vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi XXXX points in exchange for opening a CitiGold account and scheduling XXXX bill payments from the newly opened account. 

XXXX Citi XXXX points equals {$800.00} in travel on XXXX XXXX when used with the XXXX credit card. And I opened XXXX CitiGold checking account, which XXXX Citi XXXX points equals {$1600.00}. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I confirmed with Citi in private messages and XXXX that XXXX of my accounts are linked for the offer of XXXX XXXX points after I fulfilled the requirement. Which is within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

And after I meet the XXXX requirements, my account will be credited with the XXXX XXXX points within 90 days from the last date of the statement cycle in which I meet the requirements. 

On XXXX XXXX, XXXX, I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 

Between XXXX XXXX, XXXX to XXXX XXXX, XXXX, I have made several internal chats with Citi representatives to confirm my bonus with be posted within 90 days from the last date of the statement cycle in which I meet the requirements. 

On XXXX XXXX, XXXX, I did not receive my bonus points as promised. 

On XXXX XXXX, XXXX, I went on chat with XXXX and explained that I did not receive my points. An internal investigation was opened. 

On XXXX XXXX, XXXX, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a XXXX Points promotion offered in conjunction with the opening of your account. '' On XXXX XXXX, XXXX, I appealed this denial, citing written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 


-- -- Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 




THE NEW JERSEY CONSUMER FRAUD ACT : If a jury or a court determines that a party has committed an act of consumer fraud, then that party must pay three times ( 3X ) the amount of damages awarded to the other party. ( XXXX. XXXX XXXX California and Federal Consumer Laws : Legal Guide XXXX FRAUD - XXXX XXXX et seq., XXXX et seq.

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 2016-07-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX 2016, I applied for Citigold account using a targeted promotional code ( XXXX ) that offers XXXX XXXX XXXX miles after completing all requirements. After completing all the requirements and told to wait at least 5 months by a representative at a local branch in XXXX, CA, I am now being told that I did not qualify for the promotional offer. If I had been told that I would not qualify for the promotional offer initially, I would never have applied for the account in the first place. At this point, Citibank has already charged me {$60.00} in fees to my account as I waited for the promotional miles to be placed on my account until I recently followed up and was told that I did not qualify for the offer.

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 2017-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
My name is XXXX XXXX, I live in XXXX XXXX, SD and have a mortgage with Citi bank/Approximately 5 years ago citi bank informed me, they were willing to refinance my first mortgage and reduce my interest rate and the payment on the first mortgage, I have a second mortgage as well with an interest rate of 8.5 % so I have paid well over {$500.00} per month than I needed to, since then on the second mortgage. This totals over {$6000.00} in excess interest and even though I have called them many many times, asking for them to lower the interest rate on my second mortgage with them -- -- nothing!!!!! I have spent more time on the phone, begging for someone to take care of this, all I get is out on hold and no one does anything! I have made many appointment for a loan officer to call me, I wait at the designated time after waiting and no call from citi-today I asked for the pay off on the second mortgage and got that amount almost imediately, so I will have to borrow the money some where else and pay them off-is seem obvious I mean nothing to them, I have never missed any payments. I am XXXX years old and I wonder how can a bank as large as Citi Bank get away with such horrible service and treatment to it 's customers, are all the regulators asleep or just on permanent vacation? How could a bank get away with stealing over {$6000.00} from me when interest rate have been at record lows for so long? Is it any wonder that Donald Trump has become president, maybe he will bring back good old common sense, ,My cell phone number is XXXX, any one who wishes may contact me XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Stenger & Stenger, P.C
State: IN

Complaint narrative:
Stenger & Stenger have contacted me in regards to a debt without supplying my signature that I owe this debt or validating this debt. I would like to seea ny original documents with my signature in regards to this matter. I have disputed this with the credit bureau and this claim of debt owed was removed from my credit. I have now received a civil wage garnishment on a debt from 2009 and again have not been supplied with any information that this is valid. They are now using threatening tactics. This is not a fair practice to me. They are now contacting my place of employment and other contacts that I have not given permission to do so. CASE # XXXX with XXXX County Indiana has been closed and they are still threatening action. They are trying to threaten on an invalid debt past the statutes of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX, I applied for and was approved for a Citi XXXX XXXX Credit Card. On XXXX XXXX, 2016, I received an email reminder because I had n't yet activated my card which ended in XXXX. On XXXX XXXX, 2016 I received a second email from Citi saying they received the credit card back in the mail as returned. I own a single family house on a major road. It is XXXX XXXX XXXX. I called Citi on XXXX XXXX, 2016 and informed them of the email and that I had n't received my card. The representative told me he would send me a new card. Just to be safe for security, he would close my account and send me one with a new number, ending in XXXX. On XXXX XXXX, 2016 I called Citi as I still had not received a credit card. They told me I had permanently closed my account on the XXXX of XXXX and would not be getting any credit card. Over the course of 2 hours and 15 minutes I was transferred to 7 different representatives as they tried to reopen the account or issue a new credit card. I refused a credit check since one had just been performed in XXXX, the account was permanently closed by a Citi representative inadvertently, and it hurts my score every time a check is performed. I was unable to speak to a supervisor. Reasons given included it was outside their working hours ( no working hours listed when I asked if I could call back ), all on the phone and unable to hold for them, there are n't any supervisors, they do n't have phones. By the end of the call I was told my account would be reopen within 24-48 hours of my XXXX XXXX call. On XXXX XXXX I called in to check the status. There was no update. Again I requested to speak to a supervisor - no dice. 
On the afternoon of XXXX XXXX I received a bill in the mail for the second credit card that was never shipped for {$0.00}. I called in again and was informed that there was no status update after 9 days in regards to the account being reopened but that a supervisor had indeed reached out and called me earlier in the day. I did in fact have a missed call from an unlisted number from XXXX XXXX, no message was left, and the number does not allow call backs. The representative stated only a supervisor could reopen the account and they were doing everything they could. The representative could not place me on hold for a supervisor and could only put in a request for a supervisor to try again in a few days. How is one call without leaving any message or way to contact them back over 2 months doing everything they can?

