vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a copy of the email I sent to CitiBank, concerning their deceptive policy regarding autopay which advertises that the will pay off the balance on the due due date, but they keep advancing the due date in the hopes that the consumer will build up such a big balance that they will be unable to pay it off without incumbering debt. 

I am convinced that autopay does not exist with this card. Today is XXXX XXXX. The balance is approx. {$8500.00}. But the scheduled payment has been delayed till XX/XX/XXXX. This is a deceptive practice designed to create a large balance on the consumer 's bill. I paid the {$8500.00} myself to XXXX out the bill. Clearly Citi Bank will not use the autopay feature as requested. And their explanation of the feature makes no sense at all. I will complain about this deceptive practice to the California State Attorney General. 
Bottom Line -- they do not let consumer 's XXXX out their bill on a monthly basis using Autopay. It is the only card I 'm aware of that uses this debt encouraging practice. Very XXXX. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Citibank closed my account because of " suspicious activity '' which was me going to a XXXX XXXX store to make copies and scan documents. I had to call and go over hoops in order to have my account reopened. They asked me for extended verification information even though I had done absolutely nothing wrong. Furthermore, whenever I deposit a check now to my account they intentionall add excessive delays in order to process the checks. Citibank is engaging in a pattern of harassment and unfair business practices. In addition, Citibank has taken over {$500.00} in overdrafted fees from my account just this year XXXX 2015 ). Citibank is illegally retaliating against me with their harassment and unfair business practices because I have previously filed complaints against them with the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received a call from citi stating that i had opened a credit card with them and I told them I had not so on XXXX XXXX, 2016 I sent them a letter requesting that they provide me with validation persuant to FDCPA meaning competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation with them and they did not provide this information. I also explained to them that any negative mark placed on my credit report for a debt that I did not owe was a violation of the FDCPA sec 807 { 15 USC 1962e } : and I gave them 30 days to validate or delete this account and they did not nor did they mark it as disputed as required by the FCRA. I then sent them a second request on XXXX XXXX, 2016 to validate and provide proof of this account and to this day they have not done such they sold this account to a collection company called XXXX XXXX and I sent them a cease and desist letter because I do not have a financial obligation with them and they can not provide me with a signed contract stating that i owe this debt. I am requesting that CITI remove this account immediately from all XXXX credit bureaus ( XXXX, XXXX and XXXX ) as i have requested validation of this account and they are both unable to and unwilling to provide me with the proof that I am requesting, I am keeping records of my transactions with them and am willing to take them to court and file a defamation and a reporting of inaccurate information case in both federal and state court.

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 2015-07-20 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We are in the process of selling our house and title company found that in 2010, I was sued by Citibank. No one ever contacted me about it. I was never served in person or by mail. Therefore a judgment was made in their favor. I was told to call the Recovery dept. to find out any information, the payoff amount. etc. ( I did this on XXXX XXXX ). I was told that they would forward my information to the dept. and they would call me back in 3 days. I waited and never received a call. I have since then called almost every day to try and get an answer or to talk to someone. I keep getting the same stock answer that someone will have to call me back, I ca n't talk to anyone directly. Today ( XXXX XXXX ) is day 7 and when I called I got the same answer. Our buyer is about to back out of the purchase of our house. I do n't understand why I ca n't talk to someone when I call. We are at their mercy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-24 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
BANK 'S PROCEDURE WHEN ACCEPTING CREDIT CARD PAYMENT. This past week I went to my local Citibank located on XXXX in XXXX, NY in order to make a payment on my Citibank MasterCard. I gave 2 checks to the teller without any problem which were drawn from two accounts I have from another bank. I then gave her cash. At that point, she asked for my ID and asked for my occupation. I was told by the teller that this is Citibank 's procedure for taking cash for any payment. When I questioned the bank manager about the inquiry into my occupation ( I, by the way, have none since I am retired ) I was told that I could avoid the questions by either using the ATM or opening a checking account with them. I told the manager that I wanted the personal service of taking my payment ( s ) and of receiving the receipt. She told me that there was nothing she could do about it. We parted agreeing to disagree. 
QUESTION : Is it legal to ask for this information when making a payment? I am giving THEM money. If so, why? I 'm handing them cash! I could understand wanting ID for a check. If this is not legal, the procedure needs to stop.

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 2015-09-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
1. Tried to request an online refund within 10 days of a previous online refund. Website verbiage misleading, making customer believe that ( s ) he can call customer service to request a refund. 
2. Called citi government credit card services. Entered XXXX digit credit card number and last XXXX of SSN via touch-tone keypad to validate my identity. Once I forwarded to a customer service representative, required to provide XXXX credit card number and last XXXX of SSN verbally over the phone. ( a ) Inefficient - wastes customer 's time & ( b ) security concern - XXXX digit card number and last XXXX of SSN must be passed verbally over phone to customer service rep. I made this call from my workplace & co-workers to my left and right could have copied my information. Completely unsatisfactory. 
3. Customer feedback? Asked my customer service representative to take-down the XXXX concerns outlined above ( XXXX ). Customer service rep did not have a means to collect customer concerns. Asked for her supervisor. Supervisor did not know of a means to collect customer concerns. Sent back to customer service rep to " copy down '' my concerns. If a multi-billion dollar company does not have a means to collect customer comments, it is highly doubtful a customer concern will be heard by management, much less reviewed or implemented. Additionally, Government website does not provide a link to provide feedback : XXXX classic=2Found this online customer feedback link after a google search. Recommend providing a link on the government credit card online banking website to collect, review, and implement constructive customer feedback. 
This XXXX phone call and this survey only solidifies my 20-year loyalty to XXXX and XXXX. After today, I will be reticent to use citi for any of my banking or mortgage needs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX, 2016, I mailed USPS certified letters to the credit bureaus XXXX I want to know who verified these accounts? A full investigation was not completed in regards to these accounts, XXXX & XXXX & XXXX XXXX XXXX. The following companies never sent original creditors documentation on file to verify information is correct and accurate. I stated please do n't respond to my request by saying these accounts have been verified by the information provide. I did not give these companies permission to publish unverified information on my credit file. I have the right to demand the following listed accounts be legally verified or remove inaccurate credit 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 explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I received an offer from Citi Bank. The offer stated that if I opened a new Citi Gold Checking account and used their bill pay function on the account for two consecutive months then I would receive a promotional offer. The promotional offer was for XXXX thank you points. I signed up for the new account and I met all of the requirements to get the bonus offer. I also sent them XXXX direct messages on their website asking them if I had done everything I needed to do to get the offer. They assured me XXXX times that I had met all the requirements and that I would be receiving the XXXX thank you points within 90 days. I waited 90 days and I never received the points. I just contacted them again and now they are saying they are not going to give me the XXXX thank you points like they promised they would.

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 2015-12-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Have been attempting to conduct a Short Sale with Citi Mortgage - unsuccessfully. Citi has been unresponsive, has not returned calls or emails and fails to fulfill what they indicate they will do. Here is a quick timeline summary. 
XXXX - Submitted a FULL & COMPLETE Short Sale Package to Citi XXXX - Called Citi and confirmed receipt of the package XXXX - Conducted a successful phone interview for short sale pre-qualification, then scheduled a callback for XXXX. 
XXXX - Received the scheduled call back from XXXX XXXX XXXX. He reviewed all documents with me on the phone and said the package was complete and also that the previously completed BPO ( valuation ) was still current. He indicated the file would be forwarded to a negotiator that same day and that XXXX would call me the following week with an update. 
XXXX thru XXXX - During this time I tried to call 6 times, spoke to 2 different Managers, emailed XXXX 2 times and scheduled 2 additional callbacks -- all communication attempts were unsuccessful. I was however able to determine that the file WAS NOT sent to a negotiator. Also no one else could discuss the file and XXXX was never available and Citi 's phone system does not allow an outside caller to reach a specific extension or person. 
XXXX - Finally reached XXXX XXXX who indicated ( again ) that the file was complete and he would rush the file to underwriting, as a precursor to going to a negotiator. I scheduled a callback for XXXX. 
XXXX - Spoke to XXXX XXXX who indicated the underwriter did approve the relocation assistance for the seller and that the file was being assigned to a negotiator ( as we spoke ). He indicated he would get the negotiators contact information and call me right back. 
XXXX - Still no call back

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: TX

Complaint narrative:
I opened a checking account with Citibank and was promised a signup offer of XXXX XXXX XXXX Miles to be posted after meeting certain criteria. I have met these criteria and received a letter stating that I qualified for the bonus AND met the criteria. Only recently that I had inquired about the missing miles, that I was told that I had not qualified for this offer even though I have a written letter from Citibank that I qualify for the bonus as well as confirmation of meeting the requirements. It is wrong that Citibank decided to change their minds after I opened the account and met the requirements.

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 2017-03-08 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
After open a business account for a new business, I applied for a CitiBusiness AAdvantage Platinum Select World Master Card. 
This application was rejected, I called Citi and the representative did a manual revision of the application and was rejected for a second time, she told me that I will receive a letter explaining the reason why the credit card was denied. 
For my surprise the reason was : THE CREDIT REPORT SHOW DEROGATORY PAYMENT HISTORY After read this I was very worry, because I been very responsable with my finances. 
I called CitiCards ( XXXX ) they told me that the decision was made based on XXXX and they recommend me to call them. I did and a rep from XXXX told me that they dont have any information on file about this business and send me an email with this explanation ( of course this is a new business ) Due to the application was made based on my personal credit history I decided to call the Bureau of Credit and they send me my personal credit report that dont show any late payment or derogaroty payment history as they said. 
Base on the Equal Credit Opportunity Act ( prohibits creditors from discrimination ) I consider that I was a victim of a discrimination by Citi and in order to support your decision CitiBank used FALSE INFORMATION that is not contained on my business or personal Credits Reports. 
Im sending for your review XXXX Copy of the letter sent by CitiBank XXXX 
2- Copy of the email sent by XXXX 3- Copy of my personal credit report. 
I strongly request an investigation in order to know what kind of information Citi used to conclude " Derogatory payment history '' Im not complaining about their decision. My concern is the FALSE INFORMATION they used to conclude that.

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 2016-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was targeted for an offer for XXXX AA miles if I open a new citi gold account and pay XXXX bills as well as use the debit card for at least {$1000.00}. I completed the requirements and CITI confirmed that I met all the requirement and would be receiving my miles within 90 days. The 90 days passed in XXXX. I have submitted several requests to CITI for my miles and have yet to receive them.

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 2016-07-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a Citigold checking account over the phone on XXXX XXXX, 2015. At that time, I asked the Citigold representative to put a promotion offer code I received in mail in the system before he submitted my application. The promotion code is " XXXX ''. With that code and my existing Citi XXXX credit card, the Citigold representative confirmed that I would be receiving XXXX miles for opening this Citigold account as long as I spend at least {$1000.00} with my Citigold debit card and make XXXX consecutive bill payments using the Citigold checking account. 

I then fulfilled the spending and bill payment requirements using this account. After that, I contacted Citigold customer service again on XXXX XXXX to check when I would be getting XXXX XXXX miles. The representative checked the details of my account and told me all of the requirements had been met and the promotion XXXX would be deposited to my XXXX account no later than 90 days. She also confirmed my XXXX XXXX account number. With the confirmation, I was expecting that the XXXX XXXX will be available in my XXXX account by the end of XXXX. 

However, I still have n't received anything for the promotion offer so far. I contacted Citigold customer service at the end of XXXX and they said they would set up a case for me to investigate the issue. So the case was set up on XXXX XXXX and they told the case would be resolved by XXXX XXXX. But I have n't received any response from Citi since then. 

This is totally not acceptable and I 'm very disappointed with Citi. Therefore, I 'm submitting a complaint here to request Citi to give me the XXXX XXXX, as said by the mail offer originally.

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 2016-02-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The rep at Citibank, XXXX XXXX XXXX XXXX Ca, XXXX XXXX, may be erroneously selling loan products tied to checking accounts to XXXX people. My parents went in to open a checking account and was asked for XXXX paperwork and had no idea why this was being requested. I tried calling the office but could not get through to the office for over an hour. I do n't live in the are so I can not drive to the location. Please address this situation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I made a purchase using my Citibank card to purchase an evaluation ( 14 days ) product at a price of {$4.00} ( used internet ). The web site stated I could cancel at any time. I then seen a additional charge was added for {$89.00} ( XXXX ). I called their number as listed in the terms agreement but only got a looping message. I then learned that this was a scam. I filed a dispute with Citibank. They gave me credit then reversed shortly after. Citibank sent me a copy of the terms agreement sent by XXXX. I sent a copy of the terms agreement as stated on the web site ( plus provided Citi with the web link. ) Citibank excepted this false terms and agreement and nere told me of their finding. I should also point out that the dispute was issued XX/XX/2016. When I checked the charge date on my bank statement it listed XXXX different dates XX/XX/XXXX and XX/XX/XXXX. I looked back at two month statements and XXXX % of my charges only had one. I have asked Citybank now 4 times to explain why XXXX % past charges had only XXXX date and the {$4.00} charge for XXXX had XXXX dates. This is imporant since they are claiming 14 day notice was not met. Citibank never answered the question even after asking 4 times. I would also like to point that in the letters I did receive from Citibank they listed all XXXX numbers of my account ( not just the last XXXX numbers ). This is shown twice in their letters. Once I saw this I blocked my account. When it was done again I canceled my account.

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 2016-05-14 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 was made aware of a signup bonus of XXXX XXXX XXXX AAdvantage points for opening a Citigold Checking Account at CitiBank. I opened the account in-branch, having confirmed verbally with the banker that I was eligible, and had the promotion attached to the account. He specifically checked for the existence of a Citi AAdvantage Mastercard on my account and noted that had I not had one, I would not have been eligible. I further confirmed by email with the banker that the bill pay I set up would meet the requirements of eligibility, and received a response in the affirmative. Having completed the eligibility requirements, I inquired with Citi about when I would receive these points and was told they would not be honoring the offer. I appealed this decision, and then escalated it one more time, each receiving the same form response that I was not eligible for the promotion. There are widespread complaints about Citi also doing this to other people, and I believe it qualifies as deceptive and misleading. I would not have signed up without this promotion.

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