vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank has been receiving checks for my credit card account, cashing them, and not applying them to my account. There was a monthly payment being sent to my credit card account through E-Bill from a XXXX XXXX XXXX. These payments were sent on the following dates. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Of these dates, only the XX/XX/XXXX and XX/XX/XXXX payments appeared on my account. I did n't realize the payments were missing until I stopped auto paying my account and received a missed payment fee due to the XX/XX/XXXX payment not being applied to my account. In total, 5 payments were missing, and a sixth payment ( XX/XX/XXXX ) was returned. 

Once I contacted CITI, they located the payments, and applied 4 of the 5 to my account. I called again for the 5th, and was told it was applied to the account. The fifth payment was not applied to the account, and I was not reimbursed properly for the interest fees. 

In the time were Citi cashed these checks without applying them to my account, I was paying more than necessary on my bill, and thereby not getting accurate interest in my personal checking account. Additionally, because they did not back date my payments once crediting my account, I was not properly reimbursed the interest I was charged from XX/XX/XXXX onward. I 've had to reach out to Citi Bank multiple times to get this resolved, and this has still not been resolved properly. 

I would like to know what happened to my payments in this time period, why they were cashed by Citi and not returned when they could not find the correct account to credit the payments to, and if they were cashed by Citi, why they did not investigate the payments and credit my accounts until I contacted them multiple times. I also do n't understand how Citi was able to locate the correct account for 2 of the payments, but not payments occurring prior to, in between, and after those check dates. 

I 'd also like the interest I am owed to be calculated and returned to my account, along with the last payment of XXXX dollars missing from this 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 non-monetary relief
Consumer complaint received 2016-03-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I signed up for the Citi ThankYou Preferred credit card, which advertised XXXX Citi Thank You Points as a signup bonus. I signed up in XXXX XXXX, and should have received the points in XXXX XXXX. I chatted with customer service reps in XXXX, and again in XXXX, and again in XXXX. Each time they said I should be getting the points soon, but as of today I still have n't received the points.

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 2016-12-14 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am a Citibank customer and I had signed up for an offer to transfer a certain amount of money ( that is new to bank ) between XXXX XXXX 2016 and XXXX XXXX 2016 and maintain that balance through 3 statement periods after that ( XXXX XXXX 2016 in my case ). The offer was that Citibank would pay bonus interest of certain dollars to my account if I satisfied all the criteria ( within 90 days of end of statement period when I qualified for the offer ) - so they had time until end of XXXX 2016 statement period to pay me the promotional interest. 

I received confirmation from Citibank that I have satisfied all the requirements and was eligible for the bonus. But in spite of repeated follow-ups, I keep getting a response that they are investigating as to why I did not get the bonus - but no action has been taken.

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 2016-04-17 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
In early XXXX, XXXX, I attempted to upgrade my Citi Rewards Card to XXXX which offered a better reward. I have had my current CitiCard for twelve ( 12 ) years and have always paid it in full and on time. My credit limit was raised in XXXX - I thought I was considered a good customer. To my surprise my application was rejected. I called CitiCard and ask why I was rejected. I was told the reason was that XXXX ( Credit Reporting ) was reporting that I had no credit or credit score. This, of course, is obviously incorrect since I have been a CitiCard holder since XXXX. XXXX does not show my CitiCard on my Credit Report. There is an obvious breakdown in communication between CitiCards and XXXX. I think it is also absurd for CitiCards to report to XXXX credit history of one of their ( CitiCards ) customers, then ask XXXX to provide the same information back to them ( CitiCards ) before they will issue a credit card. CitiCards should already have the necessary information on a current customer of theirs. 
Attempting to contact XXXX and speak to a live person who is willing to help correct inaccuracies is very, very difficult - in my case, impossible. I have filed a separate complaint against them. As for CitiCards, I have made numerous calls and spoken to numerous representatives. None of them to date have corrected this problem. 
This is more than an irritation. This affects what I pay for home, auto, etc., insurance. In my case I can show financial damages.

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 2016-12-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
XXXX froze my heloc because they devalued my property i have since paid down both my first mortgage and second mortgage by over 50 %. they want me to order and pay for an appraisal which i am not going to do. when the froze my line they instructed me my home dropped in value to XXXX which is XXXX. but i will accept that value since i have paid down my mortgage by over 50 % i am not paying for an appraisal

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 2015-10-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ASTA FUNDING INC.
State: NC

Complaint narrative:
Hello I have a bill for a cell phone i took out for a friend of mine in 1999 the debt is on my credit report as a civil judgement. I called the collection agency bcs i stalled on paying back bcs like i said i did not feel i should but i know it is my social and my information on the debt. it was originally {$850.00} and that is on my credit report. Now i called them and they want to charge me a daily rate of 4 % on the balance which according to them is {$1800.00} they wont stop the intrest accruing daily or work with me to reduce the debt i want to pay off. 

Can you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Exxon/Mobil is reporting a XXXX day late payment to the credit agencies from XXXX 2012. I have been a loyal customer of almost XXXX years and have been very adamant about not making any payments that were ever over XXXX days late. I have ALWAYS sent the payments out prior to the XXXX day period and 99 % of the time they arrive early.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 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: TX

Complaint narrative:
They continue to apply the loan payment incorrectly despite specific directions on the check and multiple contacts and notes on the file with customer service. This has made it past due on multiple occasions. The check clearly states to " apply excess to loan x '' as it is our plan to put even a little extra money to help pay it off early. Yet they continue to apply the entire amount to loan x making us " delinquent '' on the other accounts. I have spoken with multiple representatives who have verified that they understand what it means to apply excess to loan x. As this has necessitated calling in multiple times this brings me to another concern, there is no easy way to speak to a representative. You can not push XXXX, but instead have to listen as they detail that the payment is late and would you like to make a payment. The truth is the payment is not late and this call is to remedy the mistake made by the company and yet I can not speak with a representative until over 5 minutes later. For those of us who work ( especially multiple jobs ) there is not always time to spend 5 minutes going through an automated system and then explain the situation to a representative who says they will do what they can, but that this is how the system works. The system needs to be remedied so that simple directions can be followed on the written checks and applied correctly, making it no longer necessary for multiple calls by the consumer. Further this even helps the company as they do not have to call or email about delinquent accounts that are actually not delinquent.

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 2016-10-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Since filing my first complaint # XXXX, Wells Fargo has started foreclosure on my house, yet they are the ones that could n't modification paperwork correct. After 31 months they can not get the description right. In the meantime my credit is destroyed from their reporting I 'm not making payments. They are trying to sell the property based on the description that is wrong and will be giving a mortgage based on an incorrect property description.

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 2016-11-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: WA

Complaint narrative:
I traded in this vehicle with a auto dealership, signed all of the paperwork, got my new car and they never paid off the loan after taking ownership of the vehicle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I contacted Macy 's and requested a goodwill adjustment of their credit reporting. I have been a customer since XX/XX/XXXX and have only had three months of past due status. All three were in XX/XX/XXXX. I continue to be a customer with 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 explanation
Consumer complaint received 2016-05-21 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 CFPB, I 'm writing to you in the hopes that you can help me resolve this issue with Citibank. On XXXX XXXX, 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer of XXXX XXXX XXXX Miles in exchange for opening a CitiGold account, scheduling two bill payments, and spending {$1000.00} from the newly opened account. By XX/XX/2016, I fulfilled the terms of the offer. On XXXX XXXX, 2016 at XXXX PST, I called Citi and confirmed that I fulfilled all of the terms and will be receiving my bonus. On XXXX XXXX, 2016 at XXXX, I made a 2nd call to confirm my eligibility and that I have met all the terms. " Yes, you are eligible and have met all of the requirements. Please wait 60-90 days from the day you fulfilled your requirements for your miles to post '', I was told. On XXXX XXXX, 2016 at XXXX PST, I made another call to Citi to ask where my miles were. " They 're coming, you will receive them no later than 90 days from the time you met your requirements. '' On XXXX XXXX, 2016 at XXXX PST, I made another call to Citi to ask where my miles were, at which time they informed me that I will not be receiving my bonus because I was not eligible, and that they will start an investigation for me and that I will hear back no later than XXXX/XXXX/16. On XXXX XXXX, 2016 at XXXX PST, after not hearing back on XXXX/XXXX/16 as I was told, I made another call, to which I was told to sit tight until the investigation was finished. On the morning of XXXX XXXX, 2016, I was told by an email that the investigation was complete and that I was not eligible despite what the previous reps have told me. On XXXX/XXXX/16, at XXXX PST, I made a call and asked for a supervisor. The supervisor, XXXX, was very curt in telling me that I was not eligible and should have saved the mailer with the promotional code that I signed up with. This was after me informing him that I called twice in XX/XX/XXXX to confirm my eligibility and thus had no reason to keep the mailer, to which he responded " I do n't know how you deal with your mail but an organized person would keep all of the mail of a promotion. '' Citi has strung me ( and doubtlessly many others, seriously, with the way Citi is treating me, I have no doubt there are tons of people filing a complaint as well ) along for more than 3 months now. I have fulfilled my end of the bargain, and have received multiple assurances that that is the case, it is time that Citibank honors the deal that I signed up for.

