vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I graduated college XX/XX/XXXX/XX/XX/XXXX. In my entire college career I only took out XXXX loans, each for {$5500.00}, totaling {$11000.00}. With the exception of 1 year differed, I paid on the loan from graduation until somewhere around XX/XX/XXXX. In about XX/XX/XXXX, I was contacted by Citibank, that to avoid a serious increase in payments, due to a change in the law, I needed to consolidate my loan, which I did. Sometime in and around XX/XX/XXXX, I stopped to pay attention to my loan. Again, the orignial amount was only $ XXXX, I had been paying around $ XXXX/month for 7 odd years, yet the statement was saying I still owed $ XXXX. Something did n't make sense. I called Citibank informed them that I believed there was a problem with the accounting on my account, that I did not believe I still should owe any money and requested a full auditing of my account. I was sent some paperwork, but there was no auditing done on their end. I called to question this, and was told that Citibank sold my loan. Since then, I 've requested proof that I owe any money from every single collection agency that it gets purchased from. Every single one refuses. I tell every single one that I do not owe ANYTHING, and if they believe otherwise, they are going to have to prove it. Shortly after, my loan gets sold everytime. I have been a stay-at-home mother since XX/XX/XXXX. All income earned in the home is my husband 's. Yet, our XX/XX/XXXX taxes were withheld in the amount of approximately {$1600.00}. We filed a hardship, and they still kept about {$800.00}! Now, I 'm getting collection calls, AGAIN.

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 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XXXX XXXX XXXX I opened a Citi Gold checking account with Citibank with an offer stating I would receive XXXX XXXX ( worth approx. {$500.00} ) after meeting certain criteria. The criteria 's were XXXX ) making {$1000.00} in debit card purchases and XXXX ) making XXXX bill payments in 2 consecutive months, in accordance with promo code XXXX. On XXXX XXXX XXXX I called Citibank to make an initial deposit to fund my newly opened checking account. During that call the Citi Representative confirmed that I was enrolled and qualified for the promotion as long as the requirements stated above were met for receiving the XXXX miles. Then on XXXX XXXX, XXXX I called to activate my new card and confirmed the promotion details and that it was rightfully attached to my account, making me eligible as per the offer presented to me originally. I followed that call by another call around the end of XXXX to confirm {$1000.00} in spending was met, where the Citi Representative again reassured me the promotion I had signed up my account with made me eligible for XXXX miles upon completing the required criteria and it would be credited in a couple of billing cycles after the cycle in which they were met. Once I had met all of those criteria ( by XXXX of XXXX ). I called again in and confirmed with a Citi Representative that I had met the criteria, and was told to expect the XXXX XXXX XXXX XXXX to be deposited into my account by the end of XXXX XXXX. On XXXX XXXX, I called again to update my contact and address information, and during that call I again inquired about the status of my promotion bonus, the Citi Representative reviewed my account and confirmed that I had met all the requirements and to expect the bonus by end of XXXX XXXX. 
Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at the end of XXXX, Citi has pulled a bait and switch. They are now suddenly stating I am not eligible for the XXXX promotion. This is despite multiple conversations and reassurance and confirmations from Citi Representative over the course of 6 months. This is not right and I 've been lied to all this while. 
I am asking that Citibank uphold its promise and rightfully award me the bonus points that I deserve. It is not right and outright cheating that they do n't have to uphold their end of promises or pull such bait and switch strategy and get away with it.

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 2016-09-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XXXX/XXXX/XXXX at XXXX Eastern Time, a fraudulent transaction was applied to my credit card account with Citi . This transaction was from XXXX in XXXX XXXX. I called Citi within 1 hour of the charge and told them that I was not in XXXX XXXX and that I did not authorize any charges from XXXX. I am a US Citizen and have had my credit card with Citi since XXXX XXXX and never have I used it internationally. However, Citi did not block this transaction. When I called the customer service hotline and informed Citi 's representative that this was fraud, the representative cancelled my card and issued me a new one. On XXXX/XXXX/XXXX, I received my new credit card however the fraudulent transaction was still on my account. I called Citi again, in the morning, and spoke to a supervisor who then called XXXX, confirmed that the fraudulent transaction was indeed fraud and not made by me and then told me that the charge was removed from my card. When I checked my credit card account later that afternoon, the fraudulent transaction was still applied to my account. I spoke to another supervisor, XXXX from Citi 's Missouri office, and she was absolutely no help and very unprofessional. She told me that I would have to wait a week for the fraudulent transaction to come off of my account. This fraudulent transaction is for approximately {$750.00}. Because of this charge, my newly issued credit card is unusable and I have XXXX available credit. According to Citi 's customer service supervisor XXXX, I have to go without my Citi credit card for 1 week because of fraud that Citi refuses to remove from my account. Again, I have never used my Citi credit card internationally, I have never paid late, I have never been over my credit limit, but Citi 's internal controls did not block a charge that originated in XXXX XXXX and they refuse to remove the fraudulent charge, even though I reported it as fraud right away. This is absolutely ridiculous that I have a credit card that I can not use and Citi is penalizing me for ( obvious ) fraud. Citi supposedly offers XXXX liability for fraudulent charges but here is a case where there is obvious fraud and Citi will do nothing about it.

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 2016-08-30 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I was automatically converted from my XXXX Costco card to a Citibank XXXX XXXX card back in XXXX. I received no communication from either company, other than a termination letter from XXXX and a welcome packed from Citibank. The welcome packet contained the terms of the card, which clearly state that there are 12 months interest free on all purchases. There is no fine print stating that is not the case when the card was converted from XXXX, and there was no communication from Citibank that they would not be honoring their own agreement that was sent to their new customers. Talk about starting off a new relationship on the wring foot. As a consumer, I feel cheated and that Citibank purposely misrepresented this information to their customers to incite purchases for which they never intented to honor interest free promotions. This is a classic bait and switch marketing technique that should not be allowed. This is illegal and predatory behavior. I envision a class action suit in the near future for this and other woes encountered when the cards were transferred without consumer consent and any type of honest communication about the terms of the new agreement. Citibank should be ashamed of these practices, did these institutions learn nothing from the collapse they caused barely less than a decade ago??? I contacted customer service of course, and was granted relief on ONE month 's interest. But that does not help me because I had planned to pay off this balance over the 12 months I was promised. So now I will be incurring interest this entire year that will perpetuate the cycle of debt. Way to go, Citibank! You duped even a responsible financial customer.

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 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Received in US Mail a targeted promotional offer for a XXXX Citibank Thank You Points Bonus. Promotional Code = XXXX. 

Applied for and opened a CitiGold Checking Account. Requirements for bonus were 2 bill pays for two consecutive months immediately after account opening. I met the requirements in XX/XX/XXXX and XXXX 2016 - a Citibank Chat agent confirmed this. 

Confirmed again over secure message in XXXX 2016 with Citibank agents that I met the requirements for the bonus and agents said I should receive the points by XX/XX/2016. 

In XXXX 2016, I asked to reconfirm that I will receive my XXXX bonus points when they will post to my account, and was then told 2 months after ( XXXX 2016 ) that I will NOT receive the bonus because I was not targeted for the offer. I had opened the account in hopes of receiving the promotional offer, and then 3 months after account opening ( after confirming twice I met the promotional requirements ) Citibank refused to honor the promotion and denied me the bonus.

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 2016-12-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The Citi Bank checking account opened XX/XX/XXXX and {$15000.00} was deposited XX/XX/XXXX as required for the bonus {$400.00} offer which was initial deposit with {$15000.00}. This deposit has been almost 6 months now. However, I am still waiting to receive the bonus {$400.00}. Communicated with Citibank reps, I 'm eligible to get the bonus such as proper promotional code used, {$15000.00} funded outside of citi account, and it matured more than 4 months without any withdrawal fund. Rep told me that also XXXX form has been received and certified for tax purpose. No reason to delay to get bonus. I am tired to contact the over the phone and their secured message. It leaded here to camplain as last resort.

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 2016-05-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had Citi for approx. 5 years when in 2013 they cancelled my personal and business card for no reason. I applied for XXXX of their cards this week and was denied. I always paid the Citi cards every month and on time. I have excellent credit score. I also have NEVER been late in any bills in my entire life. I would like for someone to help me resolve this. I really would like to know why would Citi Card not want to give me 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 2017-03-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
BC Services is attempting to collect debt on medical bills that are supposed to paid for by medicaid. Not only that but XXXX bill was duplicated even though my son was only in the hospital for one day. The other medical debts they refuse to verify how much they bought the debt for are supposed to be paid by mediciad. Their " attorney '' claims they ca n't send it to medicaid I owe the debt.They continue to threaten to sue me, garnish my wages and even seize my assets, even after explaining I am now unemployed.

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 2015-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC.
State: TX

Complaint narrative:
Numerous phone calls and voice mails where messages are left claiming my social security number has been seized by the government, someone will be coming to my home to make an arrest for theft by deception, their is a case filed against me, and they have started calling and using my personal cell phone number to register as the number calling my phone! They have also contacted my last employer numerous times and corresponded on my private employer email account, as well as started calling numerous others and leaving information about me on others ' voice mails!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a Macy 's credit card in XXXX 2015. I did not receive a credit card so I was unable to set up online banking One needs the code on the back of the card to set up online banking. I called Macy 's who said I would receive a 30 day extension and a card in the mail. The card never came. I paid by check in the store the amount I owed. I asked via telephone at register if the balance was paid in full. They said it was. Since XX/XX/XXXX I have spent numerous hours on the phone only to be told that the fees are waived. I did this at least 4 times since XX/XX/XXXX at about 30 minutes per time. Each time they say the fees have been removed and they apologize for the inconvenience. Yet they just reported me late to the credit bureaus AGAIN, drastically reducing my credit rating and another bill for {$66.00} all late fees which I have been told over and over again that they would dismiss.

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 2016-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for a Citibank gold checking promotion that offered XXXX XXXX XXXX miles after meeting specific spend and bill pay requirements. After completing the requirements, I sent the following secure message to Citi to confirm that I had successfully completed the Citigold checking promotion. 

Account Number : Interest Checking XXXX Subject : Promotional Offer Reference : XXXX Hello, I wanted to confirm that my account has fully completed the requirements for the XXXX AAdvantage miles from the promotion I signed up for the citigold checking account. 

With the two bill pays and {$1000.00} debit transactions completed, please credit my AA account # XXXX. 

Regards, XXXX XXXX XXXX : XXXX Citibank then confirmed via a secure message that I had successfully completed the promotion and that the airline miles would be deposited into my account after 90 days from the date of completing the program 's requirements. 
More than 90 days past without having the promotional miles deposited into my account. I sent another secure message to Citibank and was then denied the promotion that I was originally approved. In addition to being denied the XXXX points, I was required to pay more than {$120.00} in account fees to keep the account open until the points had posted.

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 2016-08-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am disputing the resolution with previous case number XXXX. 
The dates are wrong the 18 month same as cash purchase for approximately {$700.00} was not in XXXX, it was in XXXX, which is what I have suspected, but was told on multiple occasions, that either that they ca n't get the information, that they do n't have to provide me a history of more than a year.. 
Finally have serval phone calls some one agreed to send me the full history, but instead, it was only the last year. So I had to file a complaint with the CFPB and now I have a fabricated, or creatively generated payment history that does n't match actual purchase, payment plans and dates. 
The 18 Month same as cash program was falsely ended a year early. 
If in fact it was taken out in XXXX, based on the payment chart provided on the explaination letter, this credit would have been paid off. ( in 3 years ), but instead they are claimimg that I still owe the exact same amount, after 3 years of payment. 

I am not making one more payment until I receive a copy of the agreements and poof of purchases for all of items thatI am being charged. 

I want all fees for late payments to be halted for their incompetent billing practices and failure to provide my the relvent proof of charges for the last year.

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 2015-08-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am beyond disappointed with the service I received while attempting to use my Macy ; 's credit card to play an order on Macys.com. I tried placing the order, but the website kept saying that my card was declined. I knew this must be a mistake as I have not missed any payments and have a {$0.00} balance. I called the customer service number that displayed, and was informed my card had been deactivated for not having been used in awhile. I was surprised to find that this occurred without any notice to me! She stated she could have it reactivated, and I asked her to do so. However, she came back on the line and informed me that due to a system upgrade, I could not use my credit card until this coming Tuesday. I was taken aback that such a mature company as Macys would take several days for a system upgrade! In this day and age, there should be no reason that a customer 's credit account would have to be deactivated for such a long period due to a technology update. ESPECIALLY without notice to the customer. 
However, I understand that such things are beyond my or the agent 's control, so I simply asked her to guarantee that when I place the order on Tuesday I will be granted the same sale price and 15 % off offer that I would receive today if the order were placed. She could not promise me this and said I would lose the pricing. With the current sale and promotion, I would be saving over {$600.00}! It is unacceptable that I would lose this price due to a system update and no fault of my own. 
I then asked to speak to a supervisor. I was placed on hold for 10 minutes, and ultimately the call was answered by another agent who was not a supervisor. She had to transfer me to XXXX, a supervisor with ID number XXXX, who could not help me. She kept talking over me and acting as if I were unreasonable in my simple request to have her guarantee the pricing. When she said she could not promise this, I asked to speak to someone above her. She said there is no one above her that I can talk to. She also said she can not make any notes in my file because my order is not yet placed. Again, this is absurd considering I have been a Macy 's customer and credit account holder for many years. I can not believe that not only did XXXX not have a supervisor I could speak to, but that in this day and age, Macys does not have the technology for her to notate my account. 
I would like to mention that the reason my account was XXXX was because I rarely ever shop at Macy 's anymore. The reason is that I have been displeased with the service and find XXXX to be a much better company. However, I was intrigued by the sale on the bedding items, and decided to give it another chance. It seems that this may have been a mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My Macy 's account managed by Citibank was written off in XXXX. The balance was moving around to different companies after the write off. That added money to the balance. Citibank took the balance back for the collection agencies and issued a XXXX in XXXX for the higher balance. I wrote the CFO of Citibank by certified mail but he did not answer me and I wrote the XXXX and they did not answer me. But this activity is a violation of XXXX XXXX, Citibank can not keep a AR on their books that was written off in XXXX and then issue a XXXX in XXXX. This misstates their treasury requirements with the Fed and misstates their filingswith the SEC, plays with my credit reporting and distorts my rights under XXXX code regarding the reporting of income. Is this what Obama agreed too?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citimortgage and I were working on a loan modification to lower my payments. After sending in everything they requested they kept calling me every XXXX months telling me they needed me to send it in again. After almost XXXX years I told them they have what they need to make a decision and I would not be sending anything else. If they wanted the house I would do a deed in lieu. They told me they did n't want the house and they sold the loan to a collection agency. I had to file bankruptcy and we ran my credit report and found out that Cotimortgage was running a credit check on me approx. every XXXX months lowering my credit score without my permission.

Company response to consumer: Closed with explanation