vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-15 00:00:00
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
Pay my car Insurance in Quality Acceptance company wants me to pay over {$1500.00} because they said they found no record of me paying my insurance also have made payments that some payments were missing and the amount is not what they told me it was at first

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My Citi credit card is currently under penalty interest. After I made XXXX consecutive timely payments, I contacted Citi to inquire about why my interest rate has not been reduced. I was told that they review accounts every six months in XXXX and XXXX. Upon receiving my most recent statement, penalty interest is still applied to my account despite making XXXX consecutive on time payments. I contacted Citi again today and the Account Rep attempted to reduce my interest rate but the system would n't allow it saying that my account was ineligible. Despite repeated requests to provide information as to a reason why my account was ineligible for an interest rate reduction, the Account Rep was unable to provide any detail. He would state repeatedly that if the system would allow him he would have already and that his recommendation was to make two more timely payments and they could try to reduce the rate again after that. I asked if that meant that XXXX consecutive payments were required for reducing my interest rate or if that meant the system is showing my account as only having XXXX on time payments. The Account Rep denied XXXX only assuring me that he tried to reduce my interest to no avail. I ended the call to file this complaint. My understanding of the CARD Act was that penalty interest is to be removed after XXXX timely payments. To the best of my knowledge, I feel I have completed what is required of me to be cured from this interest rate and will not accept deliberate mistreatment. So, I am filing this complaint in order to expedite a solution and/or provide myself a better understanding of what the law stipulates regarding this issue. Attached is a payment history taken from my Citi account online for the on time payments from XX/XX/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 2015-04-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citicards XXXX is listing a credit account on my XXXX credit report that is not my account and is a fraud account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
AT & T Universal ( Citibank ) raised my rate due to a late payment almost two years ago. I was told the new rate 28.00 % plus would last up to one year. I recently noticed the rate was still 28.00 and I called to ask why. I was told by the agent ( XXXX ) that information was " proprietary '' and he could not tell me. I told him I was going to close the account, he did not argue, did not try to keep my account (??? ) I asked him if he investigated could he tell me, I was placed on hold, he returned and he said " no. '' I closed the account today XXXX/XXXX/2016 as my other credit cards are half that rate ( or less ) and I have a credit score over XXXX! I would hope the rate they are charging and the " proprietary '' reason can be investigated. As a consumer I believe I 'm entitled to know why I 'm being charged 28.00 % when I have good credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had a Costco membership with a Costco American Express ( AMEX ) Credit Card. Costco ended it 's relationship with AMEX and began a relationship with VISA. I let my AMEX expire and thought that by doing so my Costco membership would end as well. What actually happened was that Costco tranferred my account to VISA. I never activated the VISA card sent to me but I had recurring billings on my AMEX that were transferred to the VISA account. The VISA account was set up with CitiBank. I ignored subsequent mail from Citibank assuming it was advertising. On XX/XX/2016 I received an email from Citibank indicating my account was past due. At that time I called Citi and asked for a statement to be sent to me as I had no idea what had been charged to this card. On XX/XX/2016 I paid the full balance on the card and cancelled it. In the interim, Citi made a report to XXXX and XXXX XXXX that I had an account that was 120 days past due. This has changed my Credit Scores from Excellent to Weak. I made several phone calls to Citi trying to get this resolved. I finally reached someone who gave me an address and fax number for CitiBank Credit Bureau disputes. I was told there was no phone number to reach that department. I faxed the information to Citi on XX/XX/2016 and left contact information so they could reach me. Today is XX/XX/2016 and I have heard nothing and have no idea if they are looking at my case.

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 2016-07-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Back in 2009 I noticed after being denied of an auto loan that I was a victim of identity theft. This was brought to my attention when a received a copy of my credit report and noticed that XXXX home loans were completed and issued under my name and social security number. Citi Mortgate is XXXX of the banks that are currently still holding this account under may name and have refused to remove it even after I have provided them with all of the necessary information to remove this from my name and my credit report. I sent them an affidavit, copies of my XXXX, as well as photo copies of my drivers licence, social security card, and a police report that listed all of the mortgage loans and the fact that they were a direct result of identity theft. It has now been several years that have passed yet I am still dealing with these issues which have made my financial life a very hard XXXX to live.

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

Complaint narrative:
On XXXX XXXX, XXXX, I received a letter from Citibank. It stated that a debit return of {$23.00} had been " no posted '' on XXXX XXXX, XXXX. I had closed all accounts in XXXX, XXXX. The letter asked me to contact the customer service center and provide them with instructions regarding the credit. I have called twice, requesting that a check be mailed to me. Both times I was told that this could not be done and that I would have to go into a branch office to make the request. One of the reasons I closed the account was because they closed the branch office closest to me and could not drive to other locations. I do not understand why a check ca n't be mailed. I also do not understand why the credit was not refunded to me back in XXXX, and why it took 5 months for me to be notified. I have been having a running dispute with the company that issued the refund because I never received it, only to find out that the bank has been holding it for over 5 months, for no reason. I hope that Citibank will issue an apology and explanation to the company that originally issued the refund. I am extremely upset that they have held on to this refund for so long and now refuse to mail it back to me. What is the problem??? Are they going to pay interest on the amount? I do not understand why the refund ca n't be mailed since they obviously still have all of my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I needed to set up online banking, and needed access to my account number from work ( my account statements were at home, and I was locked out of my online banking account. I called Citibank 's customer service line to get my account number and they kept me on hold for 30 minutes before ultimately telling me that they were not permitted to give out that information over the phone and I needed to go to a branch. They were extremely rude and a huge waste of my time!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Sir/Ma'am, Citibank claims to have paid the vendor - XXXX ( a business based out of XXXX XXXX , Florida, XXXX XXXX XXXX, Contact : XXXX XXXX XXXX XXXX ), {$980.00} on my behalf through my credit card account in XXXX 2015. 

They paid the vendor initially through my credit card account ending with XXXX, then reversed the amount when I disputed it. Then they closed the account ending with XXXX and provided me a new card ending with XXXX. 

Subsequently, they charged the full amount of {$980.00} back to the account ending with XXXX. 

The vendor who owes me a refund of the full amount ( {$980.00} ), claims that Citi Card never paid them the second time after reversing the charge the first time. I have been calling up Citi Card customer service for the past 5 months to get proof of payment made to the vendor so that I can submit the proof with the vendor and receive my full refund. I have already paid Citi Cards as part of my monthly payment. 

Citi bank refuses to provide any sort of proof. They keep hoodwinking me after making me jump from one person to another and making me wait on the line for 45 minutes to one hour every time I call. They claim that they will email the proof to my email address and they never send it. And they refuse to stay on the line until I receive the email. They promise me that someone will call me back and no one does. 

It 's been five months and I have no clue where my money is ( {$980.00} ). 

Citi bank tells me it is with the vendor 's holding bank ( XXXX XXXX XXXX : XXXX XXXX XXXX ) and the vendor, XXXX, tells me their bank never received the payment from Citi. 

I have, frustratingly, been patient with both the vendor and Citi bank for the last 5 months and I 'm coming to you as a last resort. 

If Citi bank can provide me or the vendor with proof of payment, then I can receive the refund from the vendor. 

The vendor also asked me to ask Citi bank to open a formal investigation with their compliance department but Citi refuses to do so. 

They even refuse to provide me with a case number and I have to explain the situation every time I call to every person that my call is transferred to. 

They have harassed me for the last 5 months and have not been straight forward or helpful. 
Thanks & RegardsI demand that Citi resolve this issue immediately and help me in getting my money ( {$980.00} ) either through a refund from the vendor or recompensating me directly, depending on which party has my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Before moving to XXXX XXXX in XXXX of 2012, I opened an checking account with Citibank in XXXX XXXX XXXX near my home. I opened this account because they convinced me that I would be able to use my XXXX account at ATMs in XXXX and elsewhere in XXXX. I deposited {$1000.00}. I moved soon after so never received a statement but I did receive an ATM card which I still have. I also have had a Citibank XXXX which I still use. 

I was not able to use the ATM card as they promised, in XXXX nor in XXXX where I now live. But when I attempted to link my Citibank XXXX to my checking account ATM, my phone conversation with a Citibank representative informed me that they had no record of my account ever existing. All I had was my ATM card number but I was never given a statement so I had no account number. They had no record of my account number even though they had issued the ATM card attached to the account. 

I traveled to the XXXX last XXXX and went to the same XXXX XXXX branch. The customer service manager named " XXXX '' first check the XXXX Found Money database to see if my money had been returned to the state, but it had not. She saw my ATM card number and said that they had paper records in the back room that they could go through, and would give me a call. I never received a call before I had to return to XXXX. I have tried calling the branch on numerous occasions but calls there are always forwarded to Citibank corporate, and they have no way yo connect me back to the customer service manager I met at the branch. So my money is gone and they have given me no recourse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have opened a XXXX checking account in XXXX 2016 with a promotional code XXXX offering XXXX XXXX XXXX miles when meeting {$1000.00} debit card purchase and process at least XXXX bill payment for two consecutive months. I confirmed when opening an account with a representative from Citibank that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. I met the requirements in XXXX/XXXX/2016, as confirmed via secure message with a Citi representative and was advised miles would be posted. On XXXX/XXXX/16, I have submitted another message to open an investigation to follow up on when XXXX XXXX miles would be posted. I was told that the investigation would take XXXX to 3 business days. It has been more than 7 days and I have yet to hear any response back. I have searched online and found out that there were numerous cases within Citibank not honoring XXXX XXXX miles bonus with opening XXXX checking account. I am being charged $ XXXX/monthly fee in my account and is about to pay another month of fee without any response from Citibank. I do not appreciate their continued to ignore this issue and refusal to award me the points I have earned, all while still charging me a fee for maintaining their XXXX checking 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 non-monetary relief
Consumer complaint received 2016-07-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I am a Costco member. On XXXX XXXX, 2016 Costco switched from XXXX XXXX to Citibank as their credit card issuer. My credit cards are set up for automatic payment. I do n't even know when they are due. I just have the full balanced paid in full each month so I incur no fees. It turns out my credit card bill is due on the XXXX of each month. So my bill was due XXXX XXXX, 2016. Today Citibank called me because my account was 19 days past due and I have incurred a {$35.00} late fee. What? I am not the type of person who incurs late fees. How is my account 19 days behind when it has not even been a month since the card was activated?!?!?! When I called Citibank ( currently on my second phone call right now ) I was told this was explained to me in the package of information mailed to me. Ya, right, like people actually read that information, just like I read every Privacy Policy of each and every website I frequent. I was told the late fee was waived, but just the audacity to pretend charge me a late fee on purchases not even a month old. This has got to be illegal. I have not even received a bill for these purchases. I assumed once I received the bill I would set up an account online and activate automatic payments like I have always done. But no, within seven days of my new CitiCard being activated, I was supposed to seek out a bill that was not sent to me and blindly pay it. Even now, as I attempt to activate automatic bill pay, which is not going smoothly and am waiting for the IT department ( 33 minutes on hold so far ), I have n't seen the bill yet. According to Citi 's website, it is not available yet. What? It 's insane! It 's wrong, wrong, wrong what Citi is doing. On my second call to CitiBank, the customer service rep told me it is XXXX XXXX 's fault for not notifying customer 's properly about this situation. Or, CitiBank could have just sent me a bill for my XX/XX/XXXX expenses at a reasonable time, XX/XX/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 2016-08-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
In XXXX XXXX, 2016 bought car and have it financed with Quality Acceptance in XXXX XXXX Californian. My payment began on XXXX XXXX, 2016. My payments were make on time but were not posted to my account. I make payment at XXXX stores ( Pay near me ). I have sent copys of payments but still show that I 'm a month behind.. Pay near me as also emailed company confirming these payments The company also increase my payment with out my knowingly. 
I have send them copy of my insurance. 
I never have receive a written contract about financed. Just an introduction letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This company is not licensed to collect a debt in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX XXXX, I received mail from Citibank with a promo code that if I opened a Citigold accound with them and met certain requirements ( maintaining min {$50000.00} in account or paying monthly fees on the account, using the account for automatic bill pay, using the debit card with some minimum spend etc ), that I would be awarded XXXX XXXX XXXX miles. I opened the account and met all the requirements by XXXX XXXX. All my paperwork from the opening of the account has the promo code and the terms of the promotion. I was told it would take 90 days after the requirements were met for the miles to post. On XXXX XXXX, XXXX, the miles had not posted. I was told to wait until the next cycle XXXX XXXX. When the miles did not post on XXXX XXXX, I was told that in fact, I was not registered for the promotion and would not get the miles

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 2016-05-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
To Consumer Financial Protection Bureau, I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. 

In XXXX/XXXX/2015, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. This promotion was for Citi AAdvantage Platinuum Mastercard customer, which I am. The promotion was set to end on XXXX/XXXX/2015. Knowing that the application might not be approved before the XXXX, I had confirmed via phone with a Citi Bank representative on XXXX/XXXX/2015 that the application will be processed before the expiration date of the promotion, and that I qualified for the bonus offer of XXXX American Advantage points upon meeting the promotion requirements : Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform 1 or more bill payments for 2 consecutive calendar months Similarly, I confirmed via phone again in XX/XX/XXXX, at activation of my account that I qualified for the promotion. This information should be discoverable as all conversations are recorded by Citibank. 

XX/XX/XXXX, after I met the promotion requirements, I contacted via phone Citibank to confirm this and to inquire when to expect the points to be posted. During this conversation, it was confirmed again that I qualified for this bonus offer. I was told to expect points to be posted within 90 days, and to check back if this did not happen. I provided my AA number at the time in hope to speed up the process. 
On XXXX XXXX, I inquired again about the status of the promotion with Citibank. A service request was logged by customer services to open an investigation ( reference number XXXX ). 

On XXXX XXXX, I received a formal letter from XXXX XXXX, Director, client research, informing me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. See attached letter from Citibank. This letter contradicts all discussions I had with Citi at the time I opened the account, at activation, and after meeting the promotion requirements. I would not have open a bank account with Citibank if it was for this promotion. I anticipated to use the points to plan for a vacation. 

All phone conversations with Citibank are recorded and should be discoverable. 

I am requesting Citi to honor the set promotion and to waive all fees for this account until the points have been posted. 

XXXX XXXX. 

Attachment Screen capture of application Letter from XXXX XXXX at 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