vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a credit account through Sears. It has been open since XXXX. Approximately XXXX XXXX, while paying, Sears retail clerk prompted me of an opportunity to enhance my Sears credit through the addition of a Master Card. at the point of that register, through the process of applying to the added credit account that I discovered the store had my incorrect address. I updated the address at the register, and agreed to new account and made a purchase that day. 

In XXXX XXXX, I was forwarded mail sent to my incorrect address, my former address. I paid that bill and opened an online service account so as to stay on top of the tracking- I then updated my address. In XXXX XXXX, I received a notice from credit bureau ( XXXX ) survey account stating that there was a change in my credit report. It pointed out the Sears card. I then promptly attempted to sign in to investigate the account. 
As I attempted to sign in, the Sears online system did not recognize my email stating that my email was not registered. After multiple attempts with multiple user names and passwords, I promptly called Sears to investigate on XXXX/XXXX/XXXX. The Sears clerk told me that he saw that I was registered through the Sears online system, but not through the Sears Credit card online system. In essence, the online banking system for the Sears card that I have held since XXXX, and the new Sears Credit opened in XXXX XXXX are not linked, correlated, or connected in anyway. XXXX, therefore, must have made XXXX separate online accounts. This added step and process was no where disclosed anywhere by the company nor its affiliates. 

The multi step online registrations requiring XXXX user names and such are not disclosed and creates ambiguity and confusion on behalf of the consumer that can have serious ramifications. I think that this is capricious and not fair to the consumers, and now my credit score has been dropped by these discrepancies. 

In the meantime, I have paid all bills in full, but seek remedy for the XXXX notes added to credit score affiliated with the Sears credit card online system.

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: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear CFPB Please be advised that I was not served or informed by Citibank about an allege credit card Judgment against me. Also they allegedly sold this judgment to a third party and I was not notified from either party.

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 2017-03-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015, XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2015-08-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
i am receiving non stop calls from this agency starting from early XXXX to late XXXX, during which time if i attempt to say hello no one says anything they stay silent until i hang up and they just repeat the action by calling again constantly, i have tried to reach out to the company directly to express the issue but the calls continue

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX, 2013 bought TV at Best Buy - salesman offered Best Buy card. Told him did n't want credit card - he said only {$25.00} a month. Also bought a few small priced items, all of which no longer work. Recently BB charged me XXXX of dollars of interest on bill which was previously at {$2000.00}. Payment changed to {$75.00}, and now, they added hundreds of $ $ more in this month, payment charged to {$90.00}. Contacted by email first, said it was my understanding only {$25.00} and I was clear could n't afford more. They said pay them {$440.00} right away and they might " adjust ''. Went on live chat, said I do n't have it, and I can only afford $ XXXX/month. Best Buy rep then startled me by saying reason : I had n't paid Any payments on time. This is false. I pay ALL my bills, on time, and always have which my credit history shows. I asked him to email me the credit reports, reporting me late ( and how could I make other purchases ). Asked him 3 times, refused to answer, then said I should contact dept deals with XXXX and I would have to prove it?! I repeated request for his evidence and again gave email - Best Buy wo n't answer up. I am desperate for help because they are going to continue to add XXXX of dollars of interest each month and keep escalating month payment demands. I think they 're charging something close to 30 %. The TV I bought is now sold for about {$200.00}. The other small items might amount to {$300.00} in total. They have now escalated bill to {$3000.00} and continue to make it impossible. They are going to ruin my credit as there is no way I can pay these amounts which I question as legal. They have NOT reported to the credit bureaus in the last 2 years - not surprising since I never miss a payment or pay late. I am a senior citizen, recovering from surgery, and my wife is also a senior citizen, XXXX. I am totally willing to pay what I promised, and what was promised to me by Best Buy salesman - $ XXXX/month and with a balance capped at the original {$2000.00}. I feel like Best Buy is fraudulently duping senior citizens and not sure if this is even legal. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
A fraudulent credit card transaction ( XXXX ) was made to my Macy 's account while I was on vacation ( XXXX XXXX ). At this time, my balance was zero. I only use the card at Macy 's and use is sporadic. Due to changes in the Macy 's website I was unable to get online and check the account and had statements received electronically only. In XXXX, I received a new card from Macy 's, but was unable to verify the card due to problems getting online and could not activate the card until I called them. The card was activated, but I was told their was an unpaid balance. Since I had made no charges, I asked for paper statements. I called back to say the charges were fraudulent. I was told the charges would be removed while investigations proceeded and to call back and verify in ten days. Called back and they had no record of this call, so I started over and filled out their forms for fraudulent charges. Got a new card. Ca n't access most portions of the bank website, nor use the card for Macy 's transactions. Talked to tech support who indicated the account was locked. The XXXX statement balance was XXXX due to fees of XXXX the balance was transferred to the new card and the XXXX statement was XXXX. They credited the XXXX and XXXX of the prior interest and fees, and said I owed them XXXX in fees and interest that was not disputed. But these are related to the fraudulent charge. I have called and talked to XXXX individuals and sent XXXX secure messages, and written letter on XXXX XXXX, but they say they will remove these fees but never do. so the account remains locked and the card unusable. I HAVE NOT USED THE CARD SINCE XXXX. THE BALANCE SHOULD BE ZERO. I keep getting different numbers to call, all of whom claim to have fixed the problem but nothing happens. I have missed the holiday sales as a result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-15 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a Macy 's credit card account XX/XX/XXXX ( to receive the 25 % off ). I purchased less than {$20.00} worth of merchandise. By XX/XX/XXXX I realized I never received the Credit Card or a bill. I looked up the XXXX number on line and called. I spent an hour on the phone and was advised my bill was {$52.00}, of which {$38.00} were late charges. When I explained that I never received a card or the bill, the person confirmed that it was sent to the wrong address, cancelled out the card and advised me that she removed the late charges. I paid the actual charges that day on the phone -- meaning once the late charges were removed, my balance was XXXX. I then received a bill then next month stating they transferred my balance ( to a new card since they issued a new one since I did n't receive the 1st ). And I had another late charge. Now bringing my balance which should have been XXXX up to {$52.00}. I again spent 90 minutes on the phone in XXXX and was advised that all cahrges would be removed. Then to my dismay tonight ( XXXX/XXXX/15 ) I received a call stating my account was past due and I now owe XXXX ( of which I owe notheing because I have already paid the original charge of {$17.00} ). The operator each time spoke very broken English. This evening when I asked the operator if my other XXXX phone calls were noted, she said they were not. She would not allow me to speak to a manager. This whole experience seems fraudulent. I would n't be surprised if this company is doing this to others and I would like this looked in to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank states that I requested a permanent stop payment on XXXX. In 2013, I requested a one time stop payment for XXXX because I did n't want my account to overdraft. Because of this, my account with XXXX has been closed due to no payments. Every single time since 2013 that I have called Citibank, they did not disclose this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I applied for a Citigold checking account XXXX XXXX, 2016 over the phone and was approved. Phone representative confirmed, promised XXXX AAdvantage miles after completing required activities. 
I followed up with Customer Service later. Phone representative again promised XXXX AAdvantage miles after completing required activities. 
After completing required activities, I emailed Customer Service but received a message back on XXXX XXXX to the effect that I would not be receiving the promised XXXX AAdvantage miles. What a disappointment! 
I do have a disclosure that Citibank mailed to me promising the XXXX AAdvantage miles after completing required activities. It is attached. 
I have completed all the required activities. Citibank should have a record of my calls and message. Please ask Citibank to award the promised XXXX AAdvantage miles.

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 2015-10-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
In 2007 I had taken out a home equity loan in the amount {$100000.00} at a interest rate of 7+ % over a 30 year term at a {$690.00} per month payment. I still have my first mortgage, which is through the same bank, Citibank, which I am paying approximately {$1100.00} per month. I 've been trying for over a year to gain a modification from Citibank, because I am now XXXX years old, living on a fixed income. I 've suffered a XXXX over a year ago and had to let go of my second job, which limited my income drastically. My wife whose XXXX income is less than {$8000.00} per year is not able to assist me. This is my second time around in applying for a modification with Citibank, but they keep giving me the runaround, asking for the same documents repetitively. I feel they have no interest in helping me modify this mortgage. As a XXXX, I am requesting the CFPB to help me in getting this modification accomplished.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
The following monthly {$2.00} charges can not be explained by Macy 's : On XXXX XXXX, 2015 I paid the balance of XXXX due on my Macy 's credit card. Since that balance, I have not purchased anything else on my Macy 's credit card. However, I received the following charges : XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$2.00}, actual purchases {$0.00}, credit limit {$600.00} ) XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$4.00}, actual purchases {$0.00}, credit limit {$600.00} ) XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$6.00}, actual purchases {$0.00}, credit limit {$600.00} ) XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$8.00}, actual purchases {$0.00}, credit limit {$100.00} - lowered without notification ) On each of the statements, it stated " Interest Charged '' as {$0.00}. However, " Purchases, Cash Adv, Fees & Other Debits '' as {$2.00}. The store would not let me use the card this holiday season and overheard another shopper with the same problem and the same {$2.00} charge. I was not aware of this {$2.00} charge and it is not explained anywhere. On the phone, I was told that it is " residual interest ''. I paid the remaining balance of {$8.00} on XXXX/XXXX/15 and closed the credit card today XXXX/XXXX/15. 
On XXXX/XXXX/15, I was told by XXXX at extension XXXX that nothing was ever reported to a credit agency and nothing will be reported to a credit agency after I close the credit card. It is only {$8.00} but I need total oversight in order to protect my credit rating from such deceptive practices. Please let me know if I can send you the statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am writing to mark a formal complaint once again concerning the predatory strategy, threatening foreclosure, government loan modification denial that CitiMortgage has been using over the past months to " drain '' of money since they are in the capacity out spend the consumer send the consumer there bill according to legal funding that is looking into my case. 
During my last complain, CitiMortgage committed to steps they CitiMortgage was will to take to resolve what could have be the solution I have been seeking and asking for over the months/years. To the mortgage company has continue their tactics and will not give any attention to what they say they will do the remedy the problem to begin a fresh start. 
Attached, kindly find supporting paper works to support that the action of the CitiMortgage this predatory.

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 2016-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, On XXXX XXXX, I opened a Citigold checking account with a promotion code I had received, namely XXXX. According to the promo, I was promised XXXX XXXX miles upon completion of certain criteria, which I met XX/XX/XXXX. I had contacted Citi multiple times since then. Each time, they told me that I am eligible for the promotion, that I met all the requirements, and that the miles would appear in the next statement cycle. Namely, I was told in XX/XX/XXXX that the miles would appear by XXXX XXXX, was told in XX/XX/XXXX that the miles would appear by XXXX XXXX, and told in XXXX that the miles would appear by XXXX XXXX. I have attached evidence of one such letter from Citi. 
As of the date of the complaint, the miles have still not been rewarded, despite having been promised multiple times that they will be. Given that Citigold is Citi 's highest banking tier, I should have been treated with more courtesy - namely, given what I was contractually promised, after having met the requirements for the offer.

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 2016-07-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I paid for a gym membership in XX/XX/2016 with Citibank CC. 
Payment was received by merchant and access granted to me. 
During XX/XX/XXXX access to facility was denied for no known reason. 
I filed a dispute and money was returned to me. I also contacted the merchant who said access was denied in error. We agreed to make a new contract in XXXX 2016. 
During XXXX 2016 Citicards REVERSED the item and recharged me. I have emailed and called numerous times to get it removed permanently but to no resolution!

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 2016-07-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hello, I opened a checking account with Citibank online on XX/XX/2016. The account is a citigold and I opened it online and used a promotional code to receive XXXX XXXX miles. I had to meet certain spending and payment requirements within three months, which I did. When I opened the account online I used this promotional code XXXX, which was then confirmed as valid. Three months later, I followed up via chat online with a representative of Citibank who confirmed that I was eligible for the promotion. XX/XX/XXXX I sent a secure message to citibank to follow up on the promotion as I had already waited 90 days since meeting the requirements and no miles were posted to my account. The reply to that message as that I was not eligible for the promotion. Thus I am following up with a complaint to the consumer finance protection bureau as I believe Citibank misled the potential consumers. 
I have participated in many other promotions online for finance institutions and when I was not eligible for a specific promotion, the system would let me know as I was taking steps to open an account. Citibank 's actions are not acceptable as I spent time and money to open the account, invest funds, set up payments, follow up on the promotion, with contradicting messages from the representatives. 
Thank you, 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 explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX, 2016 Consumer Financial Protection Bureau Case # XXXX, XXXX XXXX Department of Insurance & Financial Services Case # XXXX Dear CFPB & DIFS : This letter is regarding above case numbers and CFPB 's press release dated : XXXX XXXX, 2016. 
CONSUMER FINANCIAL PROTECTION BUREAU ORDERS CITIBANK TO PROVIDE RELIEF TO CONSUMERS FOR ILLEGAL DEBT SALES AND COLLECTION PRACTICES " Citibank sent inaccurate information to buyers when it sold off credit card debt and it also used law firms that altered court documents, '' said CFPB Director XXXX XXXX. " Today 's action provides redress to consumers who were victimized by slipshod practices as part of our ongoing work to fight abuses in the debt collection market. '' Will you please take a look at above case numbers! You will see that Citibank , N.A . via XXXX , XXXX XXXX XXXX of XXXX, XXXX as well as XXXX , XXXX XXXX XXXX of XXXX, XXXX did the same thing in above case number! We have yet to see any enforcement action here in Michigan. 
Redress is all we ask! 
Respectfully, XXXX & XXXX XXXX XXXX XXXX XXXX. 
XXXX, 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 explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Sears/CBNA is reported an adversed information on my account, saying it was 30 days delinquent XXXX XXXX XXXX XXXX when it should not have been. Sears sent out a statement to me some time in XXXX XXXX, but the mail was undelivered. I never received my statement and when I finally received a call from Sears, I made a payment right away. I have never been late and Sears have records of the mail being undelivered. I called twice to Sears to dispute this, but they say I have to dispute it with the Credit Bureaus, which I have. The Credit Bureaus did an investigation and it is still showing as an adverse account ( my ONLY XXXX with a negative mark! ). I am very distressed at the damage this is effecting my good credit standing. Because of this XXXX mistake on my credit report, I have been wrongfully denied credit recently for a refinance on my home, which was highly embarrassing.

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