vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Costco Citi Bank Card. On XXXX XXXX I made a payment of {$260.00} Which Citi Bank Cashed. It never appeared on my account. After several calls I went to my local bank, XXXX and they sent a fax with the check tracking no. and the date the check was posted. They still would not credit 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 monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I had a Best Buy card from XX/XX/XXXX, that was owned by XXXX XXXX with debt protection at the time, always paid it no problem, until XX/XX/XXXX, when I had a back injury and started receiving XXXX and filed the debt insurance claim. No problems, Best Buy accepted my claim. Now Best Buy sold their card to Citi Bank and I am being sued for the amount by XXXX XXXX, I guess owned by Citi Bank. Obviously an oversight on someone 's behalf, not mine. I paid the debt insurance filed the claim, and now am being sued. 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 2017-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Citibank offered me a {$400.00} bonus to open a checking account. After doing some research I realized that Citi has been frequently failing to honor their bonuses, so I contacted customer service ( via secure online message ) after opening the account to ensure that I met all of the requirements to receive the bonus and also to inquire as to when the funds would be credited to my account. I have attached this letter confirming that I would recieve the bonus as supporting documentation. On XXXX/XXXX/2017, I contacted Citi via online chat for the second time regarding the funds as this was the date they said the {$400.00} would be credited to my account. The representative again confirmed I would receive the bonus, but said to wait another day for funds to appear. I initiated contact for the third time on XXXX/XXXX/2017 via phone. I have included specific details about this conversation as supporting material. The representative during this conversation stated she spoke with a supervisor and that the bonus would be credited by the end of the statement cycle around XXXX/XXXX/2017. I received that statement, but no bonus has been credited. Finally, I contacted Citi again on XXXX/XXXX/2017 via online chat to ask why they are withholding the bonus. I will include this screenshot as documentation. The representative told me that there was an email sent to me regarding the bonus, but I have never received any sort of communication from them ( mail or email ) regarding my attempts to collect the bonus. I feel that they have been extremely deceitful in dealing with my account given that I met all conditions of the offer as confirmed by XXXX of their representatives and was told I would receive payment nearly a month ago. These business practices are unprofessional, misleading, and unwarranted. I have heard that they have been doing this to many customers and I believe they should be reprimanded for it given that they are offering a bonus and not fulfilling their end of the agreement as stated. I hope some action can be taken and I am thankful that this resource is available.

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: Balance transfer — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I signed up for a citi simplicity card, was approved, and requested a balance transfer from my XXXX XXXX private student XXXX loan for {$3100.00} on XXXX, 2016. It was shown as approved by Citibank on XXXX XXXX, 2016. However, it was not reflected on my XXXX XXXX Account. I called citi multiple times and reached out online beginning XXXX XXXX to dispute the charge and have not heard back regarding the resolution. I am currently paying double since I have the balance transfer to citi as well as the XXXX XXXX loan. I tried signing up for this to avoid paying a 12.75 % interest rate and instead I am still paying that PLUS paying down a balance transfer -citi has doubled my debt and has not resolved my issue. They also promised a call back from a manager during business days, but instead called on a Sunday left no message and sent an email saying " they tried multiple times to reach me with no response. '' this is causing me financial hardships as i try to juggle these bills and pay for childcare for my son along with additional federal student loan payments that I continue to make monthly. the customer service at citi is atrocious, i ca n't get a straight answer, and I 've been disputing this charge since XXXX XXXX which puts me at XXXX XXXX with no resolution. I am now out XXXX ( inclusive of the balance transfer fee they 've charged me ) and I 'm paying this amount to citi for a balance transfer they never fulfilled.

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 2015-11-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
When on XXXX XXXX I repeatedly tried to submit an online dispute on Citi 's Searscard website, it kept deleting the information XXXX TIMES. The seventh time it SEEMINGLY accepted my complaint. But, SearsCard has not recorded the complaint on my account, nor responded to me. Again, earlier today, I tried to resubmit my dispute, but XXXX times the bank 's website deleted my information. On the fifth try, it SEEMINGLY accepted it. But, still nothing shows up on my account. nor has the Bank acknowledged my dispute. I suspect that Cit SearsCard intentionally sets its software to reject disputes for a certain percentage of accounts. My dispute is " '' Missing XXXX items ( coffee mugs ) listed in the description ... .Basket has sharp edges.The merchant admitted that the shipment did not include the missing items. The merchant blames the mistake on its supplier in XXXX. The merchant keeps lying over each of the past four days, saying that a new shipment was sent, then saying that it was not sent, then saying that the XXXX supplier would contact me, then telling me to contact the XXXX supplier - I have no idea who the hell is the merchant 's supplier. The merchant promised to issue a full refund. Now, it wont. This is big FRAUD by SEARS. ". But, being blocked and or ignored by the bank, my dispute is not handled by the Bank. This is against the public interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
They repeatedly call my home phone every 1-2 hours after I have already spoken to them on the phone about the account. This morning they called at XXXX. They have violated more than one issue. Besides the constant calling and the call before XXXX, they have threated legal action and called relatives about the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank put through an unauthorized charge on my account six months after I have dealings with a merchant on another matter. They have refused to provide any documentation regarding authorization of the charge. Meaning, they say they have no documentation and tney say the merchant has no documention, and they neither they nor the merchant are required to provide any documentation. The only documentation they have is documented correspondence from me and phone calls that they charge was fraudulent and not authorized and not paid for six months. They do n't know who decided to pay them but they said it does n't make a difference. They do n't have to do anything or supply me with any copies of anything authorizing the payment. They are very sweet and apologetic and said they will correct it. But the the office of the president got involved and said they do n't have to do anything. It 's been back and forth and back and forth, and in almost a year now they have nothing other than my instruction not to pay anything to the merchant because the bills had already been paid by another credit card.

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 2015-05-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I have a private XXXX loan through Citibank. They are threatening to send my account to a collections agency, even though I am enrolled in school.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Dear CFPB & Department Stores National Bank : I am writing to inform you of unfair billing and debt collection practices. As a result of these practices, to dispute all interest owed and late charges owed on the account, and corrections of any late reporting. 

Background : Sometime last year, Macy 's changed credit card providers. They sent me a new credit card issued by DEPARTYMENT STORES NATIONAL BANK, pursuant to a license from XXXX XXXX. I started receiving collection calls from " Citi '' in XXXX XXXX, and twice requested statements. The first statement I received was backdated statements from XXXX XXXX though XXXX XXXX, and postmarked XXXX XXXX, XXXX. 

Purchases Made : At the time of the new credit card being issued, I had no purchases on the account. I did make XXXX purchases on the account, both at Macy 's ( XXXX XXXX and XXXX XXXX ). 

E-SIGN Consent Not Provided : As I did not activate the credit card, it is not apparent that I provided consent to receive electronic statements. Nor have they been able to provide me this electronic consent. They consistently ask me to go into Macy 's account to activate and receive the disclosures. They have stated that they are provided to my email address, however they are not able to disclose the email address that they are provided to. I have not received any electronic disclosures. 

TILA Billing Statement Not Received Timely : A billing statement was not received, either electronically or in paper format. I requested these statements twice in XXXX, and received by me on XXXX XXXX, XXXX. Without the billing statement, I was not able to pay or dispute any amount owed. 

Fair Debt Collection Action - Unfair Collection Practices : A company started calling on behalf of Macy 's beginning in XXXX XXXX. I spoke to them in early XXXX, and in XXXX. Both times I requested a copy of the statements. They introduced themselves as " Macy 's '', " your XXXX XXXX XXXX '' or " Citi ''. The phone number they call from varies, and they call at all hours and multiple times a day. They call as early as XXXX PST and as late as XXXX PST, 7 days a week, up to five times daily. I repeatedly ask for a copy of the statement. 

My credit score as of XXXX XXXX was XXXX. I work hard at paying my balances in full monthly, or more than the amount required. As a result of no billing statement being received, no apparent E-Sign Consent provided, and unfair collection practices, I am requesting the following : Remove all interest and late charges from the account. 
Remove any delinquent reporting with the credit reporting bureaus in accordance with the requirements of the Fair Credit Reporting Act. 
Close my Macy 's 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 monetary relief
Consumer complaint received 2016-08-24 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 opened up a CitiGold checking account back in XXXX XXXX using a promotion that would give me XXXX XXXX XXXX miles once I 've made XXXX bill pays and {$1000.00} in purchases on my debit card. I completed the requirements and had n't seen my points post yet. I submitted a secure message around XXXX XXXX and the rep confirmed that I would see the miles posting within 60 days. It has been over 4 months and I still have not received my miles.

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 2015-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i filled a dispute with Citibank regarding a purchase of {$66.00}. This was not authorized by me and I have told this to Citibank numerous times. This charge was during a trip to XXXX and the hotel charged me the {$66.00} for something I did not authorize. Citibank has refused to credit back the account saying that the hotel provided receipts. These receipts were all in XXXX and XXXX currency, I did not see why the charge for {$66.00} was on my account. Citibank denied my claim. This is unfair because I was not responsible for this transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Fraudulent charges caused by Citibank add on features. Impact of fraudulent charges affect balance, including interest and late charges. Account stated would have to be corrected for each month add on charges occurred. 

XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a Best Buy credit card for many years. It now goes through CitiBank. I charge about {$3000.00} per month on this card and pay off the entire balance each month. The rewards program for the card promises 1 % or more in Best Buy rewards. Beginning in XX/XX/2016 I have not received any rewards for these outside purchases. I have reported the problem to Best Buy on XXXX occasions beginning on XX/XX/2016. In each instance customer service tells me the problem with be resolved within XXXX business days, but this never happens.

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 2016-05-06 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Cards issued me a Citi XXXX Credit card. 
Citi had problems shipping me a credit card which delayed may aces to a card for 3 weeks after i was confirmed as being approved for the XXXX Credit Card. 

Per XXXX credit card I was going to charge on XXXX XXXX for XXXX {$250.00} purchase and be reimbursed {$250.00}. In addition Citi Manger XXXX, XXXX, notified me I was also eligible for the {$250.00} XXXX XXXX charge. 

Citi has NOW REFUSED to me credit for XXXX and XXXX. Citi recognized due to misinformed agents and late delivery of card I was prevented on making the initial {$250.00} in XXXX XXXX so XXXX, Kentucky Manager at Citi cards, authorized a {$250.00} credit in XXXX. 

Now Citi has CHANGEd the credits and REMOVED my {$250.00} credit for XXXX which had XXXX {$250.00} credit. 

Citi refuses to respond to this dispute and XXXX, Kentucky Manager will not call me back in 2 months! 

Citi is unprofessional and unethical to make promises to me and not reimburse my account as promised.

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 2015-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Solidus Group LLC.
State: UT

Complaint narrative:
My sister received a phone call today saying I was going to be served with papers. I have not received anything in the mail, or any phone calls. She asked if she could sign, and was told no ... but that someone would be to the house in XXXX hours. I tired to call, and it went straight to voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I did not receive the promised XXXX ThankYou points for opening a Basic checking account and satisfied the requirement.

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 2015-07-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
AFTER XXXX YEARS I HAVE JUST NOW BEEN MADE AWARE OF A DEBT BY CITIBANK I DID NOT KNOW OF. BACK IN XX/XX/XXXX, XXXX I HAD A FRAUD ALERT PLACED DUE TO MY EX TAKING MY DRIVERS LICENSE AND SOCIAL SECURITY CARD. I 'M IN THE PROCESS OF REFINANCING MY HOME AND FOUND OUT BY LOAN PROCESSOR OF JUDGEMENT ON TITLE OF HOME. I WAS NEVER NOTIFIED OF ANY COURT PROCEDING ' JUDGEMENT AND DID N'T EVEN HAVE A CHANCE TO FIGHT IT. FROM XX/XX/XXXX TO XXXX I DID NOT LIVE AT THE HOME. PLUS I HAD BEEN XXXX IN XX/XX/XXXX AND AT THAT TIME LIVED WITH MY MOTHER. PLUS I FOUND AN OLD CREDIT REPORT OF MINE DATED XXXX OR XX/XX/XXXX AND THIS SAME ACCOUNT FROM CITIBANKXXXX HAD BEEN CHARGED OFF AND WRITTEN OFF FOR THE AMOUNT OF XXXX I DO N'T UNDERSTAND WHY XXXX MONTHS LATER THEY WOULD PLACE A JUDGEMENT ON SAID PROPERTY TITLE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
A promotion for home improvement services regarding deferred interest was promised for 24 months however the credit card company only entered 12 months into its system. Once the credit card company was made aware, I was informed it would take a minimum of 60 days to correct the issue, during which time the monthly payment increased by approximately {$600.00} and there was no guarantee that there would be no interest collected during the 60 day correction period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-25 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Re : Citi Prepaid I had switched cell phone carriers from XXXX XXXX XXXX to XXXX with one of their promotions of being awarded a {$350.00} pre-paid card upon switching and maintaining an account with XXXX. As of today 's date my account has remained with XXXX, and I have not received the said prepaid reward card. 
After speaking with a representative from a local XXXX store, they provided a number to call to inquire about the missing card, which led to another phone number to a representative from Citi-Prepaid. After completing the identity verification questions the representative confirmed that I had met the conditions to receive the prepaid Visa card, and that a Visa prepaid card in the amount of {$350.00} was issued XXXX XXXX, expired XXXX XXXX and that the card was never activated or used. I advised the representative that I did not activate the card due to I had not received the card that was sent. I asked if a new card could be issued and I was advised that due to the card being expired, he is unable to reissue a new card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am filing a complaint regarding an International Bank Wire Transfer. 
On XX/XX/2016, I directed my bank ( Citibank ) to Wire Funds to a colleague in XXXX. The funds were not deposited into the account identified in my bank wire instructions. I notified my bank of the missing funds within 72 hours and they have attempted to contact the recipient 's bank ( XXXX ) thru the XXXX system for information on the disposition of the funds. 
XXXX has failed/refused to respond.

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 2016-08-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX/XXXX/2016 I checked my Citi online account. At that time the system indicated that I could receive a credit limit increase with a SOFT pull of my credit report. I completed the process and was instantly granted an increase. 

On XXXX/XXXX/2016 Citi did a HARD pull of my XXXX credit report. I was notified of this 2 days later by a credit monitoring product. On XXXX/XXXX/2016 I contacted Citi to find out why they 'd pulled my credit. Due to the time delay between the CLI and the hard pull I 'm concerned about a fraudulent account being opened in my name and was told they could not help me. I also asked about having the hard pull investigated and removed and I was told that no one could speak to me or help me on that matter. 

Either a fraudulent account has been opened in my name or Citi was deceptive in its process.

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