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 2016-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I signed up for a Citigold checking account during a promotion where XXXX XXXX XXXX miles would be awarded if I did XXXX bill pay in two consecutive months and made {$1000.00} in debit card purchases with the Citi debit card within 60 days. I received confirmation over the phone with a Citigold representative when I met these requirements and was told to wait 90 days for the miles to post to my XXXX account. This bonus never posted, so I asked a Citigold representative to manually post this bonus to my account, but they now claim that I was not targeted for this promotion, even though I was confirmed when I first opened the account. Claiming that I first qualified for the account when I signed up and then later claiming that I was not qualified is not acceptable as a marketing practice.

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 2016-01-23 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I am continuing to receive information from Citi despite cancelling the account several months ago. The account was closed in good standing and balance is paid in full. My complaint is the following Citi is violate federal privacy laws by maintaining my personal information in their company database. 
Citi and their affiliates continue to harass me by sending spam postal mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-17 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Several months ago I received an unsolicited credit card from Citibank. I NEVER activated the card.I went to COstco to pay my fee by another means and was told I could n't becasue Citibank had already billed me. 
I cancelled my Citibank card but was never able to get the charges removed. 
They also charged me a late fee and interest even though I had cancelled my card before the payment was due. Citibank took the extra charges off my account but i was still forced to pay the annual Costco fee before I was able to close the Citibank account. 
I live in California and thought that consumer protection in this state was having to activate I

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 2015-12-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2015 my card was stolen. Charges were flagged as fraudulent by a representative in the fraud department. I assumed all was resolved and I received a new card. I used the new card until being called again by the fraud department. At this point I cancelled that card and a XXXX card was issued. XXXX stolen cards show {$0.00} balances when viewed online. So I assumed the fraud was handled. I attempted to add in the new credit card to my online account to no avail and never recieved a statement. I called a half dozen times where I was rerouted to XXXX customer service and no one could access the account of give me any details relating to what was owed etc. On XX/XX/XXXX I finally reached someone who advised me that the fraud has not been removed? It is on the new XXXX card and that the payment is past due even-though I am on auto pay. I am being told that it was reported as late. They will not send a statement since the account is flagged for fraud? Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-11 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was on XXXX on XX/XX/2015 looking for airline tickets when it popped up that my airline ticket would be {$160.00} and that if I apply for an XXXX + XXXX credit card I would instantly get {$100.00} dollars off making it {$60.00} instead. I clicked on the credit card link and it gave me XXXX options : the XXXX + XXXX credit card or the XXXX + Citi credit card. I applied for the XXXX + credit card. I have excellent credit. I was told I was approved and would get my card within 7 days in the mail. I called CitiBanks who said that did n't know why it did n't give me an instant access code but that there was nothing they could do now. I told them to cancel my credit card then but they did not and told me to call back in 48 hours and they could give it to me then. On XX/XX/2015, I called back and they told me that there was still nothing they could do and they could not give me my card number over the phone. I again asked them to cancel the card as I really did not want to wait 7 days to get the card in the mail as I was promised instant prior to applying for the credit. And they canceled it. I am reporting this because I feel that I was scammed and lied to. I would never have applied to the card if I had been told up front that it would take 7 days to get the card. I am very upset with the way I was treated. Citi banks and XXXX both were misleading. I now am 3 days delayed in buying airline tickets so I may not get as good of a selection and they will be more expensive. I am letting you know so that this type of scam can be prevented in the future. I should never have been treated this way and others should not be either. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My Macy 's bill was due XXXX XXXX. By XXXX XXXX I received XXXX phone calls. The first call was at XXXX and the last call was at XXXX. On Sunday, XXXX XXXX I received another call at XXXX XXXX. On Monday, XXXX XXXX, received XXXX more calls in the afternoon hours between XXXX. On Tursday, XXXX XXXX, I received another XXXX calls. XXXX at XXXX and the other later in the afternoon.on Wednesday, XXXX XXXX I received XXXX more calls, the first coming in at XXXX and the last at XXXX. On Thursday, XXXX XXXX, I received a total of XXXX phone calls. The XXXX call was at XXXX. After which, I went online and made a partial payment to try and subside the calls. I continued to receive the for calls after I made the partial payment. Later that evening when I got off work, I called and complained about the harassment. They made a note in my file. There was no apology, just blaming the automated system they have. I can understand calling a person once a day after there bill is late, but only being late by a week should not substantiate nearly XXXX calls in that week alone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Upon looking into my credit report I discovered I had a debt for Home Depot " THD/CBNA '' with a debt of {$370.00} from XX/XX/2005 and I still have the account and my account is up to date.

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