vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
My separated husband has opened credit cards in my name without my knowledge. I found out by reviewing my credit report. Several i am an authorized user and at least XXXX i am a joint user which means i am also responsible for the debt for which he created an is now in charge off. It is over {$14000.00}. I am trying to keep from filing bankruptcy so my credit will stay good. He is in the process of filing bankruptcy. I never had a credit card. He never told me that he did this.

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 2016-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2014 I completed a short sale of my home. I recently observed my credit report and CitiMortgage is continuing to report to the credit bureau resulting in my credit worthiness and credit score to have a negative impact. I was able to confirm that CitiMortgage has no legal grounds to continue reporting this account to the Credit Bureau.

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 2015-03-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
tried to activate renewal by phone with number on card. all i got was a bunch of personal questions and then offering a cruise plus fee. could not get through to activate card. finally called tel. no. on my bill and it was resolved..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
We purchased this property in 2002. Recently we decided to sell the property and can not do this because of undisclosed liens that are showing. DMV is showing a lien that was charged off years prior to our buying this property.

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 2016-03-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XXXX an online fraudulent transaction/purchase was made on my Macy 's American Express card. I reported the incident to Macy 's after it was discovered, on XXXX. A police report was originally filed on XXXX to the XXXX ( Report number XXXX. ) A Statement of Fraud was faxed to Macy 's originally on XXXX, again on XXXX and again on XXXX. I have documentation of XXXX calls I have made to Macy 's and Citi to try and resolve the fraudulent transaction/purchase.

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 2016-06-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
During Citigold checking account opening, I was offered XXXX Thank You points from Citi by using their promotional code XXXX. I met the requirements for the promotional sign up bonus and confirmed with the Citi representative more than one time and was told that I will receive the bonus Thank You points within 90 days. Around 90 days time now, I received a message from Citi saying I do not qualify for the points. I feel I was mislead during account opening.

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 2016-06-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contracted with a photographer in XXXX XXXX ; the photographer validly billed me on XXXX XXXX, XXXX, via my CitiBank card. I paid my Citi card bill on XXXX XXXX, XXXX. In XXXX, the merchant submitted a duplicate charge. I contacted the merchant ( by email ) and they agreed to reverse the charges. Something went wrong with that process ( the merchant claimed they submitted the reversed charge, but it did not come through ). I contacted Citi by phone and initiated a charge dispute, explaining all of the above. They sent me a form to complete " if providing additional information '', I did not have any additional information they would need, so I did not complete the extra form. They closed my dispute saying I had failed to provide the form. I contacted them AGAIN and read the wording to them that clearly says the form is only required when submitting additional evidence or information. Citi claimed however that the form is " required '' by regulation, and that I had to restart the dispute. I did this under protest, and they reversed the charge. However, since that time, and despite having emails from the merchant saying that the second charge is invalid ( a duplicate ), Citi has failed to resolve the dispute and continues to re-apply the charge, requiring me to continue disputing it over and over again. Citi is providing information from a third party ( XXXX the POS processor used by the photographer ) to claim the charge is valid. However, they are providing proof of ONE valid charge ( which both I and the merchant agree is the valid, initial charge ) and they have never been able to provide proof that the second charge is valid. Regardless of this, they keep posting the charge with each statement cycle, requiring me to keep disputing it. In my most recent dispute of the charge, I 've demanded that they permanently reverse the charge and do not post another. However, I am contacting CFPB to register a complaint about their handling of the dispute. They invalidly closed my initial dispute ; have taken far in excess of 90 days to resolve the matter ; and have accepted responses and " proof '' from a third party without ever contacting the merchant. They communicate with me by email but insist that I complete hard copy forms and fax them or scan them, and then indicate that my proof ( correspondence from the merchant ) is insufficient to overcome the proof they have on file ( evidence of only the single, valid charge ). I 've spent so many hours disputing this against my credit card company, when the merchant themselves admitting the second charge is invalid.

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 2015-12-13 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
complaint about my Macy 's store start rewards card : There is no way I can connect with a person to talk about my dispute on late fee. the statement lists a phone number for customer service but it kept taking me back to start menu, after the message : all our customer service rep are helping other customers ... .. ''. I called again with a toll free number and it does not give a customer service option. I went to their website and a chat screen popped up thinking I can not figure out how to purchase. The person on chat said you have to wait till next billing cycle to talk to someone. I can not tell who this " someone '' is. when I asked send me the link to chat option so I can call to discuss my billing issue for late payment by one day, she said : " there is none ''. so I asked how do I find you again as you seemed to be the only one I can talk to and she said just click away and a window will appear but no option to find me. It sounds like scam to not allow customers to call to a person so they end up having late fees and finance charge. major credit cards are good to loyal customers and I am Macy 's customers for 10 years and can not talk to a real person. what is going on and what are my rights?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FMS Inc.
State: WA

Complaint narrative:
My medical bill was removed and forgiven by the Hospital " XXXX '' and they removed it off all my credit bureau 's, since I had to sue them since the Doctor XXXX XXXX hurt me by XXXX, causing me to have XXXX XXXX 's. The Hospital removed the medical collection off my credit bureau 's. Now this collection company FMS INC has been told the bill was removed by the creditor, but they put it back on my credit report even thought they have been put on notice, the Hospital took if off, and forgave the Bill. Ive called FMS INC to remove it and they said that they would but after 10 days have not removed it and it is hurting me. 
thank you XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I originally received a promotional offer from Citi for opening a CitiGold checking account with a promotional offer for XXXX XXXX miles upon qualifying debit purchases ( see attachment on XXXX/XXXX/16 ), and upon calling Citi to open my CitiGold account I was put on hold to verify my eligibility and was CONFIRMED that I was ELIGIBLE, and the account was then opened with the promotional offer. I also contacted Citi via online chat to confirm the debit purchase requirements, in which Citi confirmed that making {$1000.00} in debit purchases ( along with the already completed bill pays over 2 months ) " to receive the promo bonus '' ( see attachment on XXXX/XXXX/16 ). After completing the requirements, I contacted Citi via online chat on XXXX/XXXX/16 ( see attachment ) to confirm all requirements were met and the representative confirmed everything was met and after 90 days I would receive the bonus. After the 90 days I contacted Citi via secure message on XXXX/XXXX/16 and was told that I was not eligible for the promotion ( despite being continually confirmed of eligibility ) and therefore would not receive the promotional bonus. I signed up for this offer based on this promotional bonus and Citi has $ XXXX monthly fees for the account ( which I would not have agreed upon without the promotional offer ). This willful misleading is unethical and fraudulent, Citi willfully agreed that I was eligible and confirmed the completion of the requirements as evidenced by the attachments, and now that I am due the promotional miles Citi has suddenly reneged on the offer while continuing to charge monthly fees for the account. Citi should be held accountable for honoring the promotional offer, particularly given the fact that throughout the process they confirmed and reconfirmed my eligibility and qualifications for the promotional offer. This type of misleading can not be legal and Citi should be held accountable, particularly given that a quick internet search shows that Citi has " scammed '' many people with this same offer.

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 2017-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I contacted Citimortgage to attempt to remove PMI from my mortgage loan. The conditions under which they would remove the PMI ( XXXX % XXXX with a new appraisal ) were different from the paperwork I signed at my closing ( XXXX % XXXX with new appraisal ). My original loan was with a different company, but they sold it to Citimortgage. I paid Citimortgage for an appraisal as the identical unit next to mine appraised a few months prior well below XXXX %, but it came back at XXXX % XXXX. I asked for a review of the appraisal as one of the homes they used was in horrible shape and on a busy street, but they refused to adjust my appraisal. Regardless, I do not feel the terms under which PMI is removed should be different from the original loan paperwork I signed ( which was 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 2016-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I applied for a Citigold checking account with the promise of receiving XXXX thank you points around XX/XX/2016. At that time it had a promotion code I used and the terms were to make 1 bill payment for 2 consecutive months will qualify you for the bonus payable in 90 days after the requirements were met. It has been more than 90 days so I decided to ask Citi why the promotion points have not posted to my account in XXXX 2016. Citi replied saying the promotion is not valid and only targeted to specific addresses. This does n't seem right to me as I have followed all the procedures and even received a letter in the mail stating I would be eligible for the points if all requirements were met in XXXX 2016. I will attach all the information needed to confirm my case as I have followed the rules and should receive the points in 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 2015-10-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I have had an account with Macy 's since XX/XX/XXXX. I retired XX/XX/XXXX at which time I contacted all of my creditors andexplained my due would have to change. I was told it wastaken care of. I have not used the card a lot, but what I haveUsed it, I have made monthly payments. I noticed last monthI could not access my account. Not thinking anything about itI made a payment, but when it happened again, I contacted Macy'slast night. I was transferred twice and was on hold for 30 minuteswith no answer. This morning I finally spoke with customer servicetwice and found out I had been charged numerous latecharges and interest. I was also told they had XXXX of my moneyin a credit account. 
My question is : why was my due date not changed? Why was I notcontacted by mail at the deliquincy of my account? I wastold I owed Macy 's {$290.00} and some odd cents. She put meOn hold and came back and told me they took the {$80.00} credit, applied it to my bill, took off XXXX late charge and XXXX interest charge! 
My balance was {$170.00}!! Who makes that decision on howmuch you are charged?? 
I think this is unfair and fraud due to the fact I wasNEVER contacted by Macy 's!!! But, she told me they wouldsend me my bill via US mail. 
I always pay my bills and have great credit. I DO NOT want thisto go against my credit report and I want the late charges and interestcharges refunded to me. I am still in awe of a company as large asMacy 's allowed to do this to their customers. My account is now closed. 
I would appreciate your prompt attention to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-15 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Hello, I have disputes with XXXX different companies to remove derogatory items affecting my credit score. 
Prior to this issue my credit score was XXXX. 
I desire to get my excellent credit rating back on track. 
I feel like I am being bullied by these companies and have tried everything I know to do with no results. 
I am disputing the following : Below is a full description and resolutions of what is required to receive an XXXX credit score, time is of the essence, I desire to purchase my dream home in XXXX. 
The merchant accounts amount as follows : XXXX XXXX $ XXXX XXXX XXXX {$1200.00}. 
Both XXXX and XXXX XXXX have passed that statue of limitations to collect a debt in New York and XXXX. 
Resolution : They must remove this off my credit. 
& XXXX ; Dispute Explanation & gt ; Item XXXX and XXXX was my credit card processing and equipment companies. I closed my company in XX/XX/XXXX which obviously I needed the equipment. I contacted the companies that I closed my businesses and never heard anything from them until XX/XX/XXXX, when they put the the negative items on my credit report. 
& gt ; XXXX : I want both of these charge-offs removed. 
& gt ; 1. XXXX & gt ; XXXX XXXX XXXX XXXX. 
& gt ; XXXX PA. XXXX & XXXX ; 2. XXXX XXXX XXXX & XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX & gt ; XXXX, Il XXXX & XXXX ; XXXX XXXX XXXX XXXX & gt ; 3. XXXX & gt ; XXXX XXXX XXXX. 
& gt ; XXXX OH XXXX & gt ; XXXX XXXX XXXX XXXX & gt ; Dispute Explanation & gt ; XXXX is stating that I was XXXX months late which I was n't and it confirms I was not on my credit report. According to their credit policy a late credit reporting is only done when a person is XXXX months late not XXXX days late. 
& gt ; Resolution : I want the XXXX day late report removed. 
& gt ; & gt ; XXXX. XXXX & gt ; XXXX & gt ; XXXX, FL XXXX & gt ; XXXX XXXX XXXX XXXX & gt ; Dispute Explanation & gt ; XXXX which issued my XXXX. I had a XXXX balance with this company and they took the liberty to check my credit score and made an executive decision to close my account which adversely affects my credit score. 
& gt ; Resolution : I want my XXXX XXXX re-opened because they did not have permission to check my credit score after my credit card was approved. 
& gt ; 5. XXXX XXXX XXXX & gt ; XXXX XXXX XXXX XXXX. 
& gt ; XXXX XXXX South Dakota XXXX & gt ; & gt ; XXXX XXXX XXXX XXXX & gt ; Dispute Explanation & gt ; Years ago I closed this credit card with a XXXX balance. 
& gt ; & gt ; Resolution : I want this credit card removed from credit report because the closed credit card like the XXXX card being closed adversely affects my credit card. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I signed up for a Citigold checking account after receiving a promotion offer for XXXX XXXX XXXX miles. I met the requirements of the promotion and sent a message to Citi to verify that the requirements have been met and the miles will post. Citi replied that the requirements were met and I should expect the points by XX/XX/XXXX. When the miles did n't post I contacted Citi again and was told they do n't see that I was targeted for the promotion and will not receive the miles. I tried explaining to them that I have the message from them showing that I met the requirements and promising the points will post but they are not willing to honor their offer.

