vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I signed up for a Citibank Interest Checking account because they were offering a {$400.00} cash bonus. The terms of the bonus were as follows : must deposit {$15000.00} within 30 days of account opening and must maintain that balance for 30 days. The bonus would be paid within 90 days of meeting those terms. 
I transferred in {$15000.00} on XX/XX/XXXX Met 30 days criterion on XX/XX/XXXX ( balance never dropped below {$15000.00} ) Met +90 days criterion on XX/XX/XXXX I 've tried calling Citibank several times since then to get them to post the bonus to my account and have been met only with promises to investigate the issue further. The representatives I 've spoken with have confirmed my eligibility for the bonus and seem as perplexed as I am as to why I have not yet received it.

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 2016-12-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Received notice of account closure on XX/XX/2016 from XXXX due to inactivity. Called to inquire and was informed that if new application was submitted and approved the XXXX reward points lost would be reinstated. Card was approved however points were not reinstated. Contacted XXXX at Citibank 's XXXX offices ( direct line XXXX ) who confirmed recorded conversation promising reinstatement of reward points for credit card application. Was informed that decision was made not to reinstate. 
Consider this an unethical sales practice.

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 2015-05-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was sold patio furniture by XXXX and I find it to be sub-par. I want a refund to replace the faded cushions and ripped and torn covers. Below is my correspondence with the company, and the transaction details ( plus an additional {$130.00} they charged me for patios covers- see pictures attached ). 
Dear XXXX, How long do you think this outdoor set will last under normal conditions? 

Thank you. 

- XXXX XXXX, The frame is powder coated aluminum so it will not rust. We sell outdoor storage covers to help protect the furniture. I would recommend putting it inside somewhere during winter months to help the longevity of the product. If you take all these steps there is no reason this furniture will not last years and years. 

- XXXX XXXX, Attached are pictures of the patio set I bought from you 9 months ago. I had to order the 'covers ' from you because the red cushions I ordered turned pink in the sun the first day. They are so bad now, I just leave the furniture covered ; I will probably have to buy expensive fabric paint and paint them so they are not such an embarrassment. The covers are completely and utterly worthless ; they tear like tissue paper. I live in downtown XXXX XXXX where it rarely rains, there is no wind, and the average temperature is XXXX degrees. There is no snow or thunderstorms. For the money I spent, I am very, very, very disappointed in the product you sold me. 
XXXX XXXX XXXXPaid withVISA x-XXXXYou 'll see " PAYPAL XXXX '' on your card statement. 
Shipped toXXXX XXXXXXXX XXXX XXXX, CA XXXXUnited StatesTrack your shipmentXXXXXXXX XXXX, Marked as shippedStatus : ShippedTransaction XXXX infoXXXX XXXX ( XXXX ) XXXXXXXXXXXX to XXXX XXXX red cushions, please. Any issues, please do not hesitate to contact me. Thanks again, XXXX XXXXYour purchaseXXXX PC Modern Outdoor All Weather Wicker Rattan Patio Set Sectional Sofa Furniture $ XXXXItem # XXXXShipping $ XXXXTax $ 0.00Purchase total $ XXXXFee $ 0.00Total {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Unauthorized charges were made to my Macy 's American Express credit card during XXXX of 2015. I disputed these charges via phone on XXXX XXXX, 2015. I fully completed Macy 's required documentation of this dispute and returned their documentation ( notarized ) on XXXX XXXX. I received a letter acknowledging the receipt of this documentation on XXXX XXXX. Since then, I have received numerous collection agency calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a HELOC with Citibank in 2010 that was charged off but no document was sent to me that provided the filed date. I am attempting to retrieve a document with the charge off date as the credit bureau has it incorrect and/or is unclear about the date. I have spoken with XXXX different people in XXXX different departments always being transferred from one person to the next. I have sent 18 requests via fax since Thursday, XXXX XXXX with my information to confirm receipt. I have not received any communication from them from those requests. All I need is a document with the correct charge off date so I can have my credit corrected.

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 2016-06-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX 2016 I had called in to Citibank to apply for a new Citi Prestige card. When I was connected with a phone representative they had informed me that I should simply transfer over my account from my current Citi ( R ) Diamond Preferred ( R ) Card. At that time I specifically asked whether or not I would receive all of the same perks by transferring my account versus applying for a new account, and explicitly asked about the XXXX reward thank you points promotion which was the reason for my application. I was told that I would receive the XXXX points as long as I had spent {$3000.00} within the 1st 3 months of the account being opened. At this point I instructed the phone representative to transfer the account. 
Approximately 3 months later in XX/XX/XXXX I called Citibank again inquiring as to why I had not seen my bonus rewards points apply to my account since I had spent nearly {$10000.00} at that point. This new phone representative informed me that because I transferred my account that I was not eligible for the XXXX point reward. I informed her that I had been unequivocally told by the representative who signed up my account that I would be receiving those points and that that incentive was the reason for my opening the account. I also told this representative that if she went and found the recording of my initial phone call she could verify what I was told. The representative let me know that it would 48 hours to track down the recording of the phone call and that she would return my call at that time. 
4 days later I received a call back from the representative informing me that because the initial person I talked with when I set up my account was overseas ( how is it my fault that they routed my call there?! ) that they could not track down the call recording and therefore would not be issuing me the rewards credit that I am due. 
As mentioned this rewards credit was specifically advertised, explicitly addressed during my application phone call, and was the reason for both my initial application and my spend of nearly {$10000.00} on this new account. 
Citi owes me that rewards credit or the {$800.00} value of the flight that it would purchase.

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 2016-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a CitiGold checking account with Citi in late XXXX XXXX. At the time, they were offering a XXXX point XXXX bonus offer for meeting minimum terms within 2 months ; which I did. They were supposed to credit those points to my account within 3 months of meeting the spend, which at the latest would have been end of XXXX. I have written them and they have acknowledged that I met all requirements but then tried to say that they did n't have my XXXX number and would credit it as soon as I got it to them. This obviously is not true because on my account page with Citi it shows my XXXX membership information. I called on XXXX/XXXX/XXXX and gave them my information over the phone expecting an immediate response. Today, over a month later, I still have gotten nothing from them except they continue to charge me the {$30.00} fee to my account. Please 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 non-monetary relief
Consumer complaint received 2015-09-02 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a copy of my credit report from all XXXX of the credit reporting bureaus. An account with The Home Depot was listed as an adverse account. I contacted XXXX. They stated that I need to contact each of the credit bureaus. I filed a dispute with XXXX This bureau stated in the dispute response that they reported correctly based on what XXXX reported to them. I feel like I have no way to resolve the inaccurate reporting by XXXX of an " adverse account '' for 5+ year of activity that only had XXXX account with XXXX payment over 30 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
My wife and I made purchases on a Best Buy Credit Card account. In XXXX charges were added monthly based on our carried balance for " XXXX XXXX XXXX XXXX. '' We did not knowingly purchase this service, and the total amount charge was approximately {$1500.00} over the period from XXXX XXXX, XXXX through XXXX XXXX, XXXX. We asked for a refund of these charges when we became aware of them in XXXX, but Best Buy Credit Card refused to refund these charges. We believe these charges are not proper, since we did not purchase the service knowingly. We did not realize that the charges were there until my mother-in-law reviewed the credit card statements with us.

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 2016-08-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Case number : XXXX was opened on XX/XX/2016. Citimortgage requested again all the documents for a loan modification for the third time. 

Citimortgage closed the case again allegedly for me not submitting " additional '' documents within their required date. I submitted them via the email provided and can prove it. Citimortgage refuses to modify the loan.

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 2016-04-26 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I had a fraudulent charge made on my Macy ' American Express credit card XXXX weekend 2015. It was for about XXXX to the XXXX. It has not been settled by the \ Macy 's American Express card and since rejected they expect me to pay an additional XXXX dollars in interest and fees. They told me that I should not pay the charge since I did not make it then they rejected the claim after sitting on it for 6 months because they said that they did not have enough information. 
In regard to the following problem, I have recently written letters both to the Fraud department and Macy 's in addition to placing multiple phone calls involving wait times over an hour with no resolution. Have filed a police report. No replies to any paperwork submitted to the fraud department. Is there a way to sue the XXXX XXXX? Can they be taken to small claims court? 

They refused to remove a fraudulent charge from my Macy 's card and after 7 months the charge has increased from {$140.00} to {$350.00}. I called the original vendor and I can not find out what the charge was for. They have no record of anything being send to my house. This is usually the hallmark of a fraudulent charge. 

The Fraud department sent the charge back to collections so I am expected to pay all these charges plus interest and fees for something that I did not buy. 
Over a 6 month period, I have spent at least a day 's worth of hours on hold with the credit card 's Fraud department. One day I was on hold for 1 hour, then they hung up and so I called back. I was on hold for another hour and half until someone picked up. Even when you actually reach someone the fraud department, you can not talk to anyone who actually has knowledge of the case. That is another level away. They just take a message and obviously do nothing. 

DO NOT APPLY OR CARRY THE AMERICAN EXPRESS CAR THEY COMPANY AND ARE ABOUT TO GO DOWN THE TUBES. THEY WILL RUIN YOUR CREDIT OUT OF SHEER LAZINESS!!!!!!!!!!!!!!!!!!!!

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 2017-01-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I responded to a promotion for a new Citibank account. That account was funded on XXXX XXXX, 2016. I contacted Citibank in XXXX to check the status and was told I needed to complete a XXXX form. I mailed the completed form to Citibank on XXXX XXXX. In XXXX I called to check on the status and was told to wait 1 more month. I called today and was told they never received the 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 2016-09-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Back in 2003 I, XXXX, was the victim of Identity Theft. I filed a police report. I learned that XXXX bought a debt from CITIBANK, and placed a lien on property. 

I ask that you help me get the judgment lien released. Its XXXX County Cause number XXXX, judgement lien number XXXX. I read on the FTC 's site about a lawsuit invovling XXXX, but have not been able to get a meaningful response from 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 2015-08-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
The Credit Card company send me a XXXX on XX/XX/XXXX, indicating the debt is cancelled ; however, they kept reporting to the credit bureau with the original balance and past due balance. I tried calling them to dispute the issue, but they would n't do anything. I dispute with the credit bureau and they XXXX out the balance and past due balance in XX/XX/XXXX. The Credit Card company again report the original balance and past due balance and this become and endless cycle, and I have already filed tax in XX/XX/XXXX for this XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I currently have a credit card with Citibank and on it I have a balance transfer and other purchases aside from that. I was under the assumption that the balances shown on the statements were my full balances. I tried to pay my bill so I would not have interest on the other purchases by paying over that amount. However, the next month there was still a balance in other purchases. Looking into the fine print revealed to me that these numbers were not actually my full balances but daily average balances. Therefore, I did not know what each balance was until I actually got in contact with Citibank. I find this to be a very deceptive way of communicating what is owed on an account, since you actually have to reach out to the company month-by-month in order to get your full balance. I had made contact with Citibank but the CSRs were not able to bring my complaint to where it needed to go in order to facilitate a change in policy.

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 2016-08-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XX/XX/XXXX, my father was in the hospital for over a month due to a XXXX XXXX. My father asked me to go to Macy 's to purchase a gift for my mother because she was so supportive during his health issues. I purchased diamond earrings using my Macy 's AMEX charge card. 
When my XX/XX/XXXX bill from Macy 's arrived, I gave the statement to my father to pay. Then, the XX/XX/XXXX bill arrived and I still had a balance. I figured my father 's check and the statement crossed in the mail so I did not do anything. 
When the XX/XX/XXXX bill arrived, I immediately called my father to see what happened to the payment. My father told me my mother loved the earrings but thought they were too expensive. He said my mother returned them so there should be a credit on my statement. 
After researching further, I learned that the Macy 's sales associate made the credit to my mother 's Macy 's credit card instead of mine. I immediately called Macy 's to explain the situation and XXXX removed the fees. I was then instructed to call Macy 's credit bureau to fix my credit issue due to this transaction. I spoke to XXXX who said it would take 45 days and should not be a problem. On XXXX XXXX, I received a letter from Macy 's saying they would not fix the problem. 
I am never late on my payments. I would like to remove this derogatory from my credit so I can move forward with my loan approval.

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 2017-01-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HOVG, LLC
State: GA

Complaint narrative:
i recently requested a copy of my most recent credit report. I noticed a collection account placed on my credit report that was listed as charged off and had been placed in collection. At this point i sent the collection agency a letter requesting validation of the alleged debt, because i was unaware of any outstanding medical bills that i owe, and i requested detailed break down. I also indicated in the letter that i am allowed under HIPPA law to protect my privacy and medical records from any XXXX parties. Because i did not give permission to have my file released. The collection agency then sent me a validation letter, with an enclosed statement from the original creditor 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 2015-05-26 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC.
State: TX

Complaint narrative:
I was called by Clear Credit Solutions, XXXX @ XXXX and told that I had committed check fraud, specifically Fraud with Malacious Intent, by not paying back a payday loan to XXXX XXXX XXXX. He furthered by stating if I did not pay the balance due by the XXXX of this month, charges would be filed against me. 
This person calls me XXXX to XXXX times a week as well a calls my daughter at work for me. 
I want his threats and scare tactics to stop! His actions are illegal. I 'm suffering XXXX unemployment! I have no money to give and am considering bankruptcy!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, 2015, someone withdrew {$1000.00} from my Citibank account at an ATM. It was XXXX withdrawal of {$500.00}, XXXX of {$200.00}, and XXXX of {$100.00}, all within about XXXX minutes. I did not make the withdrawals, nor did my sister, who is my joint account holder. We discovered the withdrawals the next day and made a fraud report. The withdrawals were done using my ATM card number and PIN, but I had the card with me at all times. I believe someone created a counterfeit card from skimming my information from, most likely, a gas-pump card reader. Or perhaps it was an inside job. Citibank made an investigation and informed me XXXX XXXX that my case had been " resolved '' -- they told me the money would not be restored because I had the card in my possession and because the activity was " consistent '' with my normal banking activity, which I can assure you it is not. I appealed and they reopened the case ; at this time I also made a police report. Citibank then informed me XXXX XXXX that the case had been " resolved '' again, and stood by its original decision not to restore the money. I appealed again, but was told XXXX XXXX, XXXX more, that the money would not be restored.

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