vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I shopped often at MACYS but I never applied for a credit card with them. After I checked my credit about 5 months ago, an account from Macys on my credit report, which showed a balance of {$180.00} dollars, that was charge-off. I immediately contacted the number that was on my credit report from Macys and tried to speak to someone in the fraud department. Unfortunately they kept me on hold so long, I had to hang up. I then contacted XXXX and spoke to a credit analyst and they were kind enough to tell me what to do. I contacted XXXX XXXX police dept. and filed a police report. ( no.XXXX ) it was approved by officer XXXX with badge # XXXX and then field an identity theft report with FTC .Ref (. # XXXX ). Then I sent a copy of the police report, with the FTC report, to all three major credit bureaus via certified mail and informed them to block my credit file. I also contacted MACYS and send them a copy of police report along with FTC report and inform them there is An account from MACYS is appearing on my credit report and I am not aware of having any account with their company. I request that they investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature and any other documentation verifying the account is, in fact, mine. If they can not or will not provide me this information, then I formally request they send me a letter stating that this account does not belong to me and that it will be removed from my credit reports.Until this matter is cleared up, I firmly request that they stop reporting this account altogether. this is what happened I received a letter from macys fraud department stated they had reviewed my claim for unauthorized activity and they regret to inform me my claim can not be accepted base on account history. I got so frustrated with the letter that I just received, I immediately contacted the fraud investigation dept. at XXXX and I requested to speak with a supervisor for a copy of the original application for my review. To date, I have not received any of the requested documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
CITI Bank Customer Service and Presidential Escalation departments REFUSE to address issues with my account. 

1. CAN NOT CALL - BLOCKED 2. CAN NOT LOG IN ONLINE - BLOCKED " We 're very sorry, but that content you are looking for ca n't be found. Please try the homepage again. If you continue to receive this message, please call the Customer Service number on the back of your card. We apologize for any inconvenience and appreciate your patience. [ XXXX ] '' Can not resolve billing issues or dispute charges or make changes to my accoun NOR advise of large payment coming from different country! 

Credit card is useless if blocked on charges.

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 2016-05-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XXXX 2015 I opened a Citigold checking account with an offer stating I would receive XXXX XXXX XXXX miles after meeting the requirements. I received written confirmation from a Citi representative that I met the requirements and that the miles would post to my account by XX/XX/XXXX. 

During this time, I 've already been charged a $ XXXX monthly service fee. Now, after confirming this promotion was applied to my account, Citi appears to be pulling a bait and switch. They have suddenly decided I do n't qualify unless I can find a post card from 5 months ago showing the offer. 

I do n't keep mail around for 5 months, and throughout all the communications, nothing was ever said over the past 5 months about needing to keep that post card. 

Now I have {$30.00} in fees and am not receiving XXXX AAdvantage miles. I 'm not alone. XXXX people are in the same situation. Via a XXXX search, I 've read about many people who are going through similar frustrating experiences. 

This is not right. I feel like I 've been lied to and my money has been taken. Despite upholding my end of the agreement, Citi has not provided the miles as promised. 

Something needs to be done about this. I hope you are able to assist so that Citibank honors the promotion they told me I qualified for. I have attached documentation which supports my case.

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 2016-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
hi, i have mortgages : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i 've had these loans for quite a while-i think since XX/XX/XXXX or XX/XX/XXXX we 've made our payments and have had to adjust how we send them in due to the careless handling of the payments. first i would mail them altogether in one envelope with one check and include the coupons showing the loans paid. they would apply all of the money to XXXX account and show the others past due. i stopped doing that and issued a check per mortgage and included all the checks and coupons together in one envelope-same result as the first. i am now writing out individual checks and putting the check and the coupon in it 's own envelope and then sending it by ups -- so i get a signature that you have received the payment. i 'm sending ups -- - because it is taking upwards of a week to apply the payments to the mortgages-why is that? it runs it close to the end of the grace period-which sets off a chain of events that is wasting my time. i get calls and emials telling me that my payment is due-although i sent the check out a week ago. i called XX/XX/XXXX and talked to reuben id # XXXX and went through each and every loan to make sure i was n't charged a late fee-he did that for me and told me that no fees were charged. i asked how come they are calling me and he said that there are XXXX or XXXX departments that work on the loans and they do n't share the info. this is a huge time waster for me and very stressful. i need to speak to someone regarding this as i need to remove the remarks from my credit report-it has a negative impact. i have in my email box a notification of payment on XXXX XXXX telling me that the payment was made on loan XXXX and then on XX/XX/XXXX i get an email payment reminder -- see how this is happening? makes no sense to me. i can never get to anyone that can make a decision or think logically to resolve this issue that has been going on for years.

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 2015-08-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citi XXXX XXXX Credit Card - have balance under promotional offer - Titled Offer 5 - 4.99 % until balance paid - had no other balances due. XXXX/XXXX/15, purchased concert tickets. Purchase went to Offer 9 - 1.99 % until XXXX/XXXX/15, then standard rate of 17.99 % after. Concert cancelled by artist. Purchase refunded by Citi on XXXX/XXXX/15. Citi applied refund under Offer XXXX instead of Offer XXXX. Charged Interest on offer XXXX for XXXX and XXXX for a refunded purchase. Statement showed Offer XXXX balance subject to interest rate of {$140.00} with interest charge of {$0.00}. Made payment. XXXX Statement showed Offer XXXX balance subject to interest rate of {$170.00} with interest charge of {$0.00}. How does a balance go up by {$34.00} when a payment was made and the interest charge was only {$0.00}? Also, because payments apply to higher balances first, and Offer XXXX balance is much higher than Offer XXXX, my next payment will not touch Offer XXXX and Offer XXXX will revert to the 17.99 % standard rate. The practice of not applying a refund to the offer in which it was charged has me paying interest on a refunded purchase and has set me up to fail completing Offer XXXX in the required timeframe and raising my interest rate. Because the purchase was relatively small, the net effect is minimal but, if this were a much larger purchase, like if I bought tickets for a large group so we could sit together, I would be subjected to a much higher interest payment, especially after it reverts to the standard interest rate. I feel this practice is fraudulent and wonder how many others are affected. I am sure it could exceed XXXX per month that Citi can collect fraudulently, with most people unaware. I spoke with manager with Citi, but they unsatisfactorily explained this to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Best Buy / CitiBank Credit Card closed my account without prior notification. Best Buy says that they sent me an email. I did not get said email. I would think that even if I am enrolled in paperless billing that " Closing of an Account '' Documents should override the paperless billing and they should have to be mailed out. The lady I spoke to on the phone today said that it is illegal to hard copy mail something out if you are enrolled in paperless billing. I told her it should be illegal to close someone 's account without prior notification and as a consumer there should be protection against that. They should have to mail me something instead of just email. I do n't want my Credit Report to be negatively impacted by them closing my account and also me having to open up another Best Buy account. I feel that they should re-open my account because they did not notify me prior to closing my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was sent a promotion to open a Citi Gold account @ Citi bank. This was a unique promotion code, and not a generic one, probably based on the fact I had a credit card with them. 

My part of the offer was to open an account, spend {$1000.00} within two months, and pay some bills with it. 

i went to the citi branch in XXXX NY, and account was opened in the end of XXXX 2016 ( from some reason, they opened a saving account in addition, although I did n't request that ), and when I called sometime in XXXX ( after 2 months ), they said it did n't kick in just yet. 

Upon following up again, they said I did not fulfill the agreement, and I was supposed to pay bills with their online bill payment system, not with the brand new gold debit card they gave me. 
I have yet to find what they are basing this on, and I was clearly not aware of this, nor the branch where I opened it ever instructed me to do so. 

Multiple disputes were denied, although, most reps I spoke with, said I deserved those points. 
With every denial, I got a letter, saying if I want to reach out to them, I should call customer service, which is total useless, as they ca n't do anything. Sometimes they were rude, sometime nice, but always clueless, and powerless to do anything, resulting a loop, where I can never present my case. 

Giving up on their " justice '', I closed the account, and now I am waiting to receive my check for the remaining balance. This check did not arrive yet, but I heard stories ( on their facebook page ) that those check are a hassle as well. 

In my final attempt, I reached out to their social media team at XXXX, and there were very understanding, followed up in a professional manner, and tried their best to help me, along with open another dispute. 
They identified with my situation, and were very understandable. 
In our conversation a compromise was brought up, that I will pay two future months bill payment via the online service in order to complete the requirements ( as seen by the promotional team ). 
Apparently, this was not possible as well, so I was left with no option but to close the account and reach out to Consumer Finance. 

I appreciate your time, please feel free to contact me with any more info needed. 
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 non-monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In XXXX 2015, we made a {$12.00} payment to our Citibank credit card account, which was the full balance. For reasons that have never been adequately explained to us, this payment was returned to our account at XXXX XXXX by Citibank. Citibank then charged us a {$35.00} late fee after rejecting the payment for the principal. We sent the payment for the {$12.00} principal, and called Citibank, requesting that they waive the late fee. They refused to waive the late fee, for reasons they would not explain. We requested that the account be closed, and were told that this would be done. 

About two weeks later, we were contacted by Citibank again, requesting payment. At this post, they had charged a XXXX {$35.00} late fee, apparently related to the XXXX late fee, as we had already paid the principal. They also told us that the account had not been closed, despite our prior request. 

Tonight, after speaking to XXXX different representatives at Citibank, we were told have an approximately {$82.00} balance with them, reflecting their fees upon fees for an initial {$12.00} charge. They confirmed that they had returned our payment, but could not explain why it was returned. They could not explain why our prior request to have the late fee waived was denied, and they could not explain why our request to close the account was not acted upon. They stated that they will have a manager investigate this further. 

The highest level contact I have made to date was with XXXX, ID # XXXX. We have made about XXXX calls to date to Citibank to address this, and we have no resolution at this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received an offer from Citibank to open a new Citigold bank account in XXXX XXXX, which promised XXXX XXXX XXXX miles in exchange for making XXXX XXXX XXXX XXXX bill payments in consecutive months and for spending { {$1000.00} } on my debit card. I met these requirements in in XXXX XXXX and here is an excerpt of the message I received. 

" After my review, I confirmed that with the bill payment on XXXX/XXXX/XXXX and your total debit purchase of {$1000.00} being met on XXXX/XXXX/XXXX ; all promotional requirements have been met. To set your expectations, the miles are automatically credited 90 days from the end of the statement cycle in which the requirements were completed. I was able to calculate that the miles will be credited to your XXXX account by XXXX/XXXX/XXXX. '' Now Citi is giving me a run around saying there 's delay and I wo n't get the bonus until XXXX45 days after today when I called. This has been going on for weeks. I 've tried contacting them over the phone and online, all I get is run around. I just want to get this resolved in a timely manner without having to chase them down. Does Citi want to alienate their customers? What kind of relationship do they want to create with the public here? After all, we did bail you out after you XXXX up in XXXX with the whole mortgage stuff. I mean come on!

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 2016-11-29 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Back in XXXX XXXX erroneously reported late payments on a student loan that was deferred. I contacted the Bureaus directly and provided them with proof of the error and requested that they remove any negative ratings from my credit report. All bureaus complied with the exception of XXXX. I reached out to the CFPB for assistance with getting this error corrected and the same reflected on my credit report. I have since had my credit limit decreased on my Citibank credit cards as a result of this. I have been a Citibank client for about 20 years. I had one credit card with a limit of XXXX and another with a credit limit of XXXX. To my dismay, my limits have been decreased to XXXX and XXXX. I explained to them that this was reported by XXXX in error and it has since been rectified. They sent a pretty standard letter to respond to my rebuttal stating that my limit was decreased due to negative information reported to the Bureaus. I should NOT be penalized in any way by an ERROR that resulted in an incorrect reporting by a creditor. I have exhausted all of my resources in trying to help Citibank to understand the nature of this error. This decrease in my credit is unfair and not related to my credit history or ability to repay. I am asking that my credit limits be restored immediately. I have uploaded copies of the Citibank notice of credit limit decrease along with the original notice from XXXX evidencing my student loan is deferred until XXXX ( late payments were reported in 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 2015-09-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am in Citi ThankYou card program with XXXX points on the statement as of XXXX/XXXX/XXXX and got reduced to XXXX points on the statement as of XXXX/XXXX/XXXX. It was forfeited by XXXX points. Their reason is my XXXX was canceled and wo n't give me back my earned ThankYou points. I totally disagree with and like to dispute them. 

1. I have XXXX Citi preferred ThankYou XXXX cards since XXXX. I 've consolidated the ThankYou points I accumulated long time ago as they encourage their clients to better use and manage the ThankYou points earned. The consolidated points were shown on my monthly statements. There is ONLY XXXX SUMMED POINTS for the XXXX cards without any separate accounting records. 

2. As the same effort to better manage XXXX same cards, I requested Citi to consolidate my credit limits to XXXX card instead of XXXX in XXXX. They did n't grant me so I just use XXXX card to simplify my spending and accounting activities. I received a letter from Citi a few months ago stating that my inactive card was canceled. They wo n't restore my inactive card and the card was canceled without my consent. I have perfect credit records with every loan and credit card I have. I suspect they broke the law of fairness in credit card application. 

3. I am aware of my ThankYou points live with my valid credit card. However, Citi does n't state that the consolidated points will forfeit and they do n't show anywhere on my monthly card statements. I asked their agent the time I consolidated who told me my points will never lost as long as the consolidated account is open. XXXX summed points CAN NOT DIFFERENTIATE THE POINTS of XXXX card or another. Any redemption I had was deducted from the XXXX summed points in my monthly statement. 

Obviously Citi 's ThankYou points ' consolidation is neither clear/clean explicitly nor customer friendly. There are flaws in their system design and operations that are not fair or even lawful to their customers. I CAN NOT BE the VICTIM of THEIR PROBLEMATIC SYSTEM! 

It is unfair to cost customer 's interests for Citi 's mistakes. It is even not ethical or lawful to trick customers if intentionally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I returned an item 3 weeks after purchasing due to item not working properly. I did n't receive a credit for it as the item was lost in the process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citimortgage has placed a lien on a property when they did not have a title conveyed to them. They continually harass and trespass. They want to run up legal expenses and costs when they did not have a deed to the property. They are trying to foreclose. They have literally made the title unmarketable. They continually say, get a lawyer. Lawyers cost XXXX dollars and time. A corporation owns the property, Citi did not get title, and they refuse to discuss any settlement or resolutions for their corruption.

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