vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-10 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a {$50.00} prepaid card from XXXX XXXX, issued by Citibank in XXXX 2015. I forgot that i had the card and it expired in 6 months in XXXX 2015Tried calling Citibank to reissue me a new card as the funds were not used ( verified with the agent ) and they refused to issue me a replacement cardNow Citibank has {$50.00} more in their account from mePrepaid cards should have a longer expiration dateAppreciate if i can get a replacement card issued. 

thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank had lied to me and continue to playing a game with me. Their deceptive practice is unacceptable. Need to be corrected immediately. I heard there were thousands complains about the Citibank on purposely delay or deny customers ' bonus. I think all the victim customers should file a class action lawsuit to against Citibank. 
I successfully deposited {$15000.00} to my bonus checking account and waited for bonus to credit to my account. Until now XXXX more days had passed I have n't see a penny. When I open the account, it was stated on Citibank 's website and I had personally confirmed with their representative, that If I deposit over {$15000.00} in to the account within 30 days of account open, and keep the minimum balance of {$15000.00} for 90 days, then I will receive {$400.00} bonus. My account was opened on XX/XX/2016 with {$10000.00}. My promo code is : XXXX. And on XX/XX/2016 I added {$5000.00} to make the total balance to {$15000.00} to meet the requirement. I called Citibank multiple times about my bonus, they all said I 'm qualified for the bonus, but they gave me a deference date the bonus will be credited to my account. Today, I had contacted them and they said they do n't know why I did n't have the bonus and I should have had already. By logic, they should just credit the bonus, XXXX, they said they need open a case to do a " investigation ''. What a baloney! This is the dirty trick they are playing. Unbelievable! My account is clear as pure water, there was a deposit date and deposit amount, and the total amount never changed during these XXXX more days. What to investigate? Citibank is just do n't want to honor the offer on time and playing a game. This kind of dishonor behaviors should not be tolerated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been fighting with Macy 's department store to have a charge-off removed from my XXXX credit bureau accounts. I never opened up a credit card with macys. I have notified macys on several occasions and they will not, and have not removed this charge off. I also notified the credit bureaus and they did not rectify this situation. I do not know what to do at this point. I did not open up a macys card and I do n't know whey they are reporting a fraudulent account I never personally opened up on my credit report after I notified them about this on several occasions.

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 2015-06-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I filed my first ever claim with your Agency yesterday ( XXXX). Same background    I E-- I lost my job on XX/XX/XXXX. I was paying all of my credit cards on time. With no job--We lost our condominium + the XXXX entered us ( Me + my XXXX wife) into their Program. They paid our monthly XXXX premium and got us enrolled into the low cost prescription program. However, they advised that if I earned more than $ 50.00 / month--we would lose these benefits. I began early XXXX  monthly benefit check(s) in XX/XX/XXXX at age XXXX
In 2010 Citibank took me to XXXX Court for non payment. Per my "Answer" that I submitted to the Court---my only source of income is my XXXX and that can not be garnished ( I was not trying to "hide" behind this).  The Judge agreed and their motion for payment  was denied on XX/XX/XXXX.

So,you naturally think that this case is now closed.

In XX/XX/XXXX,  I got information from the XXXX Court that this case had been re opened by Citibank !  I  discussed ( at length ) the case with their Lawyer. We settled on a Stipulation for Judgment wherein I agreed I owed the money and Citibank stated , " Demand and presentment for payment are hereby expressly waived". On XX/XX/XXXX and again on XX/XX/XXXX the Judge Granted/agreed with this Stipulation.
 So now ( again) you think that this case is finally closed ??

  A week ago, Citibank's new Law firm mailed me an Appearance Form for the XXXX Court. Per the XXXX Court Clerk--I should call this Law firm and I did. I asked to speak with  XXXX ( person  who signed the Form). I assumed that I was talking with XXXX-- as that is who I asked to speak with.
Regarding me getting this form and XXXX other questions I proposed , he stated to each and every question :
" I can not confirm or deny anything".
Then, in true Legal form, he stated, " If you win the Lottery,you are duly bound to pay in full Citibank"!!!

My opinion is that Citibank is guilty of repeatedly harassing me. 

If a case is deemed to be closed ( XXXX) by a XXXX Court Judge --why can't they accept that Judgement and then "move on"??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Best buy credit card Citibank refuses to allow me to opt out and provide a copy of my choices. I have requested this 3 times and they refuse to comply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX, my cell phone provider, shutoff my service for an unknown reason. My account was on auto-pay and my credit card had not expired. I have been with XXXX for several years. Because I needed to use my phone, the only option I had was to pay XXXX with my Sears/Citi MasterCard. I could n't even call XXXX to ask what was wrong. 
The very next day, I changed cell carriers, so I wanted a refund of the $ 35 monthly fee. I was willing to pay the prorated amount - {$1.00}. 
I submitted information about the billing dispute ( attached ) and they responded with 'you did n't provide us with information ' and they did n't say what information was missing.

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 2015-10-27 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My issue is with a Home Depot credit card. I fell behind on payments and then made a payment to pay all pass due amounts. Soon after that they suspended me from making direct payments on the Home Depot website and would not accept payments over the telephone. I was contacted by XXXX and given the option to pay XXXX in full to clear the account. I paid the XXXX in XXXX of 2015 and thought all was well until I received a call from XXXX in XXXX of 2015 stating I now owe XXXX. Each time I spoke with the company they insisted I owed the money. I requested explanation of the balance in writing but to date have not received a detailed explanation in writing. They only tell me it is because of interest. To date this account balance has grown from XXXX when I paid it off the debt according to paperwork sent to me from XXXX, to XXXX according to the XXXX representative I spoke with today. My last communication with this company was XX/XX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX/XXXX/15, I attempted to place an order through XXXX and my credit card was declined. I contacted Citi and was informed that " Charges have been identified that may be unauthorized. Please contact our Customer Service Department at XXXX XXXX XXXX : XXXX ) immediately to verify these transactions. '' I spoke with customer service and the issue was cleared up. I again attempted to place an order through XXXX and again my credit card was declined. I again contacted Citi and was told that further verification of my identity was needed and they needed to speak to any other member of my family with my same last name to verify I am who I say I am, otherwise, my credit card would remain blocked! Why do I have to get any other member of my family with my same last name to verify I am who I say I am, when I previously gave them my name, address, social security number, transactions and payments I made to the account, etc? How would Citi verify that this other member of my family, is in fact a member of my family : by asking for their personal information???? This sounds like a scam to me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
i had submitted a complaint and sent info in 2012 against a predatory mortgage but never heard back. it was CitiMortgage, the address was XXXX XXXX XXXX XXXX. we lost that home and no one has ever contacted us, please call me @ XXXX XXXX XXXX. They told us we would be on a priority list.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 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: CA

Complaint narrative:
Macy 's Credit Card issued a card to an old address and debt incurred was not made by me. After getting odd calls asking for me and then they would ask for customer identification info. When we ask to have a contact # back they gave the following XXXX # 's XXXX, XXXX which are neither Macy 's credit card customer helpline. After inquiring which company, they stated they were Macy 's XXXX XXXX collecting on debt. I contacted Macy 's Credit Card at XXXX and cleared the fraudulent charges with their fraud department. Afterwards, the XXXX continue 's to call every morning.

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 2015-06-16 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Solidus Group LLC.
State: FL

Complaint narrative:
I am receiving calls from fake process server named XXXX XXXX saying he will come to my place of employment to serve me. He gave me the phone number of the " client '' to contact. I called the number XXXX and spoke to XXXX XXXX. She began by stating I had committed fraud maliciously and I was going to be prosecuted for a payday loan that involved XXXX XXXX checking account in Florida. When I asked her if she was a debt collector, she replied " yes ''. I asked her why she did n't read me the XXXX warning as is required by the FDCPA. She then began to read the XXXX warning. I told her that she was violating federal collection debt practices law by having someone call to threaten me with serving a warrant and by not identifying herself as a debt collector. Then she began to yell at me that I was a criminal and I was going to be arrested for stealing money. I hung up and XXXX minutes later she called me back to tell me that she was n't afraid and I was going to be sued and then she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX of 2014, my husband ( who was my fiance at the time ) and I purchased our wedding bands at a value of {$3000.00} at a ZALES Diamond store in XXXX XXXX, Florida. We chose Zales because they had a promotion advertised on their website and on a store front signage, offering a certain percentage off the entire sale and 0 % interest the first year on charge purchases. So we signed up and completed the purchase. We double verified with XXXX ( the sales associate helping us ) that we were qualified for the 0 % interest for the first year promotion. As understood, she verified more than once that we were eligable for the promotion. To our surprise, on XXXX XXXX, a {$600.00} and something charge hit our account. I called in to inquire on the charge, as I know we had n't used the card, and was advised that the charge was backed up interest because we had no paid off our debt & the " promotion '' was for balances paid in 6 months. I WAS IN SHOCK!!! I tried explaining to the associate on the phone that in no given time was this explained to me by XXXX when we asked her multiple times about the promotion. He went on to say that it was in the agreements that we signed. Who the hell looks at all those fine prints?! I asked to speak to the manager, who of course could n't help me & was suuuuuper rude and basically told me I just had to pay the interest charge. Long story short : ZALES is a thieft company. They advertise incorrectly and hide information/fees. I will never be doing business with them again. My husband 's wedding band is giving him an allergic reaction and we are looking into filing a lawsuit against them. Worst part is - they are negligent to help and makes us consumers feel as if they are the ones doing us a favor. The XXXX associate that assisted me on the phone told me that A LOT of people call to complain about the same thing and that A LOT of people say their in store sales associates fail to give them complete promotion information. Funny how their own employees would say that about the company .... really says a lot about them. Stay away from Zales ... cheap quality jewelry & high price tags.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I 'm receiving calls multiple times a day with only a voice message left by Citibank to contact immediately. When I call they have no record of mine name just phone number. I 've asked repeatedly for them to stop calling but they tell me they can not do that. 

