vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-11 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XXXX XXXX I initiated a {$500.00} payment from my XXXX XXXX checking account to pay a Citibank credit card on behalf of my wife. I admittedly made an error by sending the funds to the wrong account by mistake. Once I realized the error I contacted both organizations. Neither of which have been able to assist in retrieving my {$500.00} payment. Upon contacting Citi 's customer service which we have done several times, they continue to say the account does not exist. We offered to send old statements with the account number and the XXXX XXXX confirmation showing that the funds were paid to Citi. They say they can not accept any faxes or emails. We are now at the point of feeling helpless because they continue to say the account is not on record. We are requesting the help of the CFPB to have Citi to research and credit our {$500.00} payment back to my XXXX XXXX checking 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 2017-02-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
CITI Bank account XXXX. I have XXXX CITI accounts, this business XXXX was used only during the XXXX. When the {$75.00} annual fee came due in XX/XX/2016 ; I called to cancel. The rep said if I kept the card open the {$75.00} annual fee would be reversed. After 2 months I call to inquire why this had yet to happen. I spoke with the leader of team # XXXX in XXXX, FL, XXXX. XXXX said the rep other rep did n't note this reversal in the record so he refused to do anything. He suggested I close the account and would received a pro-rated credit of my {$75.00} ; which I did, however, no credit has yet been applied. Given CITI Banks record I doubt it will be!

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 2016-08-03 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 opened a Citi Gold checking account in XXXX XXXX during a promotion they advertised where you could earn XXXX AAdvantage miles after opening a Citigold checking account, making {$1000.00} in debit card purchases and making one or more bill payments in two consecutive months. I met all the requirements of the offer and was told I would receive the XXXX AAdvantage miles by XXXX XXXX, XXXX. I never received any miles even after calling numerous times and being told that I would. I asked to speak with a manager and they said they can only submit a claim which could take an additional 90 days. This checking account has a {$30.00} fee each month and now I am being told I have to wait an additional 90 days to verify why I did not receive the bonus miles. I am a loyal Citi customer and have had XXXX credit cards with them since XXXX. I have an excellent credit score and I am loyal customer. I think they are false advertising promotions and not following through with their offers. Below is the code I used for the offer when I opened the checking account. 
XXXX AAdvantage code : 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 non-monetary relief
Consumer complaint received 2016-07-28 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 a checking account with citibank on XXXX XXXX stating that if I deposit $ XXXX I will receive a {$300.00} bonus. It is now XXXX XXXX and I still have n't received it. I have submitted inquiries twice and called to get this cleared up and both times they have denied me and said they either do not have the bonus code on file or that I did n't meet the terms of the bonus. Their explanations have been inconsistent. I have been given XXXX completely different reasons for my denial an each referenced a different bonus program which tells me that they are not being consistent and they are being fraudulent. 

I am writing you because I have been made aware that Citibank has a history of doing this to customers and they need to be held accountable. I have no reason to just park $ XXXX in an account for them for 4 months. It seems to me that they do this with the hopes of having a free $ XXXX to use as essential an interest free loan for them since they did n't hold up their end of the bargain and apply the {$300.00} bonus. It irks me to no end that I have been given the run around by them for over a month now and I will be canceling my account with them and ensuring others do the same.

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 2015-09-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On Thursday XXXX/XXXX/2015 I tried to long into my account online and was unable to access it. I contacted citbank via telephone in reference to my account. I was informed that they can not give me information via telephone I must go in person with a ID. On XXXX/XXXX/2015 on or about XXXX I went to the branch on XXXX XXXX in the XXXX. I spoke to the representative named XXXX XXXX who informed me that I must call citi bank fraud alert. He put me on the phone and left to move his car. Once on the phone with citi bank fraud unit I was verified and that representative ask to speak to XXXX who was not available. So another representative helped me, a female. She had on XXXX. The representative on the phone spoke to the bank representative and then I was informed that my account will be closed and I will get a letter in the mail. I was not offer any detail to what happen with my account what is going on .... I need some one to help me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I 've had an account for over 20 years with good payment history. But the CC company wo n't report me to the agencies. We experienced fraud on our account in 2006 and as such they stopped reporting us. They claim that since 7 years has elapsed they can not report me to the agencies despite continued good payment history and being a customer in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The balance on my Sears card XXXX issued by Citibank keeps increasing, even though I never use it anymore. This month the minimum due is {$520.00} on a balance is {$9300.00}. I pay {$300.00} each month, but the balance does n't seem to change. I contacted the credit card company asking for a lower interest and lower minimum payment, but they responded that since I was no longer charging anything from Sears, the rate would remain the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have changed the settings in my Best Buy credit card electronic system so that only the minimum payment could be paid from my XXXX XXXX XXXX account, and erased all previous bank accounts so they would n't be charged. In this month, XXXX 2015, Best Buy charged both of my bank accounts, XXXX for {$63.00} and XXXX XXXX XXXX for {$1700.00}. I never authorized Best Buy to take the full balance from my XXXX XXXX XXXX account, since I know I do not have all the funds available. In addition, I had removed my XXXX account from their system, which makes the payment processed on XXXX/XXXX/2015 unauthorized as well. I have both of my accounts negative and no money for the week and bills, due to unauthorized activities from Best Buy. Yet when I contact them, their response is that this is my error and they are not responsible for any of these system errors. Both of Best Buy claims department and costumer service department contradicts each other as when giving me information, and lacks communication. None could help me explain why was I being charged and the mix information given was that I must cancel online, and the other said to cancel the automatic payments over the phone. I have done both but my account was once again charged and overdrawn for {$1700.00}. This whole situation is very stressful and drives me desperate, since I am left with several overdrawn fees, no money in my account for personal use or to pay bills, and several hours of phone conversations to have no solutions. I am tired, stressed and under a whole lot of pressure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made a payment to Citi of {$3700.00} in error which they received on XXXX XXXX, 2016. When I realized that I had sent it in error, on XXXX XXXX, 2016, I called and was told that they had to report any refund over {$1000.00} to the government. When I inquired as to why I was told it was a regulation. When I inquired as to what the regulation was she told me she did not know. I was told it would be up to 7 days before I would get it. I asked for it to be sent to my Citi Checking account. On XXXX I called again and was told they were waiting to see if my bank had paid the check. I then told them that if I did not have the money in my account by XXXX at XXXX I would begin a complaint process. I do not have the money in my account yet.

