vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On my XXXX XXXX credit card were additional charges outside of the one I had made to fly to XXXX. A few months after arriving in XXXX, I had noticed these additional charges and disputed them first with XXXX XXXX, who after a month refused to do anything. Then I disputed with CitiBank. I was told the time would XXXX days until a dispute decision was made. 

I never received an update. After contacting CitiBank, I was told that the dispute had been resolved and I would see a credit of XXXX on my statement. 

The statement was posted, but no credit was received. I contacted them again, I was told on the next statement date. Which would be XXXX/XXXX/2015. Now it is XXXX/XXXX/2015, and I have checked the statement, and there is still no credit. I contacted CitiBank again, and was told to wait until the next statement. 

Every month, I am being charged interest on the total amount I owe plus the XXXX. This is illegal what they are doing. They need to go back and refund all of the interest paid, and the XXXX to the balance of my account. 

A complaint is also being filed with the Attorney General and the Federal Trade Commission. 

I have copies of all of the chat transcripts and documents sent and received. 
Chat Transcripts, Unauthorized Charge Affidavit and Letters, Statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.

Complaint narrative:
I have been a XXXX XXXX XXXX for over 20 years. Throughout this entire period I have used credit cards issued by the bank. Since I do not reside in the United States, I have always asked my banker, XXXX, to pay my credit card statemetns with funds abailable in my account. Every month she send me copies of the statement and I give her a direct order to liquidate the outstanding balance. On the beginning of XX/XX/XXXX, XXXX informed that I had a credit card debt to pay given my expenses throughout the month of XX/XX/XXXX. I asked her directly in writing and over the phone to liquidate the debt. XXXX refused to, as per my explicit instructions, pay the debt outstanding, even though there were, and are, more than sufficeint funds to cover the amount due. I have asked her to provide an explanation, preferably in writing, as to why I am unable to use my account. Since the early days of XX/XX/XXXX, when we first discussed this issue, XXXX has not yet provided me with a clear explanation as to what is happening to my accounts. I have asked if my accounts are frozen to which I have not receieved any reply. XXXX has asked me for a wide assortment of documents which I have dilligently provided but I am still unable to access my accounts in any way, and, what is most troubling, have not received any kind of response. I fear that with an unpaid balance I could suffer deleterious effects to my credit score, not to mention the XXXX penalties and interest rates I will have to pay. Furthermore, this is my retirement money. I am suffering from terrible anxiety because I do not have any idea what is happening to my accounts and I have no idea what I can do to remedy the situation.

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 2015-10-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I WAS NOTIFIED BY XXXX RADIO THAT THEY WERE RENEWING MY SUBSCRIPTION OF MY XXXX RADIO 'S I THINK TIS WAS IN XXXX XXXX. I CONTACTED THEM INDICATING I DID NOT WANT TO RENEWAL MY SUBSCRIPTION..THEY GAVE CONFERIMATION OF THIS ACTION I LOST THIS INFO. THEN MY CITI-CARDS AT & T UNIVERSAL CARD WAS BILLED {$370.00}. I CONTACT XXXX ABOUT THIS ... ..THE REP SAID HE WAS GOING TO GIVE ME A SPECIAL BUNDLE FOR {$120.00} FOR ONE YEAR PLUS REPLACE MY LIVING ROOM RADIO.. HE TOLD ME I WOULD GIVEN A CREDIT XXXX. I WAITED SEVERAL WEEKS ... I WAS TOLD AT & T UNIVERSAL CARD THEIR WAS NO CREDIT GIVEN ... ..I THEN FILED COMPLAINT WITH THERE BILLING DISPUTE DEPT ... ... I REC 'D A LETTER FROM CITI-CARDS ON XXXX XXXX, 2015 THAT THEY REVERSED MY CREDIT BASED ON INFO FROM XXXX ... .THEY MATERIALS THAT USED WAS MADE NO SENSE ... I HAVE BEEN FAXING AND SENDING LETTERS TO CITI-CARDS XXXX. XXXX XXXX XXXX, SD XXXX. I HAVE BEEN DEALING WITH XXXX XXXX ... SERVICE SPECIALIST..HER PH XXXX..THE DISPUTE PHONE # IS XXXX ... FAX XXXX HAVE HAD THE AT & T UNIVERSAL CARD SINCE WHEN AT & T CREADED THE CARD WHICH IS OVER 20 YRS . XXXX XXXX IS A VERY CORRUPT COMPANY..THEY HAVE BEEN FINED BILLIONS OF DOLLARS OVER THE YRS BY FTC. IT SEEMS XXXX XXXX TAKES THE WORD OF CORRUPT ENTITY WITH INSUFFICENT DOCUMENTATION. I TOLD XXXX XXXX GO TO FTC.GOV IN ORDER TO FINE OUT HOW MANY COMPLAINTS HAVE BEEN FILE WITH FTC.IT SEEMS CITI-CARDS HAVE BEEN VIOLATING SOME FEDERAL OR LAWS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am a Citi credit card customer for more than 7 years. I made a credit line request from online account on XX/XX/2015. The request has resulted in a Hard inquiry on my credit report. The credit line increase with citi card has always been a soft inquiry for me in the past. I contacted customer service and they informed me that the online credit line increase requests are hard inquiry and the credit lime increase requests over the phone are soft inquiry. However, the website does n't mention any disclosure or notification while I was making the request. The representative asked me to fax or mail the Citi Bankcard Credit Bureau Dispute department.So, I faxed them on XX/XX/2015 explaining my case but I did n't hear back anything for more than two weeks. So, I contacted Citi customer service again as there was no way for me to contact their credit bureau department via phone. This time I asked to be connected to a supervisor. I had to explain my case all over again. After listening to my case supervisor told me that either online or over the phone it should have been a soft inquiry and the customer is always asked if it will be a hard inquiry. So, she assured me that this hard inquiry will be removed and she has escalated it to the Credit Bureau department. 
I received a letter dated XX/XX/2015 and Case no. XXXX stating they are unable to remove the inquiry from my credit bureau report but there was no explanation on why it can not be removed or why it resulted in a hard inquiry. 

Citibank should be transparent in their policies across platofrms ( i.e. phone or online ). Also, they should properly train their representatives as I got different information from thecustomer service agent and the supervisor. Lastly, they should value customer 's time as I had to call multiple times and explain my situation all over everytime.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I did a kitchen remodel with the home depot, the designer told me I could open a home depot credit card interest free for 24 months. My interest free promotion ended in XX/XX/XXXX. I have my credit card on autopay, as I do all my bills as not to miss a payment. The autopay on XX/XX/XXXX was 7 times the usual amount so I looked up my account and saw that they added XXXX in interest to my balance of XXXX. After the shock I called them, furious, no warning from them about this and was told it was deferred for 24 months and had it explained to me. I wish it was explained to me when I signed everything for my new kitchen. I had a citi bank card and an XXXX with o % promo balance for 12 months. The difference should have been explained, The home depot I went explained none of this. That deferred feature should have been pointed out, That is not truthful or fair business practices. The home depot customer service rep I had on the phone asked if i signed the contract, yes I did along with the kitchen remodeling contract, there were many papers and I trusted my kitchen designer at the home depot to disclose something as costly as this, he knew I was on a tight budget and we kept changing materials etc to lower costs, This can not be legal. I would like that interest reversed and I will pay the balance in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XXXX XXXX, I purchased a refrigerator from the sears online outlet. The cost of the refrigerator was {$1400.00}, the fee to deliver the refrigerator was {$380.00}, I also purchased a protection agreement for the refrigerator for {$490.00}. All of the charges related to the purchase of this refrigerator, total {$2300.00}. All of the charges were processed and I have been billed for them on my Sears credit card, but the refrigerator was never shipped and therefore, I never received it. 
I have called the outlet store in XXXX, Michigan ( XXXX ), that processed all of the charges, but failed to ship the item, multiple times. I have called the bank that manages the Sears credit card, multiple times ( XXXX ). I opened a dispute with the bank that manages the Sears credit card, and I have finally received a credit for {$1500.00} for the purchase price of the refrigerator, including tax. And I have finally received a credit, for the {$320.00} delivery fee, that I was charged for delivering that same refrigerator, that was never delivered. But the dispute was closed without giving me credit for {$490.00}, for the protection agreement that I purchased to protect the refrigerator, that I never received. I have nothing to protect! 
I do not have the refrigerator, a credit has been issued for the refrigerator. Because the refrigerator was never shipped. 
I have been credited for the delivery fee, since nothing was delivered. 
For some reason, Sears and the bank that manages their card, continue to bill me {$490.00} to service a product that I do not have. I need to be credited for the protection agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX was discontinued at XXXX ( a cashback card ). In its place, I was issued a Citi Business card ( also a cashback card ) I wanted to get a second user card for my daughter to have her own card ( She already had a XXXX card ). The day I received the new XXXX card, I called XXXX to make the request. A card was received. It was the Citi XXXX card ( mileage benefits ) not the Business card ( cash back ). I called XXXX & was told I had to go to XXXX for the card to be issued. XXXX told me to go back to XXXX. XXXX took all the information & said a card would be sent. I waited. A card was not received. I called again ( maybe twice ) I believe it was Thur XXXX when I spoke to a woman who told me the card would be expedited & I could expect to receive it Tuesday XXXX. I received an email confirmation. Then, because the delay cost me cashback, I spoke with XXXX in AZ, ID # XXXX. The issue was the cash the delay had cost me cashback credit. XXXX promised a {$100.00} credit. Today is XXXX the card has not arrived. I just spoke with XXXX in AZ, ID # KYT XXXX. I was told only {$10.00} added to my cashback was the only benefit I would receive to compensate for the time, money & aggravation caused by misinfomation and incompetance by XXXX 's Customer Service. I believe the cashback earned by my daughter 's purchases would have been more than {$100.00} but, out of frustration, I accepted the settlement. My conversation with XXXX was VERY unsatisfactory. He told me that the card had been sent by regular mail on Fri XXXX and he could do nothing about increasing the cashback credit. No courtesy call or email from Citi to let me know about the delay or the minimal credit was made. XXXX was adamant in saying that Citi has millions of customers & could not accommodate my request. That number of clients is great but how about a Customer Service entity to be knowledgeable & efficient & TRUTHFUL? If, for some unknown reason, more than {$10.00} could be credited, to my logic, Citi could send me a check. No, he told me, that was n't possible. Citi can not issue a check??? Now, I think it is fair to have a Citi employee look over the expenses incurred by my daughter with my supervision, to assess exactly how much money would have been earned. And, why would I be told by the first Agent & confirmed by XXXX # XXXX that the card would be expedited ( not true ) and per XXXX that I would get a ( measly ) {$100.00} credit when he would only authorize a {$10.00} credit? Why are XXXX Customer Service agents allowed to give misinformation & downright lies without consequences. Why am I paying the consequences for their inadequate service?

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 2016-08-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Cardholder purchased item that was defective using Citibank USA credit card while abroad in XXXX. Merchant refused return of item despite merchant 's documented policy allowing such a return. Citibank USA requested documents from cardholder to verify, and was irreasonable in what sort of documents cardholder could obtain while abroad for extensive portion of calendar-year. Cardholder honored Citibank USA requests for documents. 
For this XXXX 2016 purchase dispute, on XXXX XXXX, 2016, Citibank USA concluded to cardholder : " We previously contacted you requesting information necessary to complete this inquiry. Since you did not include all the requested information or documentation in your response, we are unable to assist you. Please contact the merchant directly if you wish to pursue this matter further. 
We now consider this investigation complete. '' Cardholder feels that he has honored all requests and been cooperative with Citibank USA during the 6 months of dispute and that Citibank USA has failed in its fiduciary responsibilities in handling this matter. Cardholder has suffered monetary loss of {$440.00} USD as a result.

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 2017-03-22 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Applied for XXXX Citibank Citigold accounts with promo code XXXX ( AA XXXX bonus miles ). Confirmed with multiple reps that I was targeted and eligible and would receive a total of XXXX bonus miles. Finished all the requirements and was told that they can not honor because I was not targeted. After initial complaint, Citi deposited XXXX AA bonus miles for the first account ( ending in XXXX ), but still missing another XXXX from the other account ( ending in XXXX ). Dispute has been unresolved for over 6 months.

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 2016-05-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
We received a notice from the IRS on XXXX XXXX, XXXX informing us that we owed an additional {$23000.00} on our XXXX tax return due mainly to unreported income in the form of a Cancellation of Debt form XXXX submitted by Citibank. 
We had no prior knowledge of this activity and attempted to contact Citibank for information. We were able to get information that the account activity in question was from XXXX, 17 years ago. We were living in XXXX at this time and neither my wife or I have had any accounts with Citibank. We have never received a bill, a statement or any other correspondence regarding this account. We have made numerous telephone calls to Citibank attempting to get any type of details about this account and have continuously been denied any information. Several of these calls have lasted up to 3 hours while constantly being transferred from one department to another. Our tax prepared requested us to ask for a copy of the XXXX form that was sent to the IRS and even this request was denied. We believe this matter is a mistake on Citibank 's part or fraudulent activity by another party. We request that Citibank either inform the IRS of their mistake or provide us detail information so we can prove fraudulent activity has occurred.

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 2015-03-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank closed credit card ( XXXX ) and transferred the card information to credit card ( XXXX - {$8500.00} ) WITH THE EXCEPTION of the credit card limit ( {$12000.00} ) ; and DID N'T NOTIFY me UNTIL after they had completed the transaction. So Citibank credit card ( XXXX ) should have a credit card limit of {$20000.00} instead of the stated {$8500.00}. 

I value my FICO score and do n't want to see the above present reduced credit limit on card ( XXXX ) subsequently reduce my FICO score which in the past I have watched very carefully. In the past I have had home mortgages and car loans at the very low interest rates possible ; and I do n't want to see that ruined by Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened citigold account XX/XX/2016 with a promotion code which said will provide XXXX TYP points once I make two consecutive monthly bill payment. After I applied the account online, I called to their service center and the agent confirm the offer. After I reach the requirement, I online chat with citi agent, and they confirm I met the requirement, and will receive the points after 3 month from the day I opened the account. When the time came, I did n't receive anything, and I did the online chat again, the agent once again confirm that I will receive the points, and asked me to wait. After another month, I called to the service center, the agent helped me to submit a points request, after 10 days I recieved a mail claimed I 'm not target to the promotion, so I wo n't be able to receive the points. I called another two times, they all end up with a mail with the same not target answer.The third time they ask me to fax the online chat history as the proof that their agent promise me for the points ( they should be able to achieve all those information, since they recorde all the phone call and chat record ), I did saved the chat history, and I fax them the whole chat, but at the end I still on receive the same mail with the same answer. I 'm so fraustrated and end up close the account. But recently, I saw many people got the same situation and be awarded the promised promotion bonus. It 's so unfair.

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 2015-10-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I booked a move with a company that I discovered had fraudulently claimed to be XXXX XXXX XXXX and was instead a broker. They failed to disclose the cancellation terms but I ultimately found them and cancelled the contract within HOURS of the charge to my Citi credit card. Initially Citi credited the amount but when the company responded with fraudulent documentation ruled the charge " valid '' but never informed me. It was n't until the card was declined on XXXX/XXXX/2015 and I logged in I discovered they had reversed the credit based on the false documents but had never informed me as the consumer holder of the card. It was n't until I complained they never notified me that Citi sent partial documentation to me of their alleged " investigation '' of my dispute. On XXXX XXXX, 2015 I filed a second response to the original dispute and called Citi the next day to confirm receipt. I was assured they would resolve it before the balance reported again which did NOT happen. To date I have heard NOTHING regarding this dispute. I used their secure message feature and got a canned " we are working to resolve your dispute response '' but now Citi has reported 117 % of my balance and the dispute as resolved though consumer disagrees to the bureaus which has destroyed my credit score. All attempts at contact with Citi are not returned and the investigator assigned to the case is now out on leave from the beginning of XXXX until XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Following up on case # XXXX. Citi told me in its response to my CFPB complaint that it would credit me XXXX miles within 60 days. That was on XXXX XXXX, well over 60 days ago. I called Citigold today to ask why the miles were n't posted yet and they told me it was XXXX XXXX ' fault. But then the rep admitted she could not see any record of the CFPB complaint ( which the executive response unit handles ) or of the letter they sent me ( and to you ) promising the miles. 
I just want these miles. It has been over 5 months since I earned them, and Citi has failed to fulfill the promise it made in response to my initial CFPB 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