vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened up a new Citigold Interest Checking account with a promotional code for XXXX AAdvantage bonus miles on XXXX XXXX, 2016. The promotional code was accepted and included in my Welcome Packet from Citibank. I met all the terms of the promotion, and called several times to confirm this directly with Citibank The customer service representatives confirmed that I had met the terms of the promotion, and I simply had to wait for the miles to post. Many months passed, but I did not receive the miles. I called Citibank again in late XXXX, and the CSR told me that Citibank had " run out '' of miles, but she would open up an investigation and I should hopefully receive them soon. Still, I heard nothing, so I called again about 2 weeks later, and had them resubmit the dispute. Finally, I heard back from Citibank via a digital letter, who now, all of a sudden, claimed I was not " eligible '' for the promotion. I called Citibank yet again, and a CSR echoed what the investigation said, even going as far to claim there may have been a " glitch '' in the system when I applied for the account. This is despite the fact that Citibank accepted the promotion code, printed it in my welcome packet, and then I had many different CSR 's confirm with me that I would indeed receive the promotion. I believe this entire situation has been quite troubling, deceiving, and unethical on the part of 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 monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX, 2012 our home was short sold. Citibank was included in the settlement. I have the final hud statement proving that. For every month after that they have marked the account as a 30 day late for the past 2 years. We have filed a dispute with the credit agencies, we have called Citi directly, they do not have a department we can call and they do n't have anyone we can email for fax. We were required to mail in copies of our hud and a letter and were told eventually someone will get in touch with us. We do n't have a reference number or any way to follow up. This has been going on for 5 months. This has prevented us from purchasing a home and has drastically affected our credit. The false information is preventing us from being able to proceed with our lives! The agent on the phone stated we are not the only people this is happening to. How many people are they running in circles??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I received an off from Citibank in XX/XX/XXXX ( offer XXXX ) that offered XXXX AA miles if I opened a Citigold bank account and met certain spending criteria which I met. I received a message in XX/XX/XXXX from XXXX XXXX confirming that I met all of the criteria and that the XXXX miles would be credited in XX/XX/XXXX. That never occurred. When I sent a message today, XXXX XXXX responded that, despite her prior email, I was not targeted for the promotion and would receive the XXXX miles even after confirming that I would receive them. The fact is that I did receive an offer being a Citibank credit card holder. I fell that this is a bait and switch scam and in bad faith. Please investigate this fraudulent offer and help with a resolution. Thank you.

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 2016-04-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX, 2015, I opened a new credit card account at Macy 's Dept Store. The purpose was to take advantage of attractive savings and discounts that I could use immediately upon signup. The account quickly deteriorated into a matter of Macy 's demanding payment for balances I had paid and, therefore. did not owe. The situation is made worse by the collection agency continuing to assign new penalties and interest. 

Payment was remitted for the balance on the first statement I received from Macy 's, and credit was properly given to my account. Payments for the balances on the second and third statements, however, were not credited and penalties and interest are accruing on the balance that they say I still owe. I have tried to contact them via the phone number they referred but the persons I talk to are unable to help ; apparently all they are able to do is arrange payment. They would tell me only that they live " off shore '' and that they do not have access to files other than the statements ( which I have already received! ). They recommended that I put my case in writing and mail it to an address in XXXX, Ohio, but, when I did, they responded by asking for a payment for the latest statement amount. 

There are XXXX dynamics that are worth mentioning here : 1. I pay by check in order to avoid the confusion that is at play here but, as you know, banks are able now to destroy my check and transform the payment into an electronic transaction. The receipt of payment that my bank receives from the factor is a " bank trace '' giving what is hypothetically the essential information for identifying a payment. There is no paid, or " cancelled '' check returned to my bank. 
2. The Macy 's credit card is issued by Citibank ( aka : Citigroup, Citicorp, etc. ). Citibank immediately sends the receivables to its factor Department Stores National Bank. 
Because of my inability to converse with a person who can research thoroughly my account, I am " incommunicado '' with DSNB. Meanwhile I am being bombarded with robocalls several times a day ( except XXXX and XXXX ; one must have a weekend break, you know? ) requesting that I call a certain toll-free number and arrange payment. 

May I please have your assistance in having this matter straightened out? I will be willing to have this published because, as I understand from chat rooms and social media, Bloomingdales and other stores use XXXX as a factor/collection agency and my experience can be used as a caution toward anyone who opens up a credit card like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
To Whom it may concern : Consumer Collection Management lists on my credit report me owing to XXXX XXXX. I own XXXX XXXX nothing. When I asked for proof of debt this winter they sent me nothing showing that I owed XXXX XXXX anything. Since the information they are reporting is false I would like it removed from my credit report asap. I have included my request for debt validation, what they submitted and my response pointing out that they did not submit anything showing that I owed XXXX XXXX XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX/XXXX/2016 I requested that Citibank close my checking account # XXXX. On XXXX/XXXX/XXXX I was charged a {$12.00} low balance fee. The next day, XXXX/XXXX/2016, I was charged a {$34.00} overdraft fee leaving my closed account {$46.00} overdrawn. This is not the first time Citibank has charged me excessive fees on a closed account ( see case # XXXX ) and this indicates a pattern of charging excessive fees. I want Citibank to refund all fees a close 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 monetary relief
Consumer complaint received 2016-08-23 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:
Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer makes the requirements, we are supposed to receive XXXX in XXXX XXXX points. I made the requirements, and even confirmed with a representative of CitiBank that I was supposed to receive the points by the end of XXXX. I have not received the points yet. I made multiple attempts to ask Citi to honor their agreement, but to no avail.

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 2016-08-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a Citigold Checking account using a promotion code for XXXX XXXX XXXX miles. I confirmed with Citibank the terms of my promotion via secure messaging on their website. I met the terms of the promotion and contacted Citibank because the points promised in the promotion had n't posted to my account. They responded that I was not eligible for the promotion and they were not honoring the terms of the promotion. 
I have attached copies of all correspondence with Citibank and my statements showing the promotional requirements were met. 
Thank you

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 2016-01-18 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
XX/XX/XXXX I purchased a TV on a credit promo from Best Buy. This XX/XX/XXXX it was due to expire. I called someone at the credit center and asked them why the balance was higher than I thought and did my payments go to any of the promo balance. They checked and said some payments went to the regular balance which was a low amt. I asked her if she could allocate any amount to the promo balance. She checked and she said she could with 2 pmts of {$25.00}. ea a total of {$50.00}. My promo balance at the time was {$350.00} and with that credit it would be now {$300.00}. So I said are you sure it would be fixed and she assured me it would. On XX/XX/XXXX I called the payment center to make a payment instead of making it online as I always do. I talked to someone named XXXX and I told her the story and wanted to make sure the promo was correct so I made a payment of {$300.00}. When I received my statement for this month they charged me {$380.00} for interest charges accrued on the account because I did not pay it in full. I called the credit center today XX/XX/XXXX and they said they can not fix it. They said in their notes they could not fix those 2 payments so my balance was {$350.00}. I told them that I had no idea that it was not corrected and nobody called and told me otherwise. I asked to talk to a manager and she precedes to tell me the same thing that I did not make the full payment so I owe the finance charges. I then asked to talk to someone higher and they said they would have to send it to be reviewed and see the conversation and will contact me at a later time about it. I am sending a written formal complaint to the company but I am afraid that they are not going to do anything because they do not act like they did anything wrong. I would have paid the amount in full if I thought for any reason that it was not adjusted. Why would I pay the {$300.00} on time? If I did not care about the finance charges I could have saved myself some money and just pay the minimum. I do not know what else to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-19 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:
I was pressure to sign up with Citi Credit monitoring service and did so for years paying for something I did n't user or understand.

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 2017-03-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In XXXX I purchased an item online using my Citibank Mastercard. The seller did not have the item in inventory at the time of purchase but told me they would within a month. Two months later I still did not have the item and so filed a dispute on the charge with Citibank and they provided me with a conditional credit. The item then arrived a week later. When I authroized Citibank to reinstate the charge they charged me twice for the item. In several email and telephone contacts with them I was repeatedly assured the duplicate charge would be reversed yet they have not done so and I feel I have nowhere else to turn.

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 2016-09-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I missed a payment by oversight. When they called, I told them the date I would pay. I paid the required amount on the date I had told them. However, they continued to call me. i paid on Friday XXXX but they called me 7 times on Sunday XXXX. Each time I answered the call it hung up - robo calling harassment. They called me three more times on Monday and eventually had someone on the line when they proceeded to ask me awkward questions for someone who is a working professional caught on the phone in their office.

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 2016-07-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My Macy 's American Express card was stolen and someone charged dozens of XXXX gift cards on it over a period of two months. This occurred last year and I have spent nearly a year trying to have this fixed. I have been told repeatedly that I now have a zero balance ; however, I have begun receiving calls from Collections Agencies stating that I have an outstanding {$840.00} balance on this card that has been closed for nearly a year. I am trying to buy a house and this has negatively impacted my credit score that I worked extremely hard to maintain. Today, XXXX/XXXX/16, I have been on this call for XXXX minutes and have spoken to nearly XXXX different people, all telling me different things. I have been transferred to multiple departments and people to whom I need to re-identify and re-explain the situation because they did not do so on their end. The most recent person told me that the {$840.00} balance is comprised of late fees and missed payments from the charges I never made.

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 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I reviewed your latest statement to CFPB ( case no. XXXX on XXXX XXXX, XXXX. ) I recalculated the figures using your statements on XXXX XXXX, XXXX and may have misunderstood my previous calculations ; however, I still determined CitiBank overcharged me {$6.00} and unfairly charged {$15.00} for a payoff by wire fee after escrow closed, which they can not do. 

If you will, please review the {$21.00} of overcharges described above. I believe that is extent of the overcharges now by CitiBank which should be refunded back 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 explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Today on XXXX XXXX/XXXX/2016 i saw an inquiry on my credit score, with a company name it CBNA XXXX XXXX XXXX, XXXX XXXX, XXXX wich they did a hard pull. 
i did never authorize any inquiry or soliciting any service from this company. please i try to fix and get back with my credit and mistakes or fraudulent operation can hurt people like me trying to fix our credit scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a payment to the creditor, ( Citi Bank ) after being informed by a customer service agent that my account would remain in good-standing by doing so. I went into the branch as instructed and a few days later I found out that they closed my account. Now, on my credit report it states, closed by creditor " charge-off ''. In conclusion, I 've also being charged almost {$600.00} in additional fees even though my account was wrongfully closed and it 's being reported as late every month!

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 2016-08-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
i applied for a loan of XXXX using XXXX property as collateral to citibank last year in oder to prevent the city from foreclosure on some tax lien on the properties and for some upgrading to it however the bank denied my application and has not provide me with explanation as to the reason. my credit is consider excellent above XXXX range. I was force to filed complaint in court but they have not care for my situation that at the moment am dealing with city attempt to foreclose on me cause cash situation. The case is pending in court for about a year and they have not change their position despite i being a gold category client of the bank.

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 2016-04-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FMS Inc.
State: DE

Complaint narrative:
this was a result of a fraud account thru state farm bank that i have disputed numerous times thru XXXX ref account XXXX and they sold a fraud account to a collection agency who is now collecting on this fraud account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a victim of identity theft. I have disputed this fraudulent account multiple times with Macy 's and have received no response with validation/verification of this debt. This account does not belong to me, and is not even in my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I pay One Main Financial every month. I may not be on the due date, but my account never goes 30 days late. The call me on their robo call XXXX times a day- XXXX days a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased kitchen appliances at Sears in XXXX 2014 the sales person talked me into applying for a Sears MasterCard to get an extra 5 % discount on my purchase. They also offered 0 % interest on the credit card for all purchases in the first 6 months. When I received the XXXX statement they added an interest charge of {$760.00} for the previous purchases. I called customer service and spoke with XXXX who said I needed to pay the balance before the 6 months period ended and that 's why the amount was added. This is not the way the sales person explained this to me. Making a major purchase is overwhelming and I was taken advantage of by the sales person. She never mentioned that I would incur this charge if not paid within 6 months. The total purchase was near {$8000.00} and current bal is {$2000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Without any prior notice I received a letter dated XXXX XXXX, XXXX, stating that my AT & T Universal Platinum Card account, which was issued as a charter member in XXXX, was closed. I called several times to the Citi Bank number on the card ( Citi purchased the cards accounts years ago ), and received answers that bordered on the rude and who cares category. The latest person I spoke to was more than happy to reopen the account with a new application and credit report inquiry, and probably different terms also. I told him that no prior notification was provided, and his answer was " too bad ''. 
Under the Credit Card Act of XXXX, there is a provision that 45 days notice must be provided for changes in terms and conditions. No such notice was ever given. This card was not used a lot, but I do n't recall any new rules having been adopted that credit cards must be used all the time for everyday purchases. I realize that this might not get far, but if other people have had similar experiences, maybe some attorney might want to look into the practices of Citi Bank and their breach of contract actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation