vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
XXXX/XXXX/16 - My Macy 's credit card account was used to make a {$78.00} purchase at XXXX XXXX XXXX XXXX XXXX at XXXX XXXX . I had not lost my card ; I had never activated it and it was sitting in my cupboard. 
XXXX/XXXX/16 - I called Macy 's customer service line and ended up in a phone tree. Wanting to stop charges from accruing on my account, I chose the option for lost or stolen card. When I selected the " cancel my account '' option, I finally got a human on the line. She sounded XXXX and did not grasp that this was a fraudulent use of my account until I pointed that out to her. She said she would get the charges removed from my account and would also cancel it, as I requested. 
XXXX/XXXX/16 - Arrived home after a week-long trip to find another bill from Macy 's for {$100.00}, consisting of the original {$78.00} plus {$29.00} in late fees/interest. 
XXXX/XXXX/16 - Wrote a letter to Macy 's explaining the problem. 
XXXX/XXXX/16 - Began receiving recorded calls from Macy 's to pay my credit card balance. Called back and was connected with their Fraud Dept. Explained the situation again and found out that I should have been sent a fraud claim form to complete in order to notify them of fraud. 
XXXX/XXXX/16 - Received the fraud claim form ; completed it and mailed it back on XXXX/XXXX/16. 
XXXX/XXXX/16 - Received a third bill from Macy 's for {$140.00}, consisting of the original {$78.00}, plus {$68.00} in late fees. 
XXXX/XXXX/16 - Received a letter from Macy 's acknowledging my fraud claim and saying that they had accordingly reduced my Minimum Payment Due to {$68.00}, due XXXX/XXXX/16, stating " This adjustment reflects the portion of the balance that is not being disputed. '' Why should I pay Macy 's anything? I did not use my credit card, and I reported it as soon as I saw the fraudulent charge. If Macy 's chooses to outsource their Customer Service Line to an XXXX XXXX where the employees do not recognize fraud or know the procedure for handling it, I should not have to pay any late fees which result from their bad decisions or incompetence. 

I am asking your help in getting these charges removed from my account and also in closing the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I made a payment of {$50.00} on my Best Buy credit card in store, in my local Best Buy. Citigroup/Citibank manages the account and is the creditor in said account. However, this payment does n't show on my payment history and only {$8.00} of {$50.00} was applied to my balance. The card to my knowledge is 0 % apr for the first year as long as the balance is paid in full, however my balance has inflated significantly. The payment was made at the XXXX XXXX store XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a payment online to pay my Macy 's credit card in full. I received a notification by email that my payment had been applied to my account. I never received any further notification that the payment was rejected. Macy 's contends that they sent me a letter by mail -- even though I had elected to receive notifications by email -- but I did not receive any such letter, nor did I receive an email. I was not notified of the returned payment until my next statement, at which point a {$25.00} returned check fee had been applied. Macy 's refuses to refund the {$25.00} returned check fee. They contend that the check was returned because the account number I provided was for a closed account. However, they admit that the account number they recorded was only XXXX digits long. It is not possible that I entered a XXXX account number in both fields where the account number is requested in the Macy 's online payment flow. I 'm aware that my account number is much longer than XXXX digits, and the Macy 's system should not and would not accept a XXXX account number. It 's clear that the payment was rejected due to a technical error on the part of Macy 's, and that I was not informed of this error in a timely manner. Furthermore, as a result of this issue, I incurred an adverse credit score. I would like to request your assistance with reversing the returned check fee that Macy 's charged me, as well as repairing the damage to my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account, scheduling two bill payments, and spending {$1000.00} from the newly opened account. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I did not receive my bonus points as promised. I called in promising a response in 24 hours. I did not get a response. 

On XXXX XXXX, XXXX, I sent a secure message on Citibank 's website and was told by XXXX XXXX that an investigation is underway with no timeframe to when it would resolved.

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 2016-09-06 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, 2016 I attempted to use my Citibank ATM Card to withdraw money when traveling in XXXX. I tried it twice at XXXX ATMs close to each other, once for {$8000.00} XXXX and then once for {$6000.00} XXXX. Neither time was money disbursed. I then went back to my hotel and got a different card from XXXX XXXX. I attempted to withdraw money again on XXXX XXXX, 2016 at another ATM with my XXXX XXXX card and funds were disbursed. I complained to Citibank and logged a dispute. Citibank gave funds back for both ATM issues that transpired on XXXX, XXXX, 2016, on XXXX XXXX, 2016. On XXXX XXXX, 2016 Citibank charged back the {$6000.00} XXXX dispute credit ( {$340.00} USD ). I called and complained and again Citibank gave back the funds. On XXXX XXXX, 2016 Citibank again charged back the {$340.00} USD.

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 2016-09-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
on XXXX XXXX, 2016 this writer sent the allege mortgage servicer Citi Mortgage ( CITI ) a Qualified Written Request ( QWR ) on XXXX XXXX, 2016 Citi gave a response but failed to answer the QWR in its entirety. There is NO FORECLOSURE PROCESS nor was I EVER IN DEFAULT as stated in the notice from CITI. This information from Citi Mortgage is totally fabricated. I clearly requested the LOANS ORIGINATION.. this was totally ignored by CITI By law and as a consumer I have a right to ask for my loan origination etc under the FEDERAL SERVICER ACT, which is part of the Real Estate Settlement Procedures Act, XXXX XXXX XXXX XXXX XXXX XXXX. 
A second request is being sent once again requesting the documentation not received from Citi mortgage. They are in violation.

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 2015-05-30 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I RECEIVED XXXX CREDIT CARD ( VISA ) FROM CITIBANK YESTERDAYXX/XX/2015. IT WAS XXXX FOR ME & ANOTHER WAS MY HUSBAND. I NEVER EVER REQUESTED A CREDIT CARD FOR MY HUSBAND. I AM VERY UPSET WITH CITIBANK, HOW THEY GOT HIS NAME. MORE OVER CITIBANK 'S CUSTOMER SERVICE ISVERY POOR. CUSTOMER SERVICE IS OUT OF U.S.A. & THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER. THEY DROP CUSTOMER CALL WHEN EVER THEY LIKE TO DO SO. THIS IS VERY RIDICULOUS. CITIBANK SHOULD BE PUNISH TO DO SUCH ACTION WITHOUT PERMISSION OF CUSTOMER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citi Corps calls some days up to 9 times per day. I have phone log to prove it. They start at XXXX XXXX. can do not stop until XXXX XXXX. They also have a number displayed that I have tried to call back, it will only ring twice and cut off. They also call here with a message in XXXX. I speak English only. They are breaking the law by their harassing phone calls. They also have called on Sundays which I requested months ago for them not to call me on Sundays.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In XX/XX/2016, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. I signed up for the promotion because I was lured in with a bonus promotion that promised - AAdvantage miles would be credited to my AAdvantage account. I had confirmed via chat with a Citi Bank representative a few days after my application that the application will be processed, and that I qualified for the bonus offer of - Miles upon meeting the promotion requirements : Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform - or more bill payments for 2 consecutive calendar months. 


After I met the promotion requirements, I contacted via phone and chat to Citibank to confirm this and to inquire when to expect the points to be posted. I was told that my request would be researched. Finally they informed me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was not for this promotion. I am requesting Citi to honor the set promotion. If I was indeed not targeted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not reject it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. They have not acknowledged that if I was not going to receive a bonus it should have been communicated to me during numerous confirmations about the offer. In addition to that they have been charging $ XXXX/month as account maintenance fee on my account. 

It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. I have been a customer since early - and if this is not handled appropriately I will pursue it further with litigation and no longer do business with this company ever again. I appreciate any help the CFPB can offer to resolve this issue in a timely and satisfactorily manner. Thanks.

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 2015-12-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I arranged for a payment plan to make good on late payments and when I attempted to initiate the payments, Citi informed me the account was closed and they could not enforce any agreement. Over the last 2 years I contacted Citi via certified mail at the address indicated in my credit report to confirm the balance amount and to enforce the payment agreement and they repeatedly did not reply. Since this is in contravention of credit reporting standards, I have legitimately asked them to stop reporting the debt and no effort has been made to comply with my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a checking account with Citibank. I deposited a check in the amount of {$2700.00} from a publishing company on XXXX XXXX, 2016. The bank would make only XXXX cents of it available on that day. Then it made {$200.00} available on XXXX XXXX, and {$400.00} today, XXXX XXXX. They called a " standard delay ''. 
Citibank never informed me of this " standard '' and never used to do this in the past. 
This policy caused a depletion of my funds to such an extent that my wife and I could not check out of the grocery store. 
Not only should this policy be reversed, but Citibank should also pay us a compensation in the amount of the check, and pay the Federal Government a fine for defrauding its customers. Citibank and other banks should be prevented from using the money from my check while withholding it from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
On XX/XX/2016, I made a {$420.00} payment. This would have left me with {$560.00} credit available to use on this card. I planned on using this card or about $ XXXX of it for a trip we are taking. On XXXX, after my payment posted of course, I get an automated phone call stating that they have now decreased my credit limit {$500.00} leaving me on {$69.00} available credit. When I called, they stated that all my payments to them have been on time but tried saying that I 've been paying late on other credit cards I have. That is NOT TRUE. I have NOT missed any payments, in fact since I 've gotten ALL my credit cards, I have paid early in fact. It 's just strange that I 've had this card for a while now and have been making payments twice a month to it and then all of a sudden after a bigger payment, they just drop me. I lost XXXX and a trip with that happening and they were just awful to talk to on the phone. The reason I paid so much is that this is a cash back card and I was trying to earn extra money by paying off a chunk then using it again and so on. It 's almost like they did n't want to have to pay that cash back so why not just drop them down so that they ca n't earn anymore. I now learned do n't trust your credit cards and just use your bank account or cash anymore. I wo n't ever be paying that large of an amount unless I 'm paying off the card to close the account. This is horrible as I have been a great customer paying every 2 weeks on this almost since the day I got 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 explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX XXXX I was traveling with XXXX XXXX on a ZED standby ticket. I attempted to access the XXXX XXXX XXXX XXXX mins before my flight. The XXXX agent working the XXXX XXXX check-in did not know the policy about Citi XXXX standby tickets and went above and beyond her duties to call the Citi XXXX customer service number on the back of my card to speak with Citi to determine if I should have access. The Citi representative gave false information to the XXXX agent about the eligibility of standby tickets and XXXX refused to grant me access to the club. Clearly in the terms and conditions of the Citi XXXX card it says " XXXX cardmembers must present a stand-by ticket or boarding pass, showing an XXXX, XXXX XXXX XXXX , XXXX, or an XXXX Connection carrier flight number, valid for travel on such flight. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XXXX XXXX I received a notice from a collection agency that Citi Bank sent us to the collection agency. I called Citi Bank because I made a payment every month. Well In XXXX of this year we switched internet providers. Citi Bank was sending e statements ( which I never signed up for ) so because of the switch I was n't receiving statements anymore. The minimum payment was around {$120.00} and I always sent {$130.00} to $ XXXX monthly. We have not used this card except for XXXX which was about {$10.00} a month. So my payment should have went down with the payment I was making. Well when I talked to them after receiving the collection agency notice they told me it is not there responsibility to send out a statement. I said the email they were sending it to was no longer a valid email and he said it does n't matter. I also asked why no one called. You would think if you have a good customer who makes payments on time every month that you would at least make a phone call. Again they said it is not there responsibility. Again I take some responsibility but I never used the card since like XXXX and I know with the payments I was making that I still had a year or so till it would have been paid off. They were not helpful at all. I have flawless credit and now my credit report is showing that I have not made any payment since XXXX of XXXX. As you can see I made the payment every month. I also asked for all the statements for XXXX. When I received them they have been charging me for Payment Safeguard which again I never signed up for. How can they charge people for services that they never signed up for. So now that my minimum due is more than I was sending every month they charged me a late fee from XXXX XXXX to XXXX XXXX. When I called the collection agency they told me that my payment due is now almost {$900.00}. They also told me that Citi Bank reduced our credit line so now they are charging me for an over the credit line fee. I again never received a notice that they are lowering this. The only mailing I received in XXXX was the notice from the collection agency. I have attached the statements from Citi Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Due to circumstances out of my control I got behind on my line of credit w Citibank. I called them upwards of 100 times to try and restructure my loan while I continued to make payments. They suggested that I apply for a loan modification but conveniently over a year went by and each time I submitted documentation they claimed to not receive all of it so I was constantly sending I 'm document after document only to be told that the previous documents had expired even though I had already sent in ALL required info. Conveniently everything was always 'lost ' and no human existed in the front in which the forms were sent to verify receipt. Very very sketchy. This went on for well over a year, possibly two. The answer was always some bs about how you had to qualify when the joke is that honestly probably no one ever qualified. They make zERO effort to help people who actually intend to pay money back and pay their bills and have no interest in making it right after the fact in terms of credit reporting or late charges which is fully in their control. Sadly the people who rarely pay their bills seem to have more privileges. What a world. I wrote to Citi explaining the situation and they could n't care less. Shocker. A XXXX dollar company not caring about a lowly customer ... so uncommon for big banks to treat their customers poorly..hmmm ...

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 2016-07-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I signed up for citi gold Bank account with a targeted promo code few months ago for XXXX XXXX miles. After completing the requirement i received a message from citi stating that i met the requirement and will be rewarded the XXXX XXXX miles. Citi never did give me the miles and they charge me for several mostly fees.

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 2016-04-25 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Is is legal for Citibank/BestBuy to bill its customers and require payment SIX days later? This happened to me, with a Citibank Visa issued through BestBuy. I have the billing notice, received by email XXXX XXXX, 2016, and various correspondence with Citibank and BestBuy. Neither company addressed my direct charge of predatory billing. Nor did they deny it. 

Even if legal, requiring credit card payment 6 days after billing is clearly predatory, automatically greatly increasing the likelihood of late payments. Citibank and BestBuy deserve at least to be embarrassed publicly for their deliberate predatory behavior. 

Why are they are doing this? BestBuy credit cards are activated immediately, in stores, so that people can make credit purchases immediately. I also believe this practice is designed mainly to prey on people who may not have other access to credit but want their electronics. That does not describe me ; I took the card because of an in-store promotion. That does n't matter. Meat eaters are meat eaters, and to Citi and BestBuy, I am just more meat. 

I reported this information to Maryland XXXX, who referred me to the Maryland XXXX, who referred me to you. Neither offered to take any further steps.

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