vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-10 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have recently come to the conclusion that I have been victimized by the work from home online business scam and I would like assistance disputing the charges paid to these fraudulent company. I am requesting all transactions with a company by the name XXXX XXXX XXXX, XXXX on my Simplicity card be disputed I paid them on XX/XX/2016, after they contacted me by an unsolicited telemarketing phone call.They charged me {$3000.00} for an online at home business. They charged me {$500.00} on my card and they were supposed to charge my bank account a monthly of {$120.00} per month. I cancelled my services with them within the 3 day cancellation period. I have allowed more than enough time to pass so they could refund me. I have come to the realization that they took advantage of me. Also they never provided me any services.

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 2016-01-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX I received a bill from Macy 's stating that I was pat due XXXX dollars even though I had not made any purchases since XX/XX/XXXX. I paid it off and this month when I go to pay my bill I find another charge. Checking on my statements I noticed a " minimum interest charge '' of XXXX dollars very month even though I did not make any purchases. After speaking with customer service agent and doing internet research I see a lot of people having this issue. I hope you can do something to stop this blatant thievery of Citibank/Macy 's. This is just a gimmick to steal money. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XX/XX/2016 I purchased item from XXXX 's XXXX XXXX using CitiBank Visa and returned item to the store on the same day, XXXX 's charged me twice for the item. When I reviewed my statement I noticed the charged, contacted CitiBank and asked them to reverse the charge. CitiBank initiated an investigation, requested numerous documentations and reversed the charges. Since then, Citibank has informed me twice that the merchant advised them they never received a return and reversed the charges, effectively adding {$470.00} in charges to my account. I disputed the charge again, going through the same process, and I received final notice this week that the merchant has once again denied receiving the return and the charges were added back to my account. CitiBank also informed me that there was nothing else they could do and that I would need to seek other means of addressing the problem. XX/XX/2016 I contacted the retailer, informed them of my issue and was provided with the location 's loss prevention manager contact information. She was contacted XX/XX/2016, we spoke for 10 minutes and I was instructed she would call me back with information. The loss preventin manager contacted me 40 minutes later and informed me that she was able to video validate my information and would be able to refund the {$470.00} as soon as I was able to come to the store. She also reported that she has not received any contact from Citibank regarding my dispute. My complaint, CitiBank mislead me over the course of 3 1/2 months regarding the resolution of my issue and then informed me there were no additonal steps they could take. How is it then that I was able to resolve the issue in only XXXX20 minutes of direct talk time?

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 2015-09-16 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Applied online for a balance transfer credit card, XX/XX/XXXX. Was informed that information would be sent, not informed of approval until materials received on or about XX/XX/XXXX Beginning of XX/XX/XXXX realized new account had paid maximum cash loan line to previously identified card. Billed for this on XXXX, statement period closed XX/XX/XXXX. Received bill for cash payment on account and transaction fee while loan terms were for no payments on balance transfers until XX/XX/XXXX, at 0 % interest. Customer service was unresponsive, claiming that various methods of application other than online could have led to different results. Loans approval paperwork and first payment request indicate balance transfer offer on loan transfers XX/XX/XXXX and no payments, no interest until XX/XX/XXXX. I have filed a report to Florida State Attorney General 's office this date. Please advise of further course of action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I contacted Citibank about refinancing my mortgage. I was given a rate which would be locked in for 60 days. I was given a list of documents to submit. I scanned and sent the documents. As these were being reviewed, I would get more requests for various information, which I continued to submit. I paid for a an appraisal of my home which was set up thru the bank. I continued to respond to the requests for more information. Seven days before the end of the rate lock, Citi is still requesting more information. We are are now at day 70 and the staff that was working with me is on vacation. I have no idea if I was approved or not for this loan. This loan should have closed weeks ago.

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 2016-02-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My credit statement was set up for e-billing however, Macy 's American Express, for some reason did not have have e-mail address on file to send the bill. I confirmed this when I called Macy 's credit department. I discovered that they had put a 30-day late payment on my credit report through my XXXX XXXX notification, but Macy 's had n't tried to contact me in any other fashion. When I called them and asked what charges could be on my card they said there was XXXX charge in the state of Washington, a place where I have never been. They said on or around XXXX XXXX, 2015. I was in XXXX XXXX at that time. I have receipts to prove this. They added late fees even though I was never notified. If they had had an e-mail address I would have been alerted to the fraud. Now I have to wait 7-10 days before I receive a fraud report to send back to them. Macy 's says it will take 90-120 days for it be investigated, and another 90-120 days for this to be taken off of my account. Plus I paid the bill so it would n't continue to hurt my credit score. And I 'll have to wait 6-9 months before this is removed from my credit card 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 2016-02-05 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A manager at Citibank in XXXX, CA offered me XXXX different promotional bonuses ( XXXX bonus of {$800.00} and a XXXX bonus of 5 times the current interest rate ) if I opened a checking account with {$100.00} and a savings account with {$200000.00} and kept the money in the accounts for 90 days. ( She also talked me into applying for a Citigold Double Cash Reward credit card and told me it was a Visa card, which I needed. When I received the credit card, it was a MasterCard, not a Visa card. ) After the 90 days, I finally received the XXXX bonus of {$800.00} but the branch said they had to file a dispute for the XXXX bonus. I spent over a week visiting the branch and calling Citigold 's customer service number multiple times, and was given XXXX completely different reasons why I had not received the XXXX bonus. The branch manager finally told me that the manager who opened my accounts made a mistake telling me I was eligible for both bonuses and refused to honor the XXXX bonus even though she agreed it was their manager 's fault. I could have complied with XXXX the other XXXX reasons why I supposedly was not eligible for the XXXX bonus, but after speaking with the branch manager, I closed out both of my accounts since it seemed fruitless to pursue the matter any further.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
fiance wrote a check from XXXX for XXXX which I deposited in my Citibank account on XXXX/XXXX/16. On Monday XXXX/XXXX/16 I traveled to New Jersey for work and much to my horror when I accessed my Citibank account I was told it was blocked and all funds of XXXX plus were blocked due to suspicious activity. I subsequently was told by fraud dept that there was an advisement on check not to pay. However this is a lie as I also had conversation with XXXX and funds were released on XXXX/XXXX/16. Citibank now states check is good but wanted me to wait until XXXX/XXXX/16 to release funds. When I asked for proof that XXXX ever stated that the check would not be paid the fraud person XXXX became extremely rude and told me the info was proprietary and I was not privy to it and I was also told too bad that I would have to wait until XXXX/XXXX/16 at least until having access to a check that that Citibank knew was good on XXXX/XXXX/16. Needless to say I am extremely frustrated, angry and humiliated by the Citibank 's handling of this matter. The need also to make good on all late fees and penalties that I have incurred.

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 2015-07-14 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX continues to pursue this debt that is time barred and created from identity theft on a authorized user. They have a computer generated report ( hearsay information ) with wrong amounts and dates. I have informed them on several occasions, and proven to them that their information is inaccurate and they continue their pursuit. I am now having to go to court. I spoke with their attorney who has given false statements and does not do what he says he 's going to do

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Earlier this year, a rep from our mortgage company ( CitiFinancial ) called to let us know that they were going to possibly be readjusting our mortgage. They said they would be sending someone to do an appraisal, and based on the determined value, they would be reducing the amount we owe on our house. They also said they would be giving us better terms for our mortgage. Since we have been paying on our mortgage for ten years and the principal has not gone down at all, but has actually increased, we were pleased that our terms could improve. They then had us begin working with another company ( XXXX XXXX XXXX ). This other company made it seem as though they were going to refinance our house for the amount of our appraisal and would give us a better interest rate ( our rate through Citi is around 10 % ). They gave us a list of things we needed to provide, and we gave them back the information they requested. They then sent another large packet of information to send back to them. This took us a long time to complete, and was complicated. We sent it back and had it returned a couple of times because they wanted more information. We gave them what they wanted. They then sent us another long list of things we would need to repair on our house to qualify for the mortgage. They said that our house would only appraise for the amount we conducted all the repairs. These repairs were extensive and would have cost us more than XXXX dollars to complete. They gave us a deadline ( a few weeks ) and then stopped working with us. Recently, I began looking online for some information about our mortgage company to see if there was a reason why they had to contact us in the first place, and I learned that on XXXX XXXX, 2014, Citigroup announced that they came to a settlement to resolve residential civil claims of predatory lending. Here is what I found : XXXX. I believe our loan was one of the loans that should qualify for " principal reduction and forbearance for residential loans, as well as other direct consumer benefits from various relief programs. '' We believe that it was never the intention of CitiFinancial nor XXXX XXXX XXXX to ever refinance our house or reduce our mortgage amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citicard Corp. continues to decrease my credit as I am paying down my balance, My desired resolution would be to get permission from me to run a credit check continuously when ever they feel they want to without asking. They say they sent me an email but I received nothing and also a text message but again simply not true. I authorized them one time to do this credit check initially to obtain their card I no longer desire to have their credit cards so I am paying them off and closing the accounts. The card company representative had informed me that she checked into this and seen that XXXX credit consumers has this listed on my credit report I did not give them permission to check my credit over and over again without consulting me first.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The Citi Prestige Card -- there 's a benefit that states the forth night is free at any hotel worldwide when booked through their travel service and booking a non-discounted, GDS-avaibale rate. Well that sounds great, but their travel service seems to cherrypick when they 're going to make a hotel available, and the process itself is very cumbersome ( call, make a request, maybe get an e-mail back in 24 hours ... ) I 'm a travel industry/technology insider, so I understand very well how GDS, TMCs, and the hotel booking process works. 

I attempted to book a personally important trip by calling the Citi Prestige Concierge a few times. Finally, I received an e-mail stating both of my preferred hotels were unavailable, even though they were, of course, available. Each time I checked online AND called the property ( in XXXX XXXX ) to confirm, and the availability was there. I asked ( repeatedly ) that the Citi agent just transfer me to the XXXX XXXX agent so that we can resolve it, but I was told new Citi policy forbid this. 

Finally, I gave up and booked the four night stay directly with the property. Citi should honor their customer commitment and provide me with the fourth night free. It 's an expensive hotel, but it 's peak season in a far-away land. That should n't affect Citi 's willingness to honor their promise and core element of marketing the card to it 's intended demographic ( their words ) affluent consumers on a worldwide basis. 

Also, Citi should think seriously about providing an online booking system just as XXXX and XXXX do for their hotel benefits on their top-tier credit card programs. I believe XXXX XXXX provides those services, and it does n't make any sense at all to involve XXXX people ( minimum ) PLUS the customer PLUS 24-48 hours on each request. It 's almost as if the process is designed to be too cumbersome to be used. 

To the regulator : imagine if booking a ticket or hotel room through XXXX took multiple people, multiple phone calls, and 24, 48, 72 hours of waiting before even knowing if the hotel is available ... and this is supposed to be a " high-end '' service on a {$450.00} per year card. 

Again, a simple ask to Citi : that they honor the 4th night free benefit given that I booked directly with the hotel as a non-doscunted " rack rate, '' and I 'm charging the hotel stay to my card. Also, that in the future, they consider how to simplify the process supporting this primary advertised benefit of the card. 


Thanks, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
In XXXX of XXXX I was notified by the fraud department of my XXXX XXXX card they had detected some weird activity on my account and did not think it was me, I verified it was not me making the charges, it was only {$47.00}. They immediately closed that card or account #. It is now XXXX/XXXX/XXXX and they still have not taken care of the charges they do however keep adding the late fees to my account and it 's not {$150.00} and I call them every month and get the run around saying they will take care of it and they have n't yet. But they turned me in for negative payment on my credit report, which they should not of done since this is under dispute. I have sent in my statement of Fraud twice, I am at a loss on what to do.

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 2015-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: John C. Bonewicz, P.C.
State: IL

Complaint narrative:
XXXX , XXXX KEEPS SKIP TRACING, BACKGROUND CHECKS UNLAWFUL SERVICE OF SUMMONS AND LAWSUITS. TCPA, FDCPA AND COLLECTION FRAUD ET..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Stenger & Stenger, P.C
State: IN

Complaint narrative:
Debt buyers law firm filed only account statement made by law firm and affadavit of debt no other documents to prove ownership I filed counter claim now they want a mutual release to end lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have had a Macy 's credit card for years. I was emailed a statement notice on XXXX/XXXX/XXXX. Previously, I have paid when notified without question, but this time I knew I had not used my card in a very long time. I thought maybe someone had fraudulently used my card. When I looked through the past statements, I found that I have been being charged a minimum {$2.00} per month interest charge even though I have not purchased anything on this card. Is this legal?? This makes me wonder how many times I have paid this questionable charge unknowingly. I can only see the last six months online, and all dollars I have paid to Macy 's within this time frame have been strictly for this charge. I suspect they may have been posting this charge on my account for even longer. 

I fully paid off my balance owed XX/XX/XXXX, and since then I have not made any purchases, I did not expect to have owed anything. I only have made payments when Macy 's emailed to notify me. I also noticed that Macy 's has dropped my credit limit to {$100.00} from {$600.00}, surely due to my late payments of these questionable interest charges. How is it I am being charged interest on nothing purchased? Once I paid off my balance in XX/XX/XXXX, I was still assessed this iffy charge XX/XX/XXXX, and then monthly ever since. I will attach a copy of the statement showing I had paid off my balance fully.

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 2016-06-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My husband and I were victims of bank fraud last XXXX 2015. Our bank account was depleted and overdrawn. All bills bounced, including rent and utilites. The bank cleared the issue and gave us back our money. In the mean time they gave us a letter explaining the bank fraud that we could give creditors that bounced transactions. One of my creditors Sears/Citibank N.A. wold not accept the letter or let me make partial payments on my credit card to catch up. Then they sent me to collections. Even after having closed my account and sending me to collections they continue to send me bills which continue to rise. They wo n't accept partial payments and I have tried to dispute the charges but they will not cooperate.

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