vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer make the requirements, we are suppose to receive XXXX in XXXX XXXX points. I made the requirements, I confirmed with Citibank, XXXX XXXX from Citibank confirmed that I am suppose to receive the points by XXXX 2016. I have not received the points yet. I made attempt to ask Citi to honor the agreement, but to no avail.

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 2016-09-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A company I hired to do business for me did not deliver the promised product. I disputed with my credit card company and instead of handling it as a dispute they handled it as fraud. Refusing to handle it as the dispute I had filed. I checked today and they still show the dispute open. I found out that Citi has a habit of handling a disputed charge as fraud in order to avoid giving the consumer their money back. This is not right. On XXXX Citi acknowledged that I filed a dispute ( attached ) and today they still show this dispute open ( also attached ) I only attached the information for the {$4200.00} but also have all the documents for the XXXX {$700.00} charges, which they also mishandled and not in a timely fashion. I filed disputes in XXXX XXXX and in XXXX XXXX you will see they were still open ( attached ). XXXX lady told me they had sent the money back to the vendor and I would never see my money because Citi made a mistake. PLEASE I BEG YOU if you need anymore documents PLEASE let me know - I have hundreds of pages showing they handled by dispute improperly and I can back up everything I am saying in the letter I did attach and more.

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 2015-05-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I took out a private student loan with Citibank ( XXXX ) in XXXX to attend graduate school at XXXX. Upon completion, I began to pay back the loan ( in XXXX XXXX ). There were XXXX private loans total with XXXX. In XXXX XXXX, Citi sold XXXX of the loans to XXXX. I began to make payments to XXXX, however in late XXXX, due to financial problems, I was unable to make the ballooned payments. I eventually worked out a payment plan with XXXX in XXXX XXXX. We set up a repayment plan for both of my loans with XXXX. XXXX withdrew directly from my checking account to post towards the loan. However, in XXXX, while still on my repayment plan, Citi took XXXX of the loans back and I was not notified by either XXXX or Citi. During the past year ( from XXXX XXXX XXXX ), I was unaware that Citi had taken the loan back. XXXX continued to withdraw money from my account for the repayment plan. I was also still paying back a loan with Citi and I never saw the second loan on my loan account. It was n't until I ran a credit report on myself in XXXX XXXX that I noticed I had a " Charge Off '' loan with Citi. When I contacted them to ask why, they said they took the loan back from XXXX due to delinquency ( even though I already had an agreement in place with XXXX ) to pay the loan. Even though Citi took the loan back, they never contacted me for an entire year regarding the loan. When I spoke to Citi 's Recovery Department, they informed me that they would send the loan to a collections agency to process. I asked if I could just arrange a payment plan with them now since I was never aware of the loan. They said no. In XXXX, I was contacted by a collection agency to begin collecting on my loan. I am in complete disbelief that neither XXXX nor Citi notified me of a loan that was in limbo for an entire year. Now, it has ruined my credit. I have submitted a letter requesting that Citi take back the loan from the collection agency and process it themselves and allow me the opportunity to make the payment directly to Citi. I have also requested that they reverse all the negative action 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 2017-01-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citicards is giving me the runaround in crediting me for a transaction that it has already identified to be fraudulent. On XX/XX/2016 Citicards called me to report a suspicious transaction on my account resulting in termination of the card and issuance of a new card. Since then I have called Citicards to have removed a transaction from XXXX that I never mad. I have spoke to over XXXX representatives each time they misrepresent that it is not a problem and not to worry and that the transaction will be taken off in 3 to 4 business days.

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 2016-03-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I call Home Depot credit services and requested a block be placed on my account so charges could not be made. I also had a password placed on the account at their suggestion. Over {$1600.00} in charges were made on the account after the block was put on. I was told that unless I was willing to prosecute fraud charges that I would be responsible to pay. I called for investigation and explained what happened but I was not willing to file charges. I did pay off the balance in order to protect my credit and avoid further stress to myself. I am XXXX XXXX XXXX and feel like they did not live up to their commitment to me. Account -- 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 2015-05-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I took a cash out loan to pay off my Home depot Consumer Credit card & the title company overnighted them a check for {$5600.00} on XXXX, it was received in their office on XXXX & deposited on XXXX. They have yet to post the money to my account. I have called numerous times & been given the run around. I spoke to a manager named XXXX XXXX on XXXX at XXXX and was promised this was resolved. 2 days later my money is still not posted to my account & XXXX XXXX is refusing to return my calls. I faxed their payoff department on XXXX with the cancelled check & letter they asked for. They have had my money since almost 2 weeks & done NOTHING to assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have made Extra payments to be applied to my principal balance and have selected that option. Citibank keeps putting it towards my Monthly balance. This is XXXX me up to pay off my balance quicker.

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 2016-08-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
This complaint is against Best Buy Credit Services and Citi Cards. I opened a myBestBuy Credit Card through Citi Bank. Through my bank, I submitted a full balance payment to Best Buy Credit Services which cleared on XXXX XXXX, 2016, before the payment was due. However, I began receiving calls from a debt collector and received a letter from Citi Cards with a copy of my cancelled check for the full balance, asking me to provide information such as my account number, etc. The Citi Card letter instructed me to mail my response to a Citi Cards Payment Investigations P.O. Box, which I did. Over a month later, I am still receiving calls from debt collectors. The debt collectors calling me claim they have no access to the copies of correspondence that have been sent to me or a copy of the letter that I sent to them. They constantly transfer me to different departments and I have to wait on hold for significant periods of time before speaking to another person who can not resolve my issue. I have proof from my bank that I paid the full balance on a timely basis and I do not understand how Citi Cards and Best Buy Credit Services can, in good faith, claim that this matter is not resolved and that I owe interest. I am frustrated with their bad faith practices and want them to immediately acknowledge that I made full payment on a timely basis and that I owe Best Buy Credit Services and Citi Cards no interest.

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 2016-04-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX does not know XXXX. 
This is fraudlent account. My documents were stolen in 2009. 
This dates back to when my documents were stolen.

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 2015-09-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
one main financial ran an inquiry on my XXXX XXXX and XXXX credit reports with out my permission, and i cant even find out who this company or bank is

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ZENCO COLLECTION, LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2016, I received a call from Zenco Collects at XXXX. He stated that I owed money and he was calling to collect. I told him that I was working in the field and I would call him back. He said no, I was n't taking him seriously, He said that he had our vehicle licenses and if I did not pay he would be issuing a warrant for our arrest. I stated that I needed to call my wife, he started yelling and said no, I had to pay up now or he would be garnishing my wages, and he would also be contacting the IRS and have my income tax return for the next 5 years. They said that they would be seizing our vehicles and other property. I panicked and at first agreed to pay, when I talked with my wife she stated that what they did was illegal and that number is associated to a scam. I called back and told XXXX XXXX not to take any money out of my account. I have no idea if that if this a valid debt or not, but this well exceeds the statue of limitations in the state of Texas.

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 2016-04-22 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I attempted to purchase gas on Wed XXXX XXXX in the evening in a gas station where I always purchase gas. It 's a XXXX gas station ( Route XXXX, XXXX XXXX. NY ) and I use a 'speedpass ' which is linked to my debit card with a Citibank checking account. I have done this for many many years. The purchase was declined several times. 
I knew Citibank sent me a new debit card, so I went home, activated the new credit card, and attempted to purchase gas again on Thurs XXXX XXXX morning. I twice tried the speedpass and it was declined. I tried my debit card at the pump and it was declined. I went into the store and swiped the debit card and it was declined. I had borrowed cash and was able to put enough gas in my car in order to go to work on Thursday. 
Friday morning XXXX XXXX, I went on my Citibank online account. I was able to get online and some of my accounts showed ( a credit card and CD ), but my checking account and savings account did not display. I tried again a few hours later and the same thing. 
I called customer service and was not satisfied and requested to speak with a supervisor. Another person, XXXX, came on the line. She stated that nothing was showing that there was a problem with my Citicard. She told me that emails were sent to all customers that there old debit cards would no longer work if they did not activate the new cards. She told me I should go on the gas station website to see if they were having a problem. I was not satisfied and asked to speak to someone else. She told me she put in a request and I would hear in 2 business days. ( I assume that means next week. ) My complaints against Citibank : 1. They are holding my money hostage. 
2. I activated my new Citicard and it still did not work. 
3. I was stranded and unable to put gas in my car and had to borrow money in order to put gas in my car and go to work. 
5. They cut off access to my bank information online. 
4. They are going to make me wait for days until an advocate calls me and addresses my concerns. 
5. How can they refuse people access to their money because they decided to issue a new debit card???? 
I have been a customer with Citibank since 1969 ( when they were called XXXX XXXX XXXX ), and I am outraged with their bullying techniques in handling customers and their poor customer support when needed.

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 2015-05-10 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
acct closed under CHP XXXX bankruptcy and still showing on my XXXX reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I made XXXX payments to cover my XXXX billing statement though XXXX was meant for the XXXX statement. The XXXX in XXXX where on the XXXX to cover the payment due of {$350.00} originally sent {$350.00} and realized it was not enough & sent an additional {$50.00}. Then in early XXXX while doing my bills I paid {$400.00} on XXXX to cover what I thought would be applied towards the XXXX statement however the XXXX statement did n't close until XXXX so I paid a day early or almost 30 days early since the payment was not due until XXXX. {$800.00} in payments where applied to the XXXX statement making it look like I missed my XXXX payment. Now my XXXX statement is showing late and they are asking for XXXX to bring current plus a {$26.00} late fee and they reduced my XXXX limit as a penalty for paying too early. When I called they said to bad you need to pay attention to your due dates and there is nothing they can do, just plain bad customer service. Today I will make the {$330.00} XXXX payment again to avoid additional late fees and the additional {$250.00} prior to the XXXX due date to bring everything current in their eyes. All I asked them to do was post my {$400.00} XXXX payment towards the XXXX billing statement. I would also add that I have never missed or had a late payment on this account. I will do whatever it takes to pay this debt off ASAP and never deal with them again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-07 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I set up a 5 year CD for my granddaughter at CitiBank. Someone in the bank changed her Social Security number 2 years in. When it was time to cash in they would n't give me the interest of {$140.00} because the Social Security number did n't match her name. They should n't have changed her number. They say they ca n't help me retrieve her money. Their mistake her loss. I want to file a complaint against 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 monetary relief
Consumer complaint received 2016-07-23 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XXXX/XXXX/16 I went to XXXX Macy 's Store, I went about my business shopping and being the frugal shopper I was checking out the sales. I approached the associate to pay my bill when to my surprise she said your account is close, I said you got to be kidding me. With the upset look on my face the senior agent next to her said to call their CSR. She was told that my account was closed because I did not pay XXXX, she put me on the phone with the csr agent, and she said a statement was sent, I told her I never saw one nor a phone was made to me. 

I was told to restore my account I have to pay this, which I did, but due to this they have reduce my credit line from XXXX to XXXX all because of XXXX. Now I am a very good paying customer. 

However from XXXX I have just received the statement she reprinted and mail. 
The purchases I made that day was {$100.00}, which I paid. Then I saw a watch for about {$60.00} on sale andI bought it. However I had to return some of the clothing due to fitting reason, which will take care of some of the charges on the watch, and then I paid the difference of {$11.00}. 

However when I logged onto my macy account TODAY XXXX/XXXX/16, they had the nerve to charge me {$2.00} in interest, ****it is not over a month and they added interest*****. 

However I called their billing department to complained and the agent was will waive the {$2.00}, principle matters to me, if Macy have their system to cheat and nickel and dime their customer that is ****NOT RIGHT*****. 

If you do a search with my purchases at macy, you will see all payment made on time and in big chunks of funds. 

What I want to see ****is my credit line restored back to where is was*****. 

All this for XXXX, also I am considering in closing my revolving account with them, if they do not take responsibility of how I was treated.

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 2016-08-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I have a Sears Home Improvement card, I have ran into some financial issues. I have sent them e-mails on there web site, I have called on three different occasions to explain my issue all they say is can you borrow from someone, and we are sorry to hear about your situation and will make a note in our system thank you. Not one time did they offer some kind of option to get the account back on track but they say we can offer you lower interest, lower payments none of this comes into play when you are talking to them. Then they call early in the morning and all throughout the day. The last call I took from them the gentleman said for me to call their forbearance department after the XXXX of XXXX, I called and told the gentlemen I wanted the forbearance he states I can help you, what ends up happening, I am sorry to hear about your situation I will make a note in the computer. Afterwards a day later here they come with the early morning calls totally harassing me and my family. Sears is not trying to work with me at all to find a good solution with this matter. Plus the cabinet refacing is a joke they claimed it was a lifetime warranty but its not. They salesman told me and my wife it was lifetime warranty parts and labor false practice to make a sale. I really hate I ever dealt with sears. After they had to come out two times to make repairs on the refacing work the third time all of a sudden no lifetime warranty false advertising. I have had it with sears and their tactics. The company is taking advantage of consumers, and something needs to be done. I advise anyone not to deal with sears and their cabinet refacing.

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 2016-07-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I had made went to best buy to purchase a computer. The salesman told me that if I signed up for a best buy credit card that I would have the option to either get points back for my purchase or get 12 months interest free. We went with the interest free deal. He then gave the option to get a visa card or a best buy only card. The associate advised us that the visa card could be used anywhere and that it still would be interest free from the date of the purchase. 

This information was misleading. It was n't until a few months after we used the card for a big purchase did we realize that the card was not interest free, but only the first purchase was interest free. When we called customer service and spoke with XXXX XXXX XXXX in idaho, she advised that what someone says verbally is not considered a verbal contract and thus when the terms and conditions were mailed out after the purchase, we should have read that instead of going on what a sales person stated. I stated we should not be mislead to sign up for something that can affect our credit in multiple ways just for signing up.

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