Numbers involved : XXXX XXXX My registered phone number is XXXX they above numbers call me multiple times a day automated. Please help make them stop!

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 2017-01-03 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for Citi Double Cash credit card in XX/XX/2016 with advertised promo of 0 % APR on purchases. After my second bill was released I have an interest charge and customer service representative claims that my account has standard APR on purchases and 0 % APR only on balance transfers. Even today Google results bring up searches with 0 % APR on purchases offers for this card which actually do not exist. Big banks like CITI should have better control of information provided by universal search engines than that. I assume they spent millions on advertising every year. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Different names used from XXXX calling repeatedly saying Law Firm named " XXXX '' declining to give address, being not Attorneys just a plain collection agency falsely advertising impersonating as '' Attorneys '' not identifying properly no City, no Office address no true name ( did XXXX, non existent ) .Threatened to sue Indicating falsely I committed a crime by not paying old 10 year debt. Attempting to collect wrong amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I obtained a credit card from Macys in XX/XX/XXXX. The credit card has been active until today ( XX/XX/XXXX ). Approximately 45 days ago, I received a letter in the mail from Macys, informing me of a " credit card protection service '' that I was enrolled in. That was the first time I heard of the enrollment. So I attempted to call the phone number provided as well as attempted to visit the website, however, I was unable to reach them. So I contacted Macys customer service who transferred me to this department. I informed them that this was the first time I was made aware of this and I wanted it stopped immediately. Additionally, any charges made to my account needed to be refunded because this was added to my account without full / appropriate disclosure. They immediately canceled it and indicated that they would submit a request for " investigation '' and I would receive a response within 30 days. This activity occurred on XX/XX/XXXX. Today, XX/XX/XXXX, I contacted them to follow up on my refund ( which should be a little over {$500.00} ). They informed me that they did not see the refund in the system and they needed to resubmit the request to the investigations department and I would need to wait an additional 30 days. I requested a transfer to the investigation department and they indicated that they were not able to transfer me, there was nobody I could speak to in order to resolve this issue and there was no escalation process. The person I spoke to was XXXX - the manager on duty. So, not only are they denying my refund for something I was enrolled in without my knowledge / full understanding / full disclosure, they have not provided a clear mechanism for which to address this 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 monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Re : Fraud Claim XXXX Bank of America ignored fraud activities on my account I discovered some fraud activities on my checking account. I opened a claimed with the fraud department. An analyst named XXXX took the case, She denied the case with no explanation. I had to call multiple times where I requested to speak with the analyst to see why the case was denied, She is was able to Instant Message with the rep I was on the phone with, but would not return my calls, or explained why my case was denied. It 's been five days, and I still do n't have a concrete answer why my case was denied. Someone took my phone and was able to penetrated through my phone to add an account and make a transferred of {$400.00}. The name of the account is XXXX XXXX, I did not make this transaction nor did I authorize this transaction. The rep stated that I authorized someone to make that transferred which is not true, she also stated that I made transaction before and after that were not reported as fraud. But this one transaction was done without my permission or consent. This transferred is fraud, and they would not relooked at my case or correct the transferred.

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 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
We have been trying to short sale our home for XXXX months!!!! CitiBank has been continuously and purposely been delaying their review so they can auction our home off. We and our attorney have continuously submitted EVERYTHING they ask for in a timely manner. It takes Citi weeks to respond to our phone calls and emails and when they do finally respond, they say that what we sent has expired ( because they took too long to respond!!! ) The file is also in homepath because it is a FNMA loan. The file keeps getting closed out of homepath because of Citi 's lack of response. We have a sale date now on Wednesday even though Citi confirmed that they finally had everything they needed to issue an approval on this file after XXXX MONTHS of reviewing it. Citi promised us that this sale date would be cancelled but it is not. PLEASE HELP!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XX/XX/XXXX I received a statement from Macy 's for charges made to my Macy 's American Express Card for XX/XX/XXXX. There were XXXX charges for XXXX. The charges were made to a new card which Macy 's issued having the chip. I had not used the card prior to these charges being made and the card was in my possession. I immediately called Macy 's to report the fraudulent charges. I received a letter dated XX/XX/XXXX and XX/XX/XXXX regarding this matter. Macy 's reported me as delinquent to XXXX and also asked for payment of undisputed charges. No charges were made by me on the card and the delinquent amount was for penalties and interest on the fraudulent charges. The matter was resolved by XX/XX/XXXX. However, it is my understanding that Macy 's should not have reported me as delinquent for fraudulent charges made to my 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 monetary relief