vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Disputed a charge and was issued a temporary credit, with the promise to be contacted, if the additional information is necessary. No additional information has been ever requested, either before or after the merchant 's response was received. At that point, Citi billed me back for the dispute and refused to consider any of my supporting documentation. In reply to my numerous requests that Citi must follow their own dispute procedures, I received replies that failed to address the Citi failure. Instead, the Citi so called Executive Office, kept replying - the merchant responded, we rebilled. The Citi customer service has never been good, but it became impossible in the past few months. Their customer service reps on line and on the phone are no better than their so called Executive Office, of which nobody seems to be in charge. All requests to escalate this matter and to provide me with the name and address of the person in Charge of Executive Office ended nowhere. They are so confused that are not able to understand that the reservation was made and billed through XXXX, on a totally false advertisement of the totally miserable XXXX XXXX. The nonrefundable charge was processed by XXXX, who should be held fully responsible for this unfortunate transaction. Instead of understanding the issue, the only problem with the hotel reservation I had on my trip to XXXX in XXXX, 2016, the Citi incompetent customer service kept pointing out that the miserable hostel does not agree with my claim and this is why I should pay. I DID NOT RECEIVE THAT FOR WHICH I PAID. CITI REFUSED, REPEATEDLY, TO FOLLOW THEIR OWN DISPUTE PROCEDURES, WHICH IS WHY THEY MUST REFUND THE CHARGE FOR XXXX XXXX AND THE ASSOCIATED FOREIGN TRANSACTIONS FEES PS - ATTACHED HEREWITH ARE MY TWO FAXES TO THE CITI CARDS CEO. VOLUMES OF EMAIL MESSAGES THAT I SENT FROM BOTH THE SECURE MESSAGE BOARDS AND AS REPLIES TO THE CITI PROMISES TO REPLY ARE AVAILABLE

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 2016-01-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I called Macy 's credit department to report my credit card was stolen along with my wallet. So they cancelled that credit card and told me they would be sending me a new XXXX in the mail. After waiting for a week to 2 weeks ( XXXX ) I finally received my card and registered it online with Macy 's and set up my alerts as I do with all my credit cards. The same day I activated and set up my alerts I get an alert about a transaction that was made at the XXXX California store. I called Macy 's and advised them that I did n't make any purchases and received the card the same day. The customer service rep told me that someone had gone into the store and done an inquiry and gained my new account number that way. So she cancelled that card and told me that she had reported it to their fraud department. She also said she would be sending some paperwork so I can dispute the charges and to send the info as it is instructed on the paperwork. XXXX XXXX I receive the my first letter so I went ahead and sent them all of the documents it asked for and filled out their paperwork and sent it on the same day. Week goes by, I do n't get any kind of response so I called and and they said to give it couple of days for it to arrive. On XXXX XXXX XXXX as I arrive from my cruise I see a second letter dated XXXX XXXX asking for the same documents and paper to be filled out as the first XXXX. I immediately called Macy 's and asked them what was going on with my account and they stated that they sent a second XXXX for charges that were made on XXXX/XXXX/XXXX. I explained how can this happen if I had called and reported the fraudulent charges made on XXXX/XXXX/XXXX and at that time they cancelled the account and gave me a passcode to better secure my account. She said she did n't know how but that she had made notes to my account. On XXXX/XXXX/XXXX I called their fraud department to get an update on my case, I learned that my account was sent to collections and will be reported to the XXXX credit bureaus as a negative account but that after it gets investigated and if found that I did n't make those charges, they would call the collection company and have it reversed. They advised this could take up to 60 to 90 days after they receive the documents they requested in the mail. All this could have been avoided if Macy 's would ask for proper identification.

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 2015-10-02 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
A check was mailed to pay off my Macy 's account in full on XXXX XXXX, 2015, and to this day Macy 's still has not applied my payment to my account. Macy 's cashed the check, but refuses to apply the funds to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Lending Club Corp
State: MA

Complaint narrative:
I have had continual issues with a company called Lending Club Corporation. They are located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX. They had sent me an email stating I was denied credit on XXXX/XXXX/15. I received that notification on XXXX/XXXX/15. I looked up this company to see if they were legitimate, XXXX stated they were and supposedly they have a A plus rating with the XXXX. However when I wrote to them to tell them that I did n't apply for any loan they stated that if I felt like I was a victim of fraud then I needed to file with the FTC which I did, file a police report which I did and do an affidavit so they could share only with the police dept. When speaking with the attorney generals office, they said they can understand not speaking to me, but their stalling tactics with speaking with the police department raise a red flag. They were mailed an affidavit with all the info they required including my license and a utility bill. The were faxed the affidavit which they supposedly ca n't find and they were emailed the affidavit where I forwarded it from what the police dept sent me to their consumer advocacy group that required it. They continually get my affidavit yet they claim they do n't see it yet they did get the officers police report as they called him to tell him they ca n't discuss anything until they get the affidavit. I 've sent it 3 times to the address above attention fraud dept. they have it via email. All they do is stall and play games saying they do n't have it when there 's proof they do. They seemingly do n't want to speak to the officer either by using these stalling tactics. If they 're Legitimate and are n't phishing for info themselves then why are n't they sharing who applied for a loan in my name? Need help getting them to talk to the XXXX mass police officer that did the fraud report up. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank targeted me with a sign up bonus promotion of XXXX Thank You points for enrolling in their CitiGold checking account service. I completed all the requirements to receive this bonus, but now I am being denied this request. I have documentation from them that I have met the sign up requirements, but their latest communication to me is that I am not eligible for the bonus.

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 2015-06-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
my father passaway XXXX this year. unknown to me he had a XXXX mortgage that he paid religious for XXXX. as soon as he passing the mortgage start writing about forcloure. i now live in his house and is on XXXX. my father pass away with XXXX. he would not sign a contract with pathetic interest rate.the use to do people tax return ; he would not sign that contract if he was in is right mind.BOTTOM LINE I THINK THEY TOOK ADVANTAGE OR MY DADDY.i was his caregiver ; and i am his son. i am awaiting for his medical records to see when he was diagnois with XXXX. i talk to the vet hosital today and they told me it is in delay

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 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 would like to submit a formal complaint related to Citibank 's refusal to honor the CitiGold checking account promotion for XXXX XXXX XXXX miles after I had met all terms of the promotion. Upon enrolling in the CitiGold checking account under this promotion, I contacted Citibank directly via Secure Message to confirm my eligibility and ensure the promotion had been properly attached to my account. A Citibank representative replied ( see attachment for full documentation of my conversation with this representative ) and confirmed that the promotion had been properly applied to my account, my XXXX XXXX number had been linked, and I would receive the XXXX XXXX XXXX miles after meeting the promotion 's spending and bill pay requirements. Additionally, I also received hard-copy documents in the mail with my CitiGold welcome package that explicitly stated my enrollment in this promotion, and in no unclear terms also stated that the XXXX XXXX XXXX miles would be awarded upon meeting the promotion 's debit purchase and bill pay requirements. 

After meeting all of the promotional requirements in XX/XX/XXXX, I contacted Citibank again to get a time estimate of when I could expect to receive my promotional award of XXXX XXXX XXXX miles. Another Citibank representative responded and directly contradicted earlier communications from Citibank by stating the promotion could not be applied to my account, and the points would not be awarded. As a result, XX/XX/XXXX of requested an investigation be opened with CitiBank to escalate this issue. It has now been over a month, and I have still not received a response from CitiBank regarding the outcome of this investigation. As such, I have no choice but to escalate this to the CFPB to request their assistence in resolving this matter. 

To summarize, Citibank, through both physical and electronic communication ( see attachments ) has previously confirmed my enrollment in their Citigold promotion for XXXX XXXX XXXX miles. Upon completing all promotion requirements, Citibank has failed to fulfil their end of the promotional agreement, and has failed to respond in a timely manner to my attempts at resolving this issue directly with them.

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 2016-01-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I made a purchase on my credit card on XX/XX/XXXX I made a payment. 
Then XXXX XXXX I made another payment for my XX/XX/XXXX Bill And then XX/XX/XXXX I made a payment for my XXXX th Bill. 

I was charged a {$27.00} late fee for my XX/XX/XXXX bill. 

Apparently I was told that my bill ended XX/XX/XXXX so the payment I made went to the XX/XX/XXXX bill I explained what happened and the representative could see and understand but unformed me she would not reverse my late fee. That it was my fault for paying at the beginning of the month and not a bank error. 

I made a payment XX/XX/XXXX and was charged a late fee XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kross, Lieberman & Stone, Inc.
State: NC

Complaint narrative:
Kross.Lieberman and Stone is shown on my credit report as the debt collector XXXX for a XXXX medical collection. I did visit XXXX on XXXX/XXXX/XXXX and my insurance company was supposed to pay and did n't. XXXX collected my {$30.00} co-pay at the time of service. The total bill was {$320.00} but Kross/Lieberman has reported an outstanding balance of {$420.00} on my credit report. I wrote XXXX on XXXX/XXXX/XXXX offering to settle for {$150.00} but have yet to hear from them on my settlement offer. I battled with my insurer, XXXX of NC, for years to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I applied for loan with Citibank Mortgage now I already have a mortgage with them, I was asking to borrow money. I started this process in XXXX 2016 and turn in all the proper paperwork that was ask, I went through the underwriting process and was approve. 2 weeks ago now I was told I 'm not approve of the loan. I 've called several times to speak with some at Citibank Mortgage but all I get is voicemail. Please have someone to contact me about Citibank practices in the Home Mortgage department

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 2016-04-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Behind in payments on my daughters student loan, as co signor I got involved with the bank. On XXXX XXXX, 2015 they called and said I would have until XXXX XXXX, 2015 before it went to collection on XXXX XXXX, 2015. I made the payment that evening and it cleared that evening. The very next day the school paid the loan off in full without any communication with us either from the bank or the school. The school then sends the loan to collection without any communication with us and collection agency adds XXXX. I feel that the bank told me I had 30 days and the very next day closed the account out. Is this " fraud by deception ''? XXXX specialists from the bank assured me that the loan did NOT go into default and therefore was not going to collection. 



















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 non-monetary relief
Consumer complaint received 2015-09-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: AP

Complaint narrative:
Been receiving late fees from CITI due to no fault of my own. 
CITI has refused to settle this issue and/or repair their web page, never replied to the online messages i sent and/or responded to me from their service reps submitting trouble tickets for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a call from Citi yesterday - long story short, we are shy of 31 days paying the note and it was an oversight on our end ; sick baby, urgent care visits. The resolution from the call on XX/XX/2016 in the XXXX was that a double payment will be made by the end of the day ( we fulfilled on our end ). On XX/XX/XXXX, at XXXX I received an email dismissing what the agreement was. On top of already charging a late fee of {$37.00} and an interest of almost {$140.00} - I feel like I am being slapped in the face. Are the emails normal protocol. I feel that I was not given an opportunity to fulfill on my end when I did. Makes me, the consumer, feel irresponsible and out of compliance. I did call Citi and the customer service rep did not seem to care.

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 2016-12-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank obtained my credit report without my authorization. I requested a credit line increase on XX/XX/2016 through Citi Online self service. At the time of my request, a disclosure explicitly stated and I quote, " It 's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision. '' Therefore, I went ahead submitted my request and received a confirmation email the next stating my request has been received and will be reviewed. I 'll be contacted with a decision. Several days later, I noticed my credit line has been increased. This happened without further communication from Citi. Earlier this month, when I was reviewing my XXXX consumer report, a hard inquiry dated XX/XX/2016 was placed on my credit report by Citi. I consider this an unauthorized since Citi stated explicitly a credit report would not be pulled and I did not provide my authorization for Citi to do so. This could potential prevent me from obtaining other financial products or receiving a higher interest rate than I would without this inquiry. I 've contacted Citi several times and was placed on hold and transferred with extended period of time with no solution provided. Eventually, I was asked to send a letter to a PO box in order to have this reviewed. I do not feel the burden of proof should be on me since this is clearly an error by Citi. I would like to leverage the assistance of your agency to have Citi resolve their error and the inquiry removed from my consumer report as soon as possible.

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 2016-07-19 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 a Citigold Checking account with a coupon code that indicated I would receive XXXX XXXX XXXX miles after meeting the promo requirements : 1 ) Spend {$1000.00} on the debit card. XXXX ) Make a bill payment using the BillPay service for two consecutive months. I met the requirements quickly and awaited my points. After months passed, I launched an investigation into where my points were and was told that I was ineligible. It seems that Citibank had retroactively gone back and decided this offer was limited and targeted only, despite it not saying so in the literature. I feel like this was a bait-and-switch scam designed to get multiple people to sign up for their $ XXXX/mo Citigold checking accounts, without fulfilling their advertised promotion. It has become quite a well know issue, as many people are in the same boat as I.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
After obtaining a copy of my credit I noticed Citibank/XXXX XXXX on my credit file for student loans. First I have no recollection of them ever having my student loans. So I dispute the items with the credit reporting agencies, which the updated themselves as new information. I contacted Citibank/XXXX XXXX requesting that the account be deleted from my Credit Reports based on the fact that it was sold. XXXX XXXX XXXX XXXX ( Citibank ) must furnish account information to the national credit reporting agencies in accordance with Section 623 of the Fair Credit Reporting Act, Appendix A to Part 660, Title 16, Code of Federal Regulations, and the Consumer Data Industry Association 's Credit Reporting Resource Guide. Page 10-1 provides that accounts may be deleted if the account has been forwarded or sold to another agency, if the account was cancelled and returned to the original creditor, if the account was reported in error, or if the account has been confirmed as fraudulent. Citibank sent me a letter stating the FCRA required creditors to accurately report information to credit reporting bureaus about loan accounts and payment history. That they have reviewed my account history and have not identified any errors and they will remain for seven ( 7 ) years. 
I replied again requesting that the account be deleted from my Credit Reports based on the fact that it was sold. XXXX XXXX XXXX XXXX ( Citibank ) must furnish account information to the national credit reporting agencies in accordance with Section 623 of the Fair Credit Reporting Act, Appendix A to Part 660, Title 16, Code of Federal Regulations, and the Consumer Data Industry Association 's Credit Reporting Resource Guide. Page 1-1 of the Guide explains that " Both credit grantors and consumers depend upon consumer reporting agencies to acquire and maintain accurate credit histories. '' Page 10-1 provides that accounts may be deleted if the account has been forwarded or sold to another agency, if the account was cancelled and returned to the original creditor, if the account was reported in error, or if the account has been confirmed as fraudulent. 
So since this account was sold to XXXX from the letter from XXXX this account must be deleted. Citibank/XXXX than replies in order for them to review information that I believe has been reported in error, to send them an letter of explanation and a copy of my credit report. I sent them a letter of explanation the first time and they claimed they reviewed it and found no errors, I sent a follow up letter now they want another. Citibank/XXXX know what they are reporting because they are the ones reporting it. I should have to send them information they are reporting when they already admitted to what they are reporting.

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