vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
1 I closed my checking account with Citi-Bank N.A,. The bank did not include my interest earn in my final closing check.. I contacted there Citi gold department but up to today all they keep saying that it 's being worked on ( NO - Check almost one month later ), I was told it 's in the mail. When i closed my Citi gold checking, they SHOULD have provided a complete check with earned interest. 
2- I have not been getting my statements from them on a monthly cycle, which caused late fees, and then I recently got a statement with a different City and state address to me. When i complained to Citibank Citi Gold Customer Services, about it they kept telling me the check is on the way. The true fact is that almost a month later and no check. It seems to me that did not do anything. I suspect my mail is going to this address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
my dad had XXXX XXXX XX/XX/XXXX.XXXX has continued to bill him even though I paid a {$220.00} copay and XXXX paid a {$180.00} copay.It has gone to collections wrongly. XXXX XXXX was paid in full in the amount of {$800.00} because I did not know there was an ambulance benefit.XXXX now says the debt is settled.XXXX XXXX also never made a claim with XXXX, probably because they liked my payment of the balance than a copay from XXXX. I have copies of all the bills and payments.I feel like they are targeting seniors. I wish they would get audited to prove me wrong. I find it hard to believe we are the only ones they are doing this to.

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 2016-08-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Based on misinformation provided by CITICARDS customer service on procedures required by the card holder in submitting a merchant dispute the card account was closed. Citicards provides no way of getting in touch with their offices and getting an explanation as to why the card was closed, nor do they provide a procedure as to how a card member can request an investigation into the matter and have their complaints reviewed. 

This was an account in good standing for over one year, total balance paid in full every month and on time.

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 2016-04-23 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I use the Citibank XXXX Advantage Credit Card which entitles the consumer to Group XXXX Boarding on Flights and XXXX Free Checked bag on XXXX airlines flights. The card has a annual fee of {$85.00} dollars for these services. My family and I took a trip on XXXX XXXX on XXXX XXXX to from New York to XXXX XXXX XXXX returning on XXXX XXXX. We did not receive Group XXXX Board or our free checked bag. I contacted Citibank on XXXX XXXX and the service person apologized but indicated that nothing could be done about the services that I paid for that I did not receive. I then asked how could I be assured that I would receive the services that I paid for in the future. The representative could not assure me that I would receive the benefits that I paid for. So I asked why was I being charged for a card that would not work. The agent then offered me XXXX american airlines miles. I never received the miles and I am not receiving the benefits that I have paid Citibank for with this card.

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 2016-11-08 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: VA

Complaint narrative:
I have a debt with citibank for an old XXXX card, my debt was sold to a company called XXXX. In XXXX of XXXX I recieved a letter informaining legal actions will be taken to receive money for the debt, however i could stop this if i call there legal office and set up an arrangement, which i did on XXXX/XXXX/XXXX and the first payment of XXXX dollars was made on XXXX/XXXX/XXXX and after that until XXXX/XXXX/XXXX monthly payments of XXXX dollars was made on the account. Now when i set up the arrangement last XXXX i informed the rep to leave notes that I would be laid off on XXXX/XXXX/XXXX, i was informed to contact the company when it close to that day and I did on XXXX/XXXX/XXXX. The manager who took the recored calla and I asked him to leave notes on my acct said he will have the last payment come out on XXXX/XXXX/XXXX and he stop all other automatic payments and he would send me new paper work and that i had to return with my termination letter. Now as of yesterday XXXX/XXXX/XXXX I received a credit monitoring notice information me i had a judgement on my record and it was found it was placed by XXXX with the county of XXXX in Virginia on XXXX XXXX XXXX ( while payment were being made on the acct ). I called the company and asked why this had taken place they said because I stop making payments and that I didnt return the paper wrk that was sent to me ( this is the paper work i have been waiting on ). It was later discovered that they sent said paper work to an old address of XXXX XXXX va and not the address that all my payment reciepts have been coming to of XXXX XXXX XXXX XXXX va.

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 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
To Consumer Financial Protection Bureau : I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In late XXXX XXXX, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. I signed up for the promotion because I was lured in with a bonus promotion that promised XXXX AAdvantage miles would be credited to my AAdvantage account that was linked with my Citi AAdvantage Platinum Select credit card. Hence I had confirmed via chat with a Citi Bank representative a few days after my application that the application will be processed, and that I qualified for the bonus offer of XXXX Miles upon meeting the promotion requirements : Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform XXXX or more bill payments for 2 consecutive calendar months. This information should be discoverable as all conversations are recorded by Citibank. After I met the promotion requirements, I contacted via phone and chat to Citibank to confirm this and to inquire when to expect the points to be posted. I was told to wait for about 90 days and my points would be posted to my XXXX XXXX XXXX account. However, towards the end of XXXX, my miles had not posted and it had been past 90 days. On XXXX XXXX, XXXX, I received a formal letter from XXXX XXXX, Director, Client Research, informing me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. See attached letter from Citibank. This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was not for this promotion. I am requesting Citi to honor the set promotion. If I was indeed not targeted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not do it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. They have not acknowledged that if I was not going to receive a bonus it should have been communicated to me during numerous confirmations about the offer. It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. I have been a customer since early XXXX and if this is not handled appropriately I will pursue it further with litigation and no longer do business with this company ever again. I appreciate any help the CFPB can offer to resolve this issue in a timely and satisfactorily manner. 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 2015-04-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Attempted to close Citi/XXXX XXXX account and was unable to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Rude and continued to talk over me while explaining that I was at work and would not discuss the matter. Continued talking then made rude comments that he isnt the one who didnt pay their bills and he didnt care about my issue. 

Each time I stated I was at work, he continued talking over me and was rude. I do not know how they even found my work number because I do not write it down nor call it. 

In addition, I looked the number up and it was a personal phone number used not a business and I am concerned this person has my information and may not be secured. I did not verify any information except that the company in question refused my payments I was making when I was unemployed and had no money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I am a member of Costco Wholesale. On XXXX XXXX, I received a credit card from Citibank because Costco is no longer teaming with XXXX XXXX. I contacted Citibank, Costco, and XXXX XXXX. Because XXXX XXXX, as authorized by Costco, sold their entire portfolio to Citibank, XXXX XXXX refused to cancel my account before the final transfer date of XXXX XXXX. When I contacted Citibank, I was told that they would not cancel my account because they purchased the portfolio through Costco. Costco 's General Manager informed me that I had to work directly through the credit card companies. How is this legal? I do not want to give XXXX XXXX or Citibank my business.

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 2016-02-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a CitiAadvantage card for years with Citibank. On XXXX I was told the bank declined my card. They have made no attempt to contact me, and when I check my account online it still shows that it 's open, and current with no overdue balance. I have tried repeatedly to call Citicard customer service to find out why, but they say they can tell me nothing. After several tries to reach upper supervisors ( and being hung up on once ) I was told it was " a security issue '' and that the only way to get a response was to mail them a letter and wait for a response. If there are security issues with my account or credit, I need to know in real time. Apparently there is an " executive response unit '' from which this information is mailed, but there is no way to reach them except by snail mail. The company 's refusal to provide me any information is unacceptable, and puts both my financial security & credit at risk.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
It is in regards to a loan modification that We did n't request, but were offered by Citimortgage in XXXX of XXXX. The loan modification marketing material they provided us indicated that we 're " already approved '' ... .just sign and return before XXXX XXXX, XXXX. So, we did. Finally after 6 months, we received the " finalized '' Citigroup-signed documents on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we received what appeared to be the blank, unsigned loan modification documents yet again. After two full years of making our mortgage payments on time/ahead of time, and according to the terms of the modification, and as shown on my monthly statements, they decided to do a review of the loan modification paperwork. XXXX. The following new statement appeared in the 'My Representations ' section : " I am experiencing a financial hardship, and as a result ( i ) I am in default of the loan document or my default is imminent and ( XXXX ) I do not have sufficient income or access to sufficient liquid assets to make the monthly mortgage payments now or in the near future. 
XXXX. A XXXX new statement appeared in the 'My Representations ' Section : " If the lender requires me to obtain credit counseling in connection with the modification program, I will do so. " We have never been and never will be in default or imminently in default of this or any other mortgage. We do not need credit counseling ; our credit scores are in the XXXX for all XXXX credit reporting agencies. We have no personal debt. We strongly suggest someone look into Citimortage 's business practices, because at best they are completely incompetent, and at worst they are committing acts of fraud against many unsuspecting homeowners as well as the taxpayers via misappropriation of HAMP loan modification incentive payments from the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Recently, Citibank sold their banking accounts to XXXX XXXX XXXX. We received numerous correspondence, stating the transition would go smoothly and without issues. That is not the case. We have yet to receive our XXXX XXXX XXXX checks and debit cards. Citi was supposed to keep our debit cards active until we received and activated the new XXXX XXXX XXXX cards, yet they just shut them off on or around XXXX XXXX. We are now faced with bills to pay, shopping to do, gas for our cars and we have no access to OUR MONEY. XXXX XXXX XXXX says they 're helpless and blames Citi. Citi is unresponsive and in my opinion uncaring. Now - we have had direct deposit for XXXX my wife 's and my paychecks into our checking accounts and they were to be deposited today. Guess what - no deposits have been made. We are now in a situation where I 'm concerned about being able to pay our mortgage and other bills due around the XXXX of the month. Our credit worthiness is at stake. We have maintained credit scores in the low XXXX for years and now we are faced with at best having to go to our credit union to withdraw cash and then take that cash to a Citi location which does n't exist anymore in Texas. This is an abomination and we will seek damages in an amount consistent with their inept handling of this matter. No one has any info about this and no one will own up to their respective XXXX-ups. This is our money and the banks have essentially taken away our ability to use XXXX MONEY. What are we to do???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
In XXXX, I signed up for a Citigold account via a promotional offer ( XXXX ) that advertised XXXX XXXX XXXX miles after completion of two requirements : { {$1000.00} } dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. I was told I had been enrolled for the offer and just needed to complete the above requirements in order to obtain my bonus. So I completed these requirements within the allotted time, confirmed conditions were met with Citibank, and waited for my points to arrive. After more than 90 days had passed, I had still not received my bonus, so sent an inquiry via secure message. I was told to continue waiting. After more time had passed, I reached out again, and was told they would investigate the bonus offer. It was then concluded that I would not receive a bonus. I was eligible under the terms and conditions and met the requirements, yet they still would not make good on their bonus offer.

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 2016-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, I saw the Citi bank gold checking account opening promotion online earlier this year, and it said I just need to meet the following requirements : 1. open a citi gold account 2. use the debit card for XXXXUSD transactions, 3. has two bill payments from the newly opened accounts. After all these requirements are met, I can get XXXX XXXX mileage. 

so I went ahead applied for Citi gold checking account online. and from the Terms & Conditions signing up the new checking account, it clearly listed the promotion for me, and I am eligible. 

To confirm the promotion, I also went to the nearest Citi branch, the banker looked at my account, and said she saw the promotion code, and I should get the XXXX XXXX mileage once I finish all the requirements. 

now it is a few months passed, although I finished all my requirements, but Citi said I am not eligible for that promotion. They said the promotion code is just for specific person. 

If it is just for specific person, why when I signed up the checking account, it said I am eligible? 

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 explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
In XXXX of 2014, I had emergency surgery. I had XXXX XXXX health insurance at the time of the surgery. XXXX paid all claims submitted by providers. XXXX provider, Colorado XXXX XXXX, says they repeatedly submitted a claim to XXXX but the claim was denied. XXXX 's records show no claim was ever submitted by Colorado XXXX XXXX. The medical provider acknowledges they had complete and accurate insurance information for me and that I did my part of the process as a consumer. The medical provider did not perform their due diligence in submitting the claim in a timely manner. Once one year from the date of service had passed, they say they sent me a bill. I did not receive a bill from them and doubt the bill was sent ; it seems that they claim to have billed me the same as they claim to have submitted to XXXX, but no record can be found. They sent the account to collections and say I was notified, but I can locate no record of notification. 

On XXXX XXXX, 2015, I was served with a summons indicating I am being sued for the amount. It should be noted the summons was dated XXXX XXXX, but not issued until a full month later. Once I received the summons I contacted XXXX and Colorado XXXX XXXX. XXXX asked that the company resubmit. The staff member at Colorado XXXX XXXX assured me they would resubmit the claim. They did not. I had to contact the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX for assistance. They were able to review XXXX claim logs for the entire year and verified that the medical company had not ever submitted the claim. They will not submit now, which is needed for XXXX to issue me a statement of benefits showing I owe them nothing. 

Now, I am being sued for the amount of the bill, collections fees, and court fees. For something that is the fault of the health care company not following procedure. I am livid that I have no consumer protection from this sort of senseless lawsuit when I had insurance that would have paid the claim if it had been submitted.

Company response to consumer: Closed
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I applied for a Home Depot Credit Card because it said that they offer no interest for 6 months on purchases over {$290.00}. I bought carpet for over {$3000.00} and they are charging me interest even though I have made my payments. They say that I can not get the " no interest '' promotion because the store gave me a XXXX % discount at the time of purchase. Their full page XXXX ad and small print at the bottom says XXXX about the fact that you ca n't have any additional discounts and the store did not advise me of this. Their practices are misleading and deceptive.

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 2015-09-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Sears credit card is constantly contacting me regarding the debt my husband obtained and in which he is incarcerated. I have told them numerous times and the continue to contact me all day long. And I tell them what is going on and apparently no one reads any notes so then they want to know all this information about me and I am not on this card with him. I was trying to pay as much as I could for him but due to me not being able to sell and buy my house I am unable to any longer afford his debt. But they continue to call for him all day long everyday.

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