vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My account ending in XXXX had fraud on it and I filed this complaint last time and a person from the bank names XXXX got back, but she never did anything about it and she dropped contact. I tried calling and reaching her numerous times and even sent the information to her that she requested but she just disappeared.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I missed one payment, and Citibank has called me over 15 times in the past 3 days. I have spoken to them twice to explain that I had been out of work, and that I was expecting my 1st paycheck in the next couple of weeks. I have also requested three times to have them stop calling, but they have persisted.

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 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i am having trouble with my mortgage and my equity loan with BOA. They converted my mortgage with my equity loan and still charge me separate for an equity loan that I know nothing about it I tried to call them on several occasion trying to clarify this issue I ca n't get any answer from the loan officer or mortgage manager Now BOA is trying to foreclose my house or ask ask me to do a short sale on m, y house while I am still paying my mortgage. every month

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 2016-05-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a dispute with Citi Bank over a purchase with XXXX. The issue was that XXXX would not honor their return policy. I purchased a bed frame from XXXX and was dissatisfied with the quality, thus I went to return. XXXX refused to accept the return even though it was within the proper time frame and inside the original boxes the item came in. 

I call my credit card company to opened a dispute stating they refused to except the package. Citi Bank sent me a form to fill out and with it I attached a letter explaining my exact reason for wanting to return it, I was establishing it was a return with cause and not in bad faith Citi Bank then went against my claim once they received a boilerplate answer from XXXX. Citi Bank refused to look at the evidence and returned the money to XXXX and now claim I must go after them myself. 

On XXXX/XXXX/16 at XXXX I called and spoke with a dispute rep in which she admitted that they incorrectly filed the claim as problem with quality instead of the correct claim, failure to honor return policy. They made a mistake in handling this claim and now want me to remedy myself. This call has been recorded and I can provide it as evidence.

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 2016-09-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is for the Citi Costco Anywhere Visa card which posted a false advising that it is accepted everywhere else Visa is accepted. 

The following is disclaimer from the Citi Anywhere Visa card web site : " The NEW Costco Anywhere Visa Card by Citi is the Costco credit card that rewards your purchases at Costco and everywhere else Visa is accepted. " Actually I was rejected by the XXXX restaurant few days ago when I tried to use the Citi Costco Anywhere Visa card to charge the fried chicken meal. They told me that they accept Visa card but just not Visa card issued by CITI.

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 2016-01-21 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX, 2016, I logged onto CitiCards.com to pay XXXX bills associated with XXXX credit card accounts I hold with them, as I do each month. Due to my financial circumstances, I can only afford to pay the minimum payment on each card right now. I paid the minimum payment amount on each card like I 've been doing for years. No missed or late payments EVER. These funds usually get deducted from my checking account. I go to use my checking account debit card today XXXX XXXX XXXX XXXX to buy groceries and it 's declined. I check my checking account to see that a total of {$14000.00} has been deducted from CitiCards to pay off the remaining balances on my cards. I assumed this was due to an error with their online payment system, because I did not authorize them to do this. I called CitiCards, and all they could tell me was, " Sorry, there 's nothing we can do, the transaction is in place, call your bank. '' I 'm sorry, but as a customer for several years, with no late payments or other issues with previous transactions, I do n't think this an acceptable way for a credit card company to act to a customer who just had several thousand dollars incorrectly deducted from their checking account. They did NOTHING to try to resolve my situation as I was hysterically crying on the phone. We are about to be hit with a blizzard in my state, and now I have no money. Basically they just said it was an issue between me and the bank that I hold my checking account with. I do n't believe there is nothing they could have done to stop this transaction. As a major financial institution with billions of dollars, I doubt fixing my error would be a huge sacrifice for them. They need to accept responsibility for their operations. Disgusting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-23 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter in the mail from a collections agency regarding a past due amount of XXXX on my Macy 's account serviced by Department Stores National Bank. Upon review of my previous statements by loging in online I saw that my last purchase was in XX/XX/XXXX. At this time I called Macy 's customer service department to determine why I had not received any bills or notices of a delinquent account. I was told I was signed up for paperless billing and that my e-bill 's had been sent but rejected by my email. Every subsequent bill was therefore sent to this same email and was also not received. So after 6 months of being past due, with late fees and interest incurring, my bill was sent to a collection agency. I continued to receive coupons in the mail as well as coupons in my email but not bills. Not once did I receive any written communication in the mail, a bill in the mail or a phone call. I was told by the customer service agent that I would now have to settle the debt with the collection agency.

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 2016-06-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I signed up for a CitiGold checking account promotion where XXXX bonus points would be granted if bill payment was used twice within 60 days. I have electronic confirmation that the promotion was linked to my account, that the requirements of the promotion were met, and that the points would be posted by XXXX/XXXX/16. On XXXX the points had not posted, so I inquired through chat and was told that they were scheduled to post that day. They did not post. 

I recontacted Citi on XXXX/XXXX/16. I was told that an investigation would be opened and I would be contacted by XXXX/XXXX/16 with the results. There was no contact on XX/XX/XXXX. On XX/XX/XXXX, I contacted Citi again and was told that they have no record of me being targeted for the promotion and the promotion was being denied. This is despite me having XXXX different confirmations by Citi - that the promotion was tied to my account, the criteria was met, and that the points were scheduled to post.

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 2017-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
XX/XX/XXXX I found an article on the internet that described a citibank consumer promotion. The promotion was open a new checking account, deposit {$15000.00} and leave this deposit in the account for 30 days, then leave at least {$10000.00} in the account for an additional 90 days and earn a {$400.00} cash bonus. 
I contacted citibank, talked to a banker on the phone because there are no branches in Minnesota, said I wanted to enroll in this promotion ( citibank 's promotion XXXX ) and opened an account and deposited {$15000.00} on XX/XX/XXXX. 
After 30 days I withdrew some of the deposit but left {$10000.00} in the account until XX/XX/XXXX ( 90 days ). Before I withdrew this money I called to check I would still be in compliance with the terms of the promotion and was assured I would be. When I asked for a conformation letter to this effect I was told the rep could not send me letter but do n't worry. 
Over the last 90 days I have talked with several citibank customer service reps and several supervisors and was assured I was in compliance with the terms of the promotion and would earn the {$400.00} bonus. 
Supervisors I talked with were XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX who opened an inquiry into the situation, case XXXX, and several other reps. I was assured the bonus would be paid after XX/XX/XXXX. 
Today is XX/XX/XXXX and I still do not have the bonus. 
I called again on XX/XX/XXXX, reached a supervisor named XXXX and was told since an inquiry was opened it would take 45 more days to resolve the inquiry ( first time I had heard this ) and the promotion might not be targeted for me ( first time I had heard this ) since I might not be the target audience for the promotion. 
Several times during this period I asked for a letter confirming the offer and was always told they could not send me a letter but do n't worry everything was fine. 
During this period when I asked to talk with someone with more authority ( since these people were giving varying pieces of information ) I was told this was impossible. 
Several times I was told to go to a citibank branch and talk with a banker but pointed out this was impossible since there are no branches in Minnesota. 
I need help to get an answer. This is feeling more and more like a scam. It is a case of big international bank vs. little consumer.

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 2017-01-01 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My wife and I have been XXXX and XXXX XXXX account members for a long time. We were notified last year that XXXX XXXX was no longer going to be XXXX 's credit card company and that we would be issued new accounts. We contacted and closed the account with XXXX XXXX. Apparently at some point Citibank created a credit card account without our permission, XXXX charged that account for a membership fee ( {$50.00} ) and in 3 months Citibank assessed {$70.00} in late fees on the account. Now after an attempt to reason with the Citibank they have sent a letter by someone named XXXX XXXX in their Security Department stating because the account was " transfered '' from XXXX XXXX not " created '' by Citibank we are responsible for it. XXXX XXXX states in the email this issue is closed, Citibank will no longer to respond to the complaint, and Citibank will continue sending statements until it is paid in full. XXXX XXXX does not provide contact information to reach out to him, and never have I been allowed to speak to anyone higher level than a customer service representative. I would like to know if Citibank is doing what XXXX XXXX has been doing and if there are others that are being extorted.

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 2015-12-10 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I paid off my Macys Credit card on XXXX XXXX, 2015, cleared on XXXX XXXX, 2015 thru my bank. I called on XXXX XXXX to check if had been reported to the credit bureau and they said it would be reported on or before XXXX XXXX. In the mean time ... I am trying to prequalify to purchase a home so I am awaiting for my credit report to reflect. My loan company ran my credit report on XXXX XXXX, 2015 and Macy 's is still reflecting a balance. I called them again on XXXX XXXX, and they said they could n't do anything about it and they would report it to the credit bureau by XXXX XXXX, and also for me to contact the " Credit Bureau '' which was a dead end, not sure where to contact because the number they gave me was incorrect. Due to this problem it has affected by credit tremendously. If they did n't assure me of being cleared by XXXX XXXX, them I would n't have had my loan officer run my credit on XXXX XXXX, 2015. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have XXXX credit cards with Citi which I 've paid in full every month since opening the accounts. A couple months ago Citi did not apply the entire amount of my payment to one of my credit cards, but they took the entire amount of my check out of my checking account. The difference is about {$1000.00}. I 've contacted them three times ( each time I get my monthly statement ) to correct the problem. Each time they said they would correct the problem, but they never follow through on their statements. I have continued to pay my accounts in full each month ( less the approximately {$1000.00} I do n't owe ) and they continue to add interest and reflect an inaccurate balance on my 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 explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX of 2016 I purchased a XXXX from XXXX that used to be on display and was marked down. I purchased it from them for around {$600.00}. After about a month I returned the item to the store and received a return receipt. In XXXX XXXX I was reviewing my account when I noticed that the charge for the XXXX had yet to be credited to my account. I contacted Citi Retail Services and Disputed the Charge. On XXXX XXXX I received a letter from them ( Enclosed ) stating they were going to award me credit for the charge in the amount of {$570.00}, and in the mail the week after I received the award letter I received an updated account statement showing the credit had been removed. My account balance at the time was somewhere around {$1400.00}. After waiting for 2 weeks my account balance had not changed. I contacted Customer Service and spoke with an associate. They stated they had already credited me the balance stated in the letter, but could not remove it from my current balance because they had already updated the statement from XXXX. This confused me mainly because when someone is given credit it typically means they have the amount deducted from their accounts, not just have a previous statement edited.

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 2016-08-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I do not remember a charge of XXXX from XXXX. I let Citi bank know. What do you know they play the same ticks as always. I have over XXXX USD of disputes I have asked them to take care of. I am so upset that they keep on breaking the law it makes me sick. I get a letter saying they are doing an investigation and than a email stating that they closed the case because they did not get the information I had my friend mail XXXX and emails I sent. So they closed the case. Why is it out of my XXXX banks these flakes and frauds do not provide the service of communication with their clients? As stated several times now, they do not answer my emails, phone calls, or call backs. They do not follow the law by giving me a fair and honest case they just close without cause and say they never got my docs. This is of course false and it does not make sense. 

I hope these clowns get a full investigation on how this are XXXX their local clients and not giving a fair chance at all. They close disputes with the docs in hand. I have proof of this with my prior disputes and also that they write to my address in the US thatXXXX decided to do a investigtion and now they close the case as I stated they would with all of the docs i have sent.

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 2015-12-30 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX, I filed a refund request with Best Buy credit card services for the debt protection fees that have been charged in my account on a monthly basis since my purchase on XX/XX/XXXX. At the time of this purchase, my credit card account was reactivated, after being inactive for over a year or so from a previous purchase. With this purchase on XXXX/XXXX/XXXX, I agreed to pay {$3600.00} for goods and services as stated on my receipt of purchase. I agreed to 24 months financing with zero interest. I did not agree to the debt protection services or to any additional services, insurance or coverage. After the purchase I received a new card in the mail with a statement balance of {$3600.00}. I set up a new online account and began making automatic payments from my bank account each month between $ XXXX- {$250.00} each month. After 17 months of payments, I felt that I should be close to paying off the balance. Only after opening a previous statement did I realize that I was being charged the debt protection fee. This charge is not visible on the account summary and is buried on the statement. This charge was being placed on my account after my monthly statement was issued on the XXXX of every month, 6 days after the bill was due. This is an intentionally deceptive and illegal practice. I have been charged this fee, in varying rates, every month since XX/XX/XXXX, totaling {$340.00} in fees to date. 

I am absolutely outraged that a company thinks that it is acceptable business practice to charge fees on an account a week after the statement has been issued especially when a customer has not agreed to the services. In fact, Citibank is well aware that this is illegal. I guess that the XXXX in relief payments made to their customers and the XXXX penalty payment made to the Consumer Financial Protection Bureau was not enough for their company to stop this unlawful business practice. 

I did not enroll, elect, opt in, authorize or agree in any way to pay for this coverage on this purchase. I requested to be refunded immediately in full the total amount of fees charged to my account. I was told that my request would be reviewed within 30 days but I did not receive any documentation that a request was submitted, only a verbal statement from the debt protection services department. It 's fair to say that I do n't trust that they have their customers ' best interest in mind, nor do they plan to refund my account without a fight and legal persuasion. 

The agreed principle balance is {$3600.00}. To date ( XX/XX/XXXX ), {$3100.00} has been paid towards the principle balance due, with a remaining principle balance of {$500.00}. I have requested that the outstanding {$340.00} in unauthorized fees is to be refunded to my account no later than XX/XX/XXXX, the due date of my next statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I sent a letter asking for debt verification and to be placed on the do not call list. I received a letter today but not with the indormation I requested.

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 2015-11-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
i have hired the services of XXXX to help me with the credit car situation. 
the creditors call me non stopmthe worst ones citibank and XXXX. 
i even got reprimanded twice at my job of 27 years cause my cell phone is also mywork phone. 
heres the accountsXXXX XXXXcitibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In the XXXX transition to XXXX debacle, I was denied access to my XXXX statements and records. When I got onto my XXXX account, I was not able to access my records. I was not able to access my records on XXXX because I was n't sent a XXXX card. I assume if I never get a XXXX card, my XXXX records would be lost to me forever. 
Would that be legal? Can a credit card company deny me access to my records?

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