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: OR

Complaint narrative:
I opened a checking account with Citibank, and on the offer for the checking account, Citibank was to give me XXXX bonus miles up on completing some steps of payment and a minimum spend. I completed the steps, and waited for the miles to arrive in my account. No miles, so I called Citibank to find out where they were. Citibank then informed me in writing that there was no promotion available at that time, even though I have an email from them with the program details regarding my new checking account. 

I called and talked to a Citibank rep, XXXX # XXXX. She confirmed with me that there was in fact a promotion at the time I had signed up, and she also confirmed with me that I had signed up within the time frame provided in the promotion offer. XXXX # XXXX filed an appeal for me, and I received another copy of the same form letter stating that There was not a promotion offered at the time that I had signed up. 

I called Citibank again today, and talked to XXXX # XXXX, and she said after an appeal was denied, there was nothing she could do. 

Please help me to get the XXXX miles promised me by Citibank.

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 2016-07-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Between XXXX and XXXX XXXX, I purchased furniture from XXXX to take advantage of their two year zero percent program. My XXXX American Express card did not have a high enough credit limit on it, so the sales representative helped me get the limit increased at the time of purchase. I noticed my XX/XX/XXXX billing reflected total interest charged in XXXX {$380.00}. I called XXXX and reviewed my account with them. They agreed there was an error and that the account should not be charging interest. An adjustment was made in the amount of {$480.00}. This was the equivalent of five months interest that should not have been charged. The {$480.00} adjustment reflected on my XXXX XXXX statement. My XX/XX/XXXX statement also included interest owing in the amount of {$81.00}. I called XXXX again. They claimed they fixed the problem and the interest adjustment would reflect on my XX/XX/XXXX statement. When I received my XX/XX/XXXX billing, there was no interest adjustment for the XX/XX/XXXX billing and interest in the amount of {$81.00} was now showing for XXXX. Once again I called XXXX XXXX and explained the situation. Again, they assured me the correction was made for XX/XX/XXXX and XX/XX/XXXX and the adjustment would show on my XX/XX/XXXX statement. When I received my XXXX statement, there was an adjustment in the amount of {$160.00}, XX/XX/XXXX and XX/XX/XXXX interest. The statement also reflected interest owing in the amount of {$79.00} for XX/XX/XXXX. Again, I called XXXX and explained the situation. At that point, they said a supervisor put notes on the account stating she did a re-amortization of the account and that no adjustments should be made because it required one full billing cycle to correct the problem once and for all. They assured me my XX/XX/XXXX billing would reflect the interest credit for XX/XX/XXXX and zero interest owing thereafter. When I received my XX/XX/XXXX billing, it reflected no adjustments for XX/XX/XXXX interest. It also reflected {$76.00} owing in interest for XX/XX/XXXX. At this point, I as a consumer fell that i have done my due diligence in trying to get this corrected. It has now been six months and I have made zero progress with XXXX in rectifying this situation. I am hopeful that you can assist me with correcting this problem once and for all.

