vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-03 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Citi is sending me an unrequested, pre-approved credit card in the mail. I never asked for it. I did n't want it. But, when I called them to tell them not to send it, they said it was coming anyway. 
XXXX I thought credit card companies were forbidden from sending credit cards to people who did n't request them. How can they do this? 
The problem started because I am a XXXX member who has an XXXX through XXXX. When XXXX said the were going to stop partnering with XXXX, I called XXXX. XXXX said that they would not send a Citi card unless I requested it. But, as you can see from the attached XXXX/Citi mail, they are sending one to every XXXX cardholder whether they wanted one or not.

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 2016-10-23 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2016, I attempted to pay my credit card bill online. The Closing date on the account was XX/XX/2016. Online, I was told that there were " technical difficulties '' and I could try later. XX/XX/XXXX and XX/XX/XXXX are XXXX holidays so I can not " try later ''. I talked to Customer Service via " Chat '' who repeated that there were " technical difficulties '' and I should try later. I repeatedly asked if there was another way I could pay and did not receive a response to my question. I telephoned and the voice mail system was likewise malfunctioning. I should not have to pay late fees and interest if the Bank makes it impossible for me to pay my bill

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 2016-07-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I keep receiving phone calls everyday because the secured credit card balance is over the limit by {$4.00}. The minimum payment is due on XXXX XXXX, 2016 and it reflects the minimum payment plus the overage amount which totals {$29.00}. I 've been receiving phone calls everyday since the new bill cycle began on XXXX XXXX, 2016, but the bill is not due yet.

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 2015-07-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
i was in XXXX my card was stolen and used i sent proof and disputed the full balance and they only credit a little amount not the whole balance i keep calling and getting the running around and am sick and tired of it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX/XXXX/15 I checked my credit report. There was an adverse account from Sears/CBNA that I knew nothing about. I called the number on my credit report and was told they could not tell me anything about the charges on my account. I was given a different number to call. They also could not tell me anything about the charges but said they would mail me statements. I called back on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was always told they were mailing statements. I received nothing. When I called back XX/XX/XXXX, I was told that they could n't find the statements! They would mail me a form to fill out requesting an investigation. I thought I had requested an investigation on XXXX/XXXX/15. 
As of today, XXXX/XXXX/15, I have received nothing. I called back today, was bounced to XXXX different numbers, put on hold by XXXX for XXXX minutes, XXXX for XXXX minutes and told by XXXX that there was nothing she could do, that no supervisor was available and someone would call me. 
I have submitted two disputes with XXXX. I spoke with a supervisor today who said they ca n't request documentation for a write off on someone 's account. He suggested I speak with the creditor! I have been struggling with this for XXXX months and do n't know who else to speak with. I would appreciate any help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter from citi bank saying I was eligible for a credit card with 0 % for 21 months then 12.99 % after that. the invitation number was XXXX..it said i could apply on line for fast response, which i did. when i received my credit card in the mail, citi bank changed my interest rate to 22.99 %. i called citi bank and they said they would forward my complaint to the proper department and i would receive a response in about two weeks. i received the response from citi bank today in a letter dated XXXX/XXXX/15. they refused to give me the 12.99 % originally offered and accepted by me. I have not activated or used this credit card due to this issue. I consider this a bait and switch tactic that is unlawful. I want the credit card at the 12.99 % originally offered to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
they froze my line of 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 non-monetary relief
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX XXXX, 2016 I closed my Citi ThankYou Premier account. The auto-generated message said that I will have 60 days from the date of closure to redeem ThankYou Points. I have called to inquire about the rule since I had an open Citibank ThankYou Prestige card under the same account. I was told that since points were transferred to another current account I have 90 days to use whichever points were earned on the closed account and given that the points are pooled I will see a message under 'my summary ' with exactly the number of points I have expiring and when. I have checked on XXXX/XXXX/2016 and there was no message alerting me of points expiration. Today I have logged in to redeem the points for a flight and I see that XXXX ThankYou points are gone from my account : 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 2016-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XX/XX/2016 : Citibank promised me a {$400.00} bonus for opening a checking account. XX/XX/2016 : Citibank reneged on this promise. XX/XX/2016 : I filed a complaint XXXX CFPB. XX/XX/2016 : Citibank promised to pay bonus on or around XX/XX/XXXX XX/XX/2016 : Citibank again XXXX on promise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I have a Best Buy/Citi Card. I was 3 days late on a {$25.00} payment, they charged me a late fee of XXXX. Since then they have been calling me from an automated service 3-6 times a day, even Sunday.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-19 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a Citi Dividend card and a City Thank You card. They both provide rewards points. Shockingly, despite promising rewards points, Citi Cards actually cancels all those points, effectively stealing them from their customers, after only a year. The catch they have created is that you must accumulate a minimum of {$50.00} in order to be able to cash them out. Unfortunately, I can not spend enough to accumulate {$50.00} in rewards points in less than a year. So, Citi Bank effectively steals the money they supposedly rewarded me with after only a year. This is in effect false advertising, because these are no rewards points ; these are temporary incentive points to try to force you to spend more. And if you do n't, the bank simply steals the rewards they claim to have rewarded you with. I am not aware of any other credit card provider that have the same catch-22 policies to cheat their customers out of their rewards 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 non-monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I used my Citi Bank Credit card for a charge to XXXX XXXX XXXX XXXX/XXXX/2016 for a vacation package. The cost was {$4000.00} and I put {$2000.00} on my creidt card for a downpayment. The vacation club office person gave me a flash drive with all the signed documents and refused to give me a written copy of the agreement. I did in fact go back to the motel and tryed several differant times to open the flash drive with out any sucess. I called the XXXX on XXXX/XXXX/2016 to inform them I want to cancel my contract right now and a full refund issued to my credit card. The lady repersentive assured me she was going to cancel my membership and a refund would be issued. On XXXX/XXXX/2016 a lady from the XXXX XXXX called me and I explained to her I canceled my membership the day before cause I decided to do so, she said I see here on the computer where you membership is canceled and a refund of {$2000.00} has been issued. I have been in contact with my Credit card company CITI Card and they have refused my charge back claim. I am demanding a full refund of {$2000.00} be put back on my card plus anyother charges and interest CITI Card has charged me for 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 2016-08-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I requested to file a dispuite for charges to a item I ordered and never received. The merchant sent a different item than I ordered, and was giving me the run around. Citi refused to open a dispute stating they ca n't because I have the item. But the fact remains I do n't have and never had the item I ordered. So after refusing to dispute that I disputed the charge in difference of the price when I checked out. It was {$79.00}. I was billed {$86.00}. After numorous phone calls, and being told I had to wait to file a dispuite for the charge of a shoe I ordered, and never received till the other dispuite was done. Then I could. So after Citi refunded the amount they charged over the purchase price I called back once again, and now being told I can only open a dispute once. So they took my legal right away when I first called, and refused to file a dispute for the full purchase, witch is what I first requested! After asking to talk to a supviser she just repeated herself over, and over being very rude. I then called back to file a complaint for poor customer service, and was told they are to busy, and will call me back monday morning. They never called. So I called again and was told once again they will call me Tuesday morning. Citi customer service is very poor, and down right illegal.

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 2016-02-13 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
i was asked to sign up for a credit card in Macy 's in XXXX. i gave the cashier my info she gave me a slip and the merchandise charge was on the card {$26.00}. i did not recieve a bill nor the card so 3 weeks later i called Macy 's to pay my bill and let them know that i did not get the card. i gave my account info got a confirmation number and paid it by phone. today i called to cancel the card because i did not receive it. The rep told me that i have a balance she said that the payment did not go through. I gave them correct information. She wants me to pay about {$95.00} due to late fees. This is bizzarre, it makes no sense. is this really a credit card or is it a hoax. this is the number i called Macy 's Credit Customer Service XXXX the cashier gave slip which i still. my confirmation number for my payment which was on time 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 monetary relief
Consumer complaint received 2016-07-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
We have been a member of Citi diamond preferred card for 11 years. We have over XXXX points on their reward system. We cashed in our rewards on another card today with similar points and it go applied to straight gift cards. Their system ONLY allows on ALL gifts to get a discount of XXXX % or XXXX % and you have to pay the difference for that gift card. So if it is a {$100.00} gift card it will cost me $ XXXX-XXXX out of my pocket and will only get the use XXXX or XXXX of my points. That is a scam! Statistically I dont have enough money to ever get these points back that is a total scam and I want to have just a couple normal gift cards or money tom reduce my bill. No other credit card is doing this and again there is no way to get back what I am owed. Please 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 monetary relief
Consumer complaint received 2015-07-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Sears should have protected me against the fraudulent use of my credit card and failed to do so. 
A company charged my credit card without sufficient authorization. 
The company said1. I would not be charged even if my insurance company paid nothing. 
2. Then they said that my insurance company paid for it. 
Neither of these XXXX things were true. I found this out because the company charged me anyway. 
I disputed the charge and Sears Master Card denied my claim. In denying my claim they failed in their obligation to protect me from invalid charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I never received the bills from Best Buy credit card, and therefore was not aware of the payment dates, once I was contacted by phone I learned of the issue and submitted payments immediately, and have paid the balance in full. However, the missed payments have placed a bad mark on my credit report, and as I am a young father of XXXX children who is preparing to purchase a home that is dramatically impacting my life. Please remove these bad marks from my record as I never received the bills.

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 2015-06-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
We had a Macy 's Store/American Express Credit Card and I had a purchase that I had made in later XXXX, 2015. The billing came due on XXXX/XXXX/15 and I had forgot about the purchase. I was paperless for the credit card, but never received an email or notification until the account was over 30 days past due and they had sent the card to the credit bureau. I as so angry as I had not had a late charge on anything for over 15 years. I am sure it has messed up my credit score. The lady at the card company just brushed it off saying that its not their responsibility since I made the purchase. I asked about the emails and she said they were sent. However, I never received XXXX email. They were rude and were not willing to do a thing. I have paid off the billing and have since closed the card and will never again open a Macy 's Charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Lending Club Corp
State: CT

Complaint narrative:
This is a XXXX bill from at least 2 years ago. XXXX started sending my past due statements to my ex-wifes parents house where I have never lived there and she has n't lived there in over 15 years. They continue to call my cell phone every day at least 5 times a day. They called me 7 times today from unknown caller within a 8 hour window. I have told them to stop calling and just sue me if they want because I do n't have the money.

Company response to consumer: Closed with explanation
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: NY

Complaint narrative:
On XXXX/XXXX/16 I applied for a Citibank Citi Gold Account over the telephone. During the process, I provided a promo code that I received that would award me XXXX XXXX XXXX once certain requirements were met at a specific time. I was informed by the Citibank agent that I qualified for the promotion and that once I completed the requirements, I would get the XXXX XXXX. I 've aleady met the requirements. However, Citibank is denying me the miles as they now claim that I was not " targetted. '' I understand that Citibank records all conversations and that my application over the phone was indeed recorded. I went ahead and opened such account with the promise that I will be awarded miles once I completed their requirements. I did my part, now is up to Citibank to do theirs and honor what they said.

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 2016-02-23 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On or around XXXX of XXXX I was conducting some regular banking at my Citibank branch on XXXX XXXX in New York. The branch manager recommended a credit card to me that call " double cash ''. His sales pitch was that I would receive 1 % cash back on all purchases at the time of purchase AND I would receive 1 % cash back at the time I paid my credit card bill. After six months of using this credit card I had built up, accounrding to my statement, a rewards point balance of approximately XXXX points with a cash value of around XXXX dollars. On or around XXXX of XXXX my card suddenly stopped working. After calling the bank I was told my account had been closed. No reason was provided. When I asked about the XXXX dollars I was owed I was told I was ineligible because the account was closed! This bank should be allowed to close any account they want. That is their right under the agreement. They should, however, be compelled to pay any money owed to me under the agreement.

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 2017-03-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citibank charging non-authorized fees to checking 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 explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Home depot credit card lowered my credit limit due to inactivity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I noticed a fee charged to my best buy credit card as Debt protection. I only use this card for large TV purchases and have the account set up on paperless billing and automatic payments so I rarely view my statements. I contacted Best Buy regarding this charge and that is when I was told that it has been on my account since XX/XX/XXXX when I opened my credit card with them. I advised them at the time when I opened this account that I do n't qualify for this services because I am considered self-employed as an independent contractor and declined the protection. I worked as an independent contractor from XX/XX/XXXX to XX/XX/XXXX. I believe that they falsely enrolled me into a services knowing that I did n't qualify for there benefits and by them enrolling me into paperless billing is an easy way that this charge goes unnoticed. There were numerous months were I did n't have an income since I was an independent contractor and work was slow I was n't given any information that these benefits I am extremely upset that I trusted this company that they would n't steal from me. I have since requested proof of my acceptance of this service and a full refund of all monies charge to my account. It is unclear how much I have been charged over the years since I do n't have access to view older statements online and I have always been enrolled in paperless billing. However if they charged my account without permission I have little faith that they will correct these matter to my satisfaction. If I have too I will seek legal action.

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