vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Dear XXXX, I wish I could stop reporting Citibank every year to you, but hey continue to be clandestine about my closed credit card account balance. They just send ACH date and amount to be debited. 
On XXXX XXXX, XXXX I called Citibank 's IRU re : the current balance of credit card account ending in XXXX. The amount is never listed.The rep told me the amount and that fee 's and interest had accrued. I challenge the amount which the rep said was {$1300.00}. Citibank has never listed the balance each time they ACH my checking account. To add insult to injury the rep told me I made payment arrangements on XXXX XXXX, XXXX. I have documentation going back to XXXX, XXXX. Unfortunately I had to report Citi 's ruthless and unfair consumer tactics ( XXXX other accounts were also involved ) to the CFPB. Due to the bureaus intervention, XXXX of Citi 's client liaison 's assisted with all of the accounts with affordable and reasonable payments.The closed credit card payments were reduced from {$170.00} to {$70.00}. 
I feel that, again, Citibank is taking advantage of me! I never know my balance after each payment. If the Citi rep told me the arrangements were setup in XXXX XXXX, it seems past payments were not applied.

Company public response: Company 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: Rewards — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
My mother recently passed away and I was taking care of all her finances for the last XXXX years including the credit card. It was a dividend card. I paid the XXXX statement in full as all other statements and asked for the dividend XXXX check to be sent to her estate. They said no.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX/XXXX/XXXX at XXXX EDT, called Citi at XXXX Requested Citi Thank you credit card account XXXX XXXX XXXX XXXX to be closed. After resistance and repeated attempts to retain the account, I was advised the account would be closed. I then received monthly statements ( No payment due ). I called again, on XXXX/XXXX/XXXX at XXXX XXXX. was advised a glitch in the system caused the paper statements to be sent and that at cardholder request, the account was currently closed. Since then, I have received numerous statements via mail, indicating I have no payment due, a XXXX cent credit balance and a credfit limit of {$6500.00}. The account was never closed despite my requests.

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 2016-03-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My credit card accounts was close for no reason. I have been a customer for over 20 years and this is absolutely ridiculous.

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 2016-07-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
unfortunately due to family circumstances ( tragedy, emotional XXXX ) I inadvertently forgot to cancel auto renew with XXXX on an XXXX XXXX card - XXXX refused to even consider a proration and XXXX XXXX via XXXX will no longer assist former XXXX customers amount in dispute {$170.00} - advise CFPB to demand XXXX cease and desist

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 2016-04-05 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am a Citi credit card customer for almost 8 years. I made a credit line request from online account on XXXX XXXX 2015. The request resulted in a Hard inquiry on my credit report. 
The credit line increase with Citi card has always been a soft inquiry for me in the past 8 years. 
In response to my complaint with CFPB, Citi executive replied ( response attached ) " When a credit limit increase request is submitted, online or by telephone with a representative, the request may be instantly approved without a credit bureau review. If the request requires additional review, you are notified that we need to obtain a copy of your credit bureau report. " When I applied online my request was immediately denied. I did not get a message that someone will respond to me in 24 hours. Based on the Citi executive response I contacted them again and the representative mentioned it specifically mentions if my credit bureau report will be pulled. The website interface is very misleading, when a customer goes to Credit line increase page, sometimes it says " customer will receive instant decision and bureau report will not be requested and few other times it says " bureau report will be obtained and reviewed in 24 hours '' ( see attached ). I told representative that I might have been shown the page with bureau report required but since I was declined instantly it should have been the page when it does n't require credit check. When I asked for a proof the executive said, she can not provide the proof of which page I clicked on as the information is proprietary. I do not understand if it is my information why the bank can not share with me what I submitted rather than saying I must have clicked on the page which says bureau report required. 

I have attached below : 1 ) Previous complaint and Citi 's response. 
2 ) XXXX screenshots of different message on the same page which leads to confusion for the customer. 
I would appreciate if Citi can remove the hard inquiry as my request was instantly declined and if it was a hard pull page I would have got a message after my request that it will be reviewed within 24 hrs. 
It is sad that Citi can not provide the proof and mistrust a customer woh has been banking with them for 8 years.

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 2016-02-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I took out an unsecured loan with Citibank back in 2008 and a year later, I was working part time and did n't have enough to pay each month. I called up Citibank and negotiated with them and they referred me to a department that put me on installment plans and it was paid off as agreed. I now received noticed from XXXX that that Citibank has resend this off to collection and once again destroyed my credit rating. This is not a valid collection and I would like CFPB to look into this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, I purchased a five oil change package for our XXXX XXXX XXXX in the amount of {$220.00}. I received two oil changes, and then XXXX 's XXXX XXXX went bankrupt. I am disputing the undelivered balance of the oil changes. I calculate that I received 40 % of what I paid for, accordingly, I am disputing the balance due me of 60 % of the total, or {$130.00}. 

