vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-11 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 opened a checking account with Citi because they were offering XXXX XXXX XXXX miles for signing up. In order to earn the miles, I had to pay bills through the account and spend at least {$1000.00} on their debit card. I did these things to earn the miles. Citi assured me I would get them with my XX/XX/XXXX statement. This has not happened and now they are saying it 's being looked into, but are n't providing any resolution. All the while, they have been charging {$30.00} per month for this 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 2016-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I want to send a serious complain about the terrible & not trust worthy practice Citibank is doing for their CitiGold checking account. I got invitation to open a CitiGold Checking account to open a CitiGold checking account for a XXXX XXXX XXXX miles promotion by meeting couple usage requirements, I got confirmation on XXXX/XXXX/16 ( see below ) that I met the CitiGold XXXX bonus miles promotion and meet the usage requirement and I will get my XXXX XXXX miles before XXXX/XXXX/16. 

I never got a bonus XXXX miles till today XXXX/XXXX/16 and I heard so many terrible complaints through XXXX search that Citi XXXX up and will not honor their XXXX bonus miles promise. 

I am request CFPB to step in to help me to resolve this False Citigold Checking promotion and get my XXXX miles credit ASAP. 

Thanks so much to protect consumer like me XXXX XXXX XXXX Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX XXXX XXXX Date : XX/XX/2016 Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Thank you for choosing Citigold Online Messaging Services. My name is XXXX and I will be more than happy to assist you with the XXXX XXXX miles promotion for checking account ending in XXXX. 

Our records confirm you met all requirements for promotion code XXXX. 

The XXXX bonus miles will be credited by Citibank to your XXXX account XXXX within 90 calendar days from the date when you completed all offer requirements. Please keep in mind this waiting period is standard for all promotions and can not be waived. After your 90 day waiting period is complete or by XXXX/XXXX/16, the bonus miles will be applied at the end of the next statement billing cycle, which will be no later than the end of the XXXX 2016 statement. 

Please note, all promotions will differ and are targeted to specific account holders during specific time frames. If you did not receive this promotion via your Citi credit card statement, personal email, or through U.S mail to your home address you will not qualify for this promotion. 

XXXX XXXX, it was my pleasure providing the incentive information. I hope you have a great rest of the week! 

At Citibank, we take customer satisfaction seriously, and invite you to share your opinions about the service you received from me, XXXX XXXX. Please click the link below to take a short survey on your contact experience. You will need the reference number # XXXX listed above to complete your feedback.

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 2016-09-04 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My husband obtained a Best Buy credit card and I DID NOT apply for this card. Best Buy added my name to the card as an authorized user at some point. My husband 's failure to make payments has resulted in my credit being negatively impacted. Best Buy refuses to supply the original credit application to verify who signed up for this card. They continue to say that I am responsible for this debt.

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 2016-02-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an Exxon Mobil credit card in XXXX 2014 account number XXXX. The account is in good standing and is correctly being reported to XXXX and XXXX. However, it is not reporting to XXXX. I contacted XXXX and they said the account is not being reported to them and I would need to contact the creditor. I contacted Citibank ( issuer of the ExxonMobil card and they confirmed they are reporting my account to all XXXX credit bureaus. I keep getting the runaround.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have had a credit card with citibank since XX/XX/XXXX.ALL of the payments were made on time and ALL of the payments were paid in full EVERY month. Citi bank has only reported 14 months of payments in the history part of the credit report. This is hurting my credit rating by aprox XXXX points. I have contacted citicard numerous times and the bureaus to get this corrected. it is stopping me fromgetting a loan and my insurance rates are higher than what they should be. there are 216 months of payments that should be reported in my payment history.the credit bureaus keep telling my my score is low because I dont have a long enough payment history and I dont have enough lines of credit. I have XXXX credit cards and can not get a XXXX one because my score is low due to the short payment history that citi is reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I was issued a prepaid debit mastercard several months ago by Citibank in the amount of {$700.00}. I used all but {$170.00} and the card expired XXXX/XXXX/15. I called today at XXXX and asked them to issue me a new card so I can use the rest of my cash. They told me no, that I could not have another card. I asked if they could cut me a check then for the balance, and they said no. I asked for a supervisor and was also told this. I do n't understand what gives them the right to keep my money? Life happens, and I 'd been saving that card for school shopping for my children. I logged into my account with them and saw that it still had a balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was owed a refund from XXXX after I cancelled their service. Instead of refunding the payment mechanism used to pay them, or by check, they arbitrarily decided to refund me via a Prepaid Debit Visa issued by Citibank. XXXX signed me up for a financial product, and entered me into a cardholder agreement with Citibank ( while sharing my PII with them in the process ) without my explicit permission. From the cardholder agreement : " To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account ''. I did not give XXXX permission to " open an account '', on my behalf with Citibank nor am I ok Citibank holding my personally identifiable information. Additionally, there is no option to receive cash out from the Debit Card. So, I am now forced to purchase something in order to receive back money XXXX owes me. This was not a promotional refund. This was a pro-rata refund of monies I paid to XXXX for unused services. Additionally, there are fees attached to this card ( see attached schedule from the cardholder agreement ) which I find objectionable. Even if all of this is disclosed somewhere in the fine print of XXXX 's customer agreement, I do n't see how negative enrollment into a financial product, without a limited power of attorney, which would absolutely be necessary to enroll me in a financial product, could be legal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank Credit card have unusual way of computing their interest rate. They have created a flexible billing ( fluctuated cycle ) so they charge their customer more interest regardless of when the card 's payments were made. I do not think this is right, billing cycle should be adjusted so it will be the same each month. Citi Bank Master card charged more interest in XXXX 2016 than XXXX 2016 although the balance in XX/XX/XXXX was less than XX/XX/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 2016-07-10 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a CITI gift debit card. It expired on XXXX. It still has funds on the card. I spoke to Citi customer service on XXXX/XXXX/16 ( spoke to XXXX and she referred it to XXXX XXXX ) and they would not issue a replacement card or a check.

