vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I signed up for a Citigold checking account in XXXX 2015. Included in this checking account was a sign-up offer for XXXX XXXX XXXX miles. I met all of the requirements for this offer within the required time period, and had this confirmed with a CSR. I was told that the miles would be given to me in XXXX. I contacted Citi multiple times due to the fact that the miles were never given to me. Every time, I was told an investigation would be opened and that I would be contacted within 2-3 business days. Every time, I was never contacted and the miles still have not been deposited.

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 2016-06-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Costco Wholesale Club has changed credit cards accepted from XXXX XXXX ( XXXX ) to Citi Bank XXXX XXXX. When I joined Costco, I was not given any choice as to the credit card I was required to have as the XXXX account was required to bill my membership. Recently Costco/XXXX opened an account with Citi in my name, forwarding all of my personal credit information ( name, date of birth, social security number, address ) to Citi without my knowledge or approval. 
Upon discussion with Costco, they informed me that when I signed the agreement with XXXX, it had a clause that allows XXXX to sell my information to any credit card company. When I joined Costco, I was required to get an XXXX account to join the club. Again, this was not my choice to open an account, but I wanted to have a Costco membership. 
When the XXXX bill for my Costco membership came to my home, I paid the membership fee to XXXX. A month later, I got a bill from CitiBank that had several transactions in the bill, and an outstanding balance of {$.00}. When I called CitiBank, they informed me that the payment was late. I immediately canceled the 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 monetary relief
Consumer complaint received 2016-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citigold account on XXXX/XXXX/16 online using promotional offer code XXXX. The promotional code promised XXXX XXXX XXXX XXXX miles after all requirements for the promotion were met. I met all requirements in XXXX 2016 and emailed Citi on XXXX/XXXX/2016 to confirm my eligibility and that I have met all requirements. A Citi representative replied on XXXX/XXXX/2016, confirmed that I had indeed satisfied all terms of this promotion and stated that I would receive XXXX XXXX miles no later than XXXX/XXXX/2016. On XXXX/XXXX/2016, I emailed Citi again to ask where the miles were. They opened an investigation to verify my bonus eligibility and promised to have an answer in XXXX7 business days. I made XXXX additional follow up emails to Citi on XXXX/XXXX/2016 and XXXX/XXXX/2016 with still no resolution on when my bonus miles would post. As of this complaint I have yet to hear back regarding this inquiry and have not received my bonus miles. I was told that they were still researching the issue and would let me know soon. During this time, I 've been charged $ XXXX monthly service fee as the account must remain open and in good standing to receive bonus miles. I would greatly appreciate your assistance in resolving this inquiry.

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 2015-12-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi should report both account ending in XXXX and XXXX with a {$0.00} balance to the CRA because the account are being handled by XXXX XXXX XXXX and XXXX. Citi is in violation of the FCRA, Citi is currently reporting chargeoff credit card account ending in XXXX with a balance of {$3500.00} and account ending XXXX with a balance of {$3400.00} to the credit reporting agencies. Citi advised me that accounting ending in XXXX is being handled by XXXX and Account ending in XXXX is being handled by XXXX XXXX XXXX. This is from my complaint XXXX with Citi responding XXXX. This was Citi responding to my complaint. 

" We have received your inquiries that were submitted to the Consumer Financial Protection Bureau regarding the validity of the debt on the above-referenced accounts. 

After reviewing our records we have confirmed that the debts are valid and we are providing you with monthly statements since the accounts were established that confirm the debts. The enclosed monthly statements reflect the date and amount of payments, credits, balances, and charges concerning the debts, including but not limited to interest, fees, charges or expenses incidental to the principal obligations that we are expressly authorized to charge by the credit card agreements. 

Our investigation indicates that your accounts were opened on XXXX XXXX, XXXX. After conducting an investigation, we have determined that you applied for the accounts online ; therefore, physical copies of the applications are not available. The amounts of debts as of XXXX XXXX, XXXX are {$3500.00} on the account ending in XXXX and {$3400.00} on the account ending in XXXX. Your last payments in the amounts of {$86.00} on the account ending in XXXX and {$80.00} on the account ending in XXXX were received on XXXX XXXX, XXXX. Please ensure that your payments of no less than the full balances are received by XXXX XXXX, XXXX. 

Our records indicate that due to the delinquency of the account, we referred the account ending in XXXX to XXXX XXXX XXXX for their handling. Any future correspondence in regard to the outstanding balance, as well as any payments, should be directed to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, CA XXXX. Their phone number is XXXX XXXX XXXX XXXX. The account ending in XXXX was referred to XXXX XXXX XXXX and any correspondence regarding this account can be directed to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. Their phone number is XXXX XXXX XXXX XXXX ''. 

Sincerely, XXXX XXXX Executive Response Unit XXXX cc : Consumer Financial Protection Bureau Case # XXXX Case # XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE *Our telecommunication number for our hearing impaired customers is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There was a transaction I used with my credit card and the seller sold me a blacklisted phone. I contacted Citibank. Let me tell you how difficult it was. I have call logs recorded showing I was on hold for 1.5 hours each time I called. Fine ok. I get it. Banks are busy. But when I finally reached someone, they XXXX English. I was transferred 3 times, with each transfer causing a 20 minute hold. Finally, when I reached someone to file a dispute, I had to wait 45 days. I did not hear anything from the bank. I contacted them to provide further evidence and they told me they did not need it. 45 days later, my request to dispute the transaction was denied. They did not have the proof I had and came to their own decision.

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 2017-03-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
When signing in with customer service representatives over the phone for auto payment they got my bank account wrong .after that because I was out of country and could not manage all accounts I got a late payment on my credit report.i never had any late payments ever.now this is affecting my score with bad impact.when I find out this I made a payment immediately but did n't help

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 2015-05-06 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
When I left my previous employer at the end of 2014, I had a balance on my Citibank work credit card of {$130.00}. Because I never received a bill from Citibank for this amount, I forgot about it. Three months later, I received telephone messages from Citibank. I investigated the issue, discovered what had happened, paid not only the balance, but also the late fees of {$9.00}. Citibank continued to call me, leaving automated messages. I returned their call again, and was treated abusively by a Citi employee, who claimed the post office must have failed to deliver the bills they claimed they sent me monthly. I informed them I had sent them a check for the full amount, including late fees last week. I asked that they not impact my credit rating, considering that they never sent me a final bill and I had sent in my payment. They told me they had already reported me to credit rating agencies, impacting my near perfect credit record. I was insulted by their employee 's behavior and the treatment in general. I do n't believe I have ever missed a payment before in years and years of using that card for work. I paid on time, every time. All I required was for them to send me a bill, and I paid each XXXX promptly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank removed all my points from my Thank You Rewards account. I earned points through multiple Citi Fwd credit cards, as they changed numbers throughout the years. 
I tried logging in to my account, but my login was denied. I then called Citibank, talked to supervisor XXXX, who is based in Kentucky with ID XXXX. He told me my account was closed and it was " inactive '', claimed Citibank " sent a letter '' saying my account would be closed, but was not able to say when the letter was sent nor had a way to track it. I told him I never received a letter or email or call or anything. 
He then offered to credit my account " in XXXX points, which is about half of the points ''. I rejected the " offer '', telling him that by accepting it I would be in line with Citibank 's actions, which I 'm clearly not. I told him I wanted nothing more, nothing less than the points I 'm entitled, which I earned by spending money on the card since 2009. 
There are at least a couple of cards that earned credits, ending in XXXX and 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 2017-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a home in California. It is a VA loan through Citimortgage. I feel like I have been given mis-information on several occassions. My home is now in jeopardy of foreclosure. I have asked for assistance in getting my loan modified. I realize there was recently a lawsuit involving Citimortgage, and I want to know if I will be included in the class action. " Citi 's subsidiaries gave the runaround to borrowers who were already struggling with their mortgage payments and trying to save their homes. '' I was sent information to complete in order to modify my home ... each time a modification was given ..my monthly payments were never lowered ... .recently I was sent a hardship package that I completed just to be told it was not received when I said i faxed it as well as sent it to the citi doc email- i was told it was not legible. I then received a letter stating i had till XX/XX/XXXX to return information ... .yet i just got an email from XXXX XXXX stating hurry up and return docs or my case will be closed without review. I am currently XXXX to a potential XXXX in XXXX and now my focus is on trying to save my home.

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 2017-03-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Mitchell Rubenstein & Associates, P.C.
State: VA

Complaint narrative:
The debt collector is NOT responding via mail to my efforts to discuss debts. A lawsuit was filed against me at a property I do not live in, after they were notified of my correct address. Ultimately a judgement was made, once again, without using any correct address. Not even the court used the correct address.. Now, in an attempt to discuss the debt, I find myself on perpetual hold with the companies phone-bank and after emailing and faxing them my correct address, I receive no mailed responses of any kind and no return phone calls when I 'm able to speak..

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 2016-11-27 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This complaint is about PayPal. I know that they had a settlement last year but wanted to alert you that they same issue that they were charged with then, just happened to me this past month. I 'd had a regular PayPal account that I used for years then suddenly this month, all of my regular purchases automatically went to a PayPal Credit account ( which I did not request or authorize ). I just contacted them, paid the balance on that account ( 1st time ever ) and closed the account ( I hope as they would not give me a confirmation number or e-mail ). Thanks for checking into this again, I 'm sure that this has some affect on my credit report, though hopefully not negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Health Services Asset Management, LLC.
State: CA

Complaint narrative:
This company, Health Services Asset Management, contacted me first on XXXX XXXX at XXXX and then XXXX XXXX at XXXX in relation to a debt presumably held by my mother, as that is who they were requesting to speak with. As I understand it, repeated attempts to contact a third party related to the debt holder is illegal and I would like them to cease all contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
The expiration date on a pre-paid card in my name passed and Citi Pre-Paid Card Services XXXX out the balance and will not issue a new card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I paid off my full statement balance before due date but I was still charged 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 2016-10-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Cititbank accepted duplicate deposits for a balance payoff. My account balance had a negative balance of over {$6000.00} dollars that I requested back from them. They held on to my money without explanation and repeatedly told me they would return it after 3-5 days ... ..and then another 3-5 days. Now I have to wait once 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 2016-03-28 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Macy 's New York accessed my credit report / file without my permission. During a recent deposition ( within last 6 months ) where I have challenged Macy 's for adding my name as a joint owner to my wife 's Macy 's closed credit account for collection purposes, I was provided with a screen shot of both my credit details and my wife 's credit details accessed by Macy 's on XXXX XXXX, 2003. I did gave Macy 's permission to access my credit details nor did I apply for a credit card with my wife. My wife visited the Macy 's Department store at the XXXX XXXX XXXX in XXXX, XXXX and requested an individual credit card. I was not with my wife at the time was working in XXXX at the time. Statements initially were only in my wife 's name but at a much later date, unknown to either of us, Macy 's added me to the account. This action has had a negative impact on my job search and I have sought legal action through the courts.

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 2017-03-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's has adopted a " minimum interest charge '' of $ XXXX/month - regardless of the balance due at the time interest is calculated. If the balance due is {$0.00}, for instance, the {$2.00} minimum would reflect a??? insane rate of interest. Does n't seem fair.

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 2016-10-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
After ( at least ) over a year of consistent, on time, payments to Citi Cards for my credit card, I was assessed as being two days late on my credit card payment XX/XX/XXXX. I have been charged {$27.00} for a late fee. I requested a waiver of the late fee, which Citi Cards has refused to grant. This seems highly unfair - other companies are willing to waive a late fee in situations where the customer has been consistent in making payments. I would like Citi Cards to waive the fee.

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 2017-01-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am working with consolidated credit to resolve this account. I received multiple phone calls to the point of harrassment from XXXX. They have called atleast four times a day almost every single day since XX/XX/XXXX of this year. They have also called me outside of the sanctioned hours, for example, at XXXX and XXXX this past XXXX, and per your regulations, the XXXX calling hours are XXXX EST ( my local time ). I will advise them they are harrassing me and I may pursue legal action if they continue, but I am filing a complaint.

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 2016-10-21 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I received a call from CITI bank telling me their fraud early warning system detected suspicious activity on my credit. The left the toll free number XXXX and gave me a reference number, XXXX. I called and was told the reference number involved recent purchases on my card. I told her I had no credit cards with CITI. She said one had been applied for this month. I said I had not applied for any card. 
She proceeded to ask for my social security number, date of birth and full name. I am very uncomfortable about that now wish I had not. But I also do not want my credit affected because I did not comply and the account remained open and charges are falsely reported to affect my credit rating. 
She insisted she had closed the credit card account, that a letter would follow, and a report would be made to credit reporting agencies. 
I assume this was all legitimate, hopefully, but I am irritated at the approach CITI Bank uses. They really do not need confirmation of my social security number and birth date to help them close this account. At a minimum, they could read off my social security number and birth date and ask for confirmation. At least under that approach, I would know they already have that information, whoever they are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have had a Macys credit card for several years. Every time I charged purchases it was paid in full on time. XXXX 2014 I lost my job. My mother paid my Macys bill in the store. She did not realize there was a {$35.00} late fee. Thinking the bill was paid I was surprised when I was told I owe over {$200.00}. They are charging {$35.00} every month on the {$35.00} late fee plus interest. My mom says that is illegal and that I should contact this agency. Both my mother ( with my consent ) and myself have spoken with them to no avail. It has go into a collection agency seeking {$220.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
I am willing to settle the debt at {$10000.00} under a 24 month payment plan of {$430.00} per month beginning on XXXX XXXX, 2016. I have been paying {$250.00} per month for the past 14 months. XXXX had previously offered to settle at {$15000.00}.

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