vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In 2015 I applied for a Bloomingdale 's American Express Card and used it like 2-3 times. The last time I used it was for the purchase of a train ticket. However, that trip did n't happen so I got a partial refund of the ticket price, leaving around {$30.00} as a balance. Then I left U.S for 3 weeks and forgot about this balance since I did not use this card often ( only when I made a purchase at Bloomingdale 's ). After 4 months I got XXXX calls asking me to pay off and card balance and at that point it was $ XXXX including all late charges. And my card was closed because I missed all the payments. So I paid off the huge amount. However, another 3 months later I got XXXX calls asking me to pay additional $ XXXX late charges. It was just unacceptable! Why would they let me know earlier and why would there be additional charges after my card was closed! The worst thing is, after I negotiated with them ( they were just unfriendly and unhelpful ), I paid another {$42.00} and made sure that would the last payment I make -- it is still unreasonable to me but I 'm super busy, I do n't want to be haunted by them again, not to mention my credit history could be negatively impacted. I thought it was the end. But today, I saw another {$4.00} charge posted to that account -- I mean seriously? What are they trying to do to me!!! This is unbelievable and unacceptable!!! I disposed my card a long time ago because I thought the nightmare ended!!! I never ends!!! Bloomingdale 's American Express card is just HORRIBLE!!!!!!!!!

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 2016-07-20 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
citi bank offered me for a citi XXXX XXXX XXXX XXXX card in the month of XXXX XXXX with the following offer. 
I can purchase a phone of up to XXXX $ from XXXX store and they will refund that amount in full as long as following criteria is met 1- I spend XXXX $ in the first 3 months 2- I keep the XXXX phone in-service for at least 15 days. 
I got card and tried to use the link provided on their website to purchase the phone. The offer specifically mentioned that if the purchase is of more than {$650.00}, the company will just refund {$650.00} and not the actual amount of the phone. as I could not use the link provided, so I contacted their chat support and the representative mentioned that if the link is not working, then I should purchase the phone in store and Fax the receipt to them on fax number : XXXX. I sent the FAX to them on XXXX XXXX XXXX. I contacted their chat support after 2 days and they mentioned that the receipt of fax takes time. I waited patiently and contacted them in on XXXX XXXX XXXX when they mentioned, that they have received the fax but XXXX $ credit will take XXXX billing cycle to be credited to the account. 
I contacted them before the XXXX billing cycle which was on XXXX XXXX XXXX and they said it may take upto XXXX billing cycles. now the XXXX billing cycle is completed on XXXX XXXX XXXX and there is n't any credit back for {$650.00} to my account. 
I contacted them again today and they are saying they missed the fax as it was sent on incorrect number. and they want me to send it once again to a different number. So for the past 4 months I am just trying to settle this {$650.00}

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 2015-10-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
A company called XXXX called me and said they were XXXX and I had viruses on my computer and they would remove them for {$300.00}. I later found out that they were actually putting in viruses to hack into my computer. I had to have another company remove them. I reported this to my Citi bank credit card to remove the charge. I filled out several complaint forms and was told it was not enough information and they could do nothing, so I cancelled the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX, I opened a Citibank CitiGold checking account with a bonus offer attached. The bonus offered XXXX XXXX XXXX AAdvantage miles for scheduling two bill payments in consecutive months and spending {$1000.00} with my debit card. 

After I had met the requirements, I confirmed with Citibank via Secure Message and received confirmation on XXXX XXXX, XXXX that I had completed them. 

" After further review of your account, I can confirm you have completed the requirements for the XXXX XXXX miles promotion offer. The promotion states that you will receive the points within 90 days from the end of the statement cycle in which you completed the requirements. You completed the requirements XX/XX/XXXX and the 90 days will begin on XXXX/XXXX/XXXX. You can receive the miles no later than XXXX XXXX. If you do not receive the points, please contact Citibank and we will submit an investigation to the missing miles on your behalf. '' In XX/XX/XXXX, I double checked when I would receive the bonus by, and XXXX replied that I would receive the miles no later than XXXX XXXX, XXXX. 
" Please make a note of your promotion code : XXXX. I confirmed you completed the {$1000.00} Debit Card Spending and bill payment requirements in your XX/XX/XXXX cycle period to earn XXXX XXXX Miles. According to the promotion terms the bonus points will post 90 days from the end of the statement period when the requirements were met. Please allow time for the points to post by XXXX/XXXX/XXXX. '' On XXXX XXXX, XXXX, I did not receive the bonus points as promised. 

I sent further secure messages to inquire about why the points did not post, and Citibank claimed they had to investigate whether or not I was eligible for the account. 

On XXXX XXXX, I received a signed letter from XXXX XXXX from Citibank, stating that I was indeed eligible for the bonus, and that I should receive them within XXXX days. Today is XXXX XXXX, XXXX days past the deadline for receiving my original bonus of XXXX AAdvantage miles, and past the additional XXXX days given from the investigation. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now delaying to honor their end of the agreement.

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 2017-03-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I signed a contract lowering my XXXX Citibank Mastercard to a lower interest rate. Subsequently, I can not get Citibank to credit my account for a clear fraud issue. They are calling my account a " hardship account '' and will not take information on disputed transactions. Six documented phone calls, some lasting one hour and up to eight transfers, I learned the request must be in writing. Multiple written requests over the past few months have yielded a credit on XXXX fraudulent tranaction of {$59.00}. There are a total of XXXX transactions to same fraudulent vendor that I have asked them to credit. I have provided all details of these transactions. Instead I am getting multiple notices about the XXXX transaction of {$59.00} that was credited. This is not a normal or fair response.

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 2016-06-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I signed up for a Citigold checking account on XXXX/XXXX/XXXX through promotional offer XXXX which promised XXXX XXXX XXXX miles after completing two bill payments and spending {$1000.00} by debit card in the first 60 days. 

Citi failed to send me a debit card within the first 30 days and when i contacted them, they issued an ATM card that I was unable to use as a debit card. After another call to customer service, I was finally issued a debit card and requested to have the deadline of 60 days be extended another 30 days in order to complete the requirements in time, to which they agreed. 

I contacted Citibank on XXXX/XXXX/XXXX to confirm my eligibility had been extended and discussed the matter with online agent " XXXX '' ( Correspondence attached ). He explicitly confirmed my eligibility had been extended an additional 30 days and stated that if I completed by second bill payment XXXX, the requirements for my account would be met to receive the XXXX bonus points. 

I completed my bill payments in XX/XX/XXXX and XX/XX/XXXX and had multiple online conversations with Citi representatives to confirm that I still qualified and met all the requirements. 

I contacted a Citigold representative again in XXXX XXXX in order to follow-up on my promotional offer. a representative by the name of XXXX XXXX XXXX stated " there is an investigation open on the status of the offer. Once the back office support finishes their investigation, you will be notified via secure email to the address listed below with the outcome. '' I still have not received a response to this case being opened ( as of XXXX/XXXX/XXXX ), nor have any agents been able to confirm that there is even an open investigation related to my account opened at any time around this date. ( message correspondence attached ). 

On multiple occasions, Citibank gave me a password to open a secured email with the status of my request, however, a notification was never received by me. When I called back on XXXX/XXXX/XXXX and spoke with agent " XXXX '', he reaffirmed my eligibility for the offer and stated he did not see any open cases for the matter. He opened a new case ( reference XXXX ) to be resolved within " 2-3 business days ''. 

I called Citigold once more on XXXX/XXXX/XXXX seeking a resolution for my matter. A representative by the name of " XXXX '' stated they had not seen any forward movement on the account as formerly promised. I have lost all confidence in this matter being resolved internally. I want to thank the CFPB for representing customers in this unfortunate situation. Citibank has been incredibly disappointing, and I do not intend to continue doing business with them unless this can be resolved.

