vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Costco credit card was unfortunately transitioned from XXXX to Citi. I was enrolled in both e-statements AND autopay with XXXX. When the card transitioned, my balance moved to Citi and I was unable to access my account on XXXX. I waited until I received my new Citi card before I could set up online access with Citi. However, by the time I got my new Citi card and was able to set up online access, my payment due date had already passed. Citi never sent me a paper or email statement so I could pay the bill and I did not yet have access to the Citi website to pay my bill. Citi did not, however, port over my auto pay enrollment, so my payment is now late. I am trying to call Citi to resolve the issue, but I have been on hold for over 15 minutes without an indication of when I might be able to speak to someone. Citi does not offer to have somebody call me back once a call representative is available and they do not give wait times - rather, they seem to expect customers to wait on hold indefinitely to fix problems arising from their poor transition.

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 2016-09-11 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I previously filed a complaint for charges made by Citibank to my credit card for credit protection fees. My complaint number is Case number XXXX You indicated that Citibank issued a credit to me for {$30000.00} What Citibank did was issue this credit which brought my account to a negative balance but Citibank Still charged and collected {$8400.00} in payments and charged {$6200.00} in interest on a negative balance. Then charged XXXX for new credit protection. 

If you take the credit and deduct new charges and collections by Citibank the credit they issued is only {$14000.00} Look at the attached summary numbers are in black and white. Citibank still owes me more than XXXX in credits. Please assist me in collecting these funds.

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 2016-10-07 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CitiCards said they were going to do a " soft pull '' when I asked for a credit line increase but they did a " hard pull '' and it is now on my credt report.

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 2015-06-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I am a victim of the worst customer service credit card, Macy 's. 
On XXXX XXXX, 2010 I spoke to XXXX XXXX XXXX from Macy 's Customer Service were I inquired about phone calls I received indicating that I had a delinquency in my account. She informed me that there was a {$37.00} charge pending payment and I expressed I did not recognized the charge as been my purchase. I also expressed my complete frustration with Macy 's Customer Service because I never received my credit card statements and I had called more than XXXX times to correct my address but always got a Customer Rep from XXXX and not even dictating every single word never got my address corrected. I had to go to the store every month with my receipts to pay in full my credit card. She indicated that my statements came back to Macy 's as undeliverable mail and corrected my address once again. She sent me copy of the {$37.00} receipt ( finally I receive something ) and I still did not recognize the purchase for which reason as she explained I should do ; I sent a dispute via fax to Macy 's XXXX disputing the {$37.00} charge in my account indicating I understood it was fraudulent and requesting an investigation. I also mentioned my complete dissatisfaction with Macy 's very poor Customer Service. Evidently, Macy 's was negligent in processing my dispute and investigation as I ended up with a collections/charged-off account for the first time in my life which has damaged the excellent credit I have been able to build up with many sacrifices over the years. This is a burden I now carry that is impeding me to refinance my mortgage because of my credit being damaged in all three major credit bureaus. 

Needless to say, I am a very responsible and thorough person with all my debts and have never had issues with other lenders where I have over XXXX in credit and all my accounts are paid as agreed. And I would definitely not neglect my credit for a {$37.00} charge!! 

I have been in contact since XXXX XXXX with both Macy 's and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX who now owns my Macy 's account and even XXXX XXXX the collection agency XXXX issued a dispute of the collections/charged-off account to be taken out of my XXXX credit reports. But today is XXXX XXXX and Macy 's has not solved this issue and I still have not been able to refinance my home! 

This has been a nightmare that has no end and Macy 's needs to be held accountable for the damage they cause to clients who like me have a damaged credit because of their own negligence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SFS, Inc
State: CA

Complaint narrative:
Hello. I have couple loans that it is hard to pay right now. I have financial difficulty and I am having trouble paying other my bills too. I just need some solutions, please. I am really looking forward to hearing from you soon. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Firstsource Business Process Services, LLC
State: IN