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 2016-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX/XXXX/2016 I opened a checking account with Citibank NA, account number XXXX for {$15000.00}. This account had {$400.00} bonus promotional offer which should have been deposited into my account within 90 days of opening the account which would have been on or about XXXX XXXX 2016. I opened a dispute with the bank as directed by the Citibank customer Service Representative, Case number, XXXX. Based on the attached letter they confirmed I met the promotional requirements. They are now claiming it could take up to an additional 90 days to get the matter resolved. In my opinion, I met all the requirements and the funds should be deposited as of XXXX XXXX 2016 and should not have to wait an additional 90 days. Further my funds should not be held hostage until resolved. Also FYI, I did file a complaint with the Federal Reserve Consumer Help and they informed me it was forwarded to you as last name XXXX not XXXX. Please fix on your end as appropriate.

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 2015-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
OneMain Financial has been calling my home trying to contact my mother-in-law regarding her account with them. They call several times a day starting early in the morning until about XXXX. I usually get 3 to 4 calls a day, both robocalls and human. I have told them that my home phone number is not her number and she has as well but they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Collection Center Inc
State: WY

Complaint narrative:
We had been paying on a debt through the Collection Center in XXXX, Wyoming. We had been having automatic withdrawels out of my husbands bank account XXXX a month to pay on this debt. In XXXX of XX/XX/XXXX my husband had to have surgery so the payment in XXXX was the last XXXX we had made. We did call and was working with an agent at the collection center named XXXX who was working with us and understood our situation and new that just as soon as my husband went back to work we would continue paying this debt. Today we discovered my husbands bank account was XXXX. We called the bank and they informed us that the collection agency had garnished not only the checking but also the savings account. Which is double the amount of what we owe the collection agency to satisfy the debt. We called the collection agency and they informed us that because we had n't made a payment since XXXX they had put the garnishment against us. We have recieved no current court documentation regarding any garnishments or intent to garnish and also informed us that the agent we were working with had quit last month so they just took it upon themselves to file the garnishment which they said they used a judgement served upon us back in XX/XX/XXXX. My husband and myself feel that this has to be illegal somehow. We do n't understand, firstly how they can garnish his accounts based on a judgement from 8 years ago let alone garnish us in this matter after we have been faithful in payment up until my husbands surgery, and not to mention the fact that the bank account is now in overdraft for XXXX the amount owed, which they are denying but the bank statement we have clearly shows a negative balance for XXXX the amount. Please help us

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XXXX I called Sears Card to pay off and close the account. I approved an electronic payment thru my bank. On XXXX my lender drew a credit report which listed me as past due XXXX days. on XXXX, I called Sears Cards and was told that the payment of XXXX failed due to incorrect a/c #. at that point I authorized a new payment for the then balance. I asked that they contact the credit reporting services and advise them of the error, I was told that this would take 7-10 days. On XXXX I received XXXX letters from Sears stating that the account had been brought to a XXXX balance, but the Credit reporting services had not been advised. I 'm trying to secure a substantial loan, for a new home, my credit score has been dropped by XXXX points. I need the corrected, and I need it Quickly. I 'm paying rent until my house is started. I would appreciate your help in this matter. thank you..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
This account with Citibannk has been closed for years, and I have been paying it off for years. My mother who is now deceased was the primary on the account and I was secondary. The debts were mine, so even though mom is gone I told Citibank I would be paying it off, which I have been. 
Several months ago they debited my bank account for double the payment amount, two months in a row, which I stopped payment on as it was double what had been authorized. 
The following month I began paying again as usual, but Citibank started writing and saying I was " behind '' and I needed to set up a payment arrangement. If they had n't tried to take double payments, there would be no " behind '', but regardless, I wrote and explained I 'd be paying XXXX a month ( more than the minimum due before this started ), and I have been. 
Now they have sicced some estate recovery service called XXXX on me, to harrass me some more, and they returned my letter that I sent with a copy of my bank 's payments to them. ( I set up autopayments to them from my bank, as they refused my access to their own online payment site ). 
They apparently are angry I will not give them my phone number, so they can call me incessantly. I am a XXXX, and I do n't want to talk to these people on the phone - I sometimes ca n't understand them, especially the foreign ones they employ, and also I want everything in writing with Citibank, as I do n't trust them. I have corresponded with them, made payments ( and continue to do so ) and I want them to stop harassing me with these collectors! I am paying XXXX per month as I told them I would, even though this is a hardship because I can only work part-time. 
I want them to communicate with me IN WRITING. I want them to stop trying to harass me with other agencies just because I wo n't give them my phone number! I do n't understand why a company this size apparently has no one who is capable or willing to communicate in writing.

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 2016-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
Sir/Ms., My loan is closing in appx 14 days. I do not know, but HOPE you can help within the time-frame. The subject is " C. Services You Can Shop For '' change between the original and updated Loan Estimate. 

Summary Change Cost rose 34.4 % ( + {$1200.00} ) from the XX/XX/2016 estimate to the XX/XX/2016 estimate. 
First estimate : {$2400.00}. 
Second Estimate : {$3700.00} I do n't know if they are linked, but the Seller Credit changed from $ XXXX to $ XXXX ( $ XXXX from " Cash to Close ''. IF the two are supposed to off-set each other, then my net INCREASE in the " C '' section rose {$800.00}, or 32.7 %. I do not know of this is legal or illegal. If nothing else the change is unethical to me, and completely deceitful. It has caused high anxiety and agitation. 

Detailed Breakdown From Guild Mortage Company - UPDATED LOAN ESTIMATE XX/XX/2016, as written in the estimate : Date of Change : XXXX/XXXX/2016 Date of Re-Issued Loan Estimate : XXXX/XXXX/2016 Changed Circumstance : Change Affecting Settlement Charges Fee Changes Associated with Changed Circumstance : Received escrow fees and updated accordingly : Doc Prep {$200.00}, Doc Del {$25.00}, End was {$75.00} to {$100.00}, Title was {$660.00} now {$940.00}, Messenger {$50.00}, Notary was {$200.00} now {$250.00}, Rec Svc {$13.00}, Settlement was {$1500.00} now {$1800.00}, Sub Escrow {$62.00}, Wire {$25.00}, Deed Rec was {$100.00} now {$85.00}, Warranty Rec was {$21.00} now {$35.00}. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From Guild Mortage Company - XX/XX/2016 C. Services You Can Shop For Title - Endorsement Fee {$75.00} Title - Lender 's Title Insurance {$660.00} Title - Notary Fee {$200.00} Title - Settlement Fee {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I recently opened an account with citi simplicity and made a balance transfer to XXXX XXXX XXXX. The representative I spoke with, apparently mailed the check to the wrong address. I was told it was mailed on XXXX/XXXX/2015. 10 days have passed, the transfer was still not processed. I kept calling citibank for an update they keep saying it should be posted soon. Today, I called XXXX XXXX XXXX to verify if they have received the check. Still no check up to date, they advised me to ask citibank what address the check was mailed to, because they might have mailed it to a wrong address. So I called citibank to verify the address they mailed the check to, and indeed, the check was mailed to the wrong address. Now they have to cancel the transfer and wait 2-4 business days for the completion of cancellation, and then wait another 7-10 days to receive the check. Which now puts me to another 2weeks of waiting. I asked them to trace the check to see if they can forward the check to the right address, but I got no help. 7-10 days processing turned into a month of processing. It was their fault at the first place for not verifying the correct address. But now I 'm the one who 's receiving all the inconvenience. They should have a way to expedite the process for inconvenience like this. But I did not get the help that I need.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have tried repeatedly to close my Sears account. It 's an automated phone system and you can not speak with someone. My account still has not been closed. I received a new card just yesterday.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Story enclosed in uploaded document sent to various Congressional and State Representatives including the Department of Justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: STATE FARM BANK, FSB
State: FL

Complaint narrative:
This is a complaint against State Farm Credit Card, the reason for this is because they have n't put the credit in my favor when already paid in full and deducted from my bank account, how many days it will take to unlock my card, I called in several ocaciones and is only a negative answer, this is a joke against me. and they will more than 7 days and still have not put the credit card.

Company response to consumer: Closed with explanation