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 2015-04-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received this creditcard ending in at my request.. Icontacted them several times to CLOSE the account, but I 'm still receivingpromotions and statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I alerted my credit card company XX/XX/2017 that there was a fraudulent charge on my CITI credit card. I was told I would not be held responsible for the amount of {$3800.00} plus the processing fees totaling over {$100.00}. I had a paperless account but was sent balance transfer checks to my mailbox - often twice a month. One of these checks was stolen from my mailbox and used with a forged signature for the amount of XXXX. I was told an affidavit would be sent by mail to my mailbox within the next few days along with a new card/with new account number. The card came by FEDEX. The affidavit never came, but new balance transfer checks came XX/XX/2017, after I stipulated that no more were to come on XX/XX/2017. I called back XXXX and had to speak with 5 different people. The {$3800.00} is still in my balance owed on the card. There is no verification online that a dispute was filed. I was told by multiple people that they could not give me verification of the dispute regarding the {$3800.00} fraudulently put on my card via stolen balance transfer check. I repeatedly asked to be transferred to someone who could better assist me. The fourth person XXXX in XXXX ( XXXX ) said all the information would have been sent to my message center online. He said there were 4 messages regarding this matter in my message center. I had not been told these messages would come to an online box previously. No e-mail alerted me to their presence. I had him close my account since the previous people gave me conflicting information, and balance transfer checks would still be mailed for 2 more months. I then checked my message center online and no messages generated this year were there, and there still was no evidence of the dispute that I filed XX/XX/2017. I called back and asked for him, but was given XXXX in XXXX ( XXXX ). She verified that no messages regarding the dispute had been sent to me in my online message center. She also said it would take at least 30 days before the account balance would be corrected ( removing the {$3800.00} charge and associated fees ). She said at that time I may get an affidavit in the mail or sent to my message center. All the way around, each person who I spoke to gave me conflicting information but all refused to give me verification of the dispute in writing. People should think seriously before opening an account with them. Their associates I spoke to all had conflicting information. The last associate at least verified nothing had been sent to my online message center. She still was unable to provide me with written information verifying the dispute. The fact they kept mailing out balance transfer checks to a paperless account that had requested no mailings is perplexing. They invite fraud by doing this routinely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
I switched my Citi platinum card to a Citi cashback card. Shortly after switching, they offered me a 5.99 % APR on new purchases through XXXX/XXXX/17. I signed up for it, thinking that while I always pay off new charges every month, it would be nice to have a lower interest rate just in case. After sending an amount to cover last month 's new charges, plus an additional {$100.00} to cover balance transfer amounts I had on the card at 0 % APR, I was surprised that I was charged an interest fee of {$2.00}. I checked Citi, and it looked as if the amount I put towards my new charges was not applied to the new charges since they were sitting not in the new interest charges section of my statement, but in a separate offer ( # XXXX ). I wrote to Citi to say that I had expected that new charges would have been paid off first when I sent them money, and even if it was in a different offer, that my payments should go to pay off the highest interest offer first. This was their response : " Thank you for your inquiry. 
Please be advised Each month 's minimum payment due is applied in the following order :? Past due amounts ( if applicable ),? Current interest charges,? Principal balances in APR order from lowest to highest. 
If the Annual Percentage Rates ( APR ) are the same, the offer with the earliest expiration date will be paid first. 
Amounts in excess of the minimum due are applied to balances with higher APRs before balances with lower APRs. 
We are unable to apply the payments which will be applied to higher interest first. 
If you wish to cancel enrollment from offer XXXX kindly respond back to this message. 
If there is any way we can be of further assistance, please feel free to contact us. " I wrote back that they should cancel offer XXXX and also refund me the measly XXXX dollars and change they charged me, but then I realize that I basically have to pay both last months charges AGAIN in order to have that amount wiped clean and so I do n't gain any more interest. To me, it seems predatory that they would apply additional funds beyond the minimum amount to cover lower interest offers over higher interest offers. Also, it is a financial hardship to have to pay the same amount again so as not to incur future interest. I am incredibly disappointed in Citi and told them that I would be writing to the CFPB. I have asked Citi to refund my interest and move my former " offer XXXX '' balance to a 0 % offer to give me time to pay it back without incurring future interest, since I have effectively already paid back that amount. This would be the same as if they took the payment I made, applied it to the new charges and reapplied that amount to XXXX of the 0 % APR offers the money did go to.

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 2015-11-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
i have been a good customer here. for some time. i received a letter from them after i asked for a XXXX time good will credit. in addition to XXXX XXXX of medical bills i had a bad summer and wanted to give them the chance to help me after years of loyalty. well i call as the letter i received from citi said to call to give more info about what i need. i held on the phone only to be told i would need to be in a program in order to get help. i do not need or want that. i want loyalty something other banks have given. The message from this bank resoundingly is they do not value me. realistically i could if i chose get my debt discharged and i have not done that nor plan to.It is frustrating to waste my time. i can not use my cards from citi til things change. i should not be asked to call for no reason only for run around. Additionally i am supposed to have til XXXX to pay with no interest. that was done for me at least even though they are too greedy to help a cusotmer like me which means i will be unable to use the card again. please confirm its XXXX. not XXXX. i cant waste my time calling going nowhere fast. so disappointing we are all people life is short and the greed is so thick i could not use the card again. dont tell me to call to waste my time big deal helping me with XXXX or XXXX dollars you will not feel but would make a difference to us. i could be on food stamps right now due to my son and bills. i can pay but needed help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Dear Sir/Madam, I am trying to get the benefit that I deserve for my Citibank checking account. 
I opened the account with a promotion code XXXX to get XXXX Aadvantage miles in XXXX 2015. Since there is no Citibank branch where I live, I opened it online under the guidance of Citibank representatives through both online chatting ( please find attached chat history ) and phone calls. At the time Citibank confirmed the AAdvantage bonus miles will be credited by Citibank to my AAdvantage account within 90 days from the end of the statement period in which I complete all offer requirements. 
After the checking account was opened, I completed all the requirements. 
However, now Citibank claims I was not targeted in this promotion so they refuse to give the XXXX Aadvantage miles. Citibank has investigated twice on this issue, both times I get same answers. ( attached their answer ) When opening the account, as a customer, I had no information of Citibank internal marketing strategy. The only resource Citibank provided were online chat help and customer service on the phone. All Citibank representatives confirmed I will benefit from the promotion. Now Citibank is contradicting itself. 
Please help the justice be done. 
With gratefulness,

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