I submitted this dispute to Citicards in writing outlining the above. Citi confirmed receipt on XXXX XXXX, XXXX. Since then I have had a ridiculous amount of correspondence with them I have provided all the documentation they have requested including a copy of the credit card statement showing the charge, and the invoice from XXXX 's XXXX XXXX. I the most recent letters from them they have : Said my dispute letter was lost ; I resent it Claimed that the charge was made several years prior to the date shown on the credit card statement. I resent the documents, and clarified their error. 
Their most recent letter claims that they needed my dispute within 60 days of the dispute, and stated they would not honor my dispute. This stipulation is an obvious impossibility, given that the provider went bankrupt well after the 60 day period they arbitrarily stipulated. ( This also calls into question the content of the second letter recapped immediately above. ) It has become obvious that they are simple seeking any reason to deny my dispute. On XXXX/XXXX/XXXX, in wrote yet another letter indicating that I would be filing this complaint. 

I can provide all the documentation regarding this matter, as you may require.

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 2016-12-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A reversal of credit was posted to my account without my permission. I bought items from a vendor, the products received was only partial quantity. ie : XXXX pieces of an item and I received XXXX pieces and XXXX pieces of an inferior product. 
I disputed this issue with the vendor and vendor would only refund if I sent back the inferior product at my own expense. 
Doing so would only decrease my refund substantially, when I DID NOT order the inferior product in the first place. Their mistake and I should not pay. 
One later, Credit Card company reversed the credit and charged me the full amount of {$550.00}. 
After XXXX letters to Credit Card Company, this issue has not been resolved and I am advised I have no other recourse.

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 2015-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
They call my house every hour starting at XXXX and quit at XXXX then they call my cell phone I have explained to them that my husband passed away on XXXX XXXX He worked in XXXX And did XXXX years in the XXXX Before we got Married we were Married XXXX years when he passed! It is taking time to find out if I even qualify for any spouse benefits from over there I am to young to collect benefits here I have to be XXXX i have XXXX years yet but calling me XXXX days a week XXXX times a day is n't going to get the XXXX government to do any of their decision any faster!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have repeatedly requested information/validation on this debt bearing my signature and have not received anything starting that I owe this company any money. They have repeatedly responded stating that they have investigated and verified the validity of this debt and do not allow me to dispute their claim. I have never done business with Macys, never signed a contract, nor do I owe them any money.

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 2015-11-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank has pass a false debts to a number of collection companies. I been emotional as well as financially harassed. I have been unable to perform my daily actives, I can focus, sleep and eat due to stress caused by a debts that is not true and accurate. I was not informed that court action till years after the proceeding taken place. I did not and do no live at the address list on the court documents nor was I a resident or a visitor of that resident at the time they collection company claimed to served a summons into court due to my residency and visiting other states.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc
State: IN

Complaint narrative:
My medical bill was paid in full in XXXX 2015. The doctors office did not report it as paid and it is still being reported on my credit. I am fed up and want some sort of legal recourse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This debt was more than 7 years old the company continues to contact and harass me. I do n't owe this company anything. The debt that I had was through another company, I have asked them several times to stop contacting me but they still continue.

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 2015-09-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I pay my account in full every month and I am never late. However, I received a letter in XXXX 2015 that stated I had an unpaid balance. Unknown to me, I was set up on paperless billing and did not realize I had a balance due. Once I received the letter, I reached out to Sears and worked to resolve the problem and also paid the balance in full including late charges. 

