vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I received a promotional offer to receive XXXX AAdvantage bonus miles after opening a new consumer checking account in the Citigold Account Package and completing the qualifying activities. The requirements were to make {$1000.00} in qualifying debit card purchases and 1 or more qualifying bill payments for 2 consecutive calendar months within 60 days of opening the Citigold checking account. 
I completed every requirement stipulated to receive the promotional XXXX AAdvantage bonus miles : opened the qualifying Citigold checking account before XXXX/XXXX/XXXX, made {$1000.00} of qualifying debit card purchases, posted, within 60 days of opening account, and made 1 qualifying bill payment, posted, each month for two consecutive calendar months. 
The XXXX AAdvantage bonus miles were to be posted within 90 days from the statement period in which I completed all the promotional offer requirements. 
I contacted Citi via their online chatting system on XXXX XXXX, XXXX to confirm my enrollment in the promotional offer, which was confirmed, and I have copy/printout of the online chat as supporting evidence. I contacted Citi again, via their online chat system, on XXXX XXXX, XXXX to confirm I had met all the promotional requirements, and again they confirmed that I did. I also have a copy/printout of this conversation as affirmation. 
I made several inquiries both via online chat and phone calls after the 90 day period had passed for Citi to post the XXXX miles to my account. After numerous ( 5-10 ) inquiries and ~2.5 months later, Citi finally responded with a letter informing me I will not be receiving the XXXX AAdvantage bonus miles. 
How can I, as a consumer and a client, put faith or trust into Citibank, a major financial banking institution when they create and market promotional offers and then do not honor on the bonus reward after. I am past frustrated and beyond disappointed. When Citibank failed to honor the promotional reward miles, they morally, ethically, and professionally breached an agreement. Bad business practices and breached agreements have lead me to you, Bureau of Consumer Financial Protection. If my personal issue can not be addressed, please prevent the bad business practices of Citi to affecting others.

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 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
CITI AGREED IN SETTLEMENT THAT THEY WOULD DELETE INFO FROM XXXX IN EXCHANGE SETTLEMENT. THEY HAVE NOT KEPT THEIR END OF THE DEAL

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 2015-04-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
XXXX 2015 Citibank charged over {$5000.00} to a local merchant. The merchant did n't use my name, number, security code or zip code. I called Citibank as soon as I saw the statement and was told they were closing my card, filing a fraud investigation and issuing a new card. I contacted the merchant, who was extremely confused, for the reasons stated above. Fast forward to XXXX 2015 when Citibank STILL wo n't remove the charges, and wo n't tell me why. Every time I talk to them, it 's " XXXX business days '' ... the merchant has attempted several times to run it thru as a credit to be posted, but Citibank does n't accept it. I am at my wits ' end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BC SERVICES, INC.
State: FL

Complaint narrative:
I get a medical bill on my acct who was paid by my insurance before turned over to a collection agency on my XXXX credit report

Company response to consumer: Closed
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Debt collector did not send a dunning letter at all. Did not call me, made no contact before reporting this to the Credit Reporting agencies, XXXX, XXXX and XXXX. This is a violation of the California XXXX FDCPA. This is not the first time they have done that. Just a few months ago the CFPB helped me with the exact same situation with the exact same company who listed ten items on my XXXX file and XXXX on my XXXX file. They did end up deleting the items because I threatened to sue for damages and because of my complaints to this agency as well as the XXXX, FTC and the XXXX Attorney General. 

It seems they 're back at it again. This is a rogue company that does not abide by XXXX State Consumer Protection Laws. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2016 I opened a Citigold Checking account offering XXXX Thank You Points for meeting the requirements. The promotion code that I used was XXXX. I met all the requirement on XXXX/XXXX/2016, and confirmed via chat that I fulfilled the requirements on XXXX/XXXX/2016. The customer service rep told me that I would get the Thank You Points within 90 days. On XXXX/XXXX/2016 I contacted customer service via chat to again confirm that I was eligible for the promotion, and to find out the exact date the Thank You Points would post to my account. The rep told me that the points would post by XXXX/XXXX/2016 at the latest. On XXXX/XXXX/2016 I contacted customer service again through chat because my points has still not been posted. The rep told me that they will post by the end of the month ( past the 90 days that was in the initial agreement, most likely to collect another $ XXXX monthly free ). The rep then opened an investigation as to why I have not gotten the points. In the chat session, the rep confirmed that I was eligible for the promotion and that I would have an answer within 2 days. I still have not received an answer as of XXXX/XXXX/2016. I believe that Citibank is just stalling in order to collect another monthly fee. I searched online and I see that many people are having this problem with Citibank. I feel as if I was purposely lied to in order to open an account, so Citibank could just collect fees from me. I have upheld my side of the agreement and Citibank did not.

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 2016-05-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
In XXXX of 2015 I opened a CitiGold Checking account with Citibank. Despite being told by multiple representatives over the course of approximately six months that I was eligible and had met all the requirements ( and keeping the chat logs from online conversations with Citi representatives ), now Citi is reneging on their word and refusing to give the XXXX XXXX XXXX miles they had agreed to award. I want Citi to simply honor the terms of the agreement and award the miles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: CA

Complaint narrative:
This company started calling me on XXXX/XXXX/15. Since then I have received XXXX more calls. 

On XXXX/XXXX/15 I answered, the man on the phone announced the company as Bay Area Credit Services, and is trying to collect a debt. The man had a very heavy XXXX accent. 
Asked for me to verify my personal info. 

I do not have any outstanding debts, and believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
This letter is being sent to you in response to the above reference account that BC Services INC. has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against BC Services INC. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of characterIf BC Services INC. is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

Company response to consumer: Closed
Consumer complaint received 2016-03-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I made a purchase from a door to door salesman on XXXX XXXX, 2015. I contacted the Merchant ( XXXX XXXX XXXX ) on XXXX XXXX and XXXX XXXX, 2015 to cancel the sale and request they come and retrieve their merchandise. Per the FTC " cooling off period '' rule, I am allowed to cancel any sale made in my home for any reason without the merchants ' consent. XXXX I paid for the transaction using my Sears MasterCard issued by Citibank Retail Services ( CRS ). I disputed the charge with Citibank and cited that I had canceled the transaction per my rights as noted by the FTC rules. CRS did initially provide me with a temporary credit for the disputed amount. However, one month later they sent me a letter reversing the charge, stating that the merchant MUST agree to the cancellation. I sent follow up documentation citing again the FTC rule as well as the correspondence between the merchant and me and they again told me the merchant must agree in order for them to cancel the sale.

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 2015-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ZENCO COLLECTION, LLC
State: NY

Complaint narrative:
On XX/XX/2015 my parents whom live in XXXX were contacted by a representative from Zenco. They claimed that i owed money on a debt that i never had and disclosed my whole social security number to my parents. They also said that they will be taking me to court in XXXX XXXX because of this. So i called this number ( XXXX ) and left a message stating not to call my parent phone again and not to call me regarding this alleged debt without sending me the following in the mail. The amount of the debt, the name of the creditor to whom the debt is owed, Proof that you are licensed to collect debts in XXXX, Proof of the last payment made on the account. I received a phone call on XX/XX/2015 at approximately XXXX Eastern Standard time and a gentleman claiming to be from there legal department stated that he could call my parents and whom ever else he wants even if he is told not to. He then said that " fraud '' charges would be filed in XXXX XXXX against me. When i asked him to send me proof of this alleged debt he refused to do so. I asked again and he still refused and said he does n't have to. I got got angry and used profane language and he said something i regards of my mother and that they would be taking my tax return.I then called back at XXXX EST and left a message stating that no more communication between them and anybody else is prohibited and that i will be making a complaint with the FTC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I ran my credit report in XXXX 2015 to find that the Macy 's XXXX # XXXX was still outstanding. I submitted a dispute XXXX along with documentation proving this account was closed and settled by a third party company XXXX XXXX XXXX XXXX XXXX ) I hired to clear my debt. I have contacted Macy 's several times since to clear this delinquency from my credit report. They have not cleared the status and will not provide a direct line to clear the delinquency. This company has advised the dispute be faxed. I have not received a response to the fax submitted. Please assist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
One Main financial will not stop calling me at work. My AC broke and I had to repair it, and I am behind. I have told them repeatedly and hung up on them. I am not allowed personal calls at work and I keep getting in trouble when they continue to call me. I have spoke to the manager at my local office, XXXX, he was supposed to note my account, but they keep calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank Checking account balance falls negative because of their monthly maintenance fee and my joint account with my My spouse was reported to credit bureau and my score and my spouse score dropped more than XXXX points after that i took car loan and it cost me 7 % interest rate instead of 1 % .After mutiple calls and complaint citibank has not fixed my issue.

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 2015-04-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX I purchased a vehicle from XXXX XXXX, in XXXX Florida. The vehicle was financed through Citi Financial. XXXX years later in XX/XX/XXXX I was no longer able to make the monthly payments for this vehicle. As a result, I had to have the bank repossess the vehicle. A XXXX months went by and I started to receive calls from Citi Financial regarding this vehicle 's remaining balance, and how it was going to be paid. I told the representative that I was not working at the time but as soon as I got a job I would start making payments. A XXXX days went by, and I started to get harassing phone calls from Citi Financial. I was told by Citi Financial that they were going to garnish my wages, they were going to send the police to my work, and that I was also going to be arrested. I contacted a lawyer, and we took Citi Financial to court. I won my case, and Citi Financial was never to contact me again, and they were also not to report to the credit bureau. Still to this day, it is showing on my credit report the car loan that I had, which was sold to a collection agency. As a result of this being on my credit, it is showing a negative mark against me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Based on the above bullet points, I and this situation falls into 2,3rd and 4th bullet points. 
At MY parents house, they gave me a letter that was for a potential garnishment. I never was served NOR had notice of any hearing, case or issue that apparently turned into a judgement. on XXXX/XXXX/2015. I went to the courts to file and request a hearing on XXXX/XXXX/2015. 
My employer sent me documentation XXXX/XXXX/2015 of the garnishment basically stating that they are complying with it. I called the courts to see the status of the hearing. They have not yet set a date. The garnishment is from a XXXX Law Offices at XXXX XXXX XXXX. This is illegal and request your help in solving this matter. MY contact information is : XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX. I sincerely appreciate your help in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CITI IS THE WORST BANK EVER! They do no care about you as a customer. You are a sales goal! I submitted a credit card application for the CITI Simplicity card under falsely provided information. I was looking for a joint card for my husband and I. I was told this card is not available as a joint card but I could add an authorized user. He stated the authorized user 's credit is pulled, affected, and reported to the bureaus. The sales rep lied to me so that I would submit the app. When I called back to speak to someone to confirm the information I was given, the reps only gave me the correct info. No one ever apologized or tried to offer anything to make the situation better. No one could even tell me who submitted the app! I told the multiple reps I spoke to that the one who took the app lied to me, but no one cared. They all stated they could " document my concern '' but to who and for what, no one could answer.

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 2015-10-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Unresolved account Settlement : As a final result, " we 've determined the payment was not cashed by us '', after all the payment are delivered to the address provided on the payment stub from the other Money Orders received and post it on my account! The result is unfeasible because it is leading me to believe that the Account Payable Department are going on lunches on my expense, cashing these money orders to different places instead of posting it to my account. 
Since than, I have sent XXXX additional payments, XXXX on XXXX/XXXX/2015 for {$210.00} and another XXXX on XXXX/XXXX/2015 in the amount of {$74.00} ( balance from adding all of my receipts and confirmed from the last statement of XXXX/XXXX/2015 ) which should bring the current balance at {$0.00} again. 
It has been my experience that Customer Service is well practice from the people working at the gas stations, always treated me with respect as well as the agents when calling about my account issues. 
Unfortunately, after submitting all of the supportive documentations several times about money order payments, written the same way, sent at the same address provided on the payment stub, confirmed legitimate address due to, receiving back the Certified Mail Post Card, and cashing them of which some are not getting post it on my account, causing the balance due to fluctuate outrageously amount after each time a manager get 's involve. 
Furthermore, I have great concern about how the company 's Account Payable Department is attending their affairs, such as : - The money orders are received, cashed, written and submitted the same from the ones that are post it as 'Last payment Amount '' and some that are not. 
- Continuation of " Current Balance '' fluctuating higher after payments received and confirmed by your agents. 
- Inconsistency about my account information when speaking to the managers that are disrespectful ( strongly suggest to lesson to your recorded calls ). 
- Repeatedly losing the money orders sent on a timely manner. 
- No confirmation by manager about the interoffice practice in your company. 
These factors are raising a great concern because it is SABOTAGING my account to possibly damaging my credit score. 
How would you feel if this would to happen to you? 
With all due respect, I am demanding that my account be resolve immediately of which it has been going on since XXXX 2015. Please, adjust all surcharges for late payments and to reimburse me of all of the money spent proving a legitimate business with your Company. 
I hope that you understand my frustration and help me about my concerns.

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