vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There was a a Citibank offer back in XXXX XXXX with the following promotion ( OFFER CODE : CZPE ) : " Get a {$400.00} bonus when you open a new Citigold or Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days. Cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. '' I opened a new checking account on XXXX/XXXX/XXXX, deposited {$15000.00} on XXXX/XXXX/XXXX, and have kept the same balance until at least 30 consecutive days as the promotion required. Even to this day the same balance has been keep there, and after the 90 days of meeting all the offer requirements, I still have not received my bonus offer. I have called the Citibank service center every 30 days within the 90 days to confirm that I have met all the requirements and their answers every time was yes and wait for the 90 days. Today, it is XXXX XXXX, XXXX and I still have not received the bonus offer nor there is possible pending transactions posted in my account. By researching online, I have found numerous complaints against this Citibank practice of not paying bonuses even after the requirements have been met ( https : XXXX? XXXX ). Any help is greatly appreciated.

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 2016-12-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I was never given the option to opt out of overdraft fees. I know now that I had that option but I was automatically open into overdraft fees. I have lost a lot of money this way and I would rather have my card declined than charged. In some months I would get charged with these fees more than 3 times as a XXXX. {$35.00} is a lot!

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 2016-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FirstKey Holdings, LLC
State: CA

Complaint narrative:
I use a bill pay service. They send my payments so that the mortgage company receives them on time. My current mortgage company is I 'm sure holding my payments. They are n't cashing the check for up to 3 weeks after bill pay says they received them so they are late every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In the year XX/XX/XXXX, I purchased tires from Sears XXXX. My statement came and I paid the minimum payment. At the same time a statement came for XXXX, but I do not have a XXXX. A check revealed someone opened an account in my name. XXXX was notified of the fraudulent account and they rectified the situation. A further check of my other statements revealed, sears had over a thousand dollars in purchases from playstation and another video gaming company. Sears was notified of the situation and they acknowledged the disputes were from Maryland and they would rectify the situation. Each month, I would receive a billing statement same charges higher then the last. I called each month about the charges and was referred to the fraud department and was assured by different fraud investigators that the charges would be taken off. Currently, I received a statement for the month sears customer service on XX/XX/XXXX for the company to correct the new balance. They connected me to the fraud department and spoke to a female manager ( XXXX ) who stated she does not give out last names. I attempted to explain that my new balance was wrong. She stated, " I am at fault for not notifying the sears of the fraudulent charges. '' I explained to her that I did notify sears, that 's the reason why sears credited the fraudulent charges. I further asked her to go back to when I purchased the tires, so I would know what amount is left. She stated she can not go back that far to look up the information. I advised her I would like to put a billing dispute which is a different department, she stated it will not go through cause it has to go through my department. I, eventually ended the call and felt like I was victimized a XXXX time. XXXX from someone using my information and now from sears.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I applied for a credit card, The representative told me, that the reason they decline me was too many inquiry 's on my XXXX which for 2015 only had XXXX, The representative told me on the phone that they only pulled XXXX inquiry, I told her that you also pulled a XXXX credit report, and she told me they did not pull XXXX credit report, only XXXX credit report, I told her i can look on experian with a confimation that i have with them, and it shows they pulled a credit report XXXX/XXXX/2015, If the representative can lie on the telephone to me, I can see why i did not get approve, Because i have great credit!!! High Limits!!! Good Income!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
EquifaxFRAUD FLAG Yes No NoYOUR STATEMENT FRAUD VICTIM. " EXTENDEDALERT ''. CONSUMER HASREQUESTED AN ALERT BEPLACED ON THEIR CREDITFILE. CONSUMER DID NOTPROVIDE ADDITIONALINFORMATIOfraud Alert on my credit report incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a charge on my Home Depot account for {$15.00} in XXXX. I changed my email address on XXXX XXXX to my new email address. Apparently it did n't go through as I never received any email statements for the {$15.00} and forgot about the charge. I noticed my credit score went down and found that Home Depot had me listed as unpaid for XXXX and XXXX 2015 w/ accrued late fess. I called them and they had my new email but could n't verify they sent my bill to the new email address. I spoke to an account rep. named XXXX who said they could n't do anything about sending the derogatory credit to the credit bureau which dinged me nearly XXXX points for a bill I never even received plus late fees. I never received a bill from them!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HOVG, LLC
State: TN

Complaint narrative:
This is a medical bill addressed to my mother who passed away, XXXX XXXX, 2015. The bill has been turned over to Bay Area Credit Service. My mother lived XXXX and I live XXXX. Therefore, I am still just getting her mail delivered to me. ( The postal service is a whole other story! ) I do not even know what the bill is for and they will not tell me. I asked to speak to a manager or supervisor. A, XXXX XXXX, came on the phone and pretty much just reiterated what the first lady said. At that point, I told them I did n't even want personal information anymore, I just wanted to know what their company policy was for handling a bill of a deceased person. Again, the same answer, " I 'm sorry I ca n't talk to you since you are not the person on this bill. '' They were rude and unfriendly! I explained how upsetting this whole matter was to have to repeat this situation over and over, but of course, all I go was the same 'robot ' answer. All over {$43.00} ... I mean XXXX really!?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CitiCards ( MasterCard ) has failed to respond to -- or even to acknowledge -- my XXXX XXXX, 2016 letter, concerning my being charged {$300.00} TWICE for a single 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 2016-03-22 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
A couple of months ago I thought I paid my Macy 's card in full. Then a couple months later, I looked at my statement and it had several {$2.00} charges. Macy 's charged me interest on an account that was paid in full and because there was a balance, an automatic {$2.00} charge was given. It was something new they had just started and as a courtesy, removed all of the charges off my account and reported to the credit bureau that I was in fact not late on any credit card payments. Things took a different turn when Macy 's ( credit services ) reduced my credit limited from approximately {$3000.00} to a mere {$100.00}. I have been a card holder with Macy 's for 10 years, it was my first ever credit card. I had never been late. The reduction in credit limit caused my credit score to go down XXXX points!! I am attempting to purchase a home and because of Macy 's credit, I could be negatively impacted in my rate. I spoke with someone at Macy 's credit and they refused to increase my limit and even spoke to someone in management.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX 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 2015-08-18 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
. For the past 2 months I have been receiving a photocopy of my printed statement. The pages are black & white, the coupons are printed on XXXX pages XXXX front on XXXX page and back on another ) and the billing disclosures are illegible, the ink is smeared and impossible to read. I called last month and was assured that another statement for XXXX & XXXX would be sent. And instead another photo copy was printed and mailed. Fair Credit Billing Act requires my billing statement be legible and contain legal disclosures for billing disputes, etc. I can not even read the billing dispute address on my statement. I am not making a payment until I receive a regular bill that can be read and I expect any late charges for XXXX, XXXX, or until I get a bill to be removed. 

I would like to add to this complaint that I received a call from Macys at work on XXXX at XXXX from XXXX at that time i told them not to call me at work or on my cell anymore. I received a XXXX call also at work on XXXX at XXXX from XXXX again at my place of employment XXXX XXXX XXXX XXXX.

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

Complaint narrative:
In trying to activate a new citibank mastercard, I was told that my account was put on hold because the telephone number I cited did not match their records. I was put in a position where I was neither able to activate the account nor cancel the account because security access ( which I was being denied ) is required for both. I know that I gave my correct phone number when enrolling because citibank gave me a call soon after I applied in order to verify the validity of the application. The number they have on file for my account is pulled from public record and is incorrect. The customer service representative said that I would have gotten a voicemail with a code to gain access to the account, but seeing as the number that citibank has is incorrect, there would be no way for me to receive that message. This is frustrating and inconvenient to say the least,

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 2016-09-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Per an advertisement for an incentive of {$400.00} to open a new checking account in order to attract new customers, which is still going on on the Citi website, I applied for and was approved for a Citibank Account Package for account # XXXX. My initial deposit of {$15000.00} posted on XXXX XXXX, 2016. 

Per the terms for the incentive it stated that in order to qualify for the {$400.00} incentive I would need to open a new Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days, which I complied with. 

On XXXX XXXX, 2016, with {$15000.00} still in my account untouched, I sent an a message through my online account to confirm that I met the qualifications for receive the {$400.00} incentive. On XXXX XXXX, 2016 I received an email fro XXXX XXXX, Director of Client Research, that I had indeed met the necessary requirements and to allow 90 days from the qualifying translation to receive the {$400.00} incentive. 