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 2016-05-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I received an offer by Citibank XX/XX/2015. The offer stated that if I opened a Citigold Checking account and met their requirements they would give me a signup offer of XXXX XXXX XXXX miles. I opened and funded the account and met their spending requirements and they will not honor their offer. I have in writing from Citi over their secure message service several messages from Citi confirming I qualified for the promotion, I met the spending requirements, and that they would be issuing the miles to my account XXXX XXXX. 

However, Friday they sent me a new letter telling me they were not honoring their end of the agreement. I advised them I have their confirmation in writing that I would receive the points, but they do n't care. This is a breach of contract at least and possibly even fraud. The reasoning they gave for me not getting the points is because they want proof I was targeted for this offer, but I do n't have the letter I initially received anymore. I threw it away after their reps confirmed in writing that I qualified.

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 2015-06-24 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 hold an account in XXXX. I have been using XXXX XXXX for mail communication for many years. XXXX day I got a letter from citibank saying, I need to update my address to the physical address. So I called up citibank and updated the address. I have been using direct debit for some services and I have given some checks for rental, etc. Later I came to know my checks have bounced as my account was frozen. I visited the bank and came to know that account freeze was due to address change or something. I talked with the personal banker and he apologized for the inconvenience caused to me as it was a mistake from citibank side. He gave me a letter stating that, the account freeze was due to citibank 's problem, not mine. 
But still I had to pay the late payment fees/penalty to rental, aum etc. I had to talk to the branch manager to inform this. I tried to get an appointment by visiting the bank as well. But the employees over there said, he is in meeting and they will contact me once he is available. I waited and nobody called confirming the appointment. I called the bank again asking for the appointment regarding the issue with my account. They said they will contact me after checking his calendar. I waited again and I had to call them again for the same. Still no response. I sent an email to the manager, asking for an appointment. He did n't respond to my mails as well. 
XXXX day I went to the bank with my friend to talk to the manager ( XXXX XXXX ). Finally he showed up. 
He was staring at the computer for XXXX minutes and then he said, there was no record of me calling the bank for the address change. And he ca n't help with whatever loss has happened to me. The irony is my address was updated from XXXX XXXX to my physical address. How can it happen without me requesting for it. 
He transferred my complaint to XXXX branch, which has nothing to do with my issue. Till now there is no update on my issue. 
The service they provide is horrible. This problem is from XXXX 2015 onwards and still no solution. They are acting irresponsible. The money might be small. Still no one should get treated like this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: FMS Inc.
State: OK

Complaint narrative:
I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am under stress every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Sears MasterCard over the XXXX while shopping at Sears. I made one time purchase only in the amount of {$340.00} on XXXX/XXXX/16 and paid balance in full XXXX/XXXX/2016. I closed the account in XX/XX/2016, never use same account for any other purchase, did not even activated my Sears MasterCard when it arrived. 

However, multiple unauthorized transactions showed on my Sears MasterCard statement after the account was closed. I called Sears MasterCard at least four time during past several months ( XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016 ) to clarify the fact that my account was closed, none of the transaction was authorized by me. I was told every time on the phone, they will dispute the transaction and credit back full charges on my closed account. but months afterward, instead of credit back my account, I still have overdue on the account and affected my credit score significantly ( I was XXXX in XX/XX/2016, now only XXXX ). I called Sears MasterCard today, the phone ca n't evan go through ( seems line get disconnected ). 

I am extremely disappointed with Sears MasterCard by Citi. Feel like 1 ) my personal information leaked out during credit card application, which later on lead to credit card fraud. 
2 ) citi card / Sears MasterCard allowed fraud happen repetitively on a already close account 3 ) custom service system is a total disaster, completely disconnected : no record for prior customer phone call, no following phone call on already problemed account, not even answering phone call eventually ... 

I am requesting a fair and final response from Citi Cards / Sears MasterCard.

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 2016-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citimortgage holds the mortgage loan to my home. 
I defaulted, and Citi filed for foreclosure in XXXX XXXX Ohio Court of Common Pleas. 
They won. The judgement against me is under a stay, while I have worked with Citi to receive a mortgage loan modification. For 7 months I have worked with Citi for a loan modification. 
On XXXX/XXXX/2016 a Citimortgage " Homeowner Support Specialist '' told me in a recorded call that I can not have a mortgage modification because the loan is owned by XXXX XXXX XXXX XXXX and told me that " XXXX does not participate in the loan modification program. '' The Citimortgage representative told me my qualifications to receive a loan modification were never considered. 
Every document I have seen states Citimortgage owns my mortgage loan. 
Citimortgage participates in mortgage loan modification programs. 
Citimortgage is under a consent decree with the U.S. Dept. of Justice to offer assistance with distressed homeowners. 
I am a distressed homeowner. 
There is something wrong about Citimortgage 's refusal to allow me to receive a mortgage loan modification. I am employed. I am well qualified for a loan modification. 
So do they own the mortgage loan or not? 
If XXXX XXXX XXXX XXXX owns the mortgage loan on my home, why does it not say so in the public record, and how did Citi have the legal standing to sue for foreclosure? 
If XXXX XXXX XXXX does own the mortgage loan on my home, how does that stop me from receiving a mortgage loan modification? 
What Citimortgage has presented me instead of a mortgage loan modification is an impossible repayment plan for all missed mortgage payments, the ballooning finance charges, the late fees, escrow, all their attorney fees & their court costs, well over {$22000.00} and is demanding that I pay XXXX of that whole amount in XXXX lump sum, up front. 
The problem here is that to now, Citimortgage has asserted they own my mortgage loan, and now that I can qualify for a mortgage loan modification they have either A ) ginned up s pretext for denying me a mortgage loan modification or B ) committed some public fraud, claiming they own the mortgage loan when they do not.

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

Complaint narrative:
Macy 's credit card did n't make any investigation on a dispute charge and add up late fees.

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 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
During the XX/XX/XXXX, I called XXXX ( XXXX ) to inquire why my XXXX check ( # XXXX ) payment had not been withdrawn from bank account at about the same time as in the past. The XXXX customer account personnel advised me to wait a few more days perhaps the mail delivery was delayed because of the XX/XX/XXXX holiday. When I called a week latter, the check had not been received, and the customer account personnel directed me to make the payment at the XXXX XXXX branch in Maryland. I made the payment ( check # XXXX ) which was drawn from my XXXX XXXX XXXX account on XX/XX/XXXX. The amount due on XXXX XXXX ( late charges on XXXX XXXX ) was {$790.00} but I paid {$800.00}. Despite the three phone calls that I made concerning this payment, XXXX did not notify me but charged me a {$25.00} late fee, applied the extra amount that I paid ( {$800.00} - XXXX = {$21.00} ) to the {$25.00} late charge and filed a report on my credit report stating that I was more than 30 days late. The credit reporting agency stated that the lender ( mortgage ) needs to submit a corrected report. Here is a direct quote from them : *Please note : Experian has a new policy effective XXXX/XXXX/XXXX : For all dispute removal requests a letter from the creditor specfically stating that the dispute on file is to be removed and that the account is no longer in dispute is required. A signed letter from the borrower will no longer be accepted by Experian*

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
This card was originally with citi ( Sears ). I got ill about XXXX years ago i was XXXX and i am now on XXXX. XXXX is the only income i have. XXXX XXXX attorney XXXX XXXX XXXX continue sending me a letter threatning me that their going to ask the court to freeze money in my bank account. The only account and income i have is state social security benefits. I filed an affidavit of exemption schedule to my account on XXXX XXXX, 2015 I know they received it. The Law office XXXX on behalf of XXXX XXXX continuning to ignore that i am XXXX. This debt is almost XXXX years old. If i ever get back on my feet and healed from this XXXX the debt still is n't what they claim. My credit card limit was only {$2500.00} They continue to add interest daily. Please help me, this is stressful i 've been really sick this is the last thing i need is pressure to pay a debt i can not right now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, XXXX replaced the roof of my house and put cost on a credit card. The work is not done ( incomplete ) and I contacted the number on the statement for a dispute, and I was told that they are unable to help me with the dispute.

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