vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was deceived about a promotional rate via chat with Citibank. I was told the promotion for purchases was already available on my account and no other action was required. I have now received my first statement and I was charged at the standard APR. When I called I did n't get any resolution. I spoke with several managers who advised the rate did n't even exist. I explained numerous times that I had printed the chat transcripts and I needed them to be pulled as proof that I was offered the promotion. I was also told chat agents are not authorized to provide promos that consumers must call to have offers activated. I feel like Citibank is using unfair and deceptive practices to entice consumers to use their card under false pretenses. I was never offer any resolution to my issue after to speaking to XXXX manager in a total of 2 hours. When I asked managers to pull the transcripts I was told I do n't work in chats so I do n't know if we even save those. I wonder how many other consumers were blatantly lied to and never even bothered to look at their statement cause they trusted their creditor. Also the Citibank website makes it very difficult to view statements if your enrolled in paperless statements and I 'm wondering if this is a strategic move to continue such abusive and deceptive practices.

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 2017-02-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I did not receive the last bill for purchases made at Macy 's. I received the next bill which included interest and a late charge which is due on XX/XX/XXXX 2017. Everyday since I received the second bill, I have received a robo call from them. I responded to the call and let them know that I directed my bank to have an automatic bill payment for the full amount within the week. I still continue to get these calls. I have excellent credit and have never had this kind of treatment from any creditor. This is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CitiCards refuse to connect me to a manager. Im currently unemployed due to the effects from XXXX XXXX. Ive been making my payments on time but this month ( XXXX 2016 ) my financial situation has gotten worse, I preemptively call CITI CARDS and requested to have my payment date from the beginning of the month to the middle. I was promised a call back from a manager, which never happened. I called again but was unable to speak to a manager again even though I requested it but was told my requested was placed and that I would be able to pay at a later time with not late fee. Unfortunately they did n't comply nothings has changed on my account except for the fact I am now being charged a late fee. Its become apparent they will make up any excuses each day as to why I ca n't speak to a manager. Horrible service line // Condescending over the phones // Straight out liars //

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 2016-07-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Debt was settled and paid and judgement was satisified in NJ Court. A payment agreement was made before it went to court. Creditor is saying the attorney said there was no judgement. But it has been filed and satisified by the court. Attorney needs to rectify with creditor that this has been taken care of and balance is not due as it was agreed upon and settled. 
This may hurt my chances for a mortage. I did not know this was on my report since it was paid, settled, and satisfied.

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 2016-10-04 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened checking and saving accounts at Citibank on the phone. The rep said to expedite the matters to go to the branch, present ID, sign necessary forms and deposit the money. So I did. A week later it turned out they were missing a copy of my ID I presented in the branch. But they kept quiet until I called them on the phone asking about access to my money. Eventually they sent me an email with a form for ID copy so I had to fax the image of my ID with the form. After that they sent me an ATM card. But when I registered it I discovered that the access to the savings with the entire amount ( XXXX ) of the deposit is blocked. Now they are stating that they do not have the signature card which is a lie. Without it the opening of the account would not have been complete and accepting the deposit would not be possible. Even written communication with customer service is infuriating. They completely ignore what is stated in the request and give absolutely irrelevant answer. At this point I worry about a very substantial amount of my money that they are holding and refusing access with made up reasons.

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 2015-06-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I use my Best Buy credit card to make purchases. Depending on the total amount of the purchase I am offered the option to defer interest payments for XXXX 'months. The balance is then tracked under the promotional balances. When I make a payment the payment is then divided amd credited to the promotional balances expiring within two months. In addition I sometime go into the best store and use my credit card to make purchases that do not qualify for defer interest payments. According to best buy this balance is called the revolving balance. Best Buy does not allow for payments to be allotted to the revolving balance and therefore forcing the customer to pay interest. Even though the total payments made after XXXX days of the last statement closing would be sufficient enough to cover the revolving balance and stop any interest being charged. Especially when the customer promotional balances do n't expire in the month that revolving balance interest be charged. On XXXX XXXX I made XXXX purchases in the amount of {$290.00}, and {$84.00}. I chose not to put these purchases under the deferred interest program because I knew that within XXXX days I would be paying the balance off in full for the purchases. I then made XXXX payments {$100.00}, {$120.00}, and {$160.00}. The total of these payments would have covered the entire revolving balance made on XXXX XXXX. Instead Best took my payments and applied them to promotional balances that are expiring XXXX/XXXX/15. Now I will be charged interest for my XXXX XXXX purchases when I have made payments to cover it and avoid interest. I called best buy about this and XXXX they stated that they could apply my payments to revolving but then he placed me on hold and came back to the phone and said that his supervisor said that it ca n't be done. This is unfair, if you are tracking the promotional and revolving payments, then you should also track and allow a customer to specify how payments are applied. Bestbuy is trying to force collecting interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Many months, perhaps years ago we set up auto pay with Macy 's department store credit card. Naturally, as we made purchases for XX/XX/2015 at Macy 's we knew that the statement balance would be paid off monthly on XX/XX/XXXX as our past ( prior to this experience ) records show. Fast forward 3 months to XX/XX/XXXX and we 're getting calls letting us know our statement balance is past due. Macy 's is accusing us of calling in on XX/XX/2015 to cancel our auto pay ( which is miraculously the same day our payments are drafted for auto pay ), but are unable to provide any proof i.e. Email record, phone recording, etc. Macy 's is unable to offer any resolution and is keeping the {$67.00} in late fees they charged us, again, without any proof whatsoever. Macy 's has reported a derogatory filing with all credit reporting agencies - my first any only late payment mark in my 14 years of credit history.

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 2016-09-19 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank atm took my money without depositing in my account, and only paid me back a portion of the funds. The branch is giving me the run around after claiming fault.

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 2015-09-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I HAD BEEN ASKED BY MACY 'S CREDIT TO PAY A DEBT WITH UNEMPLOYMENT INSURANCE FUNDS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I have disputed the following item with the credit bureaus and creditor and have not received proper verification or validation to show this account belongs to me and that they are reporting accurately within guidelines of the FCRA, FCBA and FACTA.

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 2016-12-01 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was preparing to 'DISPUTE ' the results of [ Case # : XXXX ] company 's reply but it 'timmed out ' and now I get a message saying the account has been disabled. ( I first reset my password, read the response, it timmed out, now I can not access it. )

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 2017-01-17 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I was delinquent on a Citibank Credit Card. The account was passed onto a collection agency. The collection agency and I agreed to a settlement but asked me to make minimum payments until I was able to come up with the lump sum. I asked if payments would be credited and counted towards settlement and collector said yes. My employer sent in a XXXX payment for me XX/XX/XXXX. Citi cashed the check but then put a hold on crediting my account. Thus making the account appear unpaid per the agreement with debt collector. 
Several WEEKS went by and the account was returned to Citibank. I received a bill dated XX/XX/2016. I was asked to pay entire amount. I called CITIBANK spoke with an agent and asked if i should make a minimum payment? I was told NO. Wait until we finalize our review of the {$300.00} Payment ( THAT WAS ALREADY CASHED MIND YOU ) sent in XX/XX/2016. I called in a week later to check the status on the {$300.00} payment and to see if I could finalize the already agreed upon Settlement {$3900.00} minus the two payments totaling {$500.00} ( which I was told by XXXX XXXX XXXX ) it was approved by their client CITIBANK. I was told to call back again. I called back two weeks later only to find out that the account had been CHARGED OFF and was now reflecting so on my Credit Reports. 
My credit has taken an enormous Credit Score hit and I am now having difficulty leasing a vehicle. If I am approved, I will be required to pay at a much higher interest rate along with a large down payment that otherwise, would not have been required. I would like CFPB to send a dispute letter to Citibank and simply ask them to review ALL recordings. I wou ld also like the CHARGE OFF removed from my credit while honoring the settlement agreement I had in place with the collection agency that CITIBANK assigned to the file.

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 2016-08-25 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX/XX/XX/2016 Costco switched its credit card provider from XXXX XXXX to Citibank. As a XXXX member with a Costco XXXX XXXX, my credit card balance was transferred to a Citibank Visa card, and a Citibank Visa card account was opened in my name, without my authorization. I was not informed of the balance transfer until approximately two months after the change took effect. I was charged interest on an outstanding balance and a late payment fee. I requested a statement from Citibank to that I could see the itemized charges and dispute the late fees and interest charges since I was never informed of the change and therefore was completely unaware of the outstanding balance. Citibank never sent me a statement. Instead, they have called me 3-5 times a day, every day, during the night and during the day. Often at inconvenient times. I 've paid the outstanding balance in order to stop the constant harassment, but I 'd like to file a complaint to convey my frustration with this entire 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 monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: VI

Complaint narrative:
On XXXX/XXXX/XXXX I made a payment on my Citi Card account ending in XXXX using my checking account ending in XXXX, which I have made in error because my payroll goes to my account ending in XXXX. 
XXXX I realized my mistake, so I made a payment for {$2000.00} using my checking account ending in XXXX and another payment on XXXX/XXXX/XXXX using my account ending in XXXX for $ XXXXXXXXAt this time, Citibank have attempted to process my payment on XXXX/XXXX/XXXX which made my bank ending in XXXX fine me a penalty of {$60.00}. 
Because I already made a payment as soon as I realized I made an error on XXXX/XXXX/XXXX, I did not contact Citi and I have been accessing my account and I did not receive any notification or warning of them closing my account for this reason. If I knew that they will closed my account for this reason, I should have transfer the money on XXXX/XXXX/XXXX and have them processed the payment that I made by mistake using my account ending in XXXX. 
XXXX I tried to use my Citicard ending in XXXX and it declined. 
I called Citi and I called to numerous representative and finally get through the Credit Dept Mngr who said he will send a request to reopen it and it will take about 7 business days. On XXXX/XXXX/XXXX I received a letter online saying my reopening request has been denied even if I have explained to them what happened and already made 2 payments after that for {$4300.00}. I have put all my available liquid assets/cash into paying my Citicards, now I do n't have any resources to pay my bills. Citicard did not call me to tell me that my payment did not go through on XXXX/XXXX/XXXX. We are also planning to buy a house on XXXX XXXX, so I have been paying off my Citicard every month. I have not paid interest to Citicard because I have been paying it off before my due date, to increase my credit score for my future mortgage loan. Also, they just increase my credit limit to {$8300.00} from {$6000.00} on XXXX XXXX. 
Our plans of buying a house in XXXX and my credit score will be affected by this action tremendously. How can they not re-open my account when I already made the payment, I do n't have any balance due when I made the payment in error and it is within 30days of my due date. 
Please help me to reach the Corporate office of Citi and sort this out. Please re-open my account being that I have been a good cardholder of CitiCards since XXXX. 
Thank you. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a costco card with XXXX. Apparently costco switched their relationship and now only takes visa. So, during the switch, my costco XXXX XXXX was cancelled and I received a XXXX card. I paid the balance of my account online and it disappeared from my XXXX online portal. Five months later, I receive a call from Citibank collections, looking for {$10.00} saying that I had three missed payments. I told them that I had never received any information from them and did n't even know that I had a credit/business relationship with them. They said they had returned mail and never could get ahold of me. They could n't even give me an account number to dispute the charges with the credit bureaus.

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 2015-10-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.

Complaint narrative:
XX/XX/2015/XX/XX/2015, I received my Macys statement with a balance. I immediatelycontacted Macys to informed them that my card was fraudulently usedonline. The agent told no problem, she will put an investigation on card. 
I told her that I have never purchased from Macys online and I have thecard in my possession, none of my other credit card was compromised. 
I told the last time I used my card was approx. 1 year ago in XXXX. Theagent told me that not to worry about it. On XXXX XXXX, 2015, I receiveda letter ( see attached ) that my claim is not a fraud. I called Macys andagent told me that the investigation was completed. I informed her aboutthe letter, she told me to wait a few days. I asked her when and wherewas the online purchased ... she claimed co access to that information. Itold I live in XXXX and only use my XXXX card when I am in XXXX. Ihave contacted Macys call centre three ( 3 ) without any substanceanswer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I settled the debt with a lump sumpayment XXXX direct withdraw from my 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 2015-07-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
city mortgage [ need I say more ] they have engaged in fraudulent practices that have cost consumers amazing amounts of money for their own gain ... ilegaly

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Hidden charges just discovered was charged over two years XXXX service fee no charges grandfathered in when I open the accounts combined circle gold checking and savings charged for over draft fee to move funds from XXXX account to the next account this is another hidden charge I did not agree to the overdraft does not apply whe the account was opened in 2010 in XXXX NJ the account provision was without any of these charges for the life of the accounts as long as they remained open additionally charged for nsf funds when the bank process reported unauthorized charges I attempted to report fraud and unauthorized charges of {$110.00} which caused sever other checks nsf for which I was charged .. when the accounts were opened features such as free credit report access were placed on the account as a life of account free service recently I see this service was removed with out my knowing or requesting this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: DE

Complaint narrative:
Did not Identify themselves, nor give a name, said that it was attempt to collect a debt, called me at work, and said it was for XXXX in which I have not had in 7 or eight years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief