vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank calls their new credit card as Costco Anywhere Visa card but the " anywhere '' is an oxymoron and deceptive marketing. I do n't remember reading a foreign transaction fees in the card holder agreement, however it is not mentioned on the webpage that lists the benefits of the card. 

While I was in XXXX earlier this month, I used this card more than the other credit cards, since the foreign transaction fee did neither show up on the use of the card, nor the same day, nor the next few days. The foreign transaction fees showed at the end of the month on the billing statement. Which to me is unethical as the transaction should have shown as soon as the card was used. I did have other choices, but was misled by the " Anywhere '' name on the card. If it were truthfully an Anywhere card, the rules and regulations should be the same. Or at the least, I should have got a warning or alert of some kind as soon as the card was used or by the close of the business day. 

On a side note, Citibank is suing XXXX for gratitude as a variation of " thank you '' to their customers, even though the XXXX businesses have nothing in common and they have unique customer base. 

My perplexity is about the deceptive marketing and use of oxymoron in the name or in the terms and conditions.

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 2016-10-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The complaint described herein is centered towards Citibank not advising of ATM fees at the point of transaction, and not necessarily about the fees themselves per se. 
Citibank uses their ATM terminals at many, if not all, XXXX convenience stores in this area. The ATM is clearly marked as " Citibank '' and is furtherly recognizable as such by their corporate logo. Citibank also co-markets actively with the XXXX XXXX XXXX XXXX XXXX XXXX, of which this writer has been member of since 2009. 
On many occasions, I 've used my XXXX card at the Citibank ATM terminals at various XXXX stores. Never, not even once, did the Citibank ATM prompt a warning about fees incurred by use of an XXXX card at their terminal, which reasonably leads one to assume that there are no fees. 
I believe this a deliberate act, a deceit by omission. For example, when I tried my XXXX and XXXX cards, the Citibank terminal display will promptly, and quite correctly, apprise me of the imminent usage fees incurred by both Citibank and the card issuer, at which point I 've always declined. 
In all, I 've been relieved of approximately {$50.00} ( {$2.00} withdrawal and {$.00} inquiry fee ) in unsuspected fees in just the last month. My investigation is ongoing back to when I joined XXXX in 2009, which may be more or less that stated amount, but it 's entirely plausible that I 've lost approx. $ XXXX {$700.00} dollars a year for the last 7 years that I 've been a member of XXXX , which I only discovered serendipitously while checking my account relating to another matter. If warranted, I 'd like to be remunerated for these fees entirely as well as punitive damages. 
Moreover, there are potentially hundreds, if not thousands, of XXXX employees that are unaware of such fees. Citibank certainly is n't saying anything. Moreover, I would n't be surprised if the XXXX, and even XXXX, are complicit in this matter. It 'll be interesting to see where this investigation goes. 

After all, XXXX XXXX started out as " nothing '' ...

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 2016-12-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My private student loan is through CitiBank, Citi Assist loan. XX/XX/2016, the interest rate went up on my student loan by .25 %. That is fine. BUT, my payment more then doubled. I went from paying {$130.00} a month with a 4.25 % interest to {$320.00} with a 4.50 % interest rate. This seems WRONG correct? They were not helpful. They suggested I do a direct debit to reduce my interest down .25 %. So I did. My interest went back down to 4.25 % ( my original interest ) and now my payments are {$130.00}. So basically I am getting screwed by them because none of this makes sense. I firmly believe this new payment of {$130.00} is WHAT I should have been paying with the interest increase. They tried to double talk me when I asked about my new payments after the interest hike and they were not helpful and did n't do anything. I am very scared about the next interest increase and what they will come up with for my payments.

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 2016-06-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XXXX/XXXX/XXXX, I opened a citibank citigold checking account under a promotion code XXXX which offers XXXX AAdvantage ( R ) bonus miles. Before I opened the citigold checking account, My husband had a online chat with customer service representative XXXX on XXXX/XXXX/XXXX. We were confirmed by XXXX that " This promotion is for all existing credit card members who do not have a consumer Citi checking account. '' " Here are the Required Behaviors to earn XXXX XXXX Miles. 
Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/XXXX. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card which must be posted to the new checking account. 
And 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' I never had citigold checking account before and I have citibank credit card. I meet all the promotion requirements so I opened citigold account on XXXX/XXXX/XXXX. After I opened citigold checking account, I met all the requirements. On XXXX/XXXX/XXXX, I got confirmed written secure message that " Yes, as of XXXX/XXXX/XXXX, you did meet the final transaction for your offer. These XXXX bonus miles will be credited 90 days from your ending statement period. This is no later than XX/XX/XXXX. 
XXXX XXXX, I am glad I was able to confirm your miles to be credited to you. ". I did n't receive XXXX american airline bonus on XX/XX/XXXX and sent an secure message to ask why on XXXX/XXXX/XXXX. I was very surprised to be told I was not targeted for the promotion. We were clearly told by citibank customer service representative XXXX that " This promotion is for all existing credit card members who do not have a consumer Citi checking account. '' on XXXX/XXXX/XXXX. Also I was confirmed via secure message that " I did meet the final transaction for your offer. These XXXX bonus miles will be credited 90 days from your ending statement period. This is no later than XX/XX/XXXX. ". I have everything in writing. Since XXXX/XXXX/XXXX, I have asked citibank many times about the status of XXXX XXXX bonus miles. As of today ( XXXX/XXXX/XXXX ), citibank is still not honor what they promised. I feel it is not fair.

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 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Last fall, Citibank offered a {$400.00} interest bonus as part of a promotion for depositing {$15000.00} in a newly opened checking account and leaving the funds in the account for 30+ days. I opened a new account with them on XX/XX/2016 with a {$15000.00} deposit, and left all the funds in the account for 35 days. The Citibank promotion said the {$400.00} bonus would be paid within 90 days of meeting the deposit requirement. We are now well past the 90 day time period, and I have not received the bonus. I opened up a case with Citibank 12 days ago to see why they did n't fulfill the promised bonus, and they have not responded. Since I am getting no response from them, I hope the CFPB can help me to get a response.

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 2017-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Created a bank account with Citibank using promo code XXXX on XX/XX/2016. I funded the account with {$30000.00} on XX/XX/2016. The promo code required to : 1. Opean Citibank Account, 2. fund the account within 30 days with a deposit of XXXX 3. maintain that XXXX balance for 30 consecutive days after the initial deposit was made. 

The promotion was for {$400.00} that would be deposited into the bank 90 days after all the criteria were met. All the criteria were met on XX/XX/2016 ( 30 days after the initial funding deposit of XXXX ). 90 days after XX/XX/2016 is XX/XX/2016. 

As of XX/XX/2016 I had not yet received any credit to my account for {$400.00}. I called the bank on XX/XX/XXXX and was told that the credit was delayed because of the holidays and that a case had been created and I would receive confirmation via Citibank 's online portal system within 48 hours that a case had been made. On XX/XX/XXXX, I had not yet received a confirmation from CitiBank so called again and created another case with employee XXXX. The case number is XXXX. After calling back to ensure the case actually existed, I was told it would take between 45 and 90 days for the investigation to occur. This is unacceptable 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 2017-01-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was given a {$50.00} Citi Prepaid gift card that did not work. I reordered it and never got a replacement. I then reordered it again, someone fraudulently obtained it and spent all the funds. Citi sent me a fraud form, told me to fill it out and send it back. I called today as I never heard anything and they stated that the can not process a fraud claim on a prepaid card and apologized for the misinformation. They never notified me of their intention to not process the claim.

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 2016-06-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I applied for a Citi Gold Checking account with a sign-up bonus for XXXX AAdvantage XXXX XXXX miles. I confirmed via instant chat on their website as well as over the phone that I was eligible, targeted, and had met the spending requirements to earn XXXX AAdvantage XXXX XXXX miles to be credited to AAdvantage account XXXX. They took my AAdvantage account credentials and should therefore already have this information. My husband 's complaint has been honored, and I was told to reply with another CFPB complaint of the same nature.

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 2016-05-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank ran a promotion XXXX promising XXXX XXXX XXXX points to consumers who signed up for a new Citigold bank account and followed certain steps including making bill payments and minimum purchases via debit card. The promotional code for this offer was widely available on the internet ( example link : XXXX ). I called their phone number, provided the code, and was told that I qualified for the promotional offer so I opened a bank account. I met the other requirements ( minimum spend and bill pay ) as required and proceeded to wait. After several months I inquired about my points and was told I needed to wait until 90 days after a certain date. Recently, I inquired again and was told by online chat and phone service that I qualified and would get my XXXX points. But secure messages then contradicted this. I have called multiple times and in spite of initial assurances that I qualify for the promotion and the points, supervisors later step in to say that I do not qualify because I was not properly " targeted '' for the offer ( widely available online ). I have given Citi my business and fulfilled their requirements. I want them to honor their end of the deal and give me the promotional bonus I was promised.

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 2017-03-15 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Kross, Lieberman & Stone, Inc.
State: NC

Complaint narrative:
I was seen at XXXX in XXXX who then sent personal information to Kross Lieberman & Stone. Kross Lieberman & Stonesent personal health information what type of procedure and reason for my visit which has to be in violation of HIPPA. I also do not see Kross Lieberman & Stone licensed to collect in the state of NC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XXXX, I paid balance in full on Home Depot account. On XXXX XXXX, I made a purchase in the amount of {$37.00}. Upon downloading my current billing, I noted that Home Depot applied a {$2.00} fee on XXXX XXXX for purchased made on XXXX XXXX. If I am not mistaken, I believe it is illegal to charge interest/fee on a purchase until it is 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 monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was unemployed for the bulk of XX/XX/XXXX and fell behind on my credit card payments with Citi Bank/Best Buy Mastercard. In XX/XX/XXXX I called to start a payment plan with them to return my account to a current standing. I was told by the representative that if I made XXXX payments of {$88.00} each my account would be brought current again and I could begin to use the card again. I made my XXXX payment in XXXX. In XXXX I received some extra income and called to see how much of a payment I could make to become completely current and under my credit limit. I was told that my account had been closed in XXXX and that I could n't bring it current just pay it off. In XXXX I pulled my credit report and found that the account was n't actually closed until XXXX, meaning I could have saved the account and only had late payments instead of a closed account on my credit report. Citi is still charging late fees to the account monthly, and was even charging late fees while I was on a payment plan with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2016 I rented a car from XXXX. I declinded their insurance because I spoke to an agent from my Citibank Credit Card and he assured me I was covered if I used my credit card for the rental insurance. I asked if I was fully covered because I had limited insurance on my older model car. " Yes, '' the agent said, " do n't use XXXX 's insurance you 're covered. '' I asked if there was a deductable. " NO deductable, you do n't have to worry. '' On my way home a Semi-Truck spit up a rock which made a XXXX. crack in the windsheild. I paid XXXX upfront and filed a claim. Now the nightmare begins. Called to file a claim and was told to sumit the information to XXXX fax number with a claim number. Did that. Waited, waited and finally messaged them asking what is goin on with the claim and was told they did n't have enought information. Sent it again, to a different address I was provided. Waited, waited. Citibank decided the repairs were unneccesary, claim denied. What? Messaged them that was not exceptable. Waited, now its XX/XX/XXXX, XX/XX/XXXX Citibank messaged me that my claim was something my insurance would have to handle, claim denied and if I 'm late with my payment they will turn me into the XXXX credit bureau. I 've never been late and my credit score is XXXX. Sounded like a threat. So which is it, the repair were unnecessary or they do n't cover windsheilds??? If I had known I was going to get the royal run aound I would have gotten the {$20.00} XXXX insurance and saved myself {$150.00} and a huge headache. Apparently I 'm not the only one with this kind of complaint with Citibank as I 'm looking on the internet.

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 2016-08-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi apparently issued a Citi Costco Card to me, never actually mailed it to me, and charged me for the XXXX membership and now they want me to pay the bill. 

I used to be a XXXX member with an XXXX card. I cancelled my XXXX membership a few months ago and never applied for a Citi Costco Card. They seem to have automatically issued a card to me based on my prior XXXX membership. I tried to tell them multiple times on the phone and they keep transferring me to various departments within their firm. I have wasted well over an hour dealing with this mess which I have no role in creating and it is not right to expect me to spend any more time dealing with this situation. 

Bottomline : Cancel the Citi Costco Card that I never applied for nor received, remove the XXXX membership charges and stop wasting my 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 2015-06-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi misposted late payments to XXXX of my old mortgage accounts late XXXX and XXXX. I submitted a complaint in XXXX XXXX ( Case # XXXX ). Citi agreed that those late payments were posted in error and agreed to correct my credit history with the XXXX bureaus. However, I pulled my own credit report this morning, and to my disgust, I learned that Citi has re-aged those XXXX accounts to reflect recent activity that I have not had, which means that these accounts will not drop off my credit until XXXX. Re-aging accounts is unethical and illegal. XXXX of the accounts was due to be removed this month ( due to age ), and the other XXXX is due to be removed XXXX. The clock should NOT be reset because they are correcting something that they have posted in error. I have had XXXX activity on these accounts for many years. Instead, Citi has decided to show these XXXX accounts as charged off in XXXX XXXX - THIS IS INCORRECT!!!! All they had to do was remove the late payments that were erroneously posted. This lender is trying to disable me from ever being able to buy a house for me and my family by continuing to destroy my credit!!!! I am a single mother of XXXX young children, and I have been working very hard to recover from a divorce and period of unemployment - please stop punishing me by pummeling my credit score.

Company response to consumer: Closed with explanation
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:
I signed up for a CitiGold checking account with CitiBank under their XXXX XXXX XXXX promotion where I would get XXXX XXXX miles deposited into my account after completing a short list of requirements. I completed those requirements within the allotted time frame and called customer service several times to confirm that I qualified to receive the promotion. Each time they told me they 'd look into the issue and update me with an email. That has not happened despite multiple calls. I 've read up on this online and apparently other people have been having the same issues with CitiBank not honoring their promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a letter on XXXX XXXX, 2016 stating all of my Citibank , N.A . credit card accounts were closed ( accounts ending in XXXX, XXXX, and XXXX ). I lost access to XXXX of my Citi Thank You Rewards points ( in account ending in XXXX ) and XXXX of my Citi Thank You Rewards points ( in account ending in XXXX ) for a total of XXXX points. Normally you have 60 days to access your points after the closure of an account but when calling Citibank, I was told that I could not do that. Each point could be used at a value of XXXX cents a point for airfare. Therefore, I lost {$550.00} of money from my account that I had already earned. Citi is not giving me access to that. I would like access to those points to redeem them for their value or to be paid the value of the points in a check. 

On XXXX of my accounts, I paid a {$450.00} annual fee. I would like to have the annual fee prorated for the remainder of the time that I now do n't have the card. 

If Citibank is going to close my accounts, then I want to get the rewards that I had already earned and the annual fee money back.

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