vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We have an equity line of credit with Citibank that we receive monthly statements. Today we checked our credit and saw that we have a delinquency for an account that we have never used. We called to inquire and they said the term of the account is up ( 15 yrs ) XXXX/XXXX/XXXX and the {$48.00} fee is to pay for the lean release. We have never received any request to pay for the fee or notification that the line of credit is up. On page XXXX of the statement which is on the back of page XXXX and looks boiler plate it was pointed out that it says '' agreement is mature XXXX/XXXX/XXXX '' yet the statement on the front where all the information does not mention anything, nor does it mention that we are past due for the fee, nor does it mention clearly that the account is mature. We have received a statement for every month which means since the " maturity '' we have been mailed a statement from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which does not say anything about the maturity on the front of the paperwork. Nor the request for the {$48.00} fee. If we had not run a credit report we would still not be aware of this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened a CitiBank XXXX Savings account with {$25000.00} on XXXX/XXXX/XXXX with new money to Citi. I opened the account under a special offer, which states that I will receive a {$300.00} cash bonus as long as the money is deposited between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The deposit should also be maintained until XXXX/XXXX/XXXX. I met this requirement and kept the funds in the account until XXXX/XXXX/XXXX. After not receiving the funds, I opened a case with Citi on XXXX/XXXX/XXXX. The case number is XXXX. Since opening the case, I 've also spoken to several people who have been unable to help me. I 've spoken with XXXX XXXX XXXX ) on XXXX/XXXX/XXXX, XXXX XXXX XXXX ) on XXXX/XXXX/XXXX, and XXXX XXXX XXXX ) on XXXX/XXXX/XXXX. I do have screen shots of the account opening disclosures indicating the bonus has been added to the account and the terms and conditions. I have received very poor service from Citi. They have been unwilling to help me. They have also suggest going into a branch, which is impossible since there are none located in Ohio. I would like my account credited the {$300.00} that 's due 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 non-monetary relief
Consumer complaint received 2016-01-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
We sold our home and forwarded mail to a professional sorting facility since we had no permanent address. We received all our mail fine with the exception of the Shell Gas card mailings which we had received for years just fine. We had used the card once in XXXX billing cycle and did not use it further. After a few months I received notification that my credit score had gone from well over XXXX to less than XXXX due to past due reports from Shell/CBNA. As soon as I discovered a balance due ( we had not received any bills from them ) I called to take care of it. When I called customer service they confirmed that they would remove any negative reports sent and admitted they had all the mail in question returned to them ( strange since we had no issue with anyone else ). They removed the late fees and I made payment right then for about {$70.00} which was the total balance. After a couple of weeks I received a letter stating the negative credit reporting they sent would not be removed. I was furious! I called again and they would not budge on their decision. I closed my account with them forever! They have a policy that if you have no balance due you will not receive correspondence. I did not receive anything. They send mail first class which means I should have received it no problem. I have worked years!!!! to have a stellar credit rating and perfect payment history only to have it tarnished by these lousy people. I may as well default on everything if something little like this takes your rating down that fast so easy! Whats the point in trying so hard to do good!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX, I received a notice in the mail from my Home Depot account stating that I needed to use my card or my account would be closed. Not wanting to have my account closed, I made a small purchase of roughly {$45.00}. XX/XX/XXXX, I had updated all my account information after having moved. This was confirmed by the fact that I received the above mentioned notice in the mail at my new address. No statements have EVER been received via mail or email since the time of this purchase. At no time has an attempt to collect payment been made. While I realize I am responsible for this payment, the entire purpose of a statement is to ensure the customer is aware of what payments are in fact due and when they are due. Only while checking my credit score was I made aware that not only was I delinquent and being charged late fees for 5 months, a cease and desist was placed on my account by Citibank. This prevented ANY communication with us, which makes absolutely no sense. How else can they attempt to collect payment if they are n't allowed to contact us? This CA N'T possibly be proper procedure. My credit score has been RADICALLY effected by this and I need to get this taken care as soon as possible. We have attempted to take care of this with Citibank, but I do n't have full confidence that the matter will be appropriately dealt with. We paid the fees immediately in an effort to quickly resolve the problem and hope to be refunded for late fees at a later time. Citibank not having updated our account information correctly is the entire reason this happened. Any help I can get would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Citibank NA in conjunction with Best Buy stopped forwarding credit card statements and further disallowed me from accessing my account online. They state that my account has been closed for nonpayment but ratger than forwarding copies of my credit card statements, they have reissued me a card with Visa as opposed to MasterCard thus adding a tradeline on my credit report for an account that was already considered closed by them. They have done this without notifying me, the account holder, without issuing me a new card and completely refused to allow me online access to set up payments or review any credit card statements. I have been in touch with their Customer Service Department on more than XXXX occasion regarding this and, essentially, have been explained there is nothing they can or would be willing to do to remedy this situation, further delaying any payment they might receieve from me and, to their advantage, adding more interest and fees. 
I have also received various phone calls and messages from people claiming to be representing this financial institution and asking for personal bank account information over the telephone. As my mobile device has been hacked on more than XXXX occasion, and I am no longer receiving preferred, requested communications from them, there is a huge privacy concern regarding their method of operations for this purpose.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Solidus Group LLC.
State: FL

Complaint narrative:
Left a detailed message on my husband 's voicemail ( attached ). Contacted a number of my other relatives sharing information about the alleged debt. Indicated that he was working with the XXXX XXXX Attorney ( who is actually the attorney for the XXXX XXXX XXXX XXXX, not involved in criminal or civil suits ). Alleged debt is fraudulent and has no basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I carried a balance on my credit card from XXXX month to the next. Then when I paid the card in full the following month by the due date my card statement showed that interest had accrued on my account. The company said it was the interest accrued between when the statement was printed and when my money was received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I called XXXX for Citibank XXXX XXXX to dispute a charge. An internet company continues to charge my card monthly for products I am not receiving nor did I order. I attempted to dispute the charge and change my credit card # so this does not happen. I was asked by customer service rep in the XXXX, where the call routed to, for my credit card #, social security #, address, birthdate, security passcode and then my personal bank and checking account #. I gave all the information requested except for my bank account # and they refused to access my account. I escalated the call to supervisor and attempted 4 times to reach a United States Rep because I will not give my checking account # to any stranger on the phone and that is NOT required to access my account. I think this illegal and should be stopped. Please advise

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 2016-11-06 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I have requested and itemized statement from Sears ( Citicorp ) several times from the starting of the account to the present. We still have not received an itemized statement. We want to determine why the balance is so high. Every rep. we have contacted at Sears has given us a different answer from they can not send us an itemized statement to they are sending one out. As stated above we still have not received on.

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 2015-12-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing this complaint in reference to a charge on my AAdvantage Citibank Visa Credit Card account, which I am disputing. At some point in XXXX 2015, my account was victim of fraudulent charges, after which I had to be issued a new card. Upon discovering one the charges ( by XXXX XXXX ), I immediately called the merchant to inform them of that charge ( Ref # XXXX, {$2500.00} ). I also contacted Citibank regarding the fraudulent charge. Citibank promised to investigate the matter but did not readily credit the disputed amount. Given the exorbitant amount of the charge and the fact that I was unsure if the money would be credited back by Citibank, I tried to resolve the matter with the merchant, which took a lot of time and effort. The merchant eventually agreed to issue a courtesy credit of {$300.00} for the pain and suffering that the fraudulent charge had caused me, as well as the amount of time I had spent trying to resolve the issue. Eventually, Citibank also issued a credit on my account for the original amount of the fraudulent charge. On XXXX/XXXX/15, the abovementioned credit of {$300.00} was posted to my account. However, the credit was later reversed on or about XXXX/XXXX/15. When I called Citibank to inquire about why this credit had been reversed, I was informed that the credit had been reversed because I had been given a double credit for the same charge. 
I dispute the fact that I was given a double credit for the same charge. The credit of {$300.00} was specifically issued by the merchant on a voluntary basis, and as a courtesy to compensate me for pain and suffering due to the fraudulent charge and the time spent to try and resolve the issue, while the credit issued by Citibank was for the charge itself. I believe this credit of {$300.00} should either be put back on my account or returned to the merchant, and in no way should be kept by Citibank, as it was specifically issued to me by the merchant and for the specific reasons mentioned above. It would be unlawful for Citibank to intercept and " pocket '' this credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I signed up for a citigold checking account with citibank in XXXX of 2016 under the promotional code XXXX. After signing up for the account I received and printed out the terms and conditions for the promotional offer. The promotional offer entitled me to XXXX thank you points after a set of terms were meant. In XXXX I completed the terms of the offer and asked via a chat session with a Citibank representative when I should receive the XXXX thank you points. The citi Representative informed me that I should receive the XXXX points within 90 days. After 90 days had passed I still had not received the points. I contacted citibank again via chat and again was informed that I should have received the points and that my request was going to be elevated to an upper level. After 3 days, on XXXX XXXX 2016, I received an email saying I was not eligible for the promotion. I called Citibank back on XXXX XXXX to request clarification and was told again that it needed to be elevated to an upper level. On XXXX XXXX I still had not heard back so I called Citibank again. I was told I was not eligible for the promotion and there is nothing they can do about it. 

