX account. So I called Citi. They confirmed that the wire had been properly executed and said they 'd look into why I had n't received the money yet. They said that, upon resolution, if there turned out to have been a mistake, I had the choice of either having the {$10000.00} reinstated into my Citi account or having the equivalent in pounds transferred to the beneficiary account. By then I had arranged for an alternate source of money to be transferred to my XXXX account, so I told Citi that I would like to have the {$10000.00} returned. A few days later, around XXXX XXXX, having heard nothing from Citi, I called back. This time, they suggested that I amend my XXXX XXXX wire transfer to include an XXXX number. ( I 'd never included this before, because Citi 's template only requested a sort code, account number, and bank mailing address, and the process had always worked smoothly. ) I provided the XXXX over the phone and was told the transfer would now be executed. 

Two weeks later ( and four weeks after my original wire transfer ), on XXXX XXXX, I received notification from Citi that the transfer had been unsuccessful and they could either resubmit it again or refund the money. The catch was that the money had already been converted into pounds and, because of the steep devaluation of the XXXX due to XXXX, Citi would only refund {$9200.00} to my account. In other words, I would be stuck with a loss of roughly {$800.00}. A string of supervisors at Citi refused to budge, saying I had no other options. 

I still do not know what caused the wire transfer to not reach its intended destination, but I do know that it was not my fault. I used the same information for the beneficiary account that I have used dozens of times in the past, and ( since it is my own personal account ) I know that the information was and remains correct. It seems grossly unfair for me to suffer a huge loss due to someone else 's mistake. 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 explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened checking account with Citibank minimum balance of {$15000.00}. This was in XXXX of XXXX. I opened the account due to a promotion of {$400.00} for opening account with {$15000.00}. I was told I would receive bonus in XXXX of XXXX. My opening balance was specifically chosen to meet this promotion. 

I called multiple times to confirm this and spoke to MSUP XXXX in fall of XXXX. As of XX/XX/XXXX, I have still not received the bonus. I received note that the required balance is now {$25000.00}. This was after multiple phone calls. I think Citibank is engaging in fraud and scamming consumers to open accounts and then never giving 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 monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received an alert XX/XX/XXXX from XXXX concerning a credit card account having a bad payment billing report on it, showing 4 missed payments.. I knew this account had to be a recent added account on my report because I would have been notified sooner, The account is showing 4 missed payments, and the account was closed by credit grantor XX/XX/2016..I contacted Best Buy to informed them that I have never open an account with them, and I have never authorizes anyone to use me in applying for any type of credit, they could not locate me in there system using my SSN, Full Name, or by any phone numbers I provided. I could not provide a account number because it 's not listed on XXXX credit Report. Best Buy said there was nothing they could do for me since they could n't locate me in there system, even though they placed it on my credit report.and I clearly stated to XXXX who is a supervisor, this is identity theft fraud, but she again stated there was nothing she could do since she could not locate me in there system ... I contacted best buy on XXXX/XXXX/2016 and again on XX/XX/2016..spoke with XXXX at XXXX .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 non-monetary relief
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I purchased a XXXX TV ( {$890.00} ), TV stand ( {$170.00} ) and wireless adapter ( {$58.00} ) from Best Buy XX/XX/XXXX and the purchase, totaling {$1200.00}, was considered a " same as cash plan '' with no interest financing for 36 months. I made regular, timely payments every month to Best Buy ( normally exceeding the " mininum balance due '' reflected on the statement ) and on my XX/XX/XXXX statement showed a previous balance of {$1300.00}, a {$200.00} payment, and interest charges of {$1200.00} ( 96 % of the original purchase amount ). I have been a loyal Best Buy customer for decades and have utilized their " no interest '' offers on many occasions, being charged interest at the end of the program period only on the UNPAID balance - in this case {$380.00} - not being charged accrued interest on the entire amount for the entire program period. I was informed this was due to the Best Buy 's change to Citibank MasterCard as their financing servicer. As I never ACTIVATED my Best Buy Citibank XXXX ( I still have the original credit card received with the activation sticker on the front ) and was not informed of the change in the financing terms, I would request CFPB advocate on my behalf with Citibank to adjust the interest charge to only the UNPAID balance. 
I sincerely appreciate any help or guidance your organization is able to provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
citi card was charging me a phone payment besides the auto pay every month with out my authorization. I had no knowledge of the phone payment. When I contacted them they did not provide a clear response to the issue.

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 2017-02-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank ( CBNA ) performed an unauthorized hard credit pull on my credit report which affected it XXXX points. I did not authorize this nor did I report a credit line increase ( even if I did, they have told me on the phone it would be a soft pull ).

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 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I signed up for a Citi checking bank account. 
There was a promotional offer advertised on their website. I fulfilled my obligations and met the requirements for me to earn the { {$400.00} } bonus. I waited the required time frame of XXXX days and Citi has failed to honor the bonus offer. 
My request is for Citi Bank to honor the bonus by paying me my { {$400.00} }

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 2015-10-29 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Recevied a response letter back from XXXX and XXXX credit department on XX/XX/XXXX. They did not address the iusse and they did not answer my question. Now it look like to me they are giving me the run around. On the XXXX first declined letters from XXXX XXXX and XXXX 's specifially states the following reasons were too many public records and they specifially pull my XXXX credit report. I am very aware what is in my credit report files. I ask a specify question ( what is consider too many items on ones public records credit report ) .I fine it odd that when I question XXXX and XXXX credit desesion I am getting the run around. The letter I received from XXXX XXXX and XXXX 's executive office found now states I was declined because of a bankruptcy file XX/XX/XXXX. After I question their first credit decision and asking a specify question which they never answer. On all XXXX declined letters they did not state anything about a bankruptcy on any of the letters. Now, I have a second question ( why XXXX and XXXX refusing to asnwer my first question ). I pointed out and I ask a question about their discriminate credit decision so they just send me letter avoiding the iusse by fining something else different. Yes, it make me feel I have been discriminate against due to where I reside like I stated in my first comlaints.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, 2016, I went to my local Best Buy store to make a payment on my Best Buy Visa Gold account. I was advised at that time that my card had been closed out and they could not take a payment from me. I then contacted Best Buy by phone and paid off my account in the amount of {$300.00}, leaving a zero balance. 
On XXXX XXXX, 2016, I received an email from XXXX XXXX stating that my account was 30 ( thirty ) days past due. I then contacted Best Buy to attempt to straighten out my account and make sure this did not reflect badly on my credit. 
On Monday, XXXX XXXX, 2016, in response to my phone call, I received a letter from Best Buy Credit Service stating that they are unable to change the information reported to the credit agencies about my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Paid my payment on time and it was XXXX shorts. Instead of calling me to give me a chance to pay the missed XXXX dollars they hit me with a XXXX late fee. So my payment was XXXX, I paid XXXX 10 days early and since it was XXXX short they hit me with a XXXX late fee then a XXXX finance charge. 
I called them and asked them if I could pay the extra XXXX dollars and them reverse the fee and they said NO. I asked why no one called me to explain that I still owed XXXX and the lady could n't answer.

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 2016-07-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Bank credit card dispute department reversed a conditional credit TWICE by mistake. I called at least 5 times and spoke to different Citi customer service reps, but nobody had made any corrections. 

Original purchase date : XXXX/XXXX/16. Merchant : XXXX 
I returned the item in XXXX, but merchant did not issue credit in a timely manner. I called Citi master card and citi master card gave a conditional credit on XXXX/XXXX/16. 

The merchant subsequently gave a credit on XXXX/XXXX/16. 

Then Citi reversed the conditional credit TWICE on XXXX/XXXX/16 ( posted to XXXX/XXXX/16 ) thus caused me out of money for {$50.00}. 
I called on XXXX/XXXX/16 and spoke to Citi service rep XXXX ( ID # Sdk XXXX ) and XXXX understood the issue but she was NOT able to find anyone from dispute team to make correction. 

On XXXX/XXXX/16, I talked with dispute team member XXXX online, XXXX also understood the issue and apologized for Citi 's mistake, but he had limited access thus he was also not able to submit a credit. 

On XXXX/XXXX/16, I called dispute team and spoke to dispute team manager XXXX, XXXX also admitted it is Citi master card 's mistake in taking away the {$50.00} conditional credit twice on XXXX/XXXX/16. However, XXXX also told me she had no authority to give a credit, and she had to forward this issue to Citi investigation team to handle. 

I spent 40 minutes to speak to each Citi customer service rep and chatted online at least 4 times but I had been transferred from agent to agent as if they are kicking me as ball, all agents admit Citi 's mistake but nobody is able to make a correction of the error. I need this issue to be addressed immediately!!!

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 2016-06-17 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 signed-up for a citigold XXXX XXXX promo, met the terms, and yet was not awarded the miles because, after the fact, I was told by citi that I am ineligible because I did n't receive a targeted offer. Correct, I did not get a targeted mail offer but I did confirm with citi that I was going to get the promo miles when talking to them during the opening of the account and during the qualifying period. I believe that the promo code was XXXX. Now when I follow-up via chat and on the phone their stock answer was that I had to have been targeted so I 'm not going to get the miles. I 've been getting charged a $ XXXXmonth fee to keep the account open while I 've been waiting to get my promo miles provided.

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 2016-11-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a XXXX Form XXXX from Department Stores National Bank, XXXX XXXX, SD for default on a Macy 's Credit Card. I sent a letter on XX/XX/XXXX asking for a corrected XXXX showing this was cancelled ( copy attached ). I have never had a Macy 's Credit Card. On XX/XX/XXXX, I received a letter from the IRS ( copy attached ) and subsequently sent a letter to the Payer 's Name listed in the IRS letter asking for a corrected XXXX. The letter was returned undelivered. The IRS is billing me f for taxes on this bad debt which does not belong to me. 
I want a cancelled XXXX clearing me of this debt that I do not owe along with a copy of the credit application showing where, when and by whom an account was opened in my name.

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 2016-01-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
( 1 ) I attempted to transfer funds from Citibank in XXXX to XXXX XXXX XXXX in XXXX on XXXX XXXX, 2016. I did so online, and I was assured in that online transaction that the funds would arrive on XXXX XXXX, using the XXXX feature. The aim was to replenish the Hawaii account before an overdraft. ( 2 ) Subsequently, Citibank neither sent email nor telephoned about the attempt. ( 3 ) I received mail from the Hawaii bank dated XXXX XXXX, I learned that the deposit had not occurred. ( 4 ) I then went online to access the history of my account, discovering that the transfer was classified as " Cancelled. '' ( 5 ) I went online again on XXXX XXXX to make the same transfer, and was again assured that the amount would be transferred, this time by XXXX XXXX. ( 6 ) I telephoned Citibank to ask why and I was informed that I had not provided a verification code required to complete either transfer. ( 6 ) While still on the telephone, Citibank then walked me through a process to obtain a verification code for the XXXX XXXX transaction, but to obtain the code I was instructed to hang up, get the code, and enter the code on the website. ( 7 ) I hung up and found three messages saved on my telephone. When I listened to them, they all said that I would have to tap the 1 button on my telephone for the code. In all three cases, pressing the 1 button yielded nothing but a message to tap the 1 button. 
My complaint is ( a ) that while using XXXX, there was no requirement on the website to get a verification code as part of the process, ( b ) there was no Citibank notification, either by email, telephone, or online that the transaction was being held up for lack of a verification code, ( c ) that no verification code was even sent when I tried, ( d ) my XXXX account was not replenished, so I have been billed by that bank {$30.00} for the overdraft fee and {$3.00} daily ever since. 
Remedy : Citibank must pay the expenses incurred for failing to provide adequate information about how to make the transfer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I keep getting monthly statements that say the amount due is {$2000.00} every month. I modified my loan and have not missed a payment thereafter. My payments are {$360.00} per month. I call into customer service and the automated system tells me the amount due is {$360.00}. BUT I still receive monthly statements every month that say I owe {$2000.00} which is very unsettling, nerve racking, and intimidating. I am being harassed by these monthly statements that say the amount due is {$2000.00} every month. I am never able to talk to a live person because it takes so long to get through and they are only available during regular business hours.

Company response to consumer: Closed with explanation