vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-20 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank XXXX XXXX has increased my interest rate to 29.99 %. I understand that this is their rules when someone pays late but I was only a few days late. I see this as unreasonable punishment since they also hit you with a late fee as well. My balance on my card is only $ XXXX out of $ XXXX credit limit. I have been a long time customer of Citi.

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 2015-09-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I have had a Macy 's credit card XX/XX/XXXX as this is the best way to get coupons and save money purchasing items in the store. The discounts are good. Up until about the XX/XX/XXXX I have not had an issue with my card. I pay off my card immediately after using it and I only have it to get a better deal. The sales people push their line of credit while you check out in the store. On XXXX XXXX I made a purchase of {$150.00} and paid it online when I returned home through the Macy 's Credit Card site I never received a statement, I am signed up for paperless statements through my email. This did n't surprise me because I had already paid the bill and did n't have a balance, or so I thought. At the XX/XX/XXXX I was billed {$150.00} plus a {$25.00} late charge and finance fees. The bill was now {$180.00} and change. I called Macy 's who said my bank must not have processed it. I called my bank who told me that the issue is with Macy 's site as that payment was made on their system. I called Macy 's again..They were not helpful and continued to blame my bank. At that point I made XXXX payments in XXXX to get the balance to zero as I do n't want to ruin my credit. I did n't use the card again until XXXX days ago XX/XX/XXXX. The bill was {$56.00}. I was about to login today to pay the balance when I received an email with my Macy 's statement which seemed odd since I had just made the purchase. The bill was {$60.00} and change. I attempted to login to the website to see what the extra {$4.00} charge was. The site was down. I called Macy 's credit card customer service and spoke to XXXX different people before my issue was resolved. I spent over an hour on the phone. XXXX of the persons I spoke to did say the site was down and that some could login and others could n't. I do n't believe the first person even listened to what I was saying and kept trying to get me too pay the minimum {$4.00} payment and telling me that there was a late charge as the bill was due XXXX. I explained to him multiple times that I received the bill today so I could n't understand how there was a fee on a product I bought XXXX days prior. I am annoyed that I did n't pursue the fees from XXXX. I did some research and I noticed there are many others complaining about the same issues I had, website not working, getting late fees and not receiving statements. I believe this is fraudulent activity and I would hope Macy 's would care enough about their customers to do something about their horrible credit card company, especially because they push it on all of the customers that are checking out and it is the best way to get good shopping deals. If you check the history of my account prior to this XX/XX/XXXX you can see that I have consistently paid all my bills in full. This credit card company needs a wake up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XXXX XXXX I opened a CitiGold checking account with CitiBank with a promotion that offered XXXX XXXX XXXX miles after using bill pay in 2 concecutive months and spending XXXX dollars. I completed these requirements XX/XX/2016 and was told in XX/XX/XXXX that I had completed all the requirements and that these points would be sent to my account by XXXX XXXX, 2016. They were not and i contacted Citi again to inquire when they would be posted. This time i was told that the points should have posted already, that an investigation would be opened, and that i would have a response by no later than XXXX/XXXX/16. This, too, came and went and I contacted Citi a third time. I was told that the agent was unable to assist me, other than opening a new investigation and asked to call a number. Calling in to the promotions dept, ( the fourth attempt to resolve this ) I was told that the issue was under review and I could not be given a new timeline. I sent a fifth letter via secure message on the Citi site detailing all of the contact attempts so far, and received no response, contrary to their policy of responding to all inquiries. I contacted them a 6th time on XX/XX/XXXX and was told that the case is still " in progress. '' From my research online it seems that this is a common problem with Citi trying to get out of honoring this promotion. I hope that CFPB can assist in holding them accountable to their contract.

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 2016-07-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a Citi XXXX. It is the card with the 2 % cash back. The card has been setup for about a year. During that time I 've run large amounts through it, i.e. averaging about {$3000.00} per month. During that time I 've paid the statement balance in full every month. All of a sudden in the last month Citi keeps blocking transactions for supposed fraud concerns. I then have to make contact with the Card, sometimes having to wait on hold for an hour at a pop. I have voiced my displeasure, said this makes me nervous to use the card for travel, threatened to leave, etc. Citi 's response is almost like they want me to leave. They actually told me that I need to notify them 24 hrs in advance of travel. I took a quick look at rough card merchant fee info online. In my estimation Citi probably is n't making much in the way of money on the card. They 've probably realized I will never run up a debt on the card. The 2 % cash back that is paid to me probably negates the merchant fees. I suspect that they 're trying to frustrate me in the hopes that I will in fact shut the account down. In todays day and age its hard to travel or purchase items without a credit card. I would prefer to not even do business at all with the credit card companies, but that is next to impossible. This country desperately needs a type of clearinghouse where transactions can be processed. Amounts would come out of the checking accounts at the time of purchase ( no debit card ). In short the banks need to be cut out of the loop. 

The card companies want people that ca n't pay the monthly statement in full. They view people who do pay in full to be a problem. That 's a very flawed system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
AT & T Universal Card / Citi received my payment electronically on XXXX/XXXX/16. They credited my payment one day after the due date of XXXX/XXXX/16 and charged a late charge of {$26.00} on XXXX/XXXX/16. I brought this discrepancy to their attention and they refused to remove the late charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-15 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a customer at CITI Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Every 4- 5 months CITI offers a " bonus '' on your interest if you deposit {$25000.00} or more. They say they will pay the bonus 90 calendar days after the deposit. I have enrolled in this promotion several times. Each and every time they do NOT pay the bonus and I have to call and argue with them Often they can not even find the program, but eventually they have gotten paid after they do an " investigation. '' Earlier this year they offered another program XXXX ( see attached ) which I enrolled in and I deposited {$25000.00} on XXXX/XXXX/2016. After 90 days NO bonus was paid.It was supposed to be {$300.00}. After several calls another investigation was started and my request was denied ( see attached. ) I believe that many customers are being lured into this scheme and conveniently not being paid their bonus. The CITI office is : CITIBANK Client Service ATTN C.G.S. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a Macy 's customer for about 40 years. In XXXX 2015 I paid the account in full. In XXXX I received a statement stating I owed {$2.00} with no explanation. I tried calling but was left on hold or the call was dropped. In frustration, I went to the Macy 's store in XXXX, CA. 
They no longer have a credit office. One of the clerks called their credit department and it was explained the {$2.00} was for maintaining the account open!!! I was never noticed that if I have a XXXX balance I would be billed {$2.00} per month. The person agreed to waive the {$2.00}. charge and I told them I would be closing the account. I cut up our cards and sent them a letter telling them to close the account. Then I received a statement from Macy 's adding another {$2.00}. charge plus the {$2.00}. from the previous month for a total of {$4.00}. and giving me a credit on the account of {$33.00} stating it was a refund for a late fee. I did not pay any statements late. The are continuing to bill me {$2.00}. month for maintaining account that I closed in XXXX. I believe the {$2.00} a month fee is illegal. I want them to stop billing me and if they think I have {$33.00} credit, I want it mailed to me. If they are billing {$2.00} a month to XXXX of credit customers who have no balance due, they are billing the public XXXX of dollars a month for nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On or about XXXX XXXX, 2016 I booked my traveling arrangements including my flight and hotel ( bundle ) reservations for a 3-day stay at the XXXX XXXX XXXX in XXXX XXXX, FL. The arrangements were booked through XXXX. I agreed to pay the airplane tickets for a listing price of {$190.00} each and proceded to booking XXXX seats ( XXXX adult, and XXXX kids ), but inseated was charged {$370.00} for each ticket and XXXX for hotel reservations and insurance. Back in XXXX I called both XXXX and American Express to advised them of this error and provided them with the opportunity to amend this error. Yet they XXXX have failed to make me whole again. Upon reviewing my credit billing statements in XXXX my total fees amounted to {$1700.00} plus the {$190.00} listed three ( 3 ) times. My American Express Card # XXXX and the disputed amount was listed for {$950.00}. To date American Express data base claims they have no records for my account or the claimed I filed with them. The only information I received from them was a survey on the billing inquiry. American Express failed to investigate my billing error according to the billing and error resolution timeliness as prescribed under Regulation Z. To date they have n't resolved this claim and have not admitted they have made a mistake in resolving the error. My account was sold to XXXX Bank in XXXX 2016 with a new assigned credit card # XXXX, I have reached out to them too and they do n't have a record of any of my statements or this claim. I would like for you to investigate the results of my 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
Consumer complaint received 2016-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
Payment was made on XXXX XXXX, 2016 and still have not credit my account. 
XXXX Ditech Logo BUY A HOME HOME REFINANCE CALCULATORS RESOURCES MANAGE MY ACCOUNT LOG IN UPGRADING OUR SYSTEMS IN XX/XX/XXXX Home / Upgrading our systems in XXXX We 're making improvements We 're improving our systems to serve you better. 
We 're upgrading our systems! 
Thank you for your patience. 
Ditech is in the process of upgrading our systems. When this work is complete, our customers will experience more efficient service through expanded capabilities like : Faster billing statement delivery Improved online payment options Digital alerts through text or email Free automatic payment plans On Friday, XXXX XXXX, your account access will temporarily interrupted as we install these upgrades. 

Customer service phones & online systems will be unavailable on Friday, XXXX XXXX As part of a planned systems upgrade, the XXXX online service, our automated phone menu, and the customer service call centers will be closed on XXXX XXXX, 2016. Ditech will reopen for business XXXX XXXX and on that day our customer service center will stay open until XXXX XXXX CST to serve you. 

XXXX account data may be unavailable in MyAccount until XXXX XXXX XXXX XXXX XXXX, you will be able to access your secure information in MyAccount. However, for some customers, the information shown there will reflect only Ditech mortgage loan activity as posted through XXXX XXXX, 2016. Any payments made on or after XXXX XXXX, 2016, may not be visible in your transaction history or your balance until XXXX XXXX. 

Payments made on or after XXXX XXXX will post on the date received If you make a mortgage payment on or after XXXX XXXX, 2016, we will post your payment effective the date it was received. Your up-to-date account information will be visible in MyAccount on or about XXXX XXXX. We will post all payments received on XXXX XXXX with an effective date of XXXX XXXX. 

Thank you again for your patience. We expect these upgrades to improve our service and your experience with ditech. 

ditech, a XXXX company XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
There was an incident with CitiMortgage ( see CFPB Complaint # XXXX ) that caused inadvertent negative credit reporting which CitiMortgage has since agreed to remove. However, as a result CitiBank who backs my Home Depot credit card reviewed my credit worthiness during the time frame in which the negative error reporting was taking place immediately reduced my credit limit to the balance of the credit card itself which makes it appear as though I now have a maxed out credit card which also reduces my credit score even further. I have maintained excellent credit worthiness throughout my life until this incident happened and I think I have been a valuable customer to Home Depot and Citibank. Also, during this time I had a cell phone stolen with my account personal checking and savings accounts inside. As a result, my bank had to temporarily block all credit and debits on my account until the issues were resolved which they were.

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 2016-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX miles after scheduling two bill payments and accumulating {$1000.00} in debit purchases. 
The cash value of XXXX XXXX XXXX miles is approximately {$500.00}. 
In XXXX XXXX, I contacted Citi and received confirmation that I had fulfilled all terms of the offer. 
On XXXX XXXX, XXXX I contacted Citi again regarding the bonus offer, and was told that I completed the terms in XXXX, and that the miles would be credited no later than XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX the points had not yet posted so I called Citi and was told that the points were " on their way '' and to expect to see them within 3-4 weeks. 
On XXXX XXXX, XXXX I called Citi again, who opened an " investigation '' into the missing points, and told me I would hear back within 1-3 business days. 
On XXXX XXXX, XXXX, after not hearing anything from Citi, I called in again, and was told that their back office was very busy, and to expect a response within 5-7 business days of the investigation opening ( XXXX ). 
On XXXX XXXX, XXXX, after still not hearing anything from Citi, I called them again, and was told that the investigation is still open, and that the customer service representative would request another. 

In summary, it has been five months since I met the terms of the bonus offer, and Citi has still failed to live up to their side of the deal. The chat log between myself and Citi where they confirm that the requirements have been met is attached. 

Citi Online Chat Log, XXXX/XXXX/XXXX You are now chatting with XXXX. 
XXXX : at XXXX Hi, XXXX : at XXXX Welcome to Citibank Online Chat. My name is XXXX. How may I help you? 
XXXX : at XXXX Hello XXXX. 
XXXX : at XXXX How are you? 
XXXX : at XXXX I 'm well, thanks XXXX : at XXXX I signed up with a promotional offer for my CitiGold account, and completed the requirements some time ago, and I 'm wondering when the bonus American miles will post XXXX : at XXXX Great question! 
XXXX : at XXXX I will be more than happy to assist you. 
XXXX : at XXXX Please allow me 2-3 minutes to review your account. 
XXXX : at XXXX Thank you for holding. 
XXXX : at XXXX I do see you completed the terms in XXXX. Therefore, your miles will be credited within 90 days of the statement cycle in which you fulfilled the terms. 
XXXX : at XXXX That will be no later than XXXX XXXX. 
XXXX : at XXXX Thank you, have a nice day

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 2016-08-02 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received my bill today and noticed my interest rate had suddenly gone up to 25.49 % from my usual 23.99 %. I reported Macy 's last year. I have been a faithful and loyal customer for the last 20 years. This company definitely holds political grudges. I have Never been late. I have paid by phone the last few months. I had a {$85.00} minimum payment for the last few years. They are claiming I just recently charged {$2800.00} on my card. They claim they were giving me a promotional rate. I have not used the card since XX/XX/XXXX or XX/XX/XXXX. This amount of {$2800.00} has been on there for a couple of years. I spent a half an hour on the phone with them and got nowhere. I do not understand their representatives and they speak garbled. They have no right to SUDDENLY charge me a much higher rate WITHOUT EXPLAINATION! Please check into this! XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank refuses to provide equal access to services for XXXX customers who do not use TTY services. I was unable to register for an online account for my Citibank Thank You card, in order to pay it directly, and requested assistance via their advertised XXXX account. I had the card in my possession, as well as all other information necessary to open an account. Despite using DM XXXX Direct Messaging ) which is secure, the representative refused to assist, and told me that the only available way they would assist me is TTY, voice telephone, or physically going to the bank. I asked for a supervisor many times and was denied, and eventually ignored. I wasted over an hour of my time trying to get assistance from Citibank. The amount listed below for lost money is my hourly billable rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macy 's DSNB has deleted a payment history on all credit bureaus, even though there would have been one as far back as XX/XX/XXXX. They state that the first delinquency was XX/XX/XXXX, whereas the drop off date for removal with all pertinent credit reporting agencies would be XX/XX/XXXX. The account was discharged from a Chapter XXXX bankruptcy petition. However, there are ten ( 10 ) years of payment history deleted from the credit bureau, and I make a claim that I was at least 30 days late several times before the inserted XX/XX/XXXX. Accordingly, I believe that I am well within the 7-year rule timeline for the removal of obsolete information and the account should be deleted immediately and permanently. DELETE THIS CREDIT ITEM!!!

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 2016-01-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have attempted to contact CitiBank 's CitiGold Division on several occasions to disable " Overdraft Protection '', I was repeatably told by a supervisor this was " not possible ''. Frankly, this does not make any sense since other banks have the ability to turn off Overdraft Protection thus preventing any Overdraft Fees from occurring. During the Holiday Season ( XXXX and XXXX XXXX 's ), various transactions settled on strange dates for whatever reason. Additionally, CitiBank charges a {$34.00} Returned Check Fee which is in violation of State Law. The maximum amount in Illinois and Michigan is {$25.00}.

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