vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
XXXX County Ford Dealership faked my signature on a credit application for a {$3500.00} cash advance from Ford Credit Services. I discovered this issue once I received the payment booklet for the XXXX/Ford Credit Services in the mail. I am XXXX years old and was taken advantage of by Ford Credit Services in this transaction. 
I did dispute this loan with Ford Credit Services and was told by them that they did not have RESEARCH whether fraud was committed against me that they instead dismissed my Consumer Credit Loan Dispute without any investigation, since they received a letter from the Ford Dealership that I did agree to the loan with them even though their was no evidence presented by the dealership to Ford Motor Credit that I did apply for this loan. 
I believe Ford Motor Credit Services should be fined by the XXXX Government for not upholding my legal rights under Regulation Z of the fair credit act, since they directly told me they did n't investigate any fraud activity and simply agreed with the Ford Dealership. 

I want Ford Credit Services to investigate my fraud claim and if found that fraud was discovered have my Ford Motor Credit Services / XXXX loan closed.

Company public response: Company 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: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank debited my account which overdrew my account by {$600.00}. Upon discovering this that same evening at the ATM, I promptly called customer service to inquire about how, what, and why this had occured. They informed me a person who I have never heard of had written a check which had a forged signature that looked absolutely nothing similar to my legitimate signature. I told them that I have not written any checks and to stop it since I did not authorize it, at that point the representative put {$800.00} back into my account as I assumed would be the normal thing to happen in such situations. 1 month later Citibank took the {$800.00} back out of my account because I had n't submitted an affidavit of forgery. So upon learning that I got a police report and submitted an affidavit of forgery which the back office of Citibank denied under the grounds that I did not inform them in writing from 30 days when the disputed charge was found. So my question is how can they base their decision upon something I did do ( affidavit ) once I was actually told to do it, despite them honoring a forged check that should have bounced since I did n't even have the funds to cover it, as well as a signature I did not write or authorize in the first place? What legal recourse can I take to recover my funds that were literally stolen from the forger of the checks and then Citibank directly?

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 2017-01-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
garnished my bank account in XX/XX/XXXX S.S.A. funds.XXXX then snatched my wife 's State income tax XX/XX/XXXX return under joint return injured spouse w/o me having any income at all.This has been going on for 16 years.every 8 years they claim I make a payment to them admitting this debt.going to some judge and gettihg an extention on collection.Ido n't know who the debtor orginated with only STENGER/STEGNER are the liars persuing this.pubic action

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I had a student loan back in 2002, was finally paid off this summer and now I get a statement from citibank/XXXX XXXX XXXX saying I now owe {$18000.00} dollars, which is entirely false, I never owe anything close to that. I do some research and found out that Citibank/XXXX XXXX XXXX may be a Scam company. Please help me because they are threatening to sue me by another outside lawyer firm called XXXX XXXX XXXX XXXX XXXX , XXXX . Their infomation is- XXXX XXXX XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX, XXXX . XXXX XXXX, MD XXXX XXXX thank you in advance for any help you can lend to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX XXXX I signed up for a Costco membership. To pay at Costco you had to sign up for an XXXX XXXX XXXX, which I did. In XXXX customers were notified that Costco had terminated it 's contract with XXXX XXXX and the XXXX XXXX card would not be valid at Costco anymore. Since I already had an XXXX XXXX for work, I did not renew the Costco XXXX card or my membership at Costco, my membership at Costco expired XXXX. In early XXXX I received a Costco CITI visa card and on the back was the picture I used when I signed up at Costco for the XXXX XXXX. I did not request Costco to issue this new Citi Visa card. I have kept the card but I have not used it or renewed my membership at Costco. I am writing to you so while you are looking at XXXX XXXX for opening unwanted accounts, you may also want to check into what XXXX and Costco are up to. Thank you for your services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, I was charged the annual fee of {$95.00} for my Citibank XXXX XXXX Mastercard. On XXXX XXXX, I was informed by Citibank that they were closing all of my credit card accounts against my wishes. The only reason that they gave for closing my accounts was that they no longer wished to do business with me. I contacted Citibank to have the annual fee refunded and they refused. If my account had not been closed by Citibank, I would have had XXXX days after the posting of the annual fee in which to close the account myself and not pay the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Hello, I opened my CitiGold checking account with a promotional code to receive XXXX Thank You points and now am being told I wo n't receive them. I have been told by multiple citi agents via chat and phone that I did in fact sign up the correct way, completed the required 2 bill pays and would receive the points within 90 days ( XX/XX/XXXX ). Since then I have only been billed the $ XXXX monthly maintenance fee and received no points. One agent refunded my first {$30.00} fee and even promised me an additional XXXX points for the troubles. He then sent this information to what they refer to as " research '' and research denies it telling me I wont be getting anything because they do n't feel that I should. This is a scam and awful that they are doing this to people.

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 2016-11-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: AL

Complaint narrative:
As I said, Lending Club is reporting inaccurate information on my credit report and just admitted it directly. According to their reporting to the credit bureaus, the alleged agreed on monthly payment amount is {$43.00} and now they are saying that it is {$43.00} and that IS NOT what is being reported on my credit report. And again, this amount DOES NOT add up to the amount they are alleging. It 's just simple math and it STILL is coming back as verified even thought it does not add up. THIS INFORMATION IS INACCURATE AND SHOULD BE DELETED. And I ca n't log in and check anything because I do n't HAVE an account with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian reporting unauthorized inquiries and duplicating

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 2016-01-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
i paid a company called XXXX XXXX dollars in XXXX of 2014 on my citi master card. the amounts were XXXX XXXX and XXXX.i disputed these charges already with citi master card.same company and citi would only credit XXXX a fourth charge same company.the company closed down on me and i told citi this.citi also told me i only had one chance to dispute this and i could not update or change the dispute.i told citi repeatedly that i never received any service or product.i really dont think citi looked into this.how can citi credit XXXX charge for the same company and not the others.i really think citi mislead me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Citi refused to generate my credit card statement for the month of XXXX. My last statement was generated on XXXX XXXX, and then I requested a change of statement date on XXXX XXXX, when a Citi rep told me that the request would n't affect XXXX ( 2015 ) statement generation. Now, Citi has refused to generate a statement for the month of XXXX, saying that the new statement will only be available on XXXX XXXX. 

As a result of this, I 'm not going to have a statement for the month of XXXX, and thus, I wo n't receive any signup bonus ( XXXX points ) that I was promised. I was planning to use the signup bonus ( worth {$660.00} ) to make a travel booking, and because of incorrect information given by a Citi rep, I will have to make alternative arrangements. 

When I pay {$450.00} annual fee for a credit card, I expect better service. Citi reps are very unhelpful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX XXXX, 2016 I opened a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Frequent flier XXXX XXXX miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. These miles are worth at least { {$500.00} } in travel. 
After enrolling online with the promotion code, I telephoned Citi in XXXX 2016 and received verbal confirmation that the offer was attached to my account. I quickly completed the requirements. 
On approximately XXXX XXXX, 2016 I contacted Citi and spoke to a representative who assured me that I had met all the requirements and the promotional code was attached to my account. He stated I should see the miles post to my account by XXXX XXXX, 2016. 

I just contacted citibank today on XXXX XXXX, 2016 to see whether the requirement completion was done and when I would be expecting to see my miles. They sent me back a response saying that the offer was never tied to my account. 

I immediately appealed this citing confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

To date there has been no reply. 

Given that Citi representatives confirmed the promotional bonus and its terms with the opening of the account in the ensuing months, Citi must honor the promotion which induced me to open the account. They have defrauded me of at least { {$500.00} } worth of frequent flier 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 2016-06-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Got best buy credit card, witch I did not signup for. Somebody charge XXXX dallors on it before it was even activated.

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 2016-02-18 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I opened a small limit ( {$500.00} ) credit card at Home Depot to use for minor purchases made infrequently. HD 's system is supposed to reject charges that are over limit. However, it let me charge beyond the limit ( around {$300.00} ), then proceeded to charge interest in an amount larger than the minimum payment. I caught this scheme when my balance did n't change & paid a substantial amount to bring the total below the {$500.00} limit. They also then reported my credit as over limit. That is was over limit was due to their system and/or deliberateness to enable profiting from interest payments. I believe this to be a predatory practice and is probably a large scale one. They use a company not called Home Depot to do billings & collections but surely you can find out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a CitiGold checking account online in XXXX of XXXX. I was an existing Citibank customer with a credit card that earns 'Thank You Points '. The checking account was opened using a promotional offer from Citibank, which offered a bonus of XXXX Thank You Points ( worth roughly {$500.00} ) if the I met the following conditions within two months of opening the account - I simply needed to make 2 online bill payments in 2 consecutive months. I opened the account, and verified ( via Secure Message and using their Online Chat application ) with Citibank that my account was opened with the promotional code and eligible for the promotion, and that I had met the requirements the receive the bonus Thank You points. I was told in accordance with the promotional terms that the bonus points will post to my account within three statements or 90 days of completing the requirements, which would have been XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, and I have paid {$90.00} total in monthly fees to Citibank, and Citibank has not upheld the promotional offer. Upon inquiry, Citibank now tells me that I was never eligible for the promotion, despite the fact that they confirmed my eligibility several times and provided specific dates and milestones that corresponded to that eligibility. This is very unfortunate in that in the six months this account has been open, numerous Citibank representatives have confirmed my enrollment in this promotion, eligibility and satisfaction of the promotion requirements to earn the bonus for this checking account. The last Citibank rep I spoke with told me that the points would post within 90 days of meeting the requirements. Only now, after Citibank has collected fees during my 90 days of waiting, does Citibank decide to inform me that I am not eligible. If I was ineligible, why was I not informed earlier? Therefore, I find this practice to be very deceptive and would like to file a complaint.

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 2016-06-24 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Ca n't see my refund credit back to my credit card account online. Customer service had high call volume and being cut off on phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kross, Lieberman & Stone, Inc.
State: NC

Complaint narrative:
I paid I 've XXXX dollars and was told my puppy had a 99 % survival rate if I kept her there .. puppy had a turn for the worse I was never contacted when puppy passed I have called multiple time in attempt to speek to dr which I was told would be be only one to adjust fees never revived a call my puppy 's dead. It 's was held XXXX for over 30 days I was told XXXX dollars was the balance then collections is going for over XXXX XXXX the 99 % survival rate is why I kept her there I was told she should make it isf I left her ... again dr never called. It sure if any in my messages were relayed to him but I did pay I 've XXXX to this place. And the collection amount is incorrect and dr never called to discuss further amounts since the puppy did not live with his garunte of 99 % survival had I been told XXXX I would have taken her home just like I told them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I have an account with XXXX. My address changed and I updated the address in the store with an employee 12 months ago. I shop here maybe 3 times a year. I made a purchase at XXXX ( XXXX ) XX/XX/2016. I always use my XXXX card to pay for my purchases because of the XXXX % off of your purchase you receive for using it. XXXX % of the time pay it off after I charge it. This time I was in a hurry and did n't. I never received a bill. I shop here so infrequently that I was n't looking for it. 3 months later I receive a call from a collector at Citi on my cell phone stating I owe on my XXXX card. I explained to the Citi customer service employee about the mix-up and paid the amount in full. Even one of the late charges. As I was on hold, I logged into my XXXX Credit Report site and realized they had posted this and my credit score had dropped over XXXX points. I explained that I needed to speak to a manager and she put me on hold for 10 minutes only to come back and give me the contact information to contact XXXX. I told her no, I need to speak with her manager. I was then transferred to a Escalation Specialist who told me Citi was not responsible for the mistake of XXXX, that was their mistake as XXXX changed the address on my loyalty card and not on my billing address. THIS WAS NOT EXPLAINED TO ME. The escalation specialist gave me XXXX options to have negative removed from my report : 1 ) go to the XXXX retail store, speak to the manager about what happened, then call Citi and explain to them what happened with the address change 2 ) fax in a dispute. I happened to be at the mall so I walked in to the XXXX and had a manager speak with the escalation specialist. The escalation specialist 's story changed to the manger and quickly transferred the XXXX store manager to someone above her who told me I would need to fax in a dispute. I just can not believe a company like Citi is able to be so deceitful unfair and misleading to customers. I did n't pay my bill when I made the purchase, my fault. I PAID WHAT WAS OWED IN FULL as soon as the error was found on my part. I changed my address in the store and they said it was updated. I NEVER RECEIVED A BILL!!!

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 2016-04-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In approximately XXXX during the credit financial crises the credit card companies greatly increased their APR rates. Card holders were given the choice of accepting the higher rate and keep the account open or to opt out of the higher rate and keep the original lower rate that would be fixed for the remainder of the balance owed and the account would be closed with no further credit allowed on that account. I opted out and had a fixed rate of 5.99 % on the balance owed and the account was closed to further credit. I was charged the rate of 5.99 % on the balance owed until XXXX XXXX. In XXXX XXXX the rate was bumped up to 6.24 % which I have been paying ever since. I called CITI Cards to find out why this higher rate is being applied to my balance as it is supposed to be fixed at 5.99 % for the remainder of the balance owed. Their statement was it was not their doing, but because the Federal Government raised the prime rate 1.25 % and this has to be passed on to the consumer. I called the CFPB and was told there was no such record of that happening or any reason for the card company to raise the rate that was supposed to be fixed on old balances. I would like to know if it is legal for CITI Card to raise the interest rate on an old balance from an account they closed in XXXX with the agreement that the balance of the amount owed would be charged at 5.99 % fixed when the card holder opted out of the higher rate out back in 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