Complaint narrative:
I obtained a copy of my credit report and noticed that this company was reporting an account that I 'm not familiar with. I disputed it with the bureaus and they continue to report it. I then sent a certified letter to them demanding validation and clarification of what this is and I still have not received any correspondence.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
First of all the number they are calling is a business and does not have a Citibank account. Our company is XXXX XXXX XXXX. We continue to get automated calls telling us this is in regards to our Citibank account ( which they never identify ) and that we are to call XXXX where anyone can help us. I called them and asked them to quit calling us - but it continues. They will not tell me anything about the account, so there is no way for me to stop the calls. I get anywhere from 3 - 5 a day. It 's getting really annoying and disruptive to our business. If there is any individual account that has this number listed as it 's contact number - it needs to be removed because it is a business number, not a personal number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
As per attached letter, Citi admitted that it obtained access to my credit report without my permission. It also stated that it would remove the inquiries back in XXXX. After speaking with the credit agencies, only Citi can remove these inquiries. Please remove them asap. I will hire a lawyer to sue Citi for accessing my credit report. This is illegal.

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 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I signed up for a Citigold account with Citibank with a promotional offer of XXXX AAdvantage miles after meeting certain requirements. I met these requirements more than 6 months and the promotional miles still have not been credited. 

I have contacted Citibank for about 6 or 7 times by now about this issue, and every time I 'm either told the case is under investigation or that they 'll file a new case. Their claim is that i 'm not eligible for this offer, even though I have numerous e-mail communication ( see attached ) from Citibank stating that i 'm eligible offer, that I 've completed all the requirements and will be receiving the miles soon.

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 2016-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I applied for a Citi Gold bank account in XXXX, 2015. The account had a bonus of XXXX thank you points. I contacted Citi several times about this bonus and they consistently told me that I had met all the condtions required to receive it, and would be getting the XXXX thank you points within a few weeks. They told me this over and over again since XXXX. The account comes with a $ XXXX monthly fee, and they continue to bill me each month, but are not living up to their end of the bargain. The customer service at Citi simply tells me " please keep waiting and we 'll post the points eventually '' but it has been over 6 full months since I applied. I refuse to continue to wait and continue to pay a $ XXXX monthly fee. Citi Gold checking accounts are a scam and they are not honoring their promotion, offer code : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Hatfield Portfolio Group LLC.
State: IL

Complaint narrative:
I was called a total of 4-5 times in XXXX hours. I was finally able to answer and when I did so the woman on the phone did not state that she was a debt collector nor did she read a mini miranda she informed me of the balance due without verifying any information. when I spoke to the woman she informed me that if I was unable to make a payment by the company she worked for would file suit against me. I also asked her to sent me proof that she had authority to collect on said account and the original agreement in which she told me she could and instead she sent me a letter from her company on company letter head stating what was owed on the account and the original creditors name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Advertising, marketing or disclosures — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
they issued my XXXX cards and as I understood that the cards can be expired but not the fund. so when my cards expired, I requested for cards to be reissued and they refused to do so. I would like CFPB to look into this matter and protect me as a consumer fairly so I can get my funds back. Please contact me if you need any further information.

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 2015-06-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
on XXXX/XXXX/2015, I called citi to close my account ( paid off with zero balance ), and citi call agent ( Name : XXXX, agent id : XXXX ) gave me a hard time refusing to close my accounts and after XXXX mins of me begging him it was still not clear if my account was closed or not. 
on the same day, XXXX/XXXX/2015, I had to fill a CFPB complaint hoping citi can respond and close my account. Case number : XXXX. 
on XXXX/XXXX/2015, citi responded and claimed my account was closed. But I checked online and my citi online account showed " This account has been converted to a new number. " on the same day, XXXX/XXXX/2015, I followed up on my CFPB complaint to dispute, hoping citi can take real actions to close my account with no further delay. Unfortunately citi did n't respond. 
on XXXX/XXXX/2015, I received a letter through mail from citi celebrating my account has reached 1 year anniversary, stating " your account has been current for the past year. we are confirming that your citi AAdvantage gold world elite master card account has been in good standing for the past 12 months. during that time, you 've kept the account current under the terms of your card agreement we appreciate it. we are working hard to serve you, and we 're always look for ways to do more. feel free to contact us if you have ". A scanned copy is attached XXXX. 
Seriously, citi? I have only XXXX suggestion which you failed for weeks : CLOSE MY ACCOUNT! I would never ever have anything from citi, given this horrible experience. 