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 2017-01-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid off my CitiBank Visa in XXXX or XXXX. I do n't even have the card or a bill anymore to reference the account number! 
Today XXXX/XXXX/XXXX i received a letter that I owe {$120.00} + {$22.00} in interest and {$260.00} in fees with a total of {$400.00}. AND they are sndthe account to XXXX XXXX XXXX. Which I believe is a collection agency. 
I want to know how all of the sudden I get this bill after at least XXXXXXXX years of this account being paid off. Please Advise I am afraid this is going i ruin my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Some years ago ( approximately 2010 ) I opened what I considered to be a Line of Credit with variable rate through Citibank. Citibank, according to my monthly statements, terms this as a " Variable Rate Equity Source Account ''. Total amount that I requested was for {$140000.00} of which I used {$100000.00} or so. What I do not understand is that no matter that the interest rate varies, and I have made two payments totaling {$2000.00} strictly towards principal my principal balance hardly decreases. Even when I paid down the principal the bank still went ahead and based their following month 's interest accrual on the total prior to the principal payment. The interest rate never varies in total ; each month at least for this year it is averaging at 5.30 %. So my total monthly payment which includes principal and interest never changes much from approximately {$450.00} give or take a few dollars. 
I have gone into the bank to ask why this is, and the rep. told me that while the interest rate is variable it 's still based on prime + spread. I find this to be very deceiving as I do not understand why I have to be charged extra ( spread ). 
It is exceedingly difficult for me to understand if I entered into a contract understanding that I will be charged a variable rate that I am in reality paying what amounts to be a fixed rate. Again as I mentioned above my average monthly statement is for {$450.00} give or take a few dollars. This is not right in my opinion. 
Also I have to complain about Citibank 's procedure for paying down on my principal. I feel they make it very difficult for a customer to do so as I was told that I needed to mail a check stating it 's for principal with the excuse that only the particular department it goes to can handle the transaction. I was told that it was impossible to even make an online payment towards principal. I can not understand why in the internet age this is not possible ... or to have a bank clerk process the transaction! What I feel is Citibank knows a snail mailed check will most likely not reach them in time for the principal balance to be decreased thereby allowing them legal right to charge interest based on a higher principal balance. It is, to me, basically ripping off customers.

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 2017-01-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CitiBank Advantage card abruptly cancelled my card stating that I had " unusual payment '' history. When they refused to explain what that meant, I escalated to the office of President and CEO ... eventually finding out that is was because I paid my bill in cash. I was an " A '' rated customer ALWAYS paid on time. I offered to provide bank statements as to where the cash came from ( withdrawal from my checking account ) of XXXX some years ... and they flat out refused. They have tagged me as a person who can not have a CitiCard in the future. I maintain large balances at CitiBank, I have been approved by the XXXX ( in order to get a XXXX ) ... have an excellent XXXX own a home, lease a car..etc and ... I explained that I felt like a dolphin who got caught in a tuna net ... and would they please re examine, that I would provide any and all supporting documents or statements they would like..and it was a flat out " NO '' ( only real reason I cared ... .because I earned XXXX XXXX XXXX ) but it was wrong all together. 
To add insult to injury, in the midst of the dispute, as I awaited a response, I was late in that XXXX payment ( waiting to see how they wanted me to handle the balance since card was cancelled ). Although I paid balance in full ( $ XXXX dollars ) they reported that as a late payment to the credit bureaus and have refused, even as a one time courtesy ( an only time ) to remove it. 
I reapplied for the card a year later ( only for the XXXX milage ) and was refused. I have XXXX gold and platinum, so I do n't think I 'm much of a credit risk ... .after many phone calls with them ... it turns out that they have marked me much like someone on a " no fly '' list. 
It comes to mind every time XXXX as they advertise HEAVILY for Citi Advantage card ... .and I fly a lot.

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 2016-05-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
When my husband ran out on me and our house payment a year or so ago I missed a few months of payments. I have been on track ever since, but they just keep adding late charges to the amount that was missed. I have been working with Citi for a year or more to get a modification on the loan. I am on my XXXX or XXXX person handling the account and each one says they have no documentation. I have sent the paper work in numerous times and feel they are just giving me a run around to get more in fees and charges or they are very very incompatent. I am getting nowhere with them. This is the XXXX mortgage with Citibank. The XXXX mortgage with Citimortgage was resolved and modified in a much more timely manor and the documentation I sent was used not lost in their shuffle. Their poor was of doing business is very XXXX for 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 2015-11-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.

Complaint narrative:
I have been with XXXX citibank for over 15yrs in XX/XX/XXXX i was scammed of $ XXXXI contacted the company in XX/XX/XXXX and asked if i would be able to have the interest changed to interest free as part of being a loyal customer i thought they would comply, if i was a new customer they would give me a balance transfer for 12mths with 0 interest. they told me that i could apply for hardship and have the balance 0 % for 2mths i said i did n't want that. they said they would send me the paperwork in the mail. I inquired about the interest rate and was told that it was 12.99 % I made {$200.00} payment in XX/XX/XXXX as per the statement due and {$600.00} payment in XX/XX/XXXX which was above the minimum payment. in XX/XX/XXXX my minimum payment on my statement was {$760.00} I rang them to inquire as to why the hike in repayments and also for the interest charged prior retail of {$370.00} and a {$200.00} interest I was informed that I had not made the necessary payments in XX/XX/XXXX. I looked at my statement and the minimum payment was {$200.00}. they then told me it was because I had not paid out the loan within the 55 days the interest would then go to the higher amount of 21.74 % and the interest would be back dated I stated that I had not been told this information when I had originally inquired about the interest rates in XX/XX/XXXX which was 12.99 %. I was then told that they would waver the {$570.00} and this would be on my next statement. I inquired about closing my account and what the payout fee would be. the amount i was given was {$18000.00} minus {$570.00} being {$17000.00}. the lady told me that she would waver my annual fee if i stayed with them as i was such a loyal customer I chose to do that I then made this payment of {$17000.00} on XX/XX/XXXX thinking this was the end of it, until I received my XX/XX/XXXX Statement whereby I still owed {$470.00}. I rang too inquire why this was so as the payout figure was given to me they told me that i was given the incorrect information as on XX/XX/XXXX the reversal had taken place and the lady had given me another {$570.00} of the total amount. I stated that i had rung on XX/XX/XXXX which was 3 weeks after the reversal and they did n't have the correct figure. the lady said yes that is correct. she had made the mistake and given me the wrong information. I stated that that was her fault not mine and she said that I was still liable to pay the {$480.00} as the payout figure. I said that i want to close my account and do not wish to have any more dealing with the company as i have had nothing but heartache from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi opened an account XXXX/XXXX/16 using my name, but it was n't me. XXXX alerted me. Citi says to correct the problem, I have to go to a bank branch, but I live in XXXX, and there is no Citi branch in XXXX, XXXX, or XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Stenger & Stenger, P.C
State: CO

Complaint narrative:
I am being sued by a debt collection agency called Stenger & Stenger out of XXXX XXXX, XXXX. For background purposes, I lived in XXXX from XX/XX/XXXX until XX/XX/XXXX when I moved to XXXX, XXXX. XX/XX/XXXX, I had entered into the credit card contract with XXXX XXXX XXXX while living in XXXX, and any charges made on that account would have been made in XXXX. According to Stenger & Stenger, they state that the last payment I made on the account was XXXX XXXX, XXXX. XXXX has a 4 year Statute of Limitations on these types of debts/written contracts, so the SOL for this issue ran out on XXXX XXXX, XXXX. Despite knowing this, Stenger & Stenger are now trying to sue me for the outstanding amount as well as their legal fees and 8 % interest on the balance ... even though the SOL has been expired for nearly one full year. I would like to point at that since the original contract for the account was signed and entered into in the state of XXXX, this contract has nothing to do with the state of XXXX and the 6 year SOL in XXXX can not be applied against me just because I moved to this state. This is backed by XXXX 'Borrowing Statute ' XXXX Rev. Stat 13-80-110 " If a cause of action arises in another state or territory or in a foreign country and, by the laws thereof, an action thereon can not be maintained in that state, territory, or foreign country by reason of lapse of time, the cause of action shall no be maintained in this state ''. 

Stenger & Stenger is supposedly a " Professional Law Corporation '', so they should know the laws set forth in the states in which they conduct business, which I 'm sure that they do, but are banking on the fact that the people they are bullying do not and will hopefully collapse under the weight of their intimidation tactics. The fact they KNOW that the SOL has already come and gone, yet they continue to prey on me, someone who is less educated in the ways of the law and force me to spend/waste ample of amounts of time and money that I do not have, to defend myself on a frivolous claim they know will not stand up in the court of law is egregious and disgraceful. Stenger & Stenger and companies like them, need to be punished for their actions and have more stringent laws and guidelines placed on them so as not to fill the courts with these frivolous lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I requested a credit line increase from Citibank , N.A . after being told by a representative that doing so would only result in a soft-pull inquiry on my credit report. However a hard-pull inquiry was conducted on my credit report. I sent a certified letter to Citibank requesting they either send me proof of me authorizing them to hard-pull my credit report or remove the hard-pull inquiry. They sent a reply stating they are unable to remove the inquiry and did not include proof of authorization.