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 2016-08-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
RE : sears credit card # XXXX XXXX XXXX XXXX Last for digit SS # ; XXXX Under settlement and as suggested by citibank I tried to pay {$600.00} remaining balance but I could not make payment via XXXX XXXX XXXX or XXXX XXXX XXXX. On XXXX/XXXX/2016 between XXXX and XXXX ET I spent more than a hour to reach right person to make payment. They kept on transferring my call one to the next and eventually cut me off two times. Only GOD can have mercy. Please give an address to mail $ XXXX, so that will be the end of the matter. CFPB can verify what is stated here using my account number, etc. This is really bad.

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 2016-11-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I booked a vacation through XXXX. I had to cancel due to my sister in law being put on life support. I canceled the vacation package from XXXX and my hotel was refunded but not my flight. XXXX stated that I would receive a flight credit. I never received a credit for my flight from XXXX nor the third party airline - XXXX. When I finally got fed up and called both companies I was given the run around. XXXX decided to take away {$270.00} dollar of my flight credit leaving me with {$430.00} dollars. They also charged me {$700.00} for the flight despite me having a receipt showing that the cost of the flight was {$680.00}. I alerted Citi Cards of this matter and they charged me the {$700.00} despite my receipt transaction being {$680.00}. They then said that they could not do anything about my flight credit because I never received any communication, in writing from XXXX. Instead I had to call about my flight credit. This battle involving XXXX and XXXX exceeded my XXXX grade period I had to use the flight therefore all of my flight voucher was forfeited due to the slow process at Citi. Citi has left me, the consumer, with no support in this fraudulent charge for the flight nor any support in {$270.00} being taken away from my flight credit despite what penalties are posted on 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 2016-08-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a Citi business credit card under a special promotion to receive XXXX bonus miles after spending XXXX dollars. After spending the XXXX dollars i did n't receive the bonus miles. I contacted Citi to ask that the miles be awarded and they claimed I already had the product and i would n't be eligible for the bonus on both cards. I checked my records only to realize that I had the personal credit card however I had n't opened or closed the business card within the 24 months. I explained this situation to Citi Bank however they refused to award me the XXXX and continued to claim that I did indeed have the product. I would like Citi to award me the XXXX bonus miles as was stated in the offer terms. I fulfilled my end of the agreement but Citi refuses to fulfill their part of the agreement.

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