vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I am writing about my Citi XXXX credit card ( Acct XXXX ) because Citi incorrectly reported my account as " 30 day late in XXXX XXXX '', even though I mailed in a check to them. I am attaching a photocopy of the check I sent as proof. They admitted that it 's possible that they lost or misplaced my check. I been a Citi credit card customer for over 10 years ( since XXXX ) starting with the Citi Dividend ( Acct XXXX ) and have never pay late. 

I wish for Citi to update my credit report to all the major credit report agencies XXXX to accurately reflect that my account was never 30 day late in XXXX of XXXX. 

As of the day of this complaint XXXX XXXX/XXXX/XXXX XXXX, my credit card account has a XXXX balance.

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 2016-08-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
CitiBank NA or CBNA made a credit inquiry on my credit bureau reports on two different occasions : the first credit inquiry was made on XXXX XXXX, 2016 to XXXX and XXXX XXXX, 2016 to XXXX ; the second credit inquiry was made on XXXX XXXX, 2016 to XXXX and XXXX XXXX, 2016 to XXXX. I called XXXX on XXXX XXXX and requested a fraud alert be placed on my credit bureau report. They also removed CitiBank NA 's credit inquiry from their credit bureau report. It does not make sense that CitiBank NA made a second inquiry on my credit bureau reports as I have not applied for an account with CitiBank NA. Fortunately, a fraud alert has been placed on my credit bureau reports. I need help as I want CitiBank NA to stop making credit inquiries. The address for CitiBank NA is XXXX XXXX, XXXX XXXX, SD XXXX and for CBNA the address is XXXX XXXX, XXXX XXXX, SD 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 2016-07-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I opened a Citigold checking account with a promotion code that said would provide XXXX XXXX XXXX miles once met the requirement. There was no any word in the term saying that I am not eligible for the offer and I also confirmed several times with the bank and the customer service people, they all told me I could get the offer. However, recently, Citi bank told I was not eligible for this offer because the offer is only available to certain people. They never mentioned that when I opened the account. They should fulfill the 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 2016-01-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I spoke with Shell/CBNA Credit Card back in XXXX of XXXX to ask them in good faith to remove the bad marks on my XXXX credit reports which were only ( XXXX ) 30 day late payments. Instead they now have moved the dates of my Charge Off on my credit reports from XXXX XXXX being the last date reported to now being XXXX XXXX and it is being continually reported. This has dramatically affected all XXXX of my credit reports for an account that was opened XXXX of XXXX and closed XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have a checking account at Citibank. When I wrote a check of {$1000.00} to XXXX XXXX for paying my rent ( for my wife, XXXX XXXX 's rent in XXXX ) on XX/XX/XXXX, somebody named XXXX XXXX, instead of XXXX XXXX, cashed the check to her own Citibank account by wiping out the recipient 's name ( XXXX XXXX ) and put her name on the check. Citibank did not look carefully for the payee authenticity and paid the money to that person ( XXXX XXXX ). 
I filed a clam to Citibank for {$1000.00} on XX/XX/XXXX. Citibank Representative in that office told me that the check was deposited in a Citibank account, i would be easy for them to find the theft since they videotaped every ATM transaction. They would open an investigation and pay me back in 3 months. But The denied my claim on XX/XX/XXXX using the reason that I did not report the case within 30 days from the incident happening. 
If the consumer put his money in that bank and the bank can not make sure that the written check is going to pay the person the account owner put on, there is no safety the bank can provide to the consumer. Citibank only allow 30 days to claim the loss from money theft. That time is too short and consumer can not find out what has happen in such a short time period. The unpaid rent to XXXX XXXX caused a lot of troubles to my whole family including the damage to my wife 's credit record and we are the innocent victims of the bank money stealing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I contacted Shell Citibank XXXX XXXX. I called customer service. I asked them about a credit limit increase if it was a soft or a hard inquiry. I explained I was going to go for a major purchase and I ca n't have any hard inquiries on my credit. They said they could not answer this question. They said since you have a fraud alert to fill it out online and they will contact me before they pull the credit whether its soft or hard. This did not happen it was a hard pull the next day. I spoke to several supervisors the XXXX XXXX I spoke with said it would take up to 10 days to remove it. This did not happen. I dealt with citi executive response I spoke to a woman named XXXX XXXX she can be reached at XXXX. She did nothing at her level to resolve the issue. She said because I filled out online with my income what I was told to fill out by customer service. That I authorized my credit to be ran. She did nothing to address the negligence and incompetence of the company representative misinforming me. She does not even care I might be denied for my large purchase because of this inquiry. I think this is a very dirty tactic that they play. I have allready filed a complaint with the ftc also. I am sick and tired of companys not being held accountable by people who work for them and misinform customers. Everything was all done over the phone. My credit was pulled once through XXXX. XXXX no longer allows you to dispute through the credit bureau only with the creditor.

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 2015-10-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
New Credit Card. A charge for {$75.00} was on the first bill, transaction date before the card was either received or activated. Charge was to a company in XXXX but in XXXX XXXX. 
This is a major security issue that the charge was not trapped by Citicorp fraud filter. I called customer service, who connected me to security. Security was not interested and just treated it as a Billing Dispute. After a few weeks, the dispute was denied, showing evidence that somebody Named XXXX XXXX in XXXX ordered something from XXXX XXXX in XXXX, again long before the card was received or activated. 
I have tried to reach Billing Disputes at XXXX ( XXXX, or # XXXX for immediate connection to Billing Disputes ) several times for two days. Finally called customer service, and they to got runaround first from Security, then unable to reach billing disputes. Kept me on the phone for about an hour ( XXXX XXXX, 2015 ) despite request, they never called back. 
Either CITIBANK has little regard for customer, or they are again part of the fraud and extortion from my account. Perhaps they assume that they can exhaust me with this runaround and extort this amount to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL

Complaint narrative:
I purchased a computer motherboard from XXXX XXXX in 2010. The company was giving me the run around & did not provide any means for me to contact them by phone so I feared that it may have been a scam. The item I ordered was not delivered so I contacted my credit card company & did a charge back. Soon after that, the item I ordered finally arrived at my door. I refused the package & asked the deliver person to send it back. They received their item back & are still charging me for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank charged off my mortgage, after paying on time for 10 plus years, because they stopped the direct debit ach payment without notifying me, in writing, email, phone, or otherwise. When I finally noticed the payment was not being made it was too late. A collection agency has ownership of the debt, my credit score plummeted ( it was XXXX ), and there 's little, if anything, I can 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 explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I amm complainning about Macy '' s Dep [ artment stores. I opurchase one wimming suit. sale person offer their credit card. So i took therio credit casrd and charged it. after I paid full amount of puchase of swimming suilt. they told me my payment was late and charged late fee of XXXX dollar and interest XXXX i told them I want ot cancell and close ltheir credit card. i do n't want to use their credit card and told them I do not want to business with them. they do not listen to me and keep charge the late fee. and last statement I owe them XXXX cent. please help me to solve this kind of problem. My account number withs them XXXX My day time telephone number si 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 monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I RESPONDED TO A CITIBANK , N.A . PROMOTION WITH CODE : XXXX ON XXXX2016. I OPENED A NEW CHECKING ACCOUNT AND HAD UNTIL XX/XX/XXXX2016 TO DEPOSIT {$15000.00} AND MAINTAIN THAT BALANCE FOR 30 CONSECUTIVE CALENDAR DAYS. AFTER 30 DAYS I WOULD HAVE A {$400.00} BONUS DEPOSIT INTO THE ACCOUNT " WITHIN '' 90 CALENDAR DAYS AFTER THAT DATE. I MADE THE $ XXXX DEPOSIT ON XXXX 9,2016 AND MAINTAINED IT THRU XXXX2016 ( 30DAYS ). I THEN WAITED 90 CALENDAR DAYS STARTING XXXX2016 THRU XXXX2016 ( 90 DAYS ). I DID NOT RECEIVE THE {$400.00} BONUS. I CALLED THEM ON XXXX XXXX AND XXXX XXXX, 2016 AND THEY GAVE NO EXPLANATION AND SAID I COULD ONLY FILE A COMPLAINT EVEN THOU MY STATEMENTS VERIFIED MY TRANSACTIONS. THEY SAID I COULD WAIT UP TO 30 MORE DAYS FOR A RESPONSE AND WOULD NOT ALLOW ME TO DISCUS ISSUE WITH THE PROPER DEPARTMENT. I COMPLIED WITH ALL REQUIREMENTS FOR OVER 4 MONTHS NOW AND WANT THE {$400.00} THEY PROMISED IN WRITING IN 90 DAYS. THANKS FOR YOUR HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received the collection letter without any notice that I owe the debt to dispute and the debt is a charge off from XX/XX/2009, 8 years old and 1 year past reporting the credit reports and ability to collect.

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 2015-08-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I regularly deposit paychecks in XXXX XXXX ( XXXX ) into my Citibank bank account. Citibank first deposits the checks as if they had been made out in USD. Then they correct the amount by subtracting the difference. However, they do this before making the deposited amount available. They typically hold an excessive XXXX weeks before making the amount available. Where do the get the money for the difference? They deduct it from the balance already in the checking account, rather than adjusting the deposit amount. This has created an overdraft and left me without my own money on two occasions. Citibank has first refused, then relented, on two occasions, to waive the overdraft fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My nephew, XXXX XXXX XXXX XXXX, passed away on XXXX XXXX, XXXX. My Nephew had at least XXXX account with Citibank. I was appointed the personal representative of my nephew 's estate and notified Citibank of the appointment by letter dated XXXX XXXX, XXXX. I provided Citibank with a copy of the Court Order and Letters of Administration and requested that the bank liquidate my nephew 's accounts. Citibank responded to my request by letter acknowledging that it held an account in my nephew 's name. Citibank 's letter instructed me to provide the bank with ( i ) my nephew 's death certificate, ( ii ) letters of administration, and ( iii ) a notarized letter of instruction from the administrator of the estate. Per Citibank 's instruction I was to either forward the documents by mail or by fax. 

As my nephew passed away XXXX, it took several months to secure a copy of the death certificate. However, upon my receipt of the certificate from XXXX ( which certificate included an XXXX Language Translation ) I forwarded the documents ( i -iii ) to Citibank by fax as instructed. The documents were sent on XXXX XXXX, XXXX. It is now XXXX XXXX, and I have received no response from Citibank to my lawful request to liquidate my nephew 's assets. 

I do n't think that Citibank has acted correctly or lawfully. I am the court appointed representative for my nephew 's estate. I provided Citibank with evidence of the same in accordance with Citibank 's instructions. My appointment is a matter of public record that can be verified independently on-line by visiting the Probate Court for XXXX XXXX, FL. My nephew held at least XXXX account with Citibank which is property of my Nephew 's estate, for which I am the court appointed administrator.

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

Complaint narrative:
I was notified by Citibank that my universal card payment was past due. I never received the statement. I personally visited the nearest Citibank office in XXXX XXXX to request a copy of the statement so that I could review it and make immediate payment. An official at this branch advised me that they did not have access to this information and that I would have to call Citi directly. I called several contact numbers but the only response was that this was an attempt to collect a debt and how would I pay it? I have been unable to contact anyone at either Citi or AT & T Universal Card to request a copy of the statement so that I can review it and make payment immediately.

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 2017-02-03 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 opened a Citibank Account Bank Checking account with a {$400.00} bonus promotion offered if I deposited {$15000.00} within 30 days of account opening. I met these requirements, I opened the account on XXXX/XXXX/XXXX. {$15000.00} was deposited into the account by XXXX/XXXX/XXXX. I should have received the {$400.00} bonus by XXXX/XXXX/XXXX according to online customer support. I never received the {$400.00} bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX 2015 I visited my local Citibank branch and was told about their great bank account the citi gold account. While I had no need for this bank account since I already had XXXX, I was told about all the benefits of the account and a XXXX point sign up bonus as well which I was to receive 3 months later. This sounded great and I signed up for the account. Now 5 months later when I requested my points they said there was no such offer for me which is directly contradicting what I was told at the branch. I am outraged how a big bank like this can make such empty promises and expect to get away with it. I hope they give me the promised points.

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 2016-08-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I viewed my XXXX credit report using XXXX. It shows I applied for credit to CBNA on XXXX XXXX, 2016. I submitted no application for credit of any kind at that time. This may be the result of identity theft and I want any record of this inquiry removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Financial Asset Management Systems Inc
State: FL

Complaint narrative:
Financial Asset Management Systems Inc. representative contacted me to collect a debt. However, the representative refused to give me any information on the debt unless I provided my full social security number. I told representative that I will not provide my social security number ; that I will only provide my name and address. The representative insisted that I provide my social security number otherwise she will not provide any information about the debt. I told her that I will not jeopardize giving you my social security number for her and the company she is representing to use in any type of security breach that can devastate my identity. She insisted that I give my social security number or else I do not receive the information about a debt collection and threatened to take legal action against me for not providing my social security number to her. 

I find this very troubling as this company has attempted to extort my social security number and attempting to collect a debt and are unable to provide any information about this debt and then use threatening tactics. 

Unacceptable!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My credit card is current. It is significantly below the credit limit. Citibank declined my card for a {$360.00} purchase. I was embarrassed at the store and with the clerk. I had to return home to locate a different credit card and return to the store to complete the purchase. Citibank denied the card was declined. The representative was unable to help me other than deny they declined the purchase, which was a lie.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 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:
I have a credit card with Citi bank and sometimes like to go and pay the credit card bill with cash in person at a local branch in XXXX, CA. I have been informed by the branch that since I do not have a checking/savings account with Citi bank I have to provide my drivers license, social security number and my job description. I was shocked that they told me they can not take a cash payment without all my personal information. I told them they have all that information when the credit card application was filled out in 1996 ( when I first applied for the card ). They said this was a federal law requiring all this information. I bank with other banks and have not had a problem with cash transactions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation