vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My husband and I opened a promotional checking accounts and credit card accounts with Citibank. With us following specific requirements laid out by Citibank, if followed, we would receive XXXX XXXX XXXX miles which would be credited to our XXXX XXXX rewards accounts. We completed the requirements and have written confirmation from Citibank that we were to receive the XXXX miles on XXXX XXXX, XXXX, 90 days after our completion of their requirements. This email from Citibank was dated XXXX/XXXX/XXXX which acknowledges this. The email from XXXX XXXX XXXX from Citibank states " I can confirm that you satisfied the requirements for our promotion code to earn the bonus XXXX AAdvantage miles. '' I have attached all correspondence for your reference. On XXXX XXXX, XXXX, after we inquired as to why our miles had not posted to our XXXX XXXX miles account, Citibank sent correspondence saying that they have " determined that you are not eligible for the promotional incentives. '' This is after they have charged us their servicing fees and advised us in writing that we would receive them. I am attaching all the documentation and correspondence to this complaint. 

We have place several calls and lodged several complaints with Citibank internally, the latest being Monday, XXXX XXXX in which we are still waiting for a call back. The manager escalating this within Citibank ( XXXX in the Kentucky office ) will not give us a contact number to reach out to him for follow up, nor will he allow us to fax or email the correspondence Citibank sent to us in order to expedite the process. At this point, it seems we have hit a wall with Citibank 's lack of response and have no recourse but to formally complain through the CFPB. A satisfactory resolution would be for Citibank to give my husband his XXXX XXXX miles and myself my XXXX which Citibank promised back in XXXX of XXXX and XXXX of XXXX. Citibank expected us to honor our commitments to them, it seems only fitting that Citibank honors the commitments they made to 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 non-monetary relief
Consumer complaint received 2016-10-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX/XXXX/16, I received an e-mail indicating a potentially fraudulent charge to my Citi credit card. I called on XXXX/XXXX/16 to tell them the charge was fraudulent. In addition, there was another fraudulent charge. They stated that they would need to close this card and issue a new XXXX. I am traveling and need this card to charge expenses. I asked them to overnight a new card to the hotel I would be staying at and that I needed to charge an airline ticket for work. They put me on hold for 30 minutes to get a Supervisor. If they are this under staffed in the fraud department maybe the CFPB should examine their procedures and response times. Is fraud something the people should put with and the government and banks are above the law? These banks, credit card companies and the government is nothing but a crime syndicate.

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 2016-10-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After numerous attempts to explain that my payment must be processed via ACH, not echeck, Citicards again requested an echeck, then charged return check fees, late payment fees, and interest. I provided accurate account information and have a letter of support from my bank requesting that Citicards reevaluate these fees and provide a refund.

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 2016-04-25 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: CA

Complaint narrative:
Attn : XXXX XXXX : I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In correspondence dated XX/XX/2016 I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to your company, under FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that you are to delete the fraudulent account from my credit report and give up all collection activity. Your company not only failed to do this, but also verified the debt as a valid debt when the credit bureaus contacted you to verify validity of the debt. This is a blatant violation of my rights FCRA. Additionally, the only response to the ID Theft report that I had sent your company was sent to me by your assignee XXXX XXXX XXXX, who perplexingly claimed that I needed to send them more information, and perplexingly they asked for the police report again

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 2016-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report is showing a sync XXXX credit card which I do now own or have in my possession. This is not a card which I own or use and do not know why it is showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened an interesting checking account with Citibank at their XXXX XXXX, XXXX branch on XXXX XXXX, XXXX through a referral. At that time there was a promotion of {$400.00} cash bonus for new customer and {$100.00} cash bonus to the referrer. The first Citibank agent I spoke to said we would receive the cash bonus by XXXX/XXXX/XXXX. The second agent I spoke to said we would receive the cash bonus by XXXX/XXXX/XXXX. The third agent I spoke to said he does not know why I have n't received the money and opened an investigation/case on XXXX/XXXX/XXXX. After numerous encounter with Citibank representatives, I was left speechless and annoyed. Right now I still have n't received the money and felt cheated by Citibank. I guess Citibank only cares about profits and number of accounts that they can lure customers to open.

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 2016-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear CFPB I am trying to obtain a final modification but several banks have failed to file satisfaction of mortgages and it is having a negative impact on my ability to do so. 

XXXX XXXX XXXX XXXX a company acquired by XXXX in XXXX. I need a satisfaction of mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a credit card offer stating that I would receive XXXX bonus miles if I spent {$4000.00} in the XXXX XXXX months. I wanted to confirm that I was indeed eligible to receive the miles so before agreeing to the card, I called and had the confirm over the phone that I was indeed eligible. They stated yes, and I opened the account. I then proceeded to spend {$75.00} in fees to charge {$3600.00} to the account so that I would meet the {$4000.00}. I called to confirm it was {$4000.00} and they stated that I would not receive the offer because I had a previous account in the last XXXX months. As I stated before, I had called to confirm this information before opening the account and they lied to me and said that I was eligible. I am now out {$75.00} dollars, have an open credit card on my credit history and would not have opened this account if I could not receive the offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I paid off my Macys Credit on XX/XX/2017, payment for the balance due had to be received by Macy 's on XX/XX/2017. To my surprise I received a {$2.00} statement from Macy 's at the end of XX/XX/XXXX for {$2.00} then in XX/XX/XXXX for another {$2.00} and now in XX/XX/XXXX for another {$2.00}. I called in XX/XX/XXXX and they said they would remove the charge, so I did not pay. In XX/XX/XXXX I did not call so I called again in XX/XX/XXXX. Now they say that it is interest due from my last statement ... .so why do they keep billing me for additional {$2.00} every month. I have paid off other credit cards and when I pay the balance due before the due date that is it! I do n't get another statement from them again unless I use the card again. I really think this is a total scam. I feel robbed. I know it is just {$6.00} but I feel it is just not right. I can see from other complaints that this is what they do with everybody. I can only imagine all those who do n't complain and just keep on paying the {$2.00}. I paid the {$6.00} due because this is affecting my credit ( I know they will report me for the {$2.00} being past 30 days ). Somebody needs to do something and stop Macy 's from doing this. This is just not fair to the consumer.

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 2015-08-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
In XXXX, I took out an auto loan with Santander Consumer USA. In XXXX XXXX, I filed chapter XXXX bankruptcy. Although the car was not included, the loan was listed on my schedule of creditors and somehow an amount equal to XXXX payment, {$390.00}, was included. So the trustee sent them small payments throughout my plan. In XXXX XXXX the loan was paid off, after which time the trustee sent Santander another {$91.00}. I called Santander and they said they could not refund that to me, that the trustee had to request. I called the trustee and they said no, Santander owed me a refund. They refuse to send me that money. Since the loan was paid off, I do n't even know what loan it would 've been applied to. They also have not reported this loan to the credit bureaus. Since it was never late, it would greatly help my credit score. 
I took out a new loan with XXXX in XXXX XXXX. This obviously had nothing to do with the Chapter XXXX, but a few months after taking out the loan, they flagged it as being in bankruptcy. Because of this I have no access to my account online to make payments, see the balance or even request a payoff. And again, this is not reporting to the credit bureaus. I called and they said even though the chapter XXXX was discharged in XXXX and the loan was not part of the bankruptcy, the loan would stay in bankruptcy status for the full 6 year term. I worked for XXXX 15 years ago, and putting someone into or out of bankruptcy status involved clicking a button. Santander owes me {$91.00}, they need to take my current loan out of bankruptcy status, and report both of my loans to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ASTA FUNDING INC.
State: IL

Complaint narrative:
ASTA PURCHASED XXXX XXXX AND IS REPORTING ON MY CREDIT REPORTS IN VIOLATION OF FDCPA , FCRA AND S.O.L. LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
On XXXX, I learned from my friend about a Checking account promotion CITI bank is running ( XXXX XXXX points after meeting requirements within 90 days ). I contacted CITI bank on XXXX/XXXX/XXXX via their Online Chat and asked the representative XXXX to check my eligibility for the promotion. CITI representative asked me " Do I have a Credit Card with CITI ''. I replied " I have XXXX. XXXX of them are XXXX card ''. After learning that, CITI representative informed me " promotional offer is for all existing credit card client who does n't have any deposit account with CITI ''. I told her I do n't have any checking or saving accounts with CITI. CITI representative offered me the promotional offer code XXXX to use when opening the account. ( I have the Chat copy that i can provide ) I opened Gold Checking account by end of XXXX and completed all requirements by XXXX. On XXXX/XXXX/XXXX, I contacted CITI bank again by online Chat and asked CITI representative XXXX to verify that I completed all the requirements for the promotion. She took some time to verify but came back and confirmed all requirements are complete and I should receive my promotional points shortly. ( I have a copy of the chat ) After waiting few months and not seeing any points posted, I asked CITI representative the status of the promotional offer. They created a ticket for me and told me to wait for a response. I recently got the response from CITI bank saying " Promotion was invite only and I was n't Invited. '' When I replied back telling them about the conversation I already had with different CITI representative before and after opening the account, CITI stopped responding to my request.

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 2016-01-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I purchased a bunch of items at a Home Depot store in XXXX, MA last year in 2015. At the register, a home depot sales associate said I could save 5 % to 10 % on that purchase and every subsequent purchase made in Home Depot online and Home Depot retail store, if I used a Home Depot credit card. So I signed up for the credit card believing that promise. A XXXX weeks later, when I purchased some more items on Home Depot, they did not give me the 5 % discount they promised on the credit card. So I called Home Depot/Citibank customer service, who clarified that there is no such terms. I canceled the card immediately, but I noticed that a hard enquiry was made on my account by Citibank. So I asked Citibank and Home Depot to remove that enquiry and that I would pay the outstanding balance immediately after. Till date, neither Home Depot nor Citibank have removed that hard enquiry, even though they acknowledge their mistake. I have made more than XXXX phone calls, sent them several emails also. They seem happpy to charge me for interests and penalties on a credit card they sold under a false promise. They have not helped me remove the hard enquiry with teh credit bureaus. 

I have never had a bad report on my credit report ever. This is the first time that a credit card company has landed me in trouble with unfair practice. 

I fail to understand what protection a consumer has against unscrupulous sales associates tjat make false promises to customers. In retail stores, when customers are in a rush, when there is a line behind the customers waiting to pay their purchase, it is not easy to scroll down and read the mnutiple pages of terms and conditions on a small XXXX device. 

I would like to have Citibank remove the credit reports on my file., remove the hard enquiry as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for a bestbuy credit card and made an online purchase the same day. The card was mailed to my condo instead of my mailing address. It got returned by the post office. I called bestbuy to setup an online account so I could make a payment and they would n't let me do it without giving them the full card number. Now the payment due date has passed and they will not accept my payment over the phone unless I give them my checking account number. 

my issue is that I 'm late with a payment because they did not get the card to me. I still do n't have the card after XXXX months. They were able to do a purchase over the phone but ca n't assist me in setting up my online account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: FL

Complaint narrative:
They called me XXXX times in a matter of XXXX hours over a balance of {$490.00}. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Sir or Madam, here is the issue I just recently went by dealing with Citi Bank credit card : last week I received an email from XXXX XXXX about opening a new credit card with Citi Bank because I already have some miles with them and they now offered more benefits and I choose to go with it and used my home computer and started on XXXX XXXX website which later transfer my directly to the Citi Bank website so when I filled out all my data online Citi Bank confirmed right away on the same screen on their website that I was approved for {$4000.00} credit card and offered 0 % interest on the balance transfer for first 21 months if I choose it right now as well as to add an authorised user so I added my wife and requested {$3500.00} balance transfer Citi Bank charged me a bit over {$100.00} for it as they said only one time fee and said that it will be no interest for 21 months but when I received actual card today the Citi Bank wrote me totally different things saying that I have to pay them 22.24 % since the beginning and even no single word about my balance transfer and that offer I used ... 
I was trying to log in on my account with them to see what 's going on but Citi Bank showed there a message it is an error and they sorry about it ... 
I called Citi Bank via my cellphone and in an hour was speaking with their technical department and they said cause some issues on their end they there flashed everything I had on my account and asked me to start over to set everything again from nothing ... 
I did as they said because they was all the time with me on the phone directing what to do and I asked them about my offer for balance transfer with 0 % interest for first 21 months - they said yes it is available but I need to speak with customer service about it and they transfer me to them only thing that Citi Bank customer Service representative on the phone said yes they have this 0 % balance transfer offer for first 21 months but my data do n't have any records about it and they not turned it on in my case I asked to speak with Citi Bank supervisor / manager about this issue but she said if I do n't have paper / picture confirmation which I must take on my own while my initial application and approval was done on their website - she can not reapply the same offer they offered me since the beginning and they going to charge me for full price and all interest ... 

I think this is perfect set up for making people trapped to pay high interest by false advertising and computer tricks which the Citi Bank is doing on purpose to gain profit!!!! 

please help me out - I want my original offer / conditions to be applied as it was on promotional balance transfer with 0 % interest for first 21 months

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 2015-04-18 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:
I noticed on my credit report that there was a strange addition of negative information, so I called the company listed. They identified themselves as BC Services upon my phone call on XX/XX/XXXX. I asked what the debt was that they were reporting and they claimed to have called my number in XX/XX/XXXX. I have no record of contact at that time, nor do I remember speaking to any debt collector. I asked to speak with a supervisor and the supervisor was aggressive. I told him that I would need further verification of the debt so I can make an informed decision as a consumer. I told him I would be sending a letter requesting more information and his reply was that " I do not need to send a letter ... I can verify whatever you need over the phone. '' I proceeded to send the letter anyways so I could get the information I needed in writing. Today, XX/XX/XXXX I received a letter in response which was XXXX pages ( attached ) that tell me have no basis to verify both the debt, nor the information needed to verify BC Services right to collect on this debt. Their letter also indicated " Enclosed are the statements provided by our client that confirm the charges ; '' however, the letter did not include any statements. They only list that the charge is from XXXX XXXX and each of the XXXX pages indicates a different dollar amount. I feel that the creditor is trying to collect on a debt they do not have a legal right to collect on, based on the avoidance of submitting to me proof that they currently hold the debt and they have a legal right to collect on the creditor 's behalf.

Company response to consumer: Closed