The issue I am currently experiencing is that my credit report was dinged by a 30 day past due posting. My credit score took a significant drop. I reached out to Sears Cardmember Services via mail to request they contact the XXXX major credit reporting agencies to have this posting removed. They have refused. I feel this is the least they can due to their failure of disclosure when they changed the billing terms on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a XXXX checking account with a promotional offer ( XXXX - receiving XXXX bonus AAdvantage miles after meeting requirements ) on XXXX/XXXX/XXXX. After completing the purchase and billpay requirement associated with the promotion in XX/XX/XXXX, I contacted Citi customer service many times inquiring about the status of the promotion. Each time I was confirmed that I had completed the requirement and was qualified for the promotion, and I was promised that the bonus would post within 90 days of the statement closing date after I completed the requirements, which is the XX/XX/XXXX. However I have not received the promised bonus miles as of XXXX/XXXX/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 2015-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
CitiMortgage is reporting my mortgage account to the XXXX major credit reporting agencies as 30, 60, 90, 120 days late, beginning XXXX 2014 through XXXX 2014, which is incorrect. I entered into a loan modification agreement during this period of time. When I first contacted CitiMortgage, I was informed that I would have to be 30 days late before I could be approve for a loan modification. I applied for the loan modification because money was extremely tight due to previous job loss and very serious medical conditions for both my wife and I, however, I was fully prepared to make the XX/XX/XXXX payment. Per instructions from CitiMortgage and in order to qualify for the loan modification, I did not make the XX/XX/XXXX payment and was subsequently approved for the modification. I made each payment, per the modified agreement, beginning in XXXX 2014 and continuing until now. However, the payment history now being reported by CitiMortgage reflects that I not only failed to pay in XX/XX/XXXX, but also XX/XX/XXXX and the following months through XXXX 2014. 
I have disputed this directly with CitiMortgage ( see attached ) and they have verbally communicated that they will not change this erroneous reporting because this " is just how we report it. " Therefore, the only conclusion I can come to is that CitiMortgage is KNOWINGLY and INTENTIONALLY reporting this inaccurate information in violation of the Fair Credit Reporting Act after being informed of their error. 
Since CitiMortgage obviously does not care about the consumers they are harming and is refusing to correct this error, I request that the CFPB step in and assist me with raising my issue to the appropriate management levels at CitiMortgage who have both the authority and willingness to right a wrong that is causing harm to a consumer.

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: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I refinanced my mortgage in XX/XX/XXXX, and part of the process is to pay my outstanding debts. The escrow sent me checks payable to Macy 's for {$2800.00}. I returned the checks because there was an excess of {$800.00} or more, because Macys wo n't refund me cash, instead will just give store credit. But until now the escrow can not pay my Macys debt. I called Macys and said they assigned me new numbers which they do n't want to give me or to the escrow company. I want to close this account, because Macys has been charging me twice for a late fee ( if I am late ), in XXXX credit card. I keep paying the balance of my Macys to avoid penalty fee and keep paying my mortgage including my collectible of {$2800.00}.

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 2016-07-06 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 signed up for a promotional offer from Citibank. I was to get XXXX XXXX XXXX miles after signing up for a new Citigold account and meeting various criteria. I confirmed with a Citi customer service representative that I was enrolled in the promotion and fulfilled the requirements. However, after waiting months for the reward miles, I contacted a Citi customer service representative again and was told that Citi was not going to honor its promotional offer.

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 2016-08-14 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a Macy 's credit card. I paid off my balance on XXXX XXXX, 2016 and then was charged an interest payment on XXXX XXXX, 2016 XXXX {$2.00}. I tried to use my card on XXXX XXXX at a Macy 's store but was informed that my card did not work. This was embarrassing. I called and found out that my account had a balance of {$6.00}. I went online to view my account history and saw that I was being charged {$2.00} a month in interest on my XXXX balance account since XXXX. I sent in an email requesting that they remove the interest fees and asking why I was being charged interest if my balance was XXXX. As of XXXX XXXX, I now have a balance of {$8.00} on my account. Macys credit card is continuously charging interest on XXXX account balances and revoking customer privileges from using their card due to them trying to get more money from their customers. This is a form of UDAAP. because it is unfair for the company to charge customers fees on XXXX account balances.

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 2015-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The call was coming from an unknown number and had called XXXX times yesterday, in increments 4 hrs apart, and again at XXXX this morning. I finally answered assuming it was important. A female caller asked for me and I said this is she. She then asked to verify my address. I asked her to identify herself and she provided her name and some random employee number but DID NOT identify where she was calling from. I asked her again WHERE she was calling from and she refused to do so. She said I am calling about an important private matter and I need to verify your information first. I told her I was NOT giving her any information until she advised where she was calling from. She refused to do so and said " thank you we will try another time '' and hung up on me. I did research online and found the number belongs to IC Systems. I am not aware of any outstanding debts at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Sears/Citibank is reporting a balance on a paid account ; I have disputed this account both with the XXXX major credit reporting agencies ( XXXX, XXXX, XXXX ) and directly with Sears/Citibank and the account is still reporting incorrectly ; I 've attached credit reports showing that the account is reporting correctly with a XXXX balance on XXXX of the XXXX credit reporting agencies but with a balance of {$6500.00} on the third ; the first credit report shows the balance reporting on XXXX, but after disputing directly with Sears, the XXXX credit report shows that the balance of {$6500.00} is now reporting on XXXX and not XXXX, a clear indication that Sears 's internal records are absolutely messed up ; this account should be reporting a balance of {$0.00} on all XXXX credit reporting agencies.

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