vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened up a CitiGold checking account back in XXXX XXXX using a promotion that would give me XXXX Thankyou points once I 've made 2 bill pays and added XXXX $ in my accouunt. More details here for the offer ( code:XXXX ) : XXXX I completed all the requirements and had n't seen my points post yet. I submitted a secure message around XXXX XXXX and the rep confirmed that I would see the miles posting within 60 days. Plus I was also confirmed by XXXX reps on a phone conversation that i should be receiving it soon. It has been over 4 months and I still have not received my miles.

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 2017-02-22 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit card has a service whereby XXXX precheck services are reimbursed as one benefit of my {$450.00} annual fee. I obtained the XXXX recheck in XX/XX/2016. I have made 5 phone calls spanning the last 4 months and have yet to get a refund of that money. Every time I call, they are " going to look into it '' and " I should expect a credit any time now. '' This is absolutely unacceptable for a financial institution to be holding onto my money for this long with a promise of providing this reimbursement. I have spent no less than 2 hours on the phone which is very precious and another example of the " hoops '' consumers need to jump through to protect our own diminishing rights.

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 2015-07-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a late payment on my credit report from Bloomingdales for XXXX 2015, that should not be there. I made a payment on my Bloomingdales credit card for that month and it was n't processed. There website is very confusing when it comes to making payments and I 'm not sure why it was n't processed. I have noticed when I make payments online via their website it can sometimes take up to a week before it will show up. Also, it is almost impossible to find payment history on their website. I contacted Bloomingdales customer service on the evening of XXXX/XXXX/2015 to request help in fixing this. The representative, as well as the supervisor I spoke with were extremely rude and offered me no help. I do not feel as if I should have a late payment showing on my credit file because their website is confusing and did n't process my payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received communications from : XXXX XXXX XXXX XXXX XXXX XXXX. 
United States ( XXXX ) XXXX And stated that I owed money on online installment loan. I did begin payment on the debt they claimed believing that it was indeed valid. However as time went on with monthly payments they requested payments on an iPhone gift card. I have never ever had to pay any company for any debt with this method. It was very odd and raised an immediate flag. When trying to obtain information on it they went directly into threatening an arrest warrant and court procedure. I want to make sure this is a valid debt and if not report them for fraud.

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: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On the internet I searched for " IRS EIN Number ''. A site came up appearing to be the IRS. With my CitiCard issued by Citibank, fooled by the site, I paid what I believed to be a customary fee of {$140.00} to the IRS. The next day realizing that the legitimate IRS provided EIN numbers free of charge I emailed the merchant informing I was rejecting his service. In fact I never opened the merchant 's email presumably providing me an EIN number. I informed Citicard of the above via phone and in writing. Citicard via their dispute process ruled against me. Attached find the dispute ruling ( 1 page ) and the documentation ( 8 pages ) submitted to Citibank upon which Citibank ruled the dispute.

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 2016-07-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I submitted an application for an account with Citibank on the understanding that I would be eligible for a promotion with XXXX XXXX upon completing certain hurdles. 
I completed said hurdles, and contacted them XXXX XXXX as to why I had n't received the promotional miles. They stated they would open a case and look into it. I contacted them again XXXX XXXX, and I was told I would have an answer in XXXX to two business days. I contacted them again XXXX XXXX, and was put on hold via their chat system indefinitely ( disconnected approximately 3 hours after the rep said it would be just a few minutes ). I contacted them again today and they said that I was n't eligible despite fulfilling the hurdles. I 've also incurred a {$30.00} fee during my wait for them to act, which they said they would n't waive.

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 2015-09-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My credit card was shut down without warning. It is an expensive card that I specifically purchased so could have access to airline lounges and collect frequent flier miles. There was a bonus of XXXX miles if I spent a certain amount. I called to see why I was shut down as I had paid in full ( and early ). I was told they could not give me any information while they investigated. I called the next day and was told it was an identity issue. I was asked to fax my license, social security and a bill with my address on it, which I did. I called the next day to get an update on the status and I was told I needed to add the back of the license and social security card, and only a utility bill would do. I refaxed all of those documents. I called back to see if it could be turned back on as I have travel I need to book, but was told that what I had provided was inadequate and there is an ongoing investigation into my identity and I needed to just wait. I asked if I could provide them with anything more and was told no.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
A few month ago I received an invitation by mail with an offer to apply for Citi Bank XXXX XXXX credit card with XXXX bonus miles after spending {$3000.00} in three month. 
I was approved. I spent {$3000.00} in less than three month. However I recently noticed that I did not receive the XXXX bonus miles. 
I called Citibank. the Rep asked me if I have the copy of the offer. I replied that Citibank must have it. The rep told me that he is starting " investigation '' and that I will hear from Citibank within 24 to 48 hours. Needles to say I never heard from Citibank. So today I call them. The Rep told me that I am not entitled to the bonus points because my previous account with Citibank is close for less than 24 month. 
I entered into an agreement with Citibank. I kept my side of the agreement by fulfilling the requirement as stated in the invitation. Citibank should do the same. If Citibank could n't or would n't keep their side of the agreement the should have denied my application as XXXX XXXX does.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
on or around XXXX XXXX, 2016, I CONTACTED CITI CARDS AUTOMATED SYSTEM TO MAKE A PAYMENT, BUT THEIR AUTOMATED SYSTEM REFUSED MY CHECKING ACCOUNT INFORMATION AND CONTINUED TO DO SO, DESPITE HAVING TO CALL BACK SEVERAL TIMES AND INPUTTING THE CORRECT INFORMATION AGAIN AND AGAIN. I FORCEDTO SPEAK DIRECTLY WITH A CUSTOMER SERVICE REP., IN ORDER TO MAKE A PAYMENT, EXPOSING MY PERSONAL ACCOUNT INFORMATION. THE REP ENTERED INTO THE SYSTEM, THE WRONG CHECKING ACCOUNT INFORMATION AND CAUSED SEVERAL FINANCIAL ISSUES INCLUDING BUT NOT LIMITED TO A REFUND OF THE PAYMENT OF {$35.00} ; A RETURN CHECK FEE OF {$27.00}, ; INTEREST OF {$23.00} ; AND THE COST AND TIME OF CONTACTING THE COMPANY ABOUT ALL THE COST INCURRED. I SPOKE TO A SUPERVISOR, ON OR AROUND XX/XX/2016, AND HAD TO REQUEST THAT THE INTEREST AND FEES BE REFUNDED TO MY ACCOUNT DUE TO THE COMPANY 'S ERRORS. I WAS TOLD THAT THE FEES WOULD BE RETURNED TO MY ACCOUNT, HOWEVER SHE SAID I WOULD ONLY GET ONLY XXXX CENTS OF THE {$23.00} CHARGED IN INTEREST RETURNED TO ME. UPON ASKING HOW SHE CALCULATED ONLY XXXX CENTS WITHIN LESS THAN 2 MINUTE OF SPEAKING WITH ME, SHE LAUGHED AND SAID SHE HAD A CALCULATOR IN FRONT OF HER. I HAD TO REQUEST A CREDIT TO THE ACCOUNT COST FOR THE ERROR ; THE TROUBLE AND INCONVENIENCE AND ALL OTHER COST I SUFFERED FROM, SHE STATED SHE WOULD AND THAT SHE WROTE IT ON HER CALENDAR AND THAT SHE COULD NOT PUT IT INTO THE SYSTEM, BUT SHE REFUSED TO SAY ANY AMOUNT BEING REFUNDED. THERFORE ON AOR AROUND XX/XX/2016, I CALLED CITI CARDS FOR MY ACCOUNT BALANCE TO PAY OFF MY BALANCE, I WAS TOLD THAT THERE IS NO PAYMENT DUE. I WAS TOLD NOT TO MAKE A PAYMENT. THEREFORE, NO PAYMENT WAS MADE DESPITE WANTING MAKING A PAYMENT TO CLEAR MY ACCOUNT OF ANY AMOUNT POSSIBLY DUE. I WAS TOLD NO. ON OR AROUND XX/XX/2016, I JUST RECEIVED MY NEXT STATEMENT WITH NO CREDIT FOR THE TROUBLE, CALLS AND INCONVENIENCE OF WHAT I HAVE HAD TO INCUR PRIOR TO THIS STATEMENT. BUT, THE STATEMENT SHOWED AN INTEREST REFUND OF XXXX CENTS FROM CUSTOMER SERVICE ERROR .. ( NOT WHAT THE SUPERVISOR STATED ) AND NOT THE CORRECT INTEREST AMOUNT. IN ADDITION, I WAS CHARGED INTEREST OF XXXX CENTS OF A BALANCE OF {$23.00}. AN INTEREST CHARGE I NEVER SHOULD HAVE HAD TO INCUR HAD I BEEN GIVEN MY BALANCE ON XX/XX/2016, WHEN I CONTACTED CITI CARDS TO PAY OFF MY ACCOUNT BALANCE IN TOTAL. ONCE AGAIN I HAD TO CONTACT THE COMPANY AND SPENT OVER 40 MINUTES ON THE PHONE TO BE TOLD THAT I WOULD ONLY RECEIVE A CREDIT OF XXXX CENTS OF THE INTERESTED CHARGED ON THE NEW STATEMENT BALANCE AND FURTHERMORE, THAT THEY WILL NOT CREDIT MY ACCOUNT FOR THE MISCOMMUNICATION ON MY ACCOUNT, MISINFORMATION ABOUT MY ACCOUNT BALANCE, ERRORS, AND REFUSAL OF PAYMENT TO PAY OFF MY BALANCE, ALL DUE TO COMPANY ERROR.

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 2016-06-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am a co-signer on my daughter 's private Student Loans with Citibank. I recently found out when applying for a loan that my daughter has defaulted on her obligation to the loan due to high monthly payments. The loan has apparently been marked as Charged Off and it has severely affected my credit. I never received anything in writing from the lender indicating the default, the balance owed, the late payments, or asking me to pay, etc. I was never given the opportunity to satisfy the debt. The loan is many years old and I had no idea that my daughter was struggling with maker her payments. I think it should be mandatory that creditors provide the defaulted account information in writing to the co-signer to give them a chance to rectify. It seems like a very unfair process.

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 2015-11-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I disputed the information that Macys is reporting on my credit file, they have that I made payments to them up to though the XX/XX/XXXX year. I stop making payment to them on XXXX XXXX, XXXX because I was not working for a number of years. I contacted Macys and it was stated to me that the account had reached its statue of limitation therefore it was deemed uncollectable. I disputed the information to macys prior to my conversation with them and never heard back. I sent the same statements to the credit bureaus and mays did not change the reporting, I attempted several times. My final payments is XXXX XXXX, XXXX therefore the account should have been considered delinquent as of XXXX XXXX therefore my seven year reporting period should end in XXXX XXXX. XXXX have my seven year reporting period ending in XXXX of XXXX. I have the supporting documents for this. Also keeping in mind this is an individual account and no one else had authority over this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
This is in regard to a XXXXBestBuy Credit Card handled by Citibank. My wife and I both have a XXXXBestBuy card. On XXXX of 2016 we mistakenly made a payment on HER account instead of MINE. This resulted in a 30 day late on my credit report. This would not ordinarily be a big issue but we were right in the middle of closing on a new house. I called them, explained the situation and they could clearly see we actually MADE the payment but to the wrong account. They adjusted the late fees and credited the correct account but my loan officer and underwriter needed a letter from them saying the payment was made to the wrong account or that the payment was n't really late. They absolutely would NOT give me a letter saying anything close to that. Every fax the sent me took either 3 hours or 72 hours because it had to go through the legal department. When they did finally promise to send a letter that would work, we had the seller, closing attorney, realestate agents and everybody waiting for them to send the letter. After 4 days of waiting, I called back and guess what? The letter does n't even exist so they never sent anything. 

I am a XXXX XXXX and have been buying from BestBuy for me and my family for years. It used to be my favorite store and I have spent thousands there but if they ca n't help a longtime customer not lose his dream house over a simple mistake then that tells me they do n't give a XXXX about us as people. They want us to spend our money and shut up and if they do something to ruin our lives they do n't care. My rental was spoken for when this happened and no I ca n't close on my house. We do n't have enough money to stay in a hotel for long so unless a miracle happens my wife, kids and me will be sleeping in our car all because BestBuy and CitiCard will not give me a simple XXXX letter!!!!!

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 2017-01-16 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I signed up for a Best Buy credit card many years ago. Since 2011 I 've been charged roughly {$410.00} for some Debt Protection that I never signed up for. It shows up on my statements as XXXX. I only recently noticed this. I got it cancelled but this is XXXX. That money could go to far better use than to line someone else 's pockets.

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 2016-07-28 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: CA

Complaint narrative:
I was not the card holders it was XXXX. Citi card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 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: NC

Complaint narrative:
I have been disputing this account and asking the company ( MACYS ) to provide verification that this debt belongs to me for over a year. This account is showing as a duplicate on my credit reports and has also been disputed with the credit bureaus multiple times. The last dispute was sent to fax number XXXX and by certified mail on XX/XX/2016. The company states they did n't receive it until XX/XX/XXXX. When I contacted the company the representatives that I have spoken with seem confused themselves and do n't understand why the account is still pending review status. I was told that I should contact XXXX and when I spoke to this agency they do not have an account in my name. I also was advised to submit another dispute to 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 2016-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Harassing phone calls multiple times per day from Citimortgage even when my payment is not late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I spoke with a supervisor by phone with Sears today. I asked if I could get a lower interest rate, but they said 25.24 % compound daily is the standard for CCs. I make monthly payments consistently the XXXX week in each on my credit card. My account is due on the XXXX. I pay more than the minimum account due. Only about {$88.00} of my {$200.00} payment reduces the {$4000.00} balance. In order to avoid paying so much interest, I was told to make payments around the XXXX after Sears billing cycle around the XXXX. That way, I will pay XXXX days interest instead of XXXX days interest. I have had this account for XXXX years, and this is why it 's taking such a long time to payoff. According to Sears profile, if this continues, I would have paid them {$13000.00}, for this account. This appears to be a tricky way for Sears to keep me ( consumers ) in debt. The billing cycle date was not significant to me. They scheduled a due date, however, if I pay on the due date I pay more interest, than closer to the billing cycle date. This does not seem fair to me, nor consumer friendly. Thank you for your attention.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I called Macy 's CS in XXXX to make sure my auto payments of $ XXXX/month would cover the amount owed within the time frame left on the no-interest Special Event balance and was assured that it would. 

On XXXX I was checking my bank checking account and noticed the auto pay had been reduced from $ XXXX/month to {$25.00}!! 

Made XXXX attempts to reach a representative at CS. No options were available to connect to an actual person, unless I just hung on and did not input my account number. ( I was later told there was something wrong with the system. ) The XXXX rep I spoke to after waiting over XXXX minutes, XXXX, did not know why it had been changed, but agreed to cancel the {$25.00} auto pay and adjust them so account would be paid off within time framed allowed for deferred interest. I was again put on hold. 

When she came back on the line, she said I had made the payment of {$25.00} at a Macy 's store. I HAD NOT and on my end it clearly stated that it was a web initiated payment. I asked to speak to a supervisor and was put on hold, again. 

When supervisor XXXX came on the line. she explained that the change in payment amount was because of a system upgrade linked somehow to XXXX XXXX and all auto payments scheduled were not carried over. I asked how Macy 's could change contractual arrangements it had with its customers and not advise them of the change?? She said I had made the auto pay arrangements through my bank, which I had not. I asked her how she was going to fix this and was put on hold again! After a lengthy wait, my call was DISCONNECTED. 

This entire unsatisfactory process took at least and XXXX minutes and NOTHING WAS RESOLVED. 

I question both the competence and legality of this behavior on Macy 's part and am therefore sending a copy of this letter to the Consumer Finance Agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
I am concerned and would like to bring this to light. I applied for a home loan with Guild Mortgage, XXXX XXXX branch. The Loan Officer was XXXX XXXX, who is also the branch Manager. What concerns me is I never met with him. I met with his assistants, XXXX and XXXX. They reviewed my documents, went over a loan scenario with me, quoted me interest rates, my payment, down payment, etc. I asked when I would be meeting with XXXX since his name was on all of the douments I was signing, and was told he was not available but they were his assistants and they could help me. I asked XXXX why her name wasnt on the forms she said she was not a licensed loan officer and XXXX was the licensed loan officer of record. I asked if XXXX was licensed since she was the person explaining all the forms I was signing. She also said she was not and didnt need to be. That made me feel very uncomfortable. I had XXXX unlicensaed people explaining all the legalities of my loan to me, yet the actual licenseed " professional '' was no where to be found. I would like to know if this is normal practice?

Company response to consumer: Closed with explanation