When you book future customers, I wish you inform them what process you want your customer do to close their account with you for real? I can fill as many as CFPB complaints, given you do n't address follow-ups.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have fallen behind on my Home Depot Credit Card. When speaking with them to try to resolve this and make a payment arrangement, they asked me to update my contact information. After entering my correct information, I received an e-mail verifying my changes, my contact info has not changed throughout the course of my relationship with them. In the e-mail that they sent me, it includes my relatives phone number and not my own which they have always had. How did they get my relatives phone number and why would they have added it to my account when I did not provide it to them? I do not want anyone to now that I have fallen behind on my payments and it appears to my relative that I had provided their number to Home Depot and not my own. This is such an invasion of privacy. They should not have that number as I never provided it to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Cards has DELETED REWARDS points from my online account : 1. XXXX plus reward points on Prestige Card 2. XXXX plus reward points for Citi Checking Citi Bank cards continue to be incompetent ad DISCRIMINATES attempting to DENY me POINTS!!

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 2017-01-18 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, XXXX people in our household opened up citi checking accounts with a {$400.00} checking account bonus. The promo code was XXXX. We have met all of the requirements and it has been over 2 months since we have met the requirements and no bonus has been put in our accounts. Every time I call in to ask about the bonus they bring up different excuses : we will escalate this to a supervisor, we will investigate, you need to send in XXXX forms, etc.. Citibank has been stonewalling hundreds of customers on this bonus ( I have read of hundreds of others who are having the same problem ).

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 2016-09-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
From XXXX 2016 to present, Citifinancial has continued to report erroneous information on my credit report. I have attached the response I received from them. They state that I took out a loan, secured and defaulted with a property located at XXXX XXXX XXXX XXXX XXXX FL. This would not be possible, since I have never owned a property at such address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account in Citibank with promotion code XXXX. 
The terms of this promotion is as follows : Make an eligible deposit of {$50000.00} or more in new-to-Citibank ( R ) funds into your new Checking or new or existing Citibank Savings Plus account within 30 days after account opening. Maintain a minimum of {$50000.00} for the next 30 days to receive your bonus. The cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. 
THE ACCOUNT WAS OPENED ON XX/XX/XXXX AND THE DEPOSIT OF {$50000.00} WAS COMPLETED ON XX/XX/XXXX. 
PER THE REQUIREMENT, THE BONUS AMOUNT SHOULD HAVE BEEN CREDITED IMMEDIATELY AFTER THE 90 DAY PERIOD WHICH WAS XX/XX/2016. 
I HAVE BEEN CALLING CITIBANK AND ALSO SPOKE TO A MANAGER AT THE CITIBANK XXXX XXXX BRANCH : PERSON : XXXX. AND THEY KEEP TELLING ME TO WAIT AS THEY ARE DOING AN INVESTIGATION ON THIS. 
I WOULD LIKE THE BUREAU TO INTERVENE AND GET ME MY MONEY ASAP. 
THANKS

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 2017-01-24 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Received call on XX/XX/2017 XXXX HRS from XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 

Threatening to take my property including homes and 401k / pension savings plans to pay off credit card debt. My understanding is this is unsecured debt at high interest rates.

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 2017-01-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a Citibank card that was used and paid on time until we had a fraud issue with our bank account. This caused a delay in payment that was communicated to Citibank. I was told by Citibank that they would not report to the credit bureau, but in fact they did. That report brought my credit down significantly and I would like it reversed. I am going through a divorce and need my credit to be in shape in order for me to be approved for a home loan that will issue me and my children a way to stay in our community. Any help with this matter would be sincerely 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 non-monetary relief
Consumer complaint received 2016-11-11 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I had a credit card with Citibank for which they took me to a collection agency. I got an agreement with the collection agency and paid off the credit card. This was back in XXXX 2016 and today XXXX XXXX, 2016 they have not removed the collection from my credit report and its affecting my ability to have a decent credit. I called Citibank like 4-5 time and they stated that they do n't offer deletion letters and could only provide a fax number for me to fax my claim to CitiCard Credit Services to the attention of " Citibank CRB Dispute ''. To this day I have not heard back from Citibank and my credit still showing that collection which should had been removed by now because it 's been more than 60 days since I paid off the debt. I beg for your help to have CitiCard to remove that collection from 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 2015-06-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I recently paid off a Citi card in full before it reached my credit report. When I paid it in XXXX of 2013 it was explained to me that it would not report on my credit report. I recently had my credit report pulled for personal reasons and saw they did report it after it was paid. I would like them to consider removing it off of my credit reports.

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