vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Last year, I took advantage of a Citibank offer of a {$400.00} Cash bonus for opening a new checking account. The requirements were to open a new checking account, deposit at least $ XXXX, and keep the $ XXXX in the account for at least 30 days. At the end of this 30 days, I was promised that I would receive the {$400.00} within 90 days. I opened the account on XX/XX/XXXX, deposited $ XXXX on XX/XX/XXXX, and kept it in the account until XX/XX/XXXX. 90 days from XX/XX/XXXX was XX/XX/XXXX, and I still have not received my {$400.00} cash bonus. I have called Citibank numerous times, but am never able to get a straight answer as to when I can expect to receive my {$400.00}.

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 2015-05-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XX/XX/XXXX my bloomingdales card was compromised and some fraudulent activity occurred. I made a dispute and investigation was started. When I initially made this dispute, I also made a XXXX payment on my account. When I spoke to someone from the fraud department, they informed me that I would not be required to make any payments on my account until the investigation was complete. The investigation has now been completed and I was given credit back into my account. I went in to a bloomingdales department store on XXXX to make a payment and was told my account was closed. The sales associated connected on telephone with customer service who then informed that it was closed and error and she tried to reinstate it but could not because it was a sunday and the department she needed to reinstated was closed. She told me to call back on Monday.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, XXXX, XXXX, Citicards ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is Citicards. Upon reviewing my ENTIRE statement history from Citicards ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the Citi tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, XXXX and XXXX ) immediately delete this tradeline. I am also writing to request Citicards ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.

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 2015-10-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I was making a XXXX Airline reservation, when I was offered a credit card that showed the cost of the ticket would be {$100.00} less, if I applied and was accepted. I applied for the card, was accepted and notified that I could use it to make purchases right away. Went back to the reservation web site and indeed the cost of the ticket was {$100.00} less. BUT, timed out during the process. Now I am not able to receive the {$100.00} discount on the ticket. I have been told several different stories regarding this issue. I was told to use the card I will receive the credit. I tried this and card would not work. I was told by Citi that getting timed out happens and the credit card company can work with AA to get it fixed to make purchase. Finally, I was told I can not use the card for 7 days until it is activated and they can not cancel it until it is activated. Bottom line, this was false advertising, the reason for my getting the card I am not able to take advantage of. I have spent many hours over 3 days with no resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Did not receive ANY communication regarding overdue payment from Macy 's credit card, nor notice of it having been sent for collection. I only became aware of the debt upon taking my credit report. When I called Macy 's credit card and asked about this, pointing out that although I had moved, I had mail forwarding in place, I was told that Macy 's does not allow the post office to forward their mail -- they must instead return it to Macy 's. I was told that this practice is legal because it is stated in the original agreement. 
I do not understand how a company is allowed to have a practice that clearly makes it impossible for them to notify a customer who has moved about possible overdue payments. I had no recollection of owing money to Macy 's, and in addition to not receiving a reminder letter I have not received any phone calls ( my number has not changed ) or e-mails to that effect either ( I do, however, still get Macy 's ads and member deal reminders via e-mail ). 
My credit score has suffered considerably as a result of the lack of communication from Macy 's. I am in the process of buying a house, and a small debt -- less than a {$100.00} -- will now likely cost me thousands of dollars in higher mortgage rates. I find this entirely unfair, as I would obviously have paid the bill if I had know it existed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, 2016, I visited Macy 's XXXX in XXXX XXXX, TX to purchase multiple home goods. During the visit, a salesperson named XXXX repeatedly asked me if I were interested in signing up for a Macy 's credit card with the promise of a XXXX % discount. I explained that I was not interested since Macy 's was already offering XXXX % and it was not worth it to me to save the additional XXXX %. She later clarified and informed me that it was going to be a XXXX % statement credit in addition to the XXXX % that I was going to get off the sales price. I asked her if this would be XXXX % off of everything I purchased, and she stated that it would qualify for all of my purchases that day ( XXXX/XXXX/16 ) and the next ( XXXX/XXXX/16 ). She rung up my purchases ( approximately {$820.00} ), and reiterated that I would receive XXXX % off of what I just bought, she even encouraged me to go and buy a dress and additional items so I could maximize the XXXX % discount up to my approved credit card limit of $ XXXX. The next day, I returned to the store and made an additional $ XXXX purchase in home goods. Later that same day ( XXXX/XXXX/16 ), and in a different department, I explained that I was going to use my Macy 's card because I was going to get almost {$400.00} in a statement credit, and that is when a different salesperson ( XXXX ) informed me that the XXXX % statement credit was limited to {$100.00} only. I told her that was not what XXXX had told me the day before. XXXX empathized and encourage that I complain because it was not right that XXXX had deceptively and falsely encouraged me to apply for a card without stating the {$100.00} statement credit limitation. The brochure for applying for the card, which lists the {$100.00} statement limitation, was not provided to me until after I had already applied, made my initial {$820.00} purchase, and was so excited about already saving, what I thought was going to be {$160.00} in a statement credit. So I agree that the information was available to me ; however, it was not presented to me before applying nor was it stated to me during the application process. Instead, a salesperson blatantly lied to me in order to get another credit card since it 's considered " magic. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Due to website problems, XXXX identical payments were submitted to CitiCard on the same day. When I discovered the error- a Citi customer service rep offered to keep the overpayment & assign future credit, then - as I protested - agreed to 'try to get a refund authorized ' which would take a few days. 
Considering how vigilante CitiBank is for 'fraud ' and late payment - it seems absurd that a {$9800.00} same day double payment could not trigger an alert to me before it was " too late. " In addition, the website problem that contributed to the duplicate payment was additionally obscuring of my account. A $ XXXX payment- noted in the account summary, was not subtracted from Account Due total. Since I was eager to avoid high finance charges, I called customer service to be sure I was paying exactly the correct amount to qualify for NO finance charges forward. For over 25 years I have paid my credit card in full, but discovered that once late payment triggers " XXXX cycles '' of finance charges on exisiting purchases. 
If the website had shown my accurate balance due in a clear way- and if it showed an identical payment already made when the customer service agent manually entered the duplicate ( the website was not accepting my payment from my XXXX XXXX XXXX acct ) - this mess would have been avoided. 
Obviously, there is no incentive for CitiCard to monitor OVERpayments ; holding my {$9800.00} 'hostage ' is clearly a boon top them if thousands of customers are treated similarly. 
There is an easy technical solution- can you make them fix this? 
If you require documentation of my difficulties- I am happy to submit all records & names of customer service contacts. 
Thanks for your attention to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-13 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
CBNA did a hard pull for my credit on XX/XX/2016 and it affected my credit sscore

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 2015-10-02 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have made a massive effort to pay off my debt to Citi. Over the past 17 months I have made over {$6000.00} in payments above the minimum due. Despite contacting Citi several times, they continue to apply the payments that exceed the minimum payment toward the lowest interest rates first. They have paid off my deal at 0 % and after paying an additional {$1000.00} over the minimum last month, they once again applied a considerable amount to the lowest XXXX 2.9 % ) and less than half to the highest XXXX 19.99 % ). This has been continuing for more than a year. This is a clear violation of their Card Agreement and the Credit CARD Act. Also, In the past two months XXXX of my " deals '' have actually increased in amount owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank Is violating the FCRA Laws by continuing to report Credit Card # XXXX on my XXXX credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I am writing a serious complaint against Citibank, I had been banking with them about four years and my accounts have always been positive and properly funded. I noticed about three weeks ago the bank started making unauthorized bank credits and debits on my account. That now have my checking account seriously delinquent. When my account is definitely suppose to be positive. The bank has acknowledged these errors and as you can see on the banking printout they reimbursed XXXX {$10.00} transfer fees and XXXX NSF fee. I went to the bank about these errors the banking representative XXXX XXXX XXXX stated that these are the worse banking errors he has ever seen. It 's like the bank just went in my account and went crazy removing my money. No one at Citibank has been able to explain why so many banking errors on my account. I am hereby requesting that a complete audit be done on my Savings and Checking and my account be bought back positive. These banking errors have ruin me financially. I had to immediately close all my accounts. My government direct deposit had been going their for years, so now I am left without a paycheck until this is resolved. I ca n't pay my mortgage, utility bills, credit bills or nothing. This has ruin me. I do n't know why the bank did this to me. It 's like they deliberately sabotage my account. Please help me resolve this. The bank has been very unsympathetic. Now my account is overdrawn over {$4000.00} after getting a {$2300.00} direct deposit. That the bank has kept and refused to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian have violated the Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of CharacterExperian failed to validate the debt accordance with State of Tennesse law. Report # XXXXTotal XXXX violation throuh XXXX XXXX. 

Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character What the money you say I owe is for ; ( I need signed XXXX, application, where and when XXXX Experian Did not furnished ) Explain and show me how you calculated what you say I owe ; Must support XXXX terms and condition ( Experian Did not furnished ) Provide me with copies of any papers that show I agreed to pay what you say I owe ( Experian Did not furnished ) ; Provide a verification or copy of any judgment if applicable ; XXXX Experian Did not furnished ) Identify the original creditor ; XXXX Experian Did not furnished ) Prove the Statute of Limitations has not expired on this account ; This Item must be expired XX/XX/XXXX. XXXX have reported first deliquence XX/XX/XXXX with similar account. Must verify ( Experian Did not furnished ) Show me that you are licensed to collect in my state ; and XXXX Experian Did not furnished ) Provide me with your license numbers and Registered Agent. XXXX Experian Did not furnished )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Received written letter due to the receipt of a ONE day " late '' payment. I have scheduled bill pays of the debt owed and moved the XXXX payment XXXX XXXX XXXX to align with my pay day ( XXXX ) and received a letter dated XXXX XXXX. I find this to be very aggressive and unnecessary, when EVERY bill has a grace period. 
The main reason for arranging the bill pay was because of the horrible communication tactics with the representative and then the deceit of the amount owed submitted to the court. 
When I received the original communication in XXXX, it stated to contact the office before legal action was taken ; I did that and the debt collection agency still pursued court action ... it was until meditation that the court fees were waived and the verification of XXXX payments were presented. Of the XXXX payments, the first payment was n't noted on the account. Then after that, there were about XXXX XXXX XXXX XXXX versions of the agreement that had errors after errors, in which it was " expected/demanded '' for me to sign as if it was such an urgency ... 
At any rate, I ca n't wait until these next XXXX pre-scheduled payments have been received and I pray I never had to deal with this debt collection agency again in my entire life.

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 2017-02-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We paid our XXXX 2016 mortgage payment to Citi ( I have proof of deduction from my bank statement ) on XXXX XXXX, 2016. Citi transferred our payment to a different dept and then reported us 30 days late on our credit which is ruining our credit profile but more importantly hindering us from refinancing where we could save over {$800.00} per month. We were not 30 day past due. We have not been late on our mortgage for more than XXXX which I have records and documentation proving so. And the only reason we were late XXXX ago was because we were advised to do so to secure a loan modification. This is a HUGE problem for us and we need this reversed immediately.

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 2015-08-11 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I obtained {$1000.00} cash advance x XXXX on XXXX, XXXX, and XXXX/XXXX/15. When I received my statement in XXXX, 2015, I immediately repaid the {$3000.00} plus associated fees. Furthermore, I have paid my account in full every month in 2015. For some reason, citibank has billed me interest on the XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15 statement, totalling about {$240.00}. Furthermore, the current statement shows the balance of the cash advance as INCREASING as interest is accrued. But the cash advance was PAID OFF IMMEDIATELY, along with the entire balance of the card every month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I am contacting your agency because I need your help in disputing some charges done on my Citi XXXX XXXX XXXX by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate all charges done on my Citi card by the companies : XXXX XXXX, XXXX XXXX and XXXX charged last year between XX/XX/XXXX and now XX/XX/XXXX. I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with them and get my refund but they ignored my requests.

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 2016-07-15 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We are a small home owners association. We have a unit in which the owner has passed away. The family has also walked away due to the large amount of mortgage that was owed and the HOA fees. The Bank that the mortgage was obtained from is having nothing to do with this property. As a result we are in legal limbo. No one is paying the monthly HOA fees, no one is keeping up the property or even trying to sell it to recoup some money. In fact, the bank is forcing the HOA to sue them to collect the fees or do something with this property. This has caused financial hardship to the other owners and the HOA as we rely on the monthly fees for daily workings of the condo complex. In addition, we have had to spend extra money for lawyer fees in an attempt to recoup costs.

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
Consumer complaint received 2016-09-27 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: RI

Complaint narrative:
This is a debt that 3rd party XXXX XXXX is trying to collect on. I am unaware of the debt and they have not provided valid information that this debt legally belongs to me, I 've sent a Debt-Collector-Disclosure-Statement and a Dunning Form letter to XXXX XXXX and to their lawyers twice to no avail and they have not proven that I owe them the dept. They are reporting me to the XXXX credit bureaus. I 've disputed with the XXXX credit bureaus but they will not take it off of my reports.

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 2016-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: WI

Complaint narrative:
Diversified Consultants Inc XXXX Fl XXXX XXXX call me almost daily asking when I am going to pay the amount ( over {$1000.00} ) I owe to XXXX, a phone Co. I do not owe any money to that company or any other company. I tell them that but they do not believe me. I ask them to send me something in writing that shows I owe money, but they do not. They have the wrong person but will not give up. Could you please put a stop to this.

Company response to consumer: Closed with explanation