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 2016-09-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
recently i talk to best buy credit card about the interest charge.almost XXXX dollars where from they say first i have a late charge i said i talk to your customer respentive they say will take care for me i say i pay full amount for last XXXX statment why i have interest charge they said because the billing cycle i say every credit card i pay only pay for stament amount not worry about your billing cycle i ask them to to take care they refuse to take care you need to pay for billing cycle interest i feel that they are not honest to customer they are cheating.

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 2016-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a checking account with Citi and the bank has a feature called Checking Plus which is activated when my account went into overdraft. Once the overdraft happened, Citi essentially creates a loan with the overdraft amount. However, unlike other banks where a subsequent deposit would go towards the overdraft, Citi does not used the deposit to repay the overdraft line of credit. Instead, it starts charging double digit interests on the overdraft amount and just takes the monthly minimum payment from my regular checking account. I just discovered this when I looked at my banking statement more closely. Basically, even though I have more than enough in deposits to cover the overdraft, Citi has been charging me double digit interest rates on the so-called loan. I did n't even know when the overdraft had occurred and it seems like it 's been more than 1.5 years ( since that 's how far their online system goes ) and I 've been paying close to 20 % APR on this so called convenience that they provide for their bank customers. 

I do n't think this is a consumer friendly practice and this product is almost purposefully designed to get consumers to pay way more for the little convenience that they had offered for covering for the overdraft. I have never seen this practice at other banks and I think this is predatory behavior on the bank 's part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX, 2015 I received a letter from citi credit management deparment,, to notice about decreased credit limit, because my credit report shows delinquent credit obligation, either paid or unpaid with another creditor, the decision was based from the information obtained from XXXX, I went to credit repair consultants to see what happened, and we saw a big mistake, SEARS/CBNA, reported to XXXX a credit car # XXXX account owner, authorized, high credit {$4300.00}, credit limit {$4000.00}, date reported XXXX/XXXX/2015. this credit card is not mine. i called to this number XXXX customer service, i expleined everithing, they told me they need the credit card last XXXX number, i said i dont have it, they told me go to consumer financial protection, they are reporting this credit card to XXXX and they dont have the last card XXXX numbers??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I was told that I had 0 % interest charge. I was not informed or warned about the deferred interest charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-07 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I set up a recurring payment for my son 's apartment in college. His rent is due the XXXX of each month. I set up the payment for the XXXX of the prior month. On XXXX XXXX, 2015, Citi took {$480.00} out of my account. The apartment complex called me and said they got today 's mail and it still has not arrived. Today is the 8th business day since Citi took the money out of my account and 10th calendar day. I am now going to be charged a late fee at the apartment. I asked Citi to cancel the check. They told me no. They said they will not cancel bill payment checks until 10 business days have passed and that I could call back on Monday to cancel ( Today is Wednesday, that would be 11 business days. ) They also informed me it would cost me {$30.00} to cancel the check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HOVG, LLC
State: CA

Complaint narrative:
BAY AREA CREDIT SERVICES VIOLATED MY FCRA RIGHTS. They INACCURATELY reported to XXXX XXXX on XXXX XXXX, 2015 on an old COLLECTION account. Bay Area Credit Services reported to XXXX XXXX as a New Account. This is highly illegal for any company to report as a New Account. This account was generated originally over 5 years ago and was part of a Chapter XXXX Bankruptcy. Not only did they violate FCRA rights they also NEVER advised me of any reporting. Clear VIOLATION OF MY FCRA RIGHTS.

Company response to consumer: Closed with explanation