vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-20 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I had a Macy 's credit card account with a modest {$38.00} balance. Unfortunately I did not realize I had missed remitting payment, after a long history of timely payments and responsible account management. As of today ( XXXX ) The payment and all associated late charges had gone up to {$140.00}. In an effort to be responsible with my credit accounts, I never even activated the new Macy 's card that was sent to me ; I simply made phone-based payments in an effort to pay off my balance. 

When I called Macy 's this morning to remit full payment on the balance due, they indicated that the account had been referred to collections. I spoke with the collections agent and asked why I had NEVER received an email or a phone call indicating that my account was in jeopardy. Macy 's has both my phone number and email address on file ; in fact, I get no less than XXXX emails per week with advertisements regarding Macy 's sales and merchandise promotions! Their tepid response was that I should have received a paper statement in the mail. 

Obviously the late payments were an oversight on my part, and I accept responsibility for that. However, I do think it is inappropriate and a poor business practice to refer a person 's account to collections when no attempt is made to reach out via phone or email regarding the account status. This small balance not only netted Macys over {$100.00} in late fees, but the referral to collections is now going to adversely impact my credit rating. Never mind that I was a good customer and consistently made payments on time ; they were happy to let the missed payments add up so they could profit. 

In terms of how I have resolved this issue, I paid off the card in full, and have closed my account with Macy 's. I also intend to write a letter to Macy 's regarding their handling of this issue, but I hope that CFPB will continue to work with creditors on fair practices that do not adversely impact individuals who have very little recourse besides paying and moving on. A {$38.00} oversight on my part should not haunt me forever in the form of a diminished 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 2015-09-23 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am about to retire. I went in to my credit report to make sure everything was OK. I found an item for a company credit card from years ago. Over the years I had paid much more on interest than I originally used on the card. The amount on the credit card was for {$20000.00}. I called the company on the credit report, ( XXXX XXXX XXXX ) which is a collection company. We discussed the matter over the phone and came to an agreement to satisfy this matter for the price of {$5000.00}. Check # XXXX from XXXX, XXXX, MA I sent them the money via a check over the Internet. They in turn were supposed to send me an email confirming this arrangement and that this amount was to satisfy the matter completely. This was two days ago and I have yet to receive a message confirming this arrangement. At this point I am leery that the company has simply cashed my check and taken no further action to resolve this issue on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 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: FL

Complaint narrative:
I have recently received an alert from XXXX, identity theft protection, informed me that I was late on a payment for a credit card. After calling XXXX, they informed me that the account related to that matter was with City Bank. Quite a surprise to hear since I never opened a credit card or an account with City Bank. 
I was advised by one of City Bank supervisor, after a two hours on the phone, to send a fax to CBR Dispute. 
After a few weeks, I did received a letter from City Bank, asking for a copy of the credit report and my XXXX digit credit card number. AGAIN, I never opened an account or credit card myself with your company, therefore I m not able to send you those numbers since I do not have any card in my possession.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I opened a Citibank checking account as part of a college campaign when I was XXXX years old. The account was free as long as I had deposits every month. In XXXX of this year, Citibank automatically switched my account into a new " full service '' account which charged me {$25.00} a month unless I maintained a $ XXXX balance on my check account, which is a lot to ask for. They did not ask for consent to switch my account over. They claimed they sent me a letter letting me know it was done, but I did not receive it. I 've asked them to reverse the fees, since if I had known, I would not have authorized the switch, opted for a basic account, or closed my citi account. They 've reversed half of the charges, but wo n't reverse the rest. They also charged me a {$25.00} fee after they switched my account back to a basic account upon request. Please let me know if there 's anything you can do to help, thanks.

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 2015-11-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XXXX XXXX, 2015, I contacted Citi bank regarding fraudulent activities and requested to block my account from all credits and debits. On XXXX XXXX, 2015, I confirmed through online banking, the automated voice system from the customer service number and a live representative verified my account was blocked as requested. On XXXX XXXX 2015, my direct deposit was sent to Citi bank and instead of denying the funds to get sent back to my employer, they forced them into my account, which caused {$290.00} of my direct deposit to go towards the fees and charges form the fraudulent activity. When contacting through the phone I 've spoken to many representatives giving me different information, as well as XXXX stating on XXXX XXXX, 2015 at XXXX, that the funds will be forced into my account even If it is blocked from all credits and debits with fraudulent activity. Which is completely different from what every other rep has told me since my issue started. I was told that the block would prevent my funds from being taken by every other citi employee. Since this issue has occurred I have accumulated fees since I have not been given my funds back in a timely matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi XXXX XXXX XXXX did not record automated payment sent electronically from my bank checking account to the card company. Credit card company sent me an email past due notice, denied an automated bill pay from another company and placed a hold on charges. Calling customer service results in long hold times, disconnects and an unsatisfactory results. My bank records indicate the payment was sent and received. The card company will now bump my low rate to the default rate as well as charging a late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I went to citibank branch to open new fixed deposit account. 
Citibank officer asked me how much I need to deposit and I said {$5000.00}. 
Citibank office asked me to submit the paper application along with the required documentation such as address proof, Photo ID along with the check of {$5000.00} in my name. 
I gave all the papers and the check ( payee to myself ) for {$5000.00}. 

Citibank officer told that the process is to first open the account and then will deposit the check in the new opened account. 
It is now more than 2 months and account has not been opened and citibank customer rep didnt know where the money went. They cashed the check within 2 days after submitting to the bank and now refusing to give the money back as they have no idea where the check went. 
After repeatedly contacting them several times, I think it is possible that they do n't want to open the account and also do n't want to refund the money. 
Hence, I have no other option other than filling the complaint. 

The check and the papers were given to citibank officer and she also is no longer the company that surprises me. 
Date of visit to citibank branch : XXXX XXXX 2016. 
Check cashed on XXXX XXXX 2016. 
Check was given in the name of XXXX XXXX Name of the bank issuing the check : XXXX XXXX XXXX. 
Account to opened in name of : XXXX XXXX XXXX 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 2016-03-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have opened a Citi XXXX credit card in response to an offer of XXXX bonus XXXX points after spending first {$2000.00} within first three months. The offer arrived in the mail several hours after I have completed an online application with less amount of bonus points. I have called and asked for my application was changed to the right promotion before the card arrived. The representative did not accommodate and after few days, following their advice I closed the first application and reapplied again, this time responding to the correct promotion. I have never used, or even activated the first card. The same promotion ( XXXX bonus points ) was running on Internet every day I was logging on my card account for much longer after I opened the correct card. 
I have completed the required amount of purchases but did not get any points. When I tried to call and find out why I did not get points, I was given different answers every time someone new answered the phone : a ) I did not complete the required number of purchases in time ( someone could not calculate that there are 3 months between XX/XX/XXXX and XX/XX/XXXX ) b ) I opened wrong card, not the one with promotion c ) I had a return ( a class I was planning to take was cancelled ), and that invalidates my points, etc. 
d ) Because I had previously opened another card ( the one I never activated or used ), I am not entitled to any promotion. 
After multiple calls and letters, Citibank issued me XXXX but not the XXXX listed in the ad. I believe they should stand by their advertisement ( both mailed and shown at my banking login ) and give me remaining bonus point. I did my part of the bargain by spending & gt ; {$2000.00} in three months as was required to me. 
I believe that looking for excuse not to grant me what they owe is dishonest and I am quite shocked that the bank with which I do business for over 20 years would resort to such a deceitful practice. I have enclosed the letter I previously sent to the bank and a copy of promotion that was mailed 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 2016-08-18 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I received a {$60.00} prepaid card as a rebate for a set of XXXX tires, which I had misplaced for a time. When I found it, it appears to have expired within the last couple of months. I called the issuer to request they re-issue the card ( I had not used any of the stored value ), but they refused. While I understand the concept of expiriation dates, I feel the company should have reissued the card as the date only around 6 months from issue and had only recently expired.

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 2017-01-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Have Home Depot ( HD ) Card from Citi Bank ( CB ). Received notice on first bill minimum balance due monthly was {$25.00}. Paid late in XX/XX/XXXX due to HD computer crash in XX/XX/XXXX and they could not accept payments from or too any type of electronic card until computer crash fixed. CB Charged a {$35.00} late fee in XX/XX/XXXX for this late Payment. Balance due in XX/XX/XXXX with {$35.00} late fee as approximately {$63.00}. Contacted CB by phone and they agreed to strike the {$35.00} late fee. Paid the {$25.00} owed. Since then Continues to charge me {$35.00} late fee each month stating that I failed to pay the minimum due with the late fee in XX/XX/XXXX even though they remitted the late fee owed in XX/XX/XXXX. Attempted to discuss and resolve issue with CB with no success. Contacted Attorney who sent a letter to CB in XX/XX/XXXX with a time frame for CB to respond. CB did not respond in time frame and would not take calls. Attorney sent 2nd letter XX/XX/XXXX. CB sent me letter to contact them. Contacted them XX/XX/XXXX and they refuse to do anything further about late fees from failing to pay balance owed in XX/XX/XXXX even though they remitted that late fee.

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 2016-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A personal check was mailed to XXXX XXXX Bank for XXXX from a Citi Bank account. My bank account statement shows that the money was deducted from my account, but XXXX said they were never paid. Citi Bank is not telling me who they paid or where that money is.

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 2017-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I was on XXXX from my employer. It has a 2 year time period in which they examine your case every 6 months then at the 2 year mark if they find you still XXXX it is for life. I was found to be XXXX until the second year mark according to my XXXX insurance. I am appealing this and probably have a malpractice suit with my primary doctor. I have had no income since XXXX XXXX. I also have a hearing with a judge on XXXX XXXX to see if I qualify for federal XXXX. I am doing some XXXX work when I feel like it for my brother and he is paying me a little.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
All through XXXX I received robocalls from a female robot urging me to contact Citibank about an " urgent '' problem with my Home Depot account. I do not have a Home Depot account. I called XXXX XXXX XXXX XXXX a Citibank customer service number. I spoke with XXXX -- # XXXX -- very kind woman who spoke to a few people in " escalation '' to find out why I was being called. She confirmed that I did not have a Home Depot account -- there was nothing in the system attached to my phone number ( which IS on the Do Not Call Registry ) or my SS #. Citibank could not explain why I had been receiving these unpleasant, harassing " URGENT '' calls about my credit! I was on hold for approx 20 minutes -- and it occurred to me that Citibank employees were being PAID to take my call, but I was not being paid for the time it was taking me to find out why Citibank was robocalling me in error. So I decided to report this to the FTC. It is not acceptable that Citibank is free to robocall consumers. Citibank should be required to have a human being VERIFY that a phone number in their delinquent database belongs to an actual delinquent account. I then spoke with XXXX 's supervisor -- XXXX -- XXXX, who said there was nothing Citibank could do to compensate me for my time or the upset of receiving these calls. All he could do was apologize. I just do n't think that 's a good enough response. I look forward to your thoughts. The {$180.00} I am claiming as a loss reflects the value of my time spent on the phone with Citibank and to type up this complaint. Tack on some more for emotional distress. 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 explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Having always used a small town bank, when my wife and I began traveling more, we decided to shop around for a bank with a national footprint. As Citibank credit card customers we looked into Citibank checking and signed up for a new Citigold account with a promotional offer of XXXX XXXX miles once we completed a few requirements. We fulfilled these requirements, and began using the account regularly. We enjoyed the online banking and mobile deposit options that our previous bank did not offer. On XXXX separate occasions I contacted Citibank via secure message in order to make sure that I had fulfilled the requirements for the promotional offer. On both occasions I was assured that I had done so and the miles would be posted at the end of XXXX or first of XXXX. When I did not receive the miles, I contacted Citibank, and they then informed we that I was not eligible for the offer and therefore would not be receiving the promotional miles. This appears to be shady business practice. I signed up with the promotional offer, and on XXXX separate occasions ( via secure message ) Citibank reps confirmed I would be receiving the miles. Now Citibank refuses to honor the promotional offer. This is poor business practice. If there was an issue with eligibility, this should have been brought to my attention at sign up or by the rep that confirmed my status back in XXXX. I have made multiple attempts to get these promotional miles credited to me, but they continue to refuse, inspite the fact that their own reps confirmed I would receive 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 explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Had unfair lending practices with mortgage with Citibank. I had a loan on a rental property with 10 % down. The lender I had was purchased by Citibank Mortgage. I had the loan for 10 year and tried repeatedly to get the PMI removed. Citibank kept telling me I had to pay several thousand dollars to get the equity up to 20 %. At on point they requested $ XXXX on a property that I paid {$120000.00} for. They only paid down roughly {$100.00} down on the principle on a monthly basis. The rate was 7 % and the remainder of the charges were PMI. After 10 years I had only {$10000.00} of the principle paid down. Total scam. Every time I called to get PMI removed they said I had to get a new appraisal with their team and have both these high cost, a large amount of capital down, and really high closing costs.

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 2016-02-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Home Depot Credit Card account on XXXX XXXX, 2015 to purchase an appliance ( Refrigerator ) at a Home Depot Store in XXXX XXXX. The appliance was schedule to deliver on XXXX XXXX, 2015. When Delivery Company ( XXXX XXXX ) personnel arrived to make the delivery, they ( XXXX XXXX ) say that the refrigerator was n't going to fit through the door and that they were not going to be responsible if the appliance gets damage in the process. Therefore I refused the item and call Home Depot to report that I refused the Item. I even went to the site Store the same day to report that I refused the Item. Weeks later I received the bill for the item, I call home depot once again to reiterate that I refused the item and they responded to me saying that they have proof of delivery ( POD ) with a signature of person name XXXX, I clearly told them that the signature it was not mine or anyone in my home. No proper investigation was conducted by the Home Depot store nor the credit card company, and now they are billing me for something that I never received. I reached out to both Home Depot Corp and City Bank/Home Depot Credit Card to ask for help, both told me that there was nothing they could do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
During an account migration conducted by Macy 's Retail Credit Card Services. I was unable to make my online payment for XXXX consecutive days. As a result, my pristine credit rating was impacted by what was recorded as a " late payment '' for the merchant 's inability to manage a service migration among its banking vendors. I notified Macy 's of the problem. I subsequently was read a " notice to collect a debt '' statement which never applies to me and never applies to my account with Macy 's. 
During the economic downturn, a sales associate at Macy 's opened an AmEx credit account under my name without me requesting it. This resulted in another line of credit which I did not authorize and never utilized.

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