vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-10 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: TX

Complaint narrative:
my bank was levied suddenly and it was until then that I realized I had been sued. The debt was from sometime in XX/XX/XXXX-XX/XX/XXXX, the judgment was left at my mothers address, which I did use at one point as a mailing address, however, I had not received any further communication since then. I received a notice from post office for a certified letter from " XXXX & XXXX '' but it was by COD and because I did not know who that was from I did not pick up. I requested a validation of debt, they sent me the alleged creditor and amount, however, I do not recognize any of it. The alleged original amount is about {$2000.00} and now they 're saying I owe about $ XXXX. What are my rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I deposited {$15000.00} with Citibank for a new checking account. I was registered for a sign up bonus of {$400.00}. The only conditions were that I deposit {$15000.00} in the account within 30 days and that it stayed in the account for 30 days. After that, the account must remain active for 90 days to qualify for the bonus. They accidentally closed my account after I had had the original {$15000.00} deposit in my account for 40 days and are now telling me since I did n't keep my account open for 90 days that I do not qualify for the bonus. They have made no steps to rectify. I received a letter saying " I '' closed the account and therefore do not qualify. But I spoke with multiple associates over several hours and each one them confirmed that this account was closed by Citibank accidentally and they would try to research what happened. But their research came back with the excuse that " I '' closed the account, when they very clearly stated they had made a mistake by closing my 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 monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I intended to pay of CITI CREDIT COSTCO in full so a check, along with the statement, for the amount of XXXX was sent on XX/XX/2016 to cover the full balance. 
The check was received by CITIBANK and cashed but the bank has been unable to process it appropriately and post it on my account. 
Since XX/XX/2016, my calls, faxes, and email to the customer services have been worthless and without result. The main issue here is that my money is being held for no reason ; and at the same time late fees and interests still being charged. 
I do n't see how this issue is going to end since the customer service is not responding.

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 2017-03-13 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Cards canceled my credit card without giving me any notice. The letter I got from them a week later was dated the day my credit stopped working. I was told by customer service the loyalty points I had accrued would be valid for 60 days but when I checked later on they were also canceled. From XXXX I have gone to XXXX point when I was told that I was welcome to use all of them before expiring 60 days after the card cancellation date. I have no debt, paid my bills on time and have very good credit.

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 2015-10-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I routinely schedule my monthly Citi card payment online ; I also routinely find that the payment I schedule for XX/XX/XXXX, on or about XX/XX/XXXX, is not in the system. So I schedule it again the day its due. This past month, I went through this process ( checking to make sure my original payment was n't in the Citi system ), only Citi charged my bank account twice, overdrawing it. I called Citi immediately once I learned about the second charge, and they assured me they would stop it. They did n't. They tried to charge my account two more times, and when I called again, they said they were " investigating '' and could n't stop their system from the repeated attempts. When I then contacted them asking to be reimbursed for the overdraft fees from my bank ( now {$100.00} ), they said that because I scheduled both payments ( because their system failed to show me my first scheduled payment ), they wo n't reimburse me ( they also did nothing to even attempt to stop their system from charging my account ). I 'm now out {$100.00} ( and I had to delay or stop other payments as well ), and they 're stonewalling me ; I could use some help. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-16 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: OR

Complaint narrative:
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX Filed Collection Charges with XXXX and XXXX respectively. On XXXX/XXXX/XXXX I spoke by telephone with XXXX XXXX XXXX, at XXXX XXXX XXXX. I let XXXX XXXX know that on XXXX/XXXX/XXXX Citi charged off my accounts and closed it. Citi reported the Charge Offs to all three ( 3 ) Credit Agencies, which adversely affected my credit status. On XXXX XXXX, Citi sold the charged off account to XXXX XXXX. I have never heard from XXXX XXXX, until their negative collection pursuits were reported to XXXX and XXXX. With this Double Jeopardy, my credit status hit a serious negative declination. And today with XXXX XXXX filing collections with XXXX, another severe blow was administered to my credit report of a negative XXXX points. My overall Score is now XXXX. With every reporting by Citi and XXXX XXXX, my credit score has gone down in the latrine. I want XXXX XXXX & Citi 's onslaught to my credit be STOPPED. Both Citi and XXXX XXXX should reverse the negative scores on my credit. I am exhausted, stressed and at a total loss what to do. I am a XXXX XXXX XXXX Veteran with XXXX, and is fighting a battle to get my health back. On XXXX XXXX XXXX the Department of Veterans Affairs certified me with a XXXX rating of XXXX. I seek immediate relief. Please help. Very Respectfully. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
IN BRIEF : Can a Credit card company issue you an UNSOLICITED credit card and begin issuing you bills? 
A few years ago I joined XXXX. At that time they issued me a XXXX credit card. In late XX/XX/XXXX I received my last XXXX bill of {$82.00}, which I paid on XXXX ( XXXX. # 5663 ). 
Throughout most of XX/XX/XXXX I received all sorts of mail offers for a Citibank/Costco credit card, which I did NOT respond to. Late in that year I received an UNSOLICITED " XXXX Anywhere XXXX Card by CITI, '' WHICH I DESTROYED. Late in XX/XX/XXXX I began being harassed by daily phone calls -- which continue to this day. 
In XX/XX/XXXX I SPOKE WITH A CITIBANK REPRESENTATIVE ( at XXXX ) AND MADE CLEAR THAT I DID NOT WANT THEIR CREDIT CARD as my ( non ) actions of the preceding months indicated. At that time the agent I spoke with connected me with XXXX ( at XXXX XXXX so I could cancel my membership with XXXX. 
Below is a summary of the bills I have received ( and not paid ) for a bogus credit card. 
Due date : XX/XX/XXXX for {$80.00} ( includes late fee of {$25.00} late fee ) Due date XX/XX/XXXX for {$110.00} ( includes {$37.00} late fee ) Due date XX/XX/XXXX for {$100.00} ( includes {$37.00} late fee ) IF THIS HAPPENDED TO ME THERE MUST BE MANY OTHERS SIMILARLY SCAMMED.

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 2016-12-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2017-02-23 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I accepted an offer through a public website ( offer code # XXXX ) promising a cash bonus for depositing a certain amount of money in my existing savings account and keeping it on deposit until XX/XX/2016. After completing all offer requirements and being told by multiple customer service representatives that I would receive the bonus " soon, '' it now appears that Citi does not intend to honor the offer. Written documentation of the offer and compliance with its requirements is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
I never have account with this company which XXXX XXXX XXXX XXXX Attorney freezing my bank account in XXXX XXXX. It happened also in 2009 when this same attorney freezed my bank account in different banks. After I filed complaint to the Office of Comptroller of Currency, he released all accounts. Even he knows that this is not my account but still he giving me trouble to freezing my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
In XXXX of this year, I opened a Citigold checking account using the promotion code XXXX. The promotion awarded XXXX Aadvantage miles upon completing {$1000.00} in debit purchases and one or more qualifying bill pays in two consecutive months within 60 days of account opening. A copy of the terms and conditions outlining the requirements and bonus is attached. 

I completed the requirements on XXXX XXXX, 2016 and sent a message via Citi 's online secure message system to confirm I met the requirements and will receive the miles. On XXXX XXXX, 2016 Citi responded saying I was enrolled in the promotion, met the requirements, and will receive the miles within 90 days ( by XXXX XXXX, 2016. ) A copy of Citi 's response is attached. 

On XXXX XXXX, 2016, I messaged Citi again to confirm the miles would be awarded by XXXX XXXX, 2016. They responded by refusing to award the miles as described in the terms and conditions despite previously confirming that I am eligible and will receive the bonus. The terms and conditions state I would receive the miles within 90 days ( which would be XXXX XXXX, 2016 ) and Citi confirmed I qualified for the promotion, but the miles still have not been awarded. I feel misled by Citi and believe they are not holding up their end of the terms and conditions of the account I opened.

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 2016-05-27 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX, Macy 's replaced my existing Macy 's credit card with a new store branded American Express credit card issued by Department Store National Bank, a subsidiary of Citibank. The previous card was sending e-bills to my bank. I do n't shop at Macy 's often, but there was a charge on the credit card for a total of {$99.00} on XXXX/XXXX/XXXX. I never received a paper bill at my mailing address, an e-bill at my bank, or an e-mail bill at the e-mail address in their records. Suddenly, XX/XX/XXXX, I got a letter from their collection department. When I called, they said they could mail me a bill in 2 weeks, but they refused to e-mail me any information. There was no way to get any information on line with my Citibank accounts ( even though Department Store National Bank is owned by Citi ), and I could n't get online access to the Macy 's card account separately. Basically, my choice was to pay the bill without ever seeing it and verifying that I actually made the charge, or let my credit score deteriorate while I waited to see what they would send. I was able to get customer service to eliminate the late fees and I paid the {$99.00} because they said if I did n't pay it right then, they would add back the late fees. They closed the account, which is fine with me because I 'm so mad I would have closed it anyway. But, I am very concerned about their reporting to the credit bureaus and my credit score. I pay my bills every month in full and have a FICO score in the XXXX range. This company should be required to send a bill before sending an account to their collections department.

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 2015-05-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been a credit card member from citi bank since 2011, over the past 6 months I have had issues dealing with the company after my card expired and it seemed impossible to get a new valid card. About 4 months ago I decided to not worrie about the card because I no longer wanted to use it anyway to reduce any extra dealings with the company. My account stayed open and I continued to make payments. Now 2 months ago I can not view my account ballance or make a payment online because the card number associated to the account is n't valid ( nor has been prior ) so I was cut off from accessing my account. I called the company and was told a new card was being issued and after being hassled and having to give my SS # as the only way to access my account over the phone they agreed to take payment over the phone. When doing so I made confirmed my mailing address to receive the card. This months payment rolls around, still no card, still no access to account information. I call again tell them the issue talk to a " specialist '' who reviews my account apologizes for the problem and states a new card will be arriving in 7-14 days. 
This morning I check my email and il there is a message from citi denying me a valid card for the account. I could care less for the new card however in doing so they are still cutting me off from making payments online or even access to account info. This company is setting people up for failure and profiting from it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have had a terrible and frustrating experience with Citibank dealing with what started as a billing dispute, but was later revealed to be fraud. They are now telling me that they will not help further, even though they acknowledge the fraud, because of how the dispute was originally opened by their team they will not protect me. In other words, their zero liability protection claims are false in this case. 

There was absolutely no way to know this was fraud perpetrated by scamming " business '' until after the dispute was opened. Therefore there was no indication at all that I needed to speak to their fraud team first. This is not noted anywhere in my customer agreement or in any of the documentation was received. 

Once the merchant provided their " proof '' of the purchase was the fraud discovered. They fabricated receipts and also forged my signature. At this point I contacted Citi again and followed all of their instructions. I even spoke with a security specialist who assured me that the fraudulent charge was being removed and I was not liable at all for it. He also closed down my account and issued a new card. 

Today they are telling me that they misinformed me and they will not offer liability protection. They made an offer of a {$250.00} credit which still leaves me out of pocket about {$500.00} for this fraud. They also made a completely unhelpful suggestion or working with the merchant directly, contacting local police, or even the better business bureau. And these suggestions were made while they clearly knew this fraud occurred while I was travelling out of the country. Not one of those suggestions was remotely helpful. 

I am beyond belief and in desperate need of help trying to not let Citi to allow the bad guys to win and to honor both what they told me and what is posted on their site about liability protection. 

Please assist!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-18 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have a credit card through the retail store Best Buy that I made a purchase on with 12 months deferred interest on my purchase. Payment was due XXXX XXXX in full or I would be charged the deferred interest charge. I did not get payed by my job and called to ask to have the due date extended, to avoid the charge and pay it off in full when I got paid. I was assured this would work, but the due date came and I was assessed a late fee. After this I contacted them again and was assured there would be no problems as long as I paid off the full amount within 6 days of the original due date, so I found the funds and paid it off the very day after speaking with them again. Then today I wake up, the deferred interest charges are now on my account, and they tell me that there is no way to remove them even though I was assured they would n't be charged in the first place. I took screenshots of the final chat I had with this company, and am just looking for advice on how to proceed seeing as they are unwilling to work with me anymore after lying to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi Banks has failed to open an account under the Fair Credit Reporting Act. Citi Bank has failed to transfer funds under the Electronic funds Act, from the XXXX to, Citibank N.A.XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Sir/Madam, I had a Citi Diamond Preferred credit card probably since XX/XX/XXXX approx. I went into financial problems in XX/XX/XXXX, and my debt at that time was for $ XXXX- {$15000.00} approx. Citi and I went into an arrangement where I have to pay the total of the debt with no interest for the entire term of the debt. We arranged a payment of {$250.00} per month with automatic withdrawal on the XXXX of each month. Even though I went over financial difficulties, I paid the credit card on time every single month for {$250.00} on every XXXX-XXXX of the month. XX/XX/XXXX, I changed my bank account ( XXXX accounts are XXXX XXXX XXXX ), and I forgot to inform Citi about this change, so when they withdrew the funds on XX/XX/XXXX, there were insufficient funds. Citi called me on XX/XX/XXXX, and I provided to them immediately my new bank information, and they were able to withdraw the funds ( {$250.00} ). After few weeks, I received a letter from City dated XX/XX/XXXX, where they informed that the payment arrangement has ended. Later I received my statement and noticed that Citi charged 27.99 % ( APR ) on this debt ( today the balance is only {$3000.00} - as of XX/XX/XXXX ). 

I called Citi today XX/XX/XXXX and Citi confirmed that the arrangement has ended and there is nothing they can do to reinstate the arrangement, and instead they will charge on this credit card 27.99 % APR. The employee that I spoke to was XXXX, Account Manager of Citi located in XXXX, Florida. As a courtesy she credited {$78.00} for one time ; however Citi will continue charging on this account 27.99 % APR. 

My complaint is based that Citi can not consider an arrangement breached because of a delay in the payment for 10 days that was unintentional. 

Sincerely, PC

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation