vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Even with a XXXX balance, Macy 's Credit ( CitiGroup ) charges a {$2.00} interest free each month. They also participate in a Residual Interest scheme, so even if you pay off your balance by your due date, they will charge interest on that balance. This is not explained or adequately disclosed.

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 2017-03-04 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 my account on XX/XX/2016 and funded the account on XX/XX/2016. I opened it with Promo Code - XXXX ( XXXX ) and that promotion stated. " There will be a bonus of {$400.00}. To get the bonus you must either open the Citibank account package and the Citigold account package and deposit {$15000.00} of new to Citi funds within 30 days and keep it there for 30 days. The bonus will be deposited within 90 days from the date that you meet the requirements. '' It is well past the 90 days and I still do n't have the {$400.00} bonus. I have contacted Citibank several times and I continuously get the runaround on the bonus. I was told I did n't have a XXXX but I have sent that XXXX FIVE ( 5 ) times to them at - CITIGROUP XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX which is the address Citibank provided to me. They show that it was received but keep claiming that the SSN does not match my bank account name which is a LIE. I then send it a 6th and 7th time of the XXXX WITH a copy of my driver 's license, a copy of my SSN, and a copy of my tax return. All items match with my SSN on the XXXX form. I feel that Citibank is doing EVERYTHING POSSIBLE in order to avoid giving me the {$400.00} bonus EVEN though I have met every single condition of bonus offer. It is now XXXX and it has been over six ( 6 ) months since I have opened the account and left the {$15000.00} in the account without a penny of interest or the bonus. Can you please investigate this matter? I have XXXX this online and Citibank is KNOWN for pulling these illegal shananigans in order to keep from paying the bonus they promise to their customers to get them to place money into their bank.

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 2016-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My account was closed by Citibank without due process due to an issue created by another bank 's process ( please refer to CFPB dispute # XXXX for other open dispute with that bank ). I was not given any reason for doing so by the representative on the phone, nor was I given a contact phone number to resolve this issue. I was unable to reach a supervisor to discuss this further.

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 2016-07-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: MA

Complaint narrative:
The company Lending Club of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, USA, Has violated Regulation " Z '' and additionally failed in Crediting Payments as of the Date of Receipt Section 226.36 ( c ) requires loan servicers to credit a payment to a consumer 's loan account as of the date it is received. They have also failed to validate the debt by the standards established by Federal Law and the FTC within the allotted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I called the phone payment system like I do every month to pay this was in XX/XX/XXXX. My husband and I decided to pay our Citi bank card off the phone payment system asks you if you want to pay the min payment or the balance. We opted for the balance it was over {$5000.00} dollars. We paid it off. Several months went by and just this week we started getting phone calls a out a past due balance? I was shocked. I told them we paid this off in XX/XX/XXXX there should not be any bal left they said the amount the phone system gave me was not the total due there was a {$36.00} dollar charge and interest and late fees now added for 3 months worth of non payment adding up to {$250.00}. I told them I have no problem at all paying a XXXX charge and interest if I owe it but the late charges are not my fault I had no idea. The customer service person said you need to log in and check your statement I told her I had no reason to we paid it off. I do n't think this is fair at least the automated system when it asks you if you want to pay the total balance due should be accurate. I closed the account and we will never do buisness with citi bank again!

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 2015-11-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My wife and I have a Sears credit card issued by Citibank, my wife is the main user on the account. We purchased a washer and dryer on an interest free finance option over 1 year and paid it off ahead of time. The minute we paid off the Sears balance, Citibank started calling our home phone number claiming I owed them money. 

We have told them many times we do n't owe them anything and asked them to not call our house again to no avail. I went to a local branch of Citibank and explained the situation and a representative from the bank told me they do n't handle Sears accounts but called the number Sears gave me to call while I was there. I spoke with a person by the name of XXXX, who would n't give me her last name ; I gave her the last XXXX digits of my social security number and she verified I do n't owe them anything, that the information they had was for another person and they would remove my home phone number from their calling list. 

They have continued calling me on daily basis, sometimes several times a day. They have been told over and over to not call again but they choose to not believe us and continue calling. I have excellent credit and I am a responsible person. The people calling speak XXXX. Their most recent call was at XXXX XXXX this morning, XXXX/XXXX/15 from XXXX, they call every day of the week at all times, sometimes they call from numbers not identified as Citibank. My wife answered the phone this morning and advised the woman calling, who did not identify herself, to not call our house again, that I had gone to the local branch of Citibank and contacted them to clear this, that they are calling the wrong person and we were going to report them. She said she would remove our number from their calling list, hopefully there will be an end to their calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I recently signed up for a bank account with Citibank due to a promotion they were offering of XXXX XXXX XXXX miles upon successful completion of certain requirements. The promotion was confirmed to be attached to my account with an online chat representative and I completed the requirements. However, Citibank is now stating I am ineligible for the promotion and will not credit me the miles. Since there is not even a Citibank branch near my house or work, the bonus was a strong factor in applying for the account and outweighed the lack of convenience and got me to deposit my funds with their bank. I believe it would be deceptive and bad practice to not honor this promotion since it was a strong factor in even choosing their bank.

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 2016-06-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello, I signed up with Citi Executive Card because I was told it includes access to many Airport Lounges. However, after traveling to a few places in XXXX, I found out that the card is not accepted in those Airports. When I returned home, I called Citibank to cancel my card. I was told I will get {$450.00} annual fee credit back to my card since I was still within the 37 days allowed to cancel the card. Its been almost 3 months and I have yet to get the credit back. Every time I call, they tell me to wait a little longer. And now, no one asnwers from customer service. I am furious and this is unacceptable. I need my money returned to 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 monetary relief
Consumer complaint received 2015-09-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My card was stolen & I received a bill from Macy 's for XXXX men 's items from XXXX NJ store- I never chargedI called thief Fraud line and reported the card stolen - I kept receiving bills & kept calling to take charge off and CANCEL the card - I also wrote XXXX lettersToday I got a call from collections!!!!! They never cancelled the card or credited my accountAll Macy service is OFF Shore not in U.S. - they say they will cancel and never do - apparently they ignore letters as wellThis company can not be trusted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
At approximately XXXX EDT on Friday, XXXX XXXX 2015, I placed a call to Citigroup ( at telephone number XXXX - hereinafter the " XXXX number '' ) in regards to a closed account. I was instructed that the people available on that line were not able to help me, but that I should call another department within Citigroup at telephone number XXXX ( the " XXXX number '' ). 

At approximately XXXX EDT on that same day, I followed the recommendation of the Citigroup employee, and placed a telephone call to the XXXX number. When an unnamed representative answered this call, she answered the call as " XXXX XXXX XXXX XXXX. '' As I had been led to believe that the XXXX number was another office within Citigroup, I was confused, and asked for clarification. 

After being assured that yes, I was in fact speaking with a representative of Citigroup, I proceeded to divulge personal details - including, but not limited to my name, address, and social security number ( or a portion thereof ). 

After divulging this information, I was informed that the telephone call to the XXXX number constituted an attempt to collect a debt, and that I was not, in fact, speaking with someone who had any connection to Citigroup. I was further told that XXXX XXXX XXXX XXXX is in no way affiliated with Citigroup, even though this directly contradicted the information provided immediately earlier by agents and/or employees of both Citigroup and XXXX XXXX XXXX XXXX. 

I believe that during the call to the XXXX number, an agent or employee of Citigroup did engage in unfair, deceptive, and abusive acts and practices, in violation of the Dodd-Frank Act. 

I also believe that their actions may have violated the Fair Debt Collection Practices Act, as follows:1. Violation of 15 U.S.C. 1692 ( e ), Paragraph 10 - " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ; '' 2. Violation of 15 U.S.C. 1692 ( e ), Paragraph 14 - " The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

The Citigroup employee either knew or should have known that the XXXX number was not, in fact, another department within Citigroup, and certainly should not have represented that it was. I believe that this unfair and deceptive act may have been sanctioned by Citigroup, pursuant to a forward flow agreement with XXXX XXXX XXXX XXXX, who periodically purchase defaulted consumer credit accounts from Citigroup.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
A representative pounded on our door on a Sunday afternoon. This person nearly woke our sleeping XXXX month old, and was rude when my husband answered the door. They handed my husband a fake summons ( it was not filed with the court-no clerk 's stamp or signature ), and this was an attempt to scare tactic us into paying the medical bill in full. The bill was less than {$1000.00}. I had just weeks before made payment arrangements with the hospital of {$200.00} a month to resolve any past medical bill debt. ( We moved and did not receive all bills until updating our address. ) After calling, apparently the hospital sold part of the debt to XXXX different XXXX and the BC services was XXXX of them, and was unbeknownst to me not included in my payment arrangement. BC services should not be allowed to pound on my door! A simple phone call would have sufficed.

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: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I WENT TO MACYS TO BUY SOMETHING, AND I WAS APPROACHED BY A SALES ASSOCIATE. SHE TOLD ME THAT SHE HAS A MACYS STAR PASS FOR 20 % OFF MY PURCHASE AND THAT I NEED TO GIVE HER MY NAME AND SOCIAL. I EXPLAINED TO HER THAT I AM NOT INTERESTED IN A MACYS CREDIT CARD, SHE SAID THAT IT IS NOT FOR A CREDIT CARD. THE SALES ASSOCIATE GAVE ME A MACYS STAR PASS AND I BOUGHT BABY CLOTHES AND A QUILT. A MONTH LATER I GOT A BILL OF A CREDIT CARD FROM MACYS. I HAVE NEVER RECEIVED A MACYS CREDIT CARD AND I WHAT I BOUGHT THAT DAY I PAYED IN CASH AND I USED MY MACYS STAR PASS. NOW MACYS IS SENDING ME BILL RECEIPT STATING THAT I OWE THEM. I WENT TO MACYS TO SPEAK PERSONALLY WITH THE SALES ASSOCIATE WHICH I WAS TREATED VERY BADLY AND I AM STILL DEALING WITH AND STILL BEING BILLED.

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 2016-01-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
When my new Citi XXXX was opened in 2014 it was opened with electronic statements to be sent to me via email. At the time it was opened I did a balance transfer, the email address Citi had on file was not correct, causing the account to go late and subsequently past due. During this time Citi made no effort to contact me for updated information, even when the first payment was missed there was no attempt to reach out. Upon recognizing that my account had no only fallen past due but also had reported a late payment to my credit report I contacted Citi and make the necessary payments to bring it current, paid the late fee, updated my email address ( see attached email confirmation ), and setup auto payment to assure that this would not happen again. When I spoke to the associate and inquired about removing the mark from my credit report, I was advised that I would need to request that in writing and the associate was not able to assist. I then contacted Citi via their website using the " Contact Us '' option and requested, I received a response telling me I needed to call in for that which was in contrast to what I was told before. I called some time later and was told that they could not remove the mark because it was too old, this is why I am now reaching out to the CFPB, I feel that Citi failed to provide me with a timely statement, failed to contact me once they realized that the email address they had on file, and failed to correct the problem once I called by passing the buck instead of owning the problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Consumer abusive practices by Citi AT & T Universal Card. 
Via phone call, requested Citi Bank AT & T Universal Card be cancelled. After phone call requesting cancellation of the card, received a new card, and continued to receive loan solicitations from Citi AT & T Universal Card. On XX/XX/2016, once again requested that card be cancelled. 

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 explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's Debt Collection XXXX is contacting, an employee of XXXX XXXX who does not have a Macy 's credit card and attempting to get her social security number and asking her about other people who work at XXXX XXXX once they learned she does not have a Macy 's account. They call 3x 's per day and go thru the IVR to get to her extension. It is very annoying and disruptive. It seems like a scam to get information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Purchased an ebook from a website XXXX. It has a 30 day money back guarantee if we send in an email stating why we wanted the refund. I did send in an email stating why I was unsatisfied within the time frame and the website owner denied us our refund. XXXX XXXX at XXXX claimed that we had to do additional steps that I was not aware of. I was not aware of these additional steps because you can only see them AFTER they have your money. I then went through my mastercard citi bank card and filed a claim. The credit card company did not investigate my information that I sent in. They used the sellers information that was after I had purchased the product. Please advise how I can get my money back as Citi Bank MasterCard did not do a thorough investigation.

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 2016-01-15 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a Macys American express card setup with electronic statements. 
I have had this card for many years and have never been late or not paid the minimum balance. 
At some point about 3 months ago I no started to no longer receive these statements and did not notice At this point Macys began to call my house multiple times a day however when answering the phone there was nobody on the line and the dialer would hang up on me. 
When I contacted them they stated that my account was past due so I made a payment in XXXX to bring it current and let them know that I was not receiving electronic statements and to enroll me in paper statements. A few weeks after this I decided to payoff the account and made a payment of over XXXX dollars. 
A week later I receive a letter saying that due to being delinquent they were lowering my credit limit due to me not paying Which I know can be negative on my credit report. 
This takes us to XXXX of 2016. I receive a notice in the mail saying that my account has a balance of XXXX and is overdue. 
Once again I did not receive a statement either electronic or paper prior to this late notice. 

After years of being a good customer they are going to potentially cause issues to my credit report and score due to a billing error on their side.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX AAdvantage miles points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 

After enrolling with the promotion code, on XXXX XXXX, 2016 I contacted Citi through messaging and received confirmation that the offer was attached to my account. 

On XXXX XXXX, 2016, I confirmed with Citi through messaging that I fulfilled all terms of the offer and to expect my bonus around XXXX. 

On XXXX XXXX, 2016, I asked when will I receive my bonus AAdvantage miles and I was told that " Our promotion offers are available by invitation to specific targeted clients by an email listed and/or letter sent by mail from Citibank. " Even though I have a written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

On XXXX XXXX, 2016, I asked Citi again that I got written confirmation from citi represtative that offer was attached to my account but Citi denied and I was informed that my bonus would not be honoured. 


Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. The CitiGold checking account has cost me { {$60.00} } in fees so far and does not deliver its promised benefits. 

Citi must give bonus AAdvantage miles immediately and refund the {$60.00} fee that they have charged so far and or additional steps will be taken to collect my promised bonus and refund the charged fee. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.

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