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 2016-12-30 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CFPB case # XXXX XXXX weeks and no response. See attached letter When looking side by side at our original check dated XX/XX/XXXX sent by us in good faith before due date on XX/XX/XXXX per CITI stmt and what CITI transposed and submitted incorrectly, it is clear their end made an error causing the bank check to bounce twice. The check # was NOT XXXX like CITI input but was # XXXX so this was NOT my fault or my credit unions fault. 

On XX/XX/XXXX, I have made arrangements with my credit union to stop pmt on the original check and the funds are in my account but I will go no further until resolution fair to me is reached.

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 2015-05-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I have received no contact with anyone regarding a bill that I owe. I just received a letter in the mail from Transworld Systems Inc, stating that I owe them money. They advised if I do not contact them within 30 days after receiving this notice, they will assume the debt is valid. I have tried to contact them by phone and have been unsuccessful. The voice mail that I was connected to stated that it is full and I ca n't leave a message. How can a company just give you 30 day to prove the debt is n't your when you do n't even know what it 's for in the XXXX place? Is this company a fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX/XXXX/16 I received a call from a scam falsely claiming to be IRS and that I owed over {$5000.00}. I was told that I must buy a {$500.00} tax payment voucher or {$500.00} of XXXX gift cards at Best Buy and call in the numbers on the gift cards, or face a warrant for an arrest. I bought the {$500.00} worth of XXXX gift cards at the Best Buy, but did not call in the numbers to the scammers. I went to my elected official and I was told it was a scam. So I went back to Best Buy immediately to return the XXXX {$500.00} gift cards and to have my credit card purchase cancelled. Best Buy told me that you can not return XXXX cards once they are purchased. 
I write to ask your help in allowing me to return the Best Buy {$500.00} gift cards and have my credit card purchase cancelled. My credit card company called Best Buy and confirmed that Best Buy policy does not allow return of XXXX cards. 
Since then, I recently heard a news report by XXXX that retailers should be aware of this scam and warn customers before making large purchases. I was not made aware of this scam by Best Buy, so I believe that Best Buy should accept my return of the XXXX cards and cancel my credit transaction. 
It just seems wrong that XXXX & Best Buy were aware of this scam and profited by my purchase. The Best Buy manager felt sorry for me that I am a XXXX that was victim of this scam, but still did not cancel the transaction.. It seems wrong to me that XXXX and Best Buy profited on this XXXX scam. 
The Best Buy is at XXXX XXXX XXXX, XXXXXXXX Also, I filed a report with the Treasury Department on this scam. 
Thanking you in advance for your help.

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 2015-05-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased a brand new XXXX, side by side, refrigerator in XX/XX/2015. The ice maker quit producing ice in the month of XXXX, but because of the cold weather, we were unaware of this fact. The following month the refrigerator was not cooling properly and we notified XXXX directly. They ( XXXX ) sent a repair tech out to our home XXXX different times and he replaced the ice maker. BestBuy Consumer Credit company was contacted and a dispute was initiated. They have denied the dispute because I did not purchase an additional warranty through BestBuy

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: Billing disputes — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
This complaint is against Sears MasterCard and the refusal of that company to remove an unauthorized and contested charge. 
Details : 1. On XXXX XXXX, XXXX I made the mistake of enrolling with a company called XXXX, headquartered in XXXX. 
2. The fee for a 2-year enrollment was {$290.00} and was paid for with the Sears MasterCard. 
3. The account number for this card is : XXXX. 
4. After enrollment with XXXX I received a " Paid Invoice '' document stating it is for " Membership ( 2 Years ) which is attached as an exhibit to this complaint. 
a. I believe this receipt was mailed to me using the US Postal Service. 
b. No other document was received. 
5. Nothing was received stating any of the " Terms and Conditions '' of membership especially as relates to cancellation or re-enrollment for any services. 
6. No notification was received from XXXX as to a yearly fee of {$99.00}. 
7. No communication was received from XXXX whatsoever. 
8. When I received my Sears MasterCard statement for XXXX, XXXX the amount of {$290.00} payable to XXXX was shown. ( See the pdf file attached which contains documentation related to this complaint. ) 9. The {$290.00} charge was not disputed as I had authorized its payment. 
10. The XXXX XXXX statement for the Sears MasterCard showed a charge of {$99.00}. 
11. The amount of {$99.00} on the XXXX XXXX statement was not authorized. 
12. I called Sears Account Inquiries at XXXX to dispute this charge and to advise this was not an authorized charge. 
13. XXXX made an unauthorized charge to this account. 
14. The XXXX XXXX statement from Sears MasterCard shows a {$99.00} credit to my account. 
15. The XXXX, XXXX statement from Sears MasterCard shows a {$99.00} debit to XXXX. 
16. Sears MasterCard sent a letter dated XXXX XXXX, XXXX advising they could not " ... .recover the funds on this charge ... '' for reasons stated. See the XXXX XXXX Sears MasterCard statement in the document submitted. 
17. Shortly after I received the XXXX XXXX, XXXX letter from Sears MasterCard I again called to protest this charge and to demand it be rescinded. I had not authorized this charge and was not notified that the {$99.00} would be charged to me unless I took action to stop the charge. 

The documents attached as a pdf file are those referenced in the narrative above. 
I repeat, the charge of {$99.00} assessed by XXXX was not, repeat not authorized and I demand it be removed permanently. 
This is the second time I have had great difficulty with Sears MasterCard refusing to remove unauthorized charges. 
Please see that Sears MasterCard credits my account for the {$99.00} and does so on a permanent basis.

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 2016-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK CAPITAL FUNDING CORP
State: VA

Complaint narrative:
There are some mortgage companies that pulled my credit with out my permission and it want all of them off my credit report i did not give permission to have my credit pulled i am working with one lender and now it did not though casue of all of this other being pulled it is not right i wan this fixed as soon as possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ZENCO COLLECTION, LLC
State: TX

Complaint narrative:
zenco collection company calling my place of employment at three times or more per day, after i have requested them to contact me by mail

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2016-03-21 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to dispute a billing error in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my account. The amount is inaccurate. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well.

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 2017-02-01 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I recently discovered that I was " enrolled '' in a credit card protection insurance plan for my Macy 's credit card. I called and cancelled the plan, but discovered that I have been enrolled in the plan since the date that I applied for the credit card in XX/XX/2009, and have been paying this " insurance '' for close to 8 years and have spent a total of {$290.00}. I believe the insurance/credit protection company is called " XXXX direct, XXXX, and they are affiliated with Citi Credit Cards. I called to obtain their exact name, and even this was an issue. They informed me that their name was " XXXX '' affiliated with XXXX. They claim that you specifically enroll in this program when you apply for the credit card ; however, I would clearly never explicitly opt in to a scam such as this. I am sure that I am not the only person that is experiencing this " surprise. '' These companies should have to obtain your explicit consent to enroll you in this program, and should also e-mail/and send you monthly communications, allowing you to be aware of not only the amount of money that you have paid them, but also so you are aware that you are even enrolled in the program.

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 2016-05-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a Citi Gold checking account. I cancelled the account. I have credit cards with Citi. Citi will not allow me to link all my credit cards on one page. I called and they stated my bank account is still linked to my credit card accounts despite me calling and Citi saying that my account had just been unlinked. I have spent over an hour and a half just trying to get Citi to link all my credit cards. In the past a representative has stated that he would fix this for me while I was not over the phone but the problem never got fixed. I need Citi to not treat their clients so horribly. I feel the only way I will be taken seriously is by making this complaint or going to small claims court. The calls were on XXXX XXXX, 2016 and XXXX XXXX, 2016.

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 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
I have a prepaid Rushcard that I still cant use at this time. The company states that the problem is fixed, but I am still getting error messages when I try to transfer money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have XXXX issues I 'm dealing with per my student loans, the first issue is regarding late payments being reported while, my loan was transitioning to another lender and this issue is putting a big affect on my credit. I contacted XXXX whom advised they would updated the information on their side, however, the late payments are still showing on each credit bureau profile. The second issue was when i applied for lower payments and I was given a forbearance for a year with out lower payment amount. This is not helping me because these loans are atill gaining interest while in forbearance. Can you assist in my two request?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened a Citigold checking account with a bonus offer of XXXX Thank you points. 
Before opening it, I confirmed I was eligible for it. 
I completed the requirements and waited 90 days for the bonus points. 
I chatted with a Citi rep named XXXX who confirmed I 'll get the points. 
Now Citi is saying I 'm not eligible for them.

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