vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX Citi ThankYou Points upon completion of at least one qualifying bill payment to the new checking account each month for two consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 

After completing the requirements, I messaged Citibank on XXXX XXXX, 2016 via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. On XXXX XXXX, 2016, Citibank confirmed that the requirements had been met and that I should receive XXXX ThankYou Points by XX/XX/2016. A copy of this communication from Citibank ( reference XXXX XXXX confirming enrollment in the promotion and completion of the requirements is attached. 

As of the date of this complaint, the ThankYou Points have still not been deposited to my account, despite them having been promised by XX/XX/2016. I note that the terms and condition of the offer state that " The bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, technically, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, 2016, which is ninety ( 90 ) calendar days from the date on which Citi confirmed the requirements were completed ( XXXX XXXX, 2016 ).

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 2015-11-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XXXX XXXX 2015 my father died. Consequently I incurred a lot of funeral and death related expenses. I paid {$5500.00} on my account. An error was made and Citibank tried to retrieve {$6500.00} and my bank said there were " insufficiant funds ''. Citibank did not inform me immediately of this and tried to retrieve the {$6500.00} two more times. Again NEVER informing me via email or otherwise that my bank had not paid. On XXXX XXXX I realized the error and Citibank told me to pay. I immediateIy paid {$12000.00} on XXXX XXXX, 2015 ( clear XXXX ) and a further {$3500.00} on XXXX XXXX, thus paying off my ENTIRE balance. I was originally told that I would be able to use my credit card once I made the payment and did everything they told me to do. please note that I was NEVER behind on a payment, my intention was to simply pay down the balance. 

Citibank unjustly closed my account based on what is clearly an error, and clearly their error. Their letter ( attached ) states it was closed after several " mulitiple returned payments ''. yet there was only XXXX payment returned and they failed to immediately inform me. ( I had signed up for electronic alerts ). This has caused a snowball effect : I no longer have any credit cards ( this was my only credit card ) and they have unfairly reported this to credit agencies saying my account was closed due to unpaid balance. This is completely unfair and I believe illegal because I 've NEVER EVER had any unpaid balances or late payments with Citibank. 

I would also like to point out that Citibank failed in their duty to protect and help me as a traveller. In fact, when I was made aware of the returned payment problem, i was in XXXX XXXX DURING THE TERRORIST ATTACKS. I had purchased my ticket using my Citibank XXXX Mastercard that had travellers ' protection. They closed my account while I was stranded in XXXX during the terrorist attacks that occurred XXXX XXXX 2015 and Citibank closed my account and would not help me. I would also say they took advantage my father 's recent death because they knew that the expenses incurred were primarily from the funeral. ( see Citibank statement XXXX XXXX XXXX funeral home. Also note that expense there after, housecleaning, flowers, etc are all linked to my dad 's funeral ).

Company public response: Company 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: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We received the attached letter from Citibank regarding their mortgage refund program related to our mortgage we had with them in 2006. They are now giving us the paperwork run-around while trying to claim our refund. When I called the number listed in the letter about questions regarding the documentation and process requirements, the ( 3 ) people who answered my call had no idea what I was talking about. Citibank was ordered to refund cash strapped homeowners when the housing bubble burst and now they are making it next to impossible to get our refund! I 've attached the letter in question for your use.

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 2015-04-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I hired a service provider to develop a website for me and this never occurred. I then contacted the XXXX credit card company 's ( I paid the bill using XXXX credit cards ) and told them about the situation. Both credit card companies opened up disputes and XXXX credit card company XXXX citibank XXXX after 90 days said that they could no longer offer me assistance because it was past their time frame. The other company XXXX XXXX XXXX said that no billing error has occurred and that the merchant has shown that all billing information matches my information and that I was working with the merchant for website development. Obviously this is the case, since I hired them and gave them my credit card information. I gave XXXX credit card companies ( Citi Bank and XXXX XXXX all of the information that I could. CitiBank is trying to hold me accountable for almost {$2500.00} and XXXX for almost {$1500.00} I called the merchant and they too, are unwilling to help me with the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Solidus Group LLC.
State: AZ

Complaint narrative:
I could afford it any longer. I defaulted on it. The company is XXXX cash advance. They are rude and threatening me and with legal actions. They called my son and said that he was on the application which is not true. I told them to never call my son and they said i had not rights to call and make demands, who did i think i was and so forth. I called and got the name of the company. Delaware XXXX. XXXX XXXX XXXX XXXX De XXXX fax XXXX XXXX XXXX i want them to stop calling my son

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
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: SC

Complaint narrative:
I opened a Citigold checking account in XXXX XXXX because I had received a promotion from CITI to receive XXXX bonus Aadvantage miles after completing certain requirements which I met back in XX/XX/XXXX. I contacted Citi in XX/XX/XXXX to confirm the offer and was advised I did have the offer on my account. The offer required the use of their bill pay service for 2 months and at least {$1000.00} in purchases on my debit card which I completed XX/XX/XXXX. 

I then reached out to Citi on XXXX XXXX and was advised ( see attached conversation w/ customer service online ) that I had met the requirements and confirmed in writing that I would receive the XXXX bonus miles w/in 90 days. 

XXXX XXXX, I had still not received the miles and so I reached out to Citi ( see attached email letter from Citi ) and was advised that once again Citi agreed that I had met the requirements for the offer and that I would have the miles by XXXX/XXXX/XXXX. 

The miles never posted to my account and XX/XX/XXXX I was advised that I need to wait another 30 days for the posting. I then recontacted Citi XXXX XXXX when the miles still did not show up in my account. 

I have now received a letter from Citi stating that I never had the offer on my account in the first place and that they will not honor it. I had confirmation multiple times from Citi that this offer was on my account and that I had fulfilled the requirements of this offer. I have also been charged {$90.00} in monthly service fees since completing the offer even though Citi is not fulfilling their commitment.

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 2017-02-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
COSTCO and XXXX XXXX entered into an arrangement that promoted XXXX XXXX credit cards and COSTCO membership. I agreed to obtain an XXXX XXXX card and a COSTCO membership pursuant to this agreement. For reasons known to XXXX XXXX and COSTCO, they terminated this agreement with terminated my XXXX XXXX card. 

COSTCO sought to recreate this arrangement with XXXX, a different credit card company ( issued by CitiBank ). To promote this new agreement, XXXX sent me a credit card which I immediately destroyed and never validated. Notwithstanding my refusal to enter into an agreement with XXXX, COSTCO charged a new membership ( that I had not authorized ) to the Visa card that I had destroyed. I had decided that I would not renew my existing membership with COSTCO and I refused the Visa card. 

Nevertheless, COSTCO charged to the XXXX credit card I had not authorized a new membership with COSTCO that I had not authorized. When I objected to this, XXXX told me that I must speak with COSTCO about this, rather than considering this to be a fraudulent charge that I had not authorized to a credit card I had not authorized.

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 2016-09-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi failed to investigate a fraudulent charge in the amount of 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 2015-06-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I cosigned a loan for my daughter who lives XXXX. Citibank was not sending statements or correspondence regarding this loan. When my daughter called to make a work out because she does not make enough money they denied her request. We made numerous attempts to work with them for a better payment plan with their suggestion. They would have us submit everything then say she was not eligible. We spoke to them in XXXX of 2015 and said we would pay as much as we could each month and hope to consolidate the loans, they said we were NOT in danger of default as money has been paid. Last month we received a letter from a lawyer saying the loan was charged off. I am the cosigner and was never notified or given a chance to bring it current for my daughter. I have contacted them via phone and letter ( see attached ) they have been rude and unwilling to discuss this with me, only stating that a letter was sent. They can not provide any information as to how the letter was sent and why I was n't notified. They only informed us that they do not negotiate with students that live XXXX. I am the cosigner living in the US and they would not assist me but are damaging my credit. I cosigned in good faith and the bank did not notify me of any issues with the loan. 
I have sent letters to Citibank which all went unanswered, when I phoned to inquire I was told there is nothing the bank is willing to do. I have a payment history and have been making payments which I thought were in addition to payments they were receiving which would have reduced the interest. Since Citibank has failed to notify me as the cosigner they did not give me the option to assume the loan as I committed to. I 'm very upset with the lack of response and support. More than XXXX has been paid on this loan, it is not as if this loan was ignored. I should have been notified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
We filed a travel insurance claim with Citi Cards, due to travel delays on a trip to XXXX in XXXX 2015. We were denied the claim as we had used XXXX/Citi cards miles to obtain the flights for this vacation. In the Citi cards literature it states that you must pay for the trip with the card to get travel insurance benefits, but it does not say that you can not use frequent flyer miles to get that benefit. We had paid for everything on the trip with the Citi card. While this travel insurance claim was minor in dollar value, I am far more concerned about the larger implications of this deception. For example, I recently traveled to XXXX and relied on Citi 's documentation on rental car insurance coverage ( including a coverage letter from Citi ) and therefore, declined the rental car company 's insurance. Had I been in an accident in XXXX and incurred significant costs for damage, I would now be liable for that cost, as again, I used frequent flyer miles for the plane ticket. ( note that the trip to XXXX was prior to Citi denying the earlier claim ). What is so misleading about Citi 's advertising is that the frequent flyer program is XXXX of the same benefits that Citi and XXXX XXXX promote with their card, in the same advertising/documentation as the travel insurance benefits - so one would expect that people would use miles to pay for some of their travel, which in turn, invalidates any later travel 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 monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have a Mortgage with Citi Mortgage Financial. As of XX/XX/XXXX, I no longer receive Statements from them. I called and was directed to the Bankruptcy Division of Citi. My wife had filed Bankruptcy in XX/XX/XXXX or XX/XX/XXXX, we were and we still separated. Though not Legally. I was informed that due the Dodd-Franck Act, i no longer would receive statement from them regarding my Mortgage Payments. from my understanding My wife bankruptcy has been Discharged. I have never filed Bankruptcy. I was told by Citi, due to the Dodd-Franck Act, they no longer are allowed to send me Statements. I was informed My home was included in the Bankruptcy and it was ( Affirmed In the Bankruptcy ). They also Stated that if they send me Monthly Statements they could be sued by the Government. I was told that because of the Bankruptcy i could walk away from my Home with no Actions against me from Citi. My question, if this Bankruptcy has been Discharged why are they not sending me statements. This Happened with no advance notice from them. They knew this was taking place before hand. I want My Statements sent to me. What Legal rights do i ( THE CONSUMER ) have? I have a right, regardless of what took Place of almost ( 8 ) years ago. I feel that they are not being Forthcoming with what my true Rights are, besides Being able to walk away from my home, when I never filed bankruptcy and was never aware of the Actions that took place. They said I could Re Finance My home to get My wife name off the Mortgage. Michigan as I am aware does not have Legal separation and we are not Divorced. My conversation with there representatives, gave me the impression they were not aware of these Stated conditions. Do I have a Legal right to take Citi to court or make tham produce Written Proof why they took this Action. It is not Fair to me. I have aright to my Monthly Statements Regardless of this Government Act. It does not Protect The Consumer at all if the Mortgage Service-rs can do this to their Customers with out warning and no clear explanation. It is not right!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I left the country on XXXX XXXX 2015 and returned on XXXX XXXX, XXXX. My son was in charge of paying all my bills during the time I was abroad. All my bills were sent to my address in paper format. Thus, my son would come to my house open my mail and proceed to pay my bills. 
The problem emerged with my Citicard credit card when this credit card company changed-without my permission or knowledge- the billing format from paper to paperless. 
Unbeknownst to my son there were 2 payments that were not payed due to the credit card company 's illegal decision to make the change from paper to paperless. 
While I was XXXX- I had no access to my Citibank credit card internet account, and my son ( nobody else for that matter ) had NO access to my password to this account.. Therefore it is impossible that we would change the format of billing. 
When I got back home to the states, I checked my e-mail and realized what had taken place. I immediately called Citicard and began a chat with one of their agents who admitted that Citicard had changed their form of billing. I also requested that they reverse the late charge fees, as they immediately received my complete payment. They did reverse the late charge, and they received my complete payment. 
Days after I thought that this situation was resolved, since they reversed the late charges and seemingly understood what had taken place, I receive a letter ( copy attached ) stating that due to the 2 late payments, Citibank is decreasing my credit limit. 
I called Citibank as a result of this letter, and after reaching an agent who ca n't help me with this situation, I am assured that a superviso was not available and would call me within 24 to 48 hours. No supervisor from Citicard has called yet. A week has transpired since they promise they would call me back. 
Not only they have decreased my credit limit, they said that they have reported the late payments to the credit reporting agencies. My FICO score has been in the XXXX or higher for years. 
My desired resolution is that Citicard : 1. Restores my credit limit 2. Restores my good credit by clarifying the reason why these payments were late. Citibank CHANGED MY FORM OF BILLING TO PAPERLESS WITHOUT MY KNOWLEDGE OR PERMISSION.

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 2015-12-11 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
regarding citi account : XXXX Since XXXX, I have paid {$6.00} in interest and {$100.00} in fees on a balance that I called and scheduled a transfer for. I thought the account was paid in full, and that I had called and asked for the account to be closed. Citi did not close the account, and they did not make the transfer as requested. however, they did STOP sending monthly statements so I was unaware that they had not completed the transaction. 
I discovered that there was a remaining balance when they called my house on Saturday XXXX XXXX at XXXX XXXX and discussed my credit past due with someone in my household without confirming that they were speaking with me. When I called to pay off the balance in full, they could not calculate a final pay off number, so I have to pay off the remaining balance of interest again next month. Terrible experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My husband and I opened a Citigold account together as we received a mailer offering XXXX XXXX for opening the account and meeting certain requirements. We spoke to a representative to confirm that we were both targeted for the offer. The requirements included depositing {$50000.00} into the account, doing on line bill payments for two consecutive months and using the debit card for a {$1000.00} spend. BothXXXX my husband and I did these requirements together. He received his XXXX miles ( although not without a struggle ) - but I have not received mine. The bank is now trying to tell me that I was not targeted

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