vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XXXX/XXXX/XXXX - Macy 's issues branded credit card to consumer. 
- Purchases using special discounts that were offered if the card was used on the same day ( that the credit card was issued ). 
- Macy 's issues a statement for the above purchases with a due date of XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX - Account paid in full per the last statement issued on XXXX/XXXX/XXXX. 

DECEPTIVE AND ABUSIVE PRACTICES Although consumer paid the account in full based on all information provided by Macy 's / Citibank on their monthly statement, Macy 's / Citibank continued to accrue interest from the date of the last statement. 
Macy 's / Citibank is engaging in unethical practices on two counts : 1. Macy 's entices its customers to apply for its branded credit card by offering instant approval and a discount for purchases made the same day the card is issued. What it does n't disclose is that it issues a billing statement on the same date that the card is issued and the first purchases are made, which guarantees most customers will miss the first payment. 
XXXX. Even though consumers may pay in full based on the last statement provided, Macy 's / Citibank intentionally accrues interest in a deceptive manner that guarantees the account will never be paid off, resulting in exorbitant service fees and other charges. Specifically, by the time the consumer receives a statement, even if the consumer immediately pays in full, a small interest charge has already accumulated. The predatory aspect of this is that Macy 's / Citibank relies on the consumer 's reasonable belief that s/he has paid off the account in full. Macy 's / Citibank 's subsequent interest and late charges amount to deceptive / predatory credit practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am in receipt of my XXXX credit report number : XXXX, dated XX/XX/XXXX, and I noticed Macy 's, ( XXXX XXXX XXXX, XXXX, OH, XXXX, ( XXXX ) XXXX ) placed an unspecified inquiry dated XXXX XXXX. I have existing accounts with Macy 's and did not request the following ; 1 ) open a new account 2 ) complete or request an application for a new account 3 ) place a request for an increase of line of credit on existing accounts. 
Therefore, under the FCRA Macy 's had no validate reason to place an hard inquiry on my consumer credit report and refused to delete said inquiry until XXXX. 
I believe Macy 's is engaging in XXXX profiling and intentionally using techniques designed to lower the credit scores of minorities. In XXXX, I filed and complaint with CFBP against Macy 's for failure to report my accounts with the XXXX credit bureaus which lowered my credit score. Macy 's intentionally placed an hard inquiry on my XXXX credit report as an retaliatory action in addition with the sole purpose lowering my credit score.

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 2016-05-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened a XXXX Checking account with special offer code XXXX ... for which the offer was that after specific transactions were completed I receive XXXX mile credited to XXXX XXXX Advantage Account. 
I called in to open the account and specifically requested this special offer to the Customer Service Rep who opened the account with NO issues and NO disclosure that this offer was " targeted ''. The welcome book sent for new account opening even has the disclosure for the special offer program with the terms and conditions provided. 
Once I completed the necessary transactions I requested the Citibank validate the completion and provide an indication on the timeframe of the credit going into my XXXX Advantage account. I received an email back from Citibank indicating I was n't eligible for this promotional offer as it " targeted '' and they would NOT award me the points. At NO time during the opening of the account did the Customer Service Representative indicate this was a targeted offer and that I was not eligible to open account. The account is a high monthly fee service charge of $ XXXX/mo. 
I opened an investigation into the issue, knowing that this is n't " fair '' and certainly appears to be a " bait and switch '' marketing tactic. 
Citibank responded to the investigation requesting I provide the source of the special offer, which I believe was on the XXXX XXXX website in XXXX 2015. I was searching the internet to see if I could locate where I may have run across this offer, when I saw numerous reports and complaints filed with the CFPB over the same special offer that Citibank was refusing to deliver on the special offer of XXXX miles for XXXX XXXX. 
This is very concerning that such a large institution as Citibank is not standing behind their marketing campaign 's, allowing consumers to open checking accounts under false pretenses/expectations. 
To make matters even more frustrating a family member of mine that that lives at the same address opened the same account with the same promotional offer and has received his miles credited to his XXXX XXXX account. At no point did he receive any push back Citibank indicating he was n't eligible since the offer was targeted. 
This feels like discrimination and that Citibank does n't have compliance controls in place to regulate these accounts to insure fair treatment of all 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 2016-01-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have once again been locked out of my citi bank credit card access. This is the second example of this happening to me in the last six months. I previously had to cancel my XXXX XXXX XXXX XXXX due to the poor design on citibank 's web portal. The first instance was on XXXX XXXX of 2015. I was kept on the phone for over an hour and was refused assistance which resulted in me cancelling the card. 

Today I phoned in again as instructed by the web portal to XXXX, I spoke to XXXX, agent ID XXXX. She deleted my login and asked me to re-register. I was then once again unable to re-register the card. She refused to have someone call me back at a later time and gave no other solution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank is still reporting inaccurate information on my credit reports XXXX. Both agencies reflect the account was paid in full back in 2011 but continue to report the account as a charge off. I need this account removed as they continue to damage my credit & are supplying the bureaus with inaccurate 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 explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I attended an XXXX program in XXXX and took out student loans. Upon graduating and beginning repayment, I was often contacted by customer service given XXXX amount owed ( $ XXXX/month ). I was not aware that this XXXX amount I was told was outstanding, represented the balance of XXXX loans. Therefore, when I had financial issues and could not repay, one missed payment represented XXXX negative hits ( XXXX for each loan ). While missing 7 payments over the course of 4 years is not good, it is far worse that each loan was reflected as non payment ( XXXX negative marks ). I was never told I had the option to pay some loans, which resulted in lower payments. And while some would have and could have still been delinquent, all XXXX loans would not have been. I believed all the loans came from institution, and therefore there was only one payment due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Citibank removed from our account, without our authorization {$5100.00} on XX/XX/XXXX. This created a negative balance in our account and has left us without money for food, gas, presents for our children for XXXX ... This has created an enormous hardship on my wife and I and has resulted in immense XXXX causing my wife to become XXXX. This situation was created when Costco switched from XXXX XXXX to Citibank as their major credit card holder. We were over our limit with XXXX XXXX and XXXX XXXX allowed us to make payments on the current balance. Citibank, however requested that we pay the entire amount immediately when the change took place. I called Citibank and requested payments which we set up on the phone at that time. Since then I have routinely made payments on the Citibank account, however Citibank continues to attempt and some months succeed in removing the entire amount which is what occurred on XX/XX/2016. I had just made a payment on XX/XX/2016 of {$500.00} toward the balance on the account. Thanks to a couple good friends we were able to buy food this week but we have accrued enormous over draft charges and other fees due to Citibank 's theft of our account. We have been forced to acquire the services of an attorney in an attempt to remedy this matter given that Citibank has been less than cooperative in returning the money as they have in the past.

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 2015-07-02 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had a {$0.00} balance on my Macy 's credit card and still received a bill for {$2.00}. Had I not checked ( assuming the bill was {$0.00} ) I would have missed a payment, negatively affecting my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
After pulling a copy of my credit report I noticed that XXXX XXXX is reporting that I owed them {$1800.00}. I have never done any business with this company and have never owe anyone that amount of money. So on XXXX XXXX I mailed a certify letter to XXXX XXXX informing them that I am disputing the debt that they say that I owe, provide me with any papers that show that I agree to pay them. I also requested validation of the so called debt and ask them to delete and stop reporting false information to the XXXX major credit reporting agencies. 

On XXXX XXXX 2016, I received a letter from XXXX XXXX claiming that my letter is lacking in any specific information and therefore they can not investigate my claim and that I will hear from them within 90 days from the date of their letter. This is a clear FCRA violation, I should get this information within 30 days of my letter. I mailed a second request on XXXX XXXX, 2016 and its now XXXX XXXX, 2016. I have yet to receive any proof from XXXX XXXX that I owe any debt to them and the company is still reporting to the XXXX major credit bureaus that I owe them. 

This company is in violation of the Fair Credit Reporting Act and continues to defame my character by reporting this frivolous debt.

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 2016-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This complaint is on behalf of our client regarding their mortgage with Citi. We are the XXXX XXXX of XXXX XXXX assisting our client with their mortgage issue. We 've been trying to obtain vital information pertaining to their loan. A full modification package was submitted with hopes of an update. The account manager was reassigned to a XXXX XXXX at Citi Mortgage XX/XX/XXXX. Since that transfer, we have no been able to get any updates for the modification application that submitted for review. By now the document will have to be resubmitted again- another delay tactic from Citi and it 's employees. XXXX XXXX called our office maybe three, four times tops and sent random emails advising he called and I schedule an appointment to speak with. This is beyond exasperating, time consuming a violation out of CFPB guildelines, TILA guidelines and Regulations X and Y. It is impossible to get an representative who cares enough to go deeper into the file and inform us on the status review. To make matters worse, we had to resubmit the authorization countless times before to Citi when one was already issued and a confirmation of receipt was acknowledgement. What is going on here? Our client is only trying to make amends with the mortgage company but there seems to be unreliable and uncaring representatives handling this file. Once the authorization and cease and desist was provided ( again ) XXXX XXXX sent an email advising he will reach out the borrower instead of the firm. XXXX XXXX will make no attempt to call our office unless he receives a message advising him to return the call. 
How long will this " review '' take before we are provided with a response? This file has been going through the ringer since XX/XX/XXXX. What next, foreclosure? Please have this file reassigned to another representative immediately. We no longer want XXXX XXXX or his manager assigned to his file. There 's only so many emails and messages you can leave a representative and his manager. We can not provide our client any reassurance or creditable updates on their case. If possible, I am requesting to have XXXX XXXX reassigned to this 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 2016-02-09 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
In XXXX I made a purchase under {$25.00} using my Macy 's card. The following month I paid the full balance. A few months later I tried to use my Macy 's card but was declined. I called Macy 's customer care and was told that they received the full payment, however there was {$5.00} interest fee applied after the billing cycled closed. That 's why I could n't use my card. I paid the {$5.00} while on the phone with the Macy 's Rep. She told me I had a zero balance. I said I 've been told that before, but look what happened. She stated she would note the account in case additional fees were again applied. About a month later, XXXX XXXX I tried to use my card and again was told it was declined. I called Customer Care again and found now there was a {$2.00} charge sitting on my account unpaid so the account was deemed delinquent. The Rep saw the notes on the account, apologized and waived the {$2.00} but advised me my {$1200.00} credit limit had been dropped to {$100.00}. My credit report now shows that I was 30 days or more delinquent for an amount less than {$24.00}. I 'm disputing the negative rating score. If you pay the balance, that mean 's there 's nothing left owed. You should not be surprised with a {$5.00} or {$2.00} fee after the balance was 'paid in full ' and have your credit destroyed. The most I have ever charged on the card was {$240.00} and I always paid the balances in full within 45 days. On XXXX/XXXX/XXXX I called Macy 's and verified that my balance is truly XXXX, then closed the account. I 've never had issues like this with the other Department stores I have lines of credit with, only experienced this with Macy 's. : o (

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 2016-09-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macy 's is erroneously reporting a negative payment history for XX/XX/XXXX to my XXXX credit report for a credit card that was settled XX/XX/XXXX. The account balance is correctly reported as XXXX and the payment status is correctly reporting as " Settled, '' however the erroneous reporting of a recent negative payment history has a significant and negative impact on my credit scores. XXXX and XXXX correctly report an " OK '' payment history for this same time period, so although it is possible that the fault lies with XXXX, Macy 's has ultimate responsibility for the accurate reporting of this 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 2015-08-09 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citi Prepaid card XXXX expired on XX/XX/2014. It had a balance on it that Citi Prepaid ( 3rd party contracted by Citibank ) refuses to reissue. Per CFPB, the balance is valid for 5 years even if the card expires. I spoke to XXXX, rep number XXXX who despite being informed of the CFPB guidance refused to comply and refused to reissue the card or the amount. I feel cheated out of my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Consumer Financial Bureau. 
As I have already stated in my complaint # XXXX, I have been for the last 4 years trying to settle an equity loan with Citibank Financial group. After receiving a loan settlement from XXXX in which I responded with a payment plan of 6 weeks they denied once it was submitted to Citibank. Then citibank took back the loan from XXXX and started sending me communications. I then hired the law offices XXXX in which I submitted several loan settlements and all were turned down. Once again I am being penalized for a home that I have owned for the last 20 years. After been unable to continue payments to the law firm to represent me, I have been sent several email messages to my loan support specialist XXXX XXXX and made several telephone call to Citibank XXXX number, only to keep getting transferred from one representative to another and unable to speak to XXXX XXXX which they keep stating is my Support Specialist but she is unavailable. Although I keep giving them her extension number they will not transfer the calls to her. Citibank keeps playing games and does not respond to any of my emails or telephone calls. Meanwhile the loan interests keep on piling up and I have no way to reaching them. This is unjust and unfair. Once again proving how the big banks keeps punishing the little guys. I would like someone to intervene of my behalf and assist me in getting this matter resolved.

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 2016-04-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank is a credit card co that my Ex husband took out in my name ( with no way to prove it ), 18 yrs ago. I am XXXX and very sick.. I was NEVER contacted by this company, and on XXXX XXXX, 2015 My Domestic husband passed away XXXX we were together 15 yrs, I stopped working the next month in XXXX and in XXXX 2015 this company that I DO NOT owe tried to garnish my wages, but I was not working there when they did this and instead of repealing it they left it sit there with the company, I came back to work this month, 8 months after my " husband '' passed I got my first paycheck to find out they garnished my wages for XXXX after I called my employer, they told me, and I filed a motion with the court to have this garnishment stopped as I not only do not owe it, but am a very sick woman and can barely pay my bills. that is why I got the work at home job ... I should NOT be working now but since my " husband '' died XXXX I do not have a choice, I cant make it on my own, and this garnishment is making things harder on me. I need for them to stop this garnishment I can not pay my bills or eat with this garnishment, and the little help I do receive I wont be receiving anymore due to me working., if I can not get them to stop the garnishment I will have no choice but to file bankrupcy.

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 2016-07-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
As part of the new XXXX relationship with Citi, my XXXX account was cancelled and a new account was opened at Citi on XXXX XXXX. I was charged interest by Citi almost immediately after the new account was opened because the due date from my XXXX account was on the XXXX and when I noticed XXXX had transferred the account balance to Citi ( but not my Autopay instructions ) I paid Citi for the amount due from my previous XXXX statement, but on XXXX XXXX, incurring interest charges of {$5.00}. Although not a large amount, the account transfer, Citi did not connect this newly transferred XXXX related account to my existing online account information with Citi, so there was no way of knowing what was owed, to who and by when from Citi. I emailed them about the situation and they refused to removed the charges. The consumer seems to be at the mercy of a sloppy account transition between XXXX card providers.

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