vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX I authorized {$100.00} debit from XXXX XXXX XXXX. On XXXX XXXX I lost my debit card which I reported lost and CitiBank declined the debit I had authorized. That same day I called Citibank to explain that I had authorized the debit from XXXX XXXX XXXX. Citi bank proceeded to debit my account but the funds where never transfer to XXXX XXXX XXXX. I have place several calls where Citibank states that the claim is under investigations after 2 months and many calls I when to the financial institution located at XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. I found out that there was not an investigation opened and there was never one opened to begin with. All this time the information they had provided me over the phone was misleading and false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I applied for AAdvantage MasterCard issued by Citi in 2015. At that time, the promotion was : if you apply through XXXX XXXX 's website, you only need to spend {$2000.00} in first three months to receive the XXXX bonus miles. I did applied through XXXX 's website and I did spend over {$2000.00} in the first three months. However, I have n't receive the bonus miles until now. 

I have contacted the customer service and was told to provide proofs of such promotion. I have faxed the promotion details including advertisement and articles from third party consumer review websites. However, I still have n't receive any bonus 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 2016-07-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I paid off my Chrysler Capital lease so I could keep the vehicle when lease expired. After almost 2 solid months, this corrupt outfit has refused to provide any final accounting of my account, or refund a substantial overpayment due me, send me title to the vehicle, or in any way acknowledge payoff of this lease! This is THE most corrupt and incompetent firms providing finance for any of the major auto brands, with a huge number of consumer complaints, and NEEDS TO BE INVESTIGATED AND FINED! The company is not even a Chrysler subsidiary, it is instead owned by Santander bank group and simply licenses the Chrysler name, further defrauding customers who think they 're dealing with Chrysler when they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
best buy paid it off XXXX they was taking it out my check XXXX I have tn care plus i never went to the doctor in XXXX and the online school never receive material so I should n't be obligated to pay my phone XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX XXXX I received a notice in the mail stating that I would be able to earn up to XXXX XXXX XXXX XXXX by opening up a Citigold account. That month after I opened the account I sent them an e-mail that confirmed that they had applied the promotion to the account and they were waiting for me to fulfill the requirements. In XXXX XXXX I sent an e-mail to get an update on the promotion. Citibank stated that my requirements were completed and that I should wait until XXXX to see the points applied to my account. As of today I have n't seen any points and citibank refuses to respond to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05 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 received a letter from Citibank saying that they will close my account for some reason, I have done my banking with them for over 15 years with direct deposits and bill pay. I called to find out why and was advised to go a branch and was not given a reason why. all I needed is to know the reason behind the decision decision to close my account. I have not done any wrong doing, there are bank institutions wanting my business ... ..no wonder they are called " XXXX bank '' ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I had XXXX late payment so Citi card lowered my limit. The late payment could not be avoided. I am told that this is an illegal act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I recently applied for a Citi Bank credit card through XXXX. I was approved by Citi Bank and told I would receive the card with activation instructions within 7-10 days. I attempted, unsuccessfully, to activate the card by using a Citi Bank internet activation site. I tried to activate the card by telephone using a Citi Bank toll free number. When I reach this latter site I was bombarded with a continuous stream of " special offers '' all of which I declined. I stopped declining after XXXX ( XXXX ) streaming " special offers ''. Citi Bank 's phone activation site would not allow me access to what I wanted to do. I was so taken back by their brazen manipulation that I decided to not activate the card. Citi Bank sent me a welcoming email two days later. I replied to the email requesting immediate cancellation. They responded that they could n't respond to my cancellation request and that I would have to use a statement to do this. I do not trust Citi Bank 's process and I want to receive a clear instruction as to how to cancel this card. Again, I did not activate this card, I do n't want it, and I do n't want it on my record.

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 2016-07-26 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I discovered a CitiAdvantage Gold credit account with an {$18000.00} line belonging to my clients this month and attempted twice ( on XXXX XXXX & again today, XXXX/XXXX/16 ) to ask Citibank that the account be frozen or closed for my client 's protection. Both clients, husband and wife, are in their XXXX, and are currently XXXX, with active cases assigned to my agency through the XXXX county California Probate Court. Each time I called my call was disconnected by Citibank. During the first call I was given a fax number and asked to provide copies of the Court Order & Letters setting forth my authority as my clients ' Conservator, which I immediately did. No one responded to my fax ( I have confirmation it was received ), or to either of my calls. Citibank would not disclose any details about the account, they ignored my fax, and all staff I spoke to appeared wholly uninterested in protecting my clients ' credit, safety or security. Everyone I spoke to at Citibank seemed to convey their sense that I was creating the problem by bringing this to their attention. I was n't even trying to close the account, merely to freeze it until I could secure the cards and learn their location. What good are elder abuse protection laws and agencies - either public or private - when financial institutions act like they do n't care about protecting seniors?

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 2016-05-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
to help clear this matter I am prepared to offer XXXX % of the total O/S balances. In exchange for re-inserting auto loan, credit card accounts and remove the consumer loan from all credit reporting. I AM SEEKING REFNDS FRON XXXX XXXX AND XXXX XXXX DIRECTLY. THOSE ARE FRAUDULENT IN NATURE AND ALSO HAVE Please send me agreements.

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 2016-07-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX charge automatically defaulted my billing to " paperless '' ... I was told that unless you uncheck it to decline it automatically defaults when paying online. I had received paper statements and generally pay it off in full whenever I have used it. Therefor it is n't a " usual reacurring '' bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I made a {$20000.00} payment on my Citi XXXX AAvantage card. It was a direct transfer from my checking account. WITHOUT TELLING ME they placed a 15 day hold on this payment and then denied charges because I was over my credit line. I had to talk to XXXX people and the bank to prove that they had the money ON THE DAY I PAID IT. Basically they collected interest on this money for 9 days. I was able to force them to acknowledge that, and to correct their error. But the the first person tried to tell me I had to wait 15 days, which is ridiculous because those transfers are relatively instantaneous.

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 2015-05-26 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have had a long standing, perfect pay history, line of credit with Citibank. It is important to maintain a good credit score and I monitor mine. Citibank pulled out of Texas and sold all branches to XXXX XXXX XXXX. As a result, my 8 year, perfect standing, on-time payments, very low balance, line of credit with Citibank was closed and moved to XXXX XXXX XXXX. The problem is that XXXX XXXX XXXX now shows a new line of credit. The CFPB should dictate that when banks move accounts between each other, the acquiring bank must use the original open date of the credit / loan. The time the loan is open, on-time payments, and low percentage outstanding all contribute to a higher credit score. With NO action on the consumer 's part, my credit score went down by over XXXX points month-over-month because the several positives with Citibank, became slight negatives with XXXX XXXX XXXX ( new credit, new credit inquiry, no payment history ). No other changes occurred on my credit reports ( except slightly lower balances on month-end cycles on XXXX credit cards as compared to previous month - which should have resulted in an increased credit score ). In my case, my excellent credit rating went down to good but many other consumers would have been more detrimentally impacted. This is an opportunity for the CFPB to make the banks change their account conversion / account acquisition practices, and methods to not negatively impact the consumer. Of course the consumer credit score effects the rating and interest rate on new credit, extension of credit, etc. This complaint should be directed against both Citibank and XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
this is the fourth complaint about this company they sent us a letter stating they sent our information to wrong adress now they want us to get identity theft protection it is bad enough they are runing our credit now our safety. something must be done to protect us from all these fraudulent things they are doing i am trying to get a lawyer to help us. this is consumer protection please help us stop all the harm that is being done to us we are senior

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
I called the company for a balance on a current debt that I was paying off because they did not update the computer and my online account said that I still owed the full amount. Upon calling, the representative said I had another account. I told her I did not know about that account and she said it was probably because the bill was sent to an old address. Although, the company has my current address, I updated my address with them. After hanging up, I realized that the address they sent the bill has someone who will hurt me if she finds me living there. I called back and asked why they sent the bill to an old address when they have the current address on file. She told me that they did not send the bill and that is not what the first representative said and that all calls are recorded. I told her my lawyer will be subpoenaing that record. She said she was going to get a supervisor. The first girl got back on the phone and tried to tell me that is not what she said. I tried to tell her that she did say that. The so called supervisor got on the line and told me that they can not control when they get bill. I told him that was not the issue. The issue is that they sent to the wrong address when they have the correct one on file. Also, that they put my life in danger. He tried to argue. I told him that my lawyer will be subpoenaing the records. He said get your lawyer and hung up. I called CFPB and the representative told me a few things to protect me against scams. I called back later without giving the representative any information and asked for their license number. At first, she told me she did not know what I was talking about. She put on hold a couple times. Finally, she told the company did not have one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citi closed my credit card account without warning. Customer service said they could not tell me why my account was closed and I had to write directly to Citi Bank. I wrote Citi Bank asking for an explanation and for them to reinstate my account. They responded via mail quickly, but the said they would not reconsider their decision but still would not offer an explanation for why my account was closed. As of the final billing cycle, I had accrued {$150.00} in cash back rewards and Citi deems these points to be forfeited due to the status of the account. If I had been warned of a shutdown, but did not heed the warning, then I could understand the forfeiture. However have my account was always in good standing and involuntarily closed by Citi without warning and my earned rewards involuntarily forfeited without explanation. This is not acceptable. Citi earns money per each transaction and promises rewards on these transactions to their consumers. If I had known I would not receive rewards for these transactions I would have taken my business to a competitor instead. Citi may have chose to cut ties with me, which is their right, but to not pay the accrued rewards I earned is extra revenue to Citi, directly at my expense. I sincerely ask Citi to pay the rewards due to me and to reconsider my business.

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 2015-10-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I bank with Citibank. 
On XXXX/XXXX/15 my balance was {$8.00}. 
On XXXX/XXXX/15 Citibank charged a monthly banking service fee of {$12.00}, which made my account overdrawn. 
On XXXX/XXXX/15 Citibank charged me a {$34.00} overdraft fee, because of the Citibank service fee charged to my account overdrawing the account. 

Is this legal? 

Below is the end of my live chat conversation with Citibank? 
Is what they are saying true? 


XXXX : at XXXX, please repeat the stance of Citibank when it comes to Citibank service fees overdrawing an accountNoble : at XXXXXXXXWhenever an account is overdrawn, account will be charged with the Overdraft fee of {$34.00} on the next business day. You can avoid the overdraft fee of {$34.00} by enrolling into our Overdraft protection. 
XXXX : at XXXXXXXXAnd that will also occur when a customer has a positive checking account balance, and then a Citibank service fee is charged that makes the account become overdrawn? 
XXXX : at XXXXXXXXYes, Overdraft fee will also occur when the account is overdrawn due to service fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
We need the following information. 
Affadavit 's were filed by XXXX CitiMortgage a.k.a. Citibank 's Vice President. " Representatives ''. However, there is no County or state seal as to the whereabouts the documents were signed and attested too. Please provide the appropriate State , County and Location for XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX, and XXXX XXXX. 
Are the Citi representative 's above located at the XXXX Branch? XXXX Branch in XXXX Coiunty? XXXX Branch? XXXX Branch? 
Thank you for your prompt response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I was a member of Costco. I did not need their service and let the membership expire at the end of the first year. Near the end of my membership, Costco switched from XXXX XXXX to Citi XXXX. I received a card in the mail without asking for it. I did not want the card. I called Costco and told them I was not renewing my membership and that I did not want the card. Costco said I would have to call Citi. I did, and told them I did not want the card ( which I had destroyed ). 
I later received a bill from Citi. I called Citi and told them that I had not activated the card and did not want it. I told them to reverse the charges on the card - which includes a {$37.00} late fee. I returned the billing stub with the same request. 
Soon after I began receiving calls at my office asking me to check my online account. These calls come nearly every day. 
I recently received another bill from Citi. I do not understand ( except in the light of the issues at XXXX XXXX ) why they will not close the account and move on. This is harassment and I have no intent to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-27 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I submitted a change of address request to XXXXSears Master Card. I XXXX in XX/XX/XXXX, my minimum payments were {$10.00} so therefore made them {$25.00} a month while awaiting my statements to be forwarded to my new mailing address. Months went by and I had not received my statements, I tried logging into my account but the website certificates were not authorized on XXXX and the page would not load. I continued to make $ XXXX monthly payments but one arrived a day or two late which created a late fee which caused the months of XXXX through XXXX to be less than the minimum amount. However, I had no way of knowing because Citicorp had not honored my change of address request and I was not receiving statements and I could not log into their website due to certificate issues on the XXXX. I never knew that a payment was receive late because I had not received statements which are required by law to be provided to the consumer. Upon my return to the States in XXXX, I paid off remaining balance and it was not until a XXXX Credit report that I realized that CitCorp reported me four months behind on payments even though they had been receiving regularly monthly payments for more than the minimum due. 

I contacted them in XXXX, XXXX and again in XXXX via letters and a BBB complaint. I spoke to a representative that confirmed that they had received my change of address and was unsure why I had not received those statements. It was escalated to the Credit disputes department with no word until a letter was received from XXXX XXXX form their Executive Resolution Team. I appreciate the letter and response but the letter contained many inaccuracies that I have addressed. To date, Citicorp has continued to report my payments late even though they received monthly payments and they never provided me with monthly statements to my change of address as requested and received by Citicorp per their representative. I was charged extraordinary late fees for months that I was never late but failed to meet minimum payments because of a late fee which was caused by not receiving statements. Therefore & lt ; for a original balance of {$95.00} owed on XXXX Statement, I paid {$350.00} in which {$230.00} in late fees for something I was unaware of because they never sent me a statement. They claim I was on electronic statements from XX/XX/XXXX which is false because I was receiving them prior to my departure in 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