To summarize I was directly told by XXXX different Citibank representatives that I was eligible for the promotion but they are now refusing to honor it. I have documentation in the form of chat logs of these XXXX occurrences. Citibank did a bait and switch in order to get me to sign up for the account. I have been charged XXXX dollars so far in fees for this account which they are also refusing to refund.

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 2015-07-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I applied for credit from Best Buy, to get their credit card which would entitle me to rewards and discounts. They approved me for reduced credit based upon what they said was my credit score ( XXXX ). Knowing this was a low score and my recent score was much higher I both pulled my score from all XXXX major reporting bureaus and wrote to them sending a full copy of my recent report which showed a minimum of XXXX points higher from the bureau they cited and over XXXX from another, and requested reconsideration. They said to call them. When I did they lied and said they never report a score to the consumer ( see their letter which contradicts this ), misrepresented their report and refused to correct their error. This refusal has cost me the cost of obtaining the report and will cost me both rewards and reduced interest rates on future purchases from this business. I understand this is their typical credit approval tactic and they consistently deny full credit, no matter how creditworthy an applicant may be. They also refused to provide a facsimile number so I could provide additional information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I applied for Citi XXXX with XXXX month 0 % promotional APR and charged on the card on XX/XX/XXXX. On the statement with due date XXXX, it stated the promotion would end in XXXX billing periods. Originally I planned to pay off the full balance by XXXX. However, I forgot about it when I made payment on XX/XX/XXXX and there was remaining balance on the account, and only realized when I received the statement with over {$100.00} interest charge, calculated with the regular interest rate of 18.99 %. To prevent further interest charge, I paid the full balance by the due date. Out of my surprise, I received yet another interest charge close to {$100.00}. After calling the customer service, I was told if there was any balance, it required paying the full balance for XXXX months to prevent any further interest charge. 
Afterwards I read carefully on the statements, and realized that when the balance was not paid off on XX/XX/XXXX, Citi started to accrue the interest, not from XX/XX/XXXX, but from previous due date of XX/XX/XXXX. This calculation may be correct if the interest rate of previous month was already 18.99 %. But in this case, the interest rate of previous month should still be the promotional rate of 0.0 %. So Citi actually collected XXXX more month of interest. 
Citi may argue the promotional rate already ended even earlier. That is exactly the trick they play. Unlike other credit card companies that specifically states the date the promotional rate ends, Citi ambiguously states the rate ends in a certain billing period, with no specific date given. So Citi may argue the promotional rate ends at beginning of the billing period, rather than end of the billing period as we customers would assume. 
For people to prevent from making the same mistake, I recommend applying for cards that states clearly when the promotional period starts and ends, and avoid credit cards vaguely describe how interest charge is calculated, so that you will not be surprised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a mattress at Macy 's in XXXX XXXX, CA on XXXX XXXX, 2016. The mattress was too firm and we called the salesman on XXXX XXXX, 2016 and requested an exchange to a less firm mattress. The salesman, XXXX XXXX XXXX, told us the cost to exchange was {$220.00} and charged our account over the phone. When we received the bill in the mail today, XXXX XXXX, 2016, the charge was well over {$400.00}. We agreed to the price difference of {$220.00} verbally and the charge was for a far greater amount. We have been mislead and deceived.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XXXX/XXXX/15 I applied for a Sears Credit Card at the Sears store in XXXX, NC. I was told that I was denied. The next day, I received a rejection letter in the mail. In XX/XX/XXXX, I requested my credit report and was made aware of Sears reporting I have a credit card with them with a {$130.00} balance and past due amount of {$91.00}. I do not have a SEARS credit card ; nor owe them {$130.00}. I tried to get the information on my report corrected through the credit reporting agencies but they continue to report the information. So, I contacted Sears directly on XXXX/XXXX/15. Customer Service said there were XXXX cards and I was only denied XXXX. They said when they mailed out the card ; it was returned to them undeliverable. So, I asked Sears why are you reporting false information on my report if the credit card was returned to you undeliverable and I do not have a Sears credit card. The representative said they could n't contact me. I explained that if I received the rejection letter in the mail ; then i should have received a credit card that they claimed they sent. I did not move until XX/XX/XXXX and applied for the card on XX/XX/XXXX. Also, no one made an effort to call me. When i received the rejection letter in the mail ; I assumed i was not approved for the card. One rep would not take it off. I talked to another Rep and she said she would update my address, my report and send me the credit card. I have not received anything in the mail from them still and still have not been able to get this corrected on my credit report. SEARS is still reporting I owe {$130.00}, past due balance AND i do not have a credit card from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was trying to get pre approved for a mortgage and saw a collection from CBNA in the amount of XXXX with no description of what is was in reference to and I 'd never seen this before and was never contacted in the past to settle this debt. The only contact info was PO Box and claim #

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