The terms do state that the new checking account in The Citibank Account Package must be open and in good standing at the time the cash bonus is credited to the checking account. By XXXX XXXX, 2016, the {$400.00} incentive should have been applied to my checking account which I fully intended to comply with the terms and to keep the checking account open until then, and even longer in hopes for a good relationship with Citi. However, when I logged into my account on XXXX XXXX, 2016 I noticed my balance was {$0.00} and that the account had been closed. 

I called the customer service line where they stated they could not see a reason for the closure but that a check for the {$15000.00} had been mailed to me and to call the new account customer line on Tuesday with any other questions. I received no notification or information on why the account was closed. I found it odd that shortly after receiving a letter that my account was investigated and that I qualified for the incentive, my account was closed days later. This has left a bad taste in my mouth about how Citi runs their business and has me questioning if I would want to have any relationships with them in the future.

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 2016-03-16 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
they are putting my debt on my report. this is not my 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 2017-01-02 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for a Macy 's credit card in XXXX and at that time Macy 's enrolled me in a credit protection program without my explicit consent. I received a reminder of my enrollment in XXXX of XXXX, and this was the first time that I have been given information regarding the terms of the program and notifying me that I was enrolled. The program charges a monthly fee based on your balance which over the lifetime of my card has cost me {$210.00}. I never enrolled in this program and I was never informed that I was paying for it, it was included in my bill as a fee and not explained. I would like to be reimbursed for these charges as I did not authorize them nor do I need or want 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 monetary relief
Consumer complaint received 2016-08-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I applied for a Citibank credit card in XXXX 2016 and paid the first bill. They say I asked for paperless billing, WHICH I DID NOT. They continued to send me e-bills and I ignored them as I thought they were spam. This month I tried to close the account and they said I owed them almost {$4000.00}. I finally was able to download all the bills and found there were {$3400.00} in purchases, {$210.00} in finance charges, and {$160.00} in late fees. I have called Citibank 4 times and was told a supervisor was not available but would call me back. I never got a call back.

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 2015-03-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Initiated contact via written notification of billing errors on XXXX XXXX 2015. Citibank failed to acknowledge and to respond to our Fair Credit Billing act dispute letter. Certified letter was recieved by Citibank of XXXX XXXX, confirmed via recorded telephone line. Contacted citibank multiple times and failed to return call after asking to investigate verbally as well. Last correspondence was via phone on XX/XX/2015 and citibank account manager refused to investigate, escalate, or resolve issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
citimortgage modified a mortgage for my exhusband on a note we were jointly liable for. The modification extends the repayment terms - modifying the note from 30 to 45 years. 
My signature and name are not on the loan mod. I was not a party to it. However, XXXX still considers me liable, and my exhusband 's poor payment history continues to be reported on my credit.

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 2015-10-23 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am a competent person with a lot of debt. I am trying to clean it up. I have ALOT of experience just logging onto the computer to see the interest charges and my APR. Sear makes it impossible for me to see any of this information. Based on the " ease of use '' and rather simple process of the other credit card companies I deal with, Sears hides this information -- There is no PDF way to download credit card statements. Rather it is some tab delimited or other inconvenient mode. This is deliberate. I have a 25 % variable interest rate -- But still to date can not see the charges that are a result.

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

Complaint narrative:
Opened a Macy 's credit card to get the 20 % discount - I have an XXXX credit score, so was not concerned with a hard check no my credit. As intended, I paid the outstanding balance in full immediately upon receiving the first bill. I checked my credit report, randomly, a few months later and noticed they had reported at 60 day overdue balance of {$18.00}. When I called, they informed me this was interest charge ... interesting how interest can accrue on {$0.00}. When I let them know this was fraud, they immediately back tracked and did everything necessary to remove the charges, report the correct info to the credit agency and close the card ( as they were previously instructed ). They also proceeded to say they had the wrong address on file - also very interesting bc the first bill had no problem finding its way to me when they wanted to get paid the initial balance. 

If you have a retail card from Macy 's - review your statement carefully ... likely interest and late fees on their that are fraudulent.

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 2015-12-29 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I received a Macy 's bill for a {$2.00} " Fees Charged '' on a zero balance. The previous month the account was paid as agreed way before the due date. However on the XXXX of this month when the billing statement was generated they assessed the fee on what Macy 's confirmed was a zero balance and removed the charge. This has happened before and they have removed it. They even have a recording where you can have it removed without even speaking to someone! I feel as though they are throwing these fees out in hopes that a certain percentage of people will just pay it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief