vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi credit card customer for 4 years. Pristine record until the day I switched my banking relationship and forgot to update the auto-pay info with Citi and was charged {$31.00} on a {$31.00} account balance. Customer service was horrible. In fact, horrible is an understatement which led me to close the account. ( {$22000.00} credit limit ) and an existing brokerage, IRA relationship totaling {$600000.00}. Yep that 's right for {$32.00}. Never again will I do business with Citi, especially that the level of customer service has taken a nose dive from where it was. Poor command of XXXX, the person sounded like she wanted to get rid of me, transferred me 2 times to the wrong person and seemed to care less if the issue was solved. Great job Citibank!.

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 2016-10-06 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Recently, Costco terminated their agreement with XXXX in favor of an agreement with Citibank. Without customer authorization of any kind, they opened a new account and issued a VISA card. I had no balance on my XXXX, as I do n't carry a balance so there was no outstanding balance to transfer. I did not activate the card, but I went to Costco - and told them I did n't want a VISA. I got a regular Costco membership card ( with no credit features ) and destroyed the Citibank VISA I had received. Then, Costco charged a membership renewal fee to the VISA card ( that I destroyed and told them I did not want ). When I called to complain, they said it would take XXXX16 business days to remove the charge, so I could pay the membership fee in cash. That would cause a late fee on the Citibank VISA card, as 14 business days is after the due date - even though I called as soon as I got my statement. Costco should not have been able to issue a credit card that was not requested, activate it XXXX to charge a membership fee ), and fail to cancel it upon notification that I did not want the card.

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 2016-03-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
City bank stated that I had a credit card with them I never had a credit account with this bank. When I received my home loan the mortgage banker even furnished documents to this bank that proved that this was not my account. Citi Bank has refused removal of this from my cedit reports creating a hardship on a 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 2015-08-22 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Best buy credit card -They advertise 0 % APR and interested for the first 18 months, after which time 24 % interest kicks in. At 18 months, I suddenly had {$360.00} in interest charged to my card, on a balance of approximately {$600.00}. When I called the company, they explained that the interest balance reflects the accrued interest on all past bills over the first 18 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HOVG, LLC
State: CA

Complaint narrative:
I entered into a mutually agreed upon payment arrangement with XXXX XXXX XXXX and made several timely payments as agreed. In XXXX I made a payment to a representative over the telephone which was a few days past my due date so I called to make the payment personally. He told me no problem assured me the payment was applied and not to worry the payment arrangement is not affected pmnt went through. My account was sold to collection company Bay Area credit 1 week later and I was contacted by phone and bullied to enter the same arrangement with them. They assured me if I continued to pay as agreed on auto by from my checking account The collection would not be reported on my credit report so I did. They began taking different small amounts out the day before the agreed date in their name {$5.00} then the pmnt amount the next day from a trust account name? The the statements I received started reflecting the balance growing not declining o called to complain many times their story always changing. After making 4 or 5 payments on time by auto pay so they could not be late the reported to credit report anyway costing me valuable points and going against their word. However the original debtor should not have been allowed to give to collection in the first place and I believe it is a violation of law and the collection company should be fired and the original debtor also for a violation of fair debt collection and my debt cancelled as I have paid by now.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Given all the fuss about XXXX XXXX opening up fake accounts, I thought I should mention that CitiBank did the same to me in 2008 as XXXX XXXX. I did not want a Citi bank account, I did not sign a contract agreeing to it, and I never used it. I am assuming that someone at Citi signed a fake signature to open an account in my name. 
Given that I did not want the bank account, I did not sign for it, and I never used it, I just ignored it. They closed the account for nonpayment of the monthly service fee. Even then, they sent collections after me and did n't leave me alone. I had to make multiple calls to Citibank pointing out that they must have faked my signature since I never agreed to open the account and they were committing fraud.. Finally, Citibank stopped bothering 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 explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX 2015 I received a form letter concerning a change in my Macy 's account ; specifically, Macy 's was closing my American Express store account and had selected XXXX Bank as their preferred credit provider. When I had not received a new credit card by early XXXX, I visited the local Macy 's store ; they suggested I write to the issuing organization XXXX about my missing card. I sent a letter on XXXX XXXX to request information and the new credit card. As of this date I have not received any response to that letter and still have not received a new credit card. I am concerned that a credit card in my name is still missing and have not been able to get any information from Macy 's or the Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank has confirmed my promotion on the case XXXX. They told me that " the cash bonus of {$400.00} will be applied to your joint account no later than XX/XX/2016 ''. However, till now I have not received that. I reported to the banker and phone service, they just pass the bucks and not take responsibility. 

I am tired about citibank service and reluctant to solve the problem, I feel bad of they did not make their promise.

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 2016-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I applied by phone in XXXX for a Citigold Checking Account. I gave the telephone representative a code for a promotion that would allow me to earn XXXX XXXX XXXX XXXX ( frequent flyer ) miles if I completed a set of requirements ( such as depositing {$1000.00} and making XXXX bill payments from the account. ) The telephone agent assured me that I was eligible for the promotion and that I would receive XXXX miles once the promotional requirements were met. I proceeded to meet all of the requirements for this promotion. In XXXX, I called back again and spoke with a phone representative ( and a supervisor ) who assured me that I was on track to receive the XXXX XXXX bonus. When I had not received the bonus in XXXX, I called Citigold and was told that I needed to file a " dispute. '' I received an email back from Citigold on XXXX XXXX saying that there was not an XXXX promotion offered in conjunction of the opening of my account. I called Citigold back on XXXX and was told that they did not dispute that the agent had told me I was eligible, and that agents had been telling various people that they were eligible, but that the agents were mistaken and that people needed to have been specifically targeted for this promotion. I asked how the company could mislead investors this way and whether or not this was a " bait and switch '', but was told that all they could do was re-submit my complaint to their " back office. '' I asked to have the recorded calls that I have made with Citigold pulled for review, but the agent said he did not think he could do that. Citibank has profited from holding my money and from orchestrating my financial transactions, yet refuses to deliver the bonus that they agreed to when I opened this 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 2016-05-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had XXXX fradulent charges placed on my credit card account. I reported them two days after they were placed on my account. I have been lied to 4 times about how long it will take to have them removed. I called in once, and was told 2-3 days. 3 days later i called in and was told it takes 5-7 days. I called in 7 days later and was told it takes 7-10 days. 10 days later, I called in and was told there is no expected time to reconcile the charges and remove them from my account. Every other time I have reported fradulent charges to my citibank credit card they applied a conditional credit immediately. This time they are basically refusing to remove them, and they continue to count against my credit line, despite the 100 % no-liability on fraud charges a that is advertised by Citibank for their credit cards.

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 2016-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened a citigold account ( bank account from CITI bank ) in XXXX XXXX, 2015 using a promotional code XXXX. By using the promotional code, based on the term, I will be eligible to receive XXXX XXXX ( XXXX ) miles if I spend {$1000.00} on my citigold debit card and make a citibank online bill payment for two consecutive months. After I opened the account, I contacted with citi to confirm this promotion. The representative ( XXXX ) confirmed my eligibility and claimed that the bonus miles will be credited to my XXXX account ( XXXX ) within 90 days from the end of the statement period in which all offer requirements are completed. In XXXX XXXX, 2015, I contacted with citi again and talked with another representative ( XXXX ). XXXX confirmed that " I see that you have met the requirements of the promotion offer '', and informed me that I " will be getting the offer of XXXX XXXX miles in three months ''. I kept all those chatting history. However, I have never received any bonus XXXX miles after three months. I contacted with citibank and talked with a manager. He said that citibank had give me another promotion offer instead and thus the original promotional code XXXX I signed-up was no longer applicable. In this case, the key fact is that citibank had never mentioned another promotion offer to me before they breaked the original agreement and applied another promotion code to my account without my authorization. I proposed him to withdraw the promotion offer that I did not sign up, and give me the XXXX bonus miles back, the manager refused even if I said my eligibility to receive the XXXX miles had been confirmed by their representatives many times. I did nothing wrong in this situation, but citibank 's response is lack of responsibility.

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 2016-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a credit card account with Best Buy Credit Services. I have legitimate purchases on the card that my daughter incurred and did not pay. She had been intercepting our mail in order to hide the delinquent status, but we have since been notified through a phone call. We have also been advised that the bill has been passed to a third party collection agency ( XXXX XXXX XXXX ). I do not refute the bill and would like to make a payment. However, I am deeply concerned with the nature of the collection effort. To this day, I am still receiving bills from BOTH Citibank ( Best Buy ) and XXXX. Despite my attempts to make payment, Citibank wo n't take a payment and refers me to XXXX. Furthermore, XXXX indicates that they have not bought the debt so of course they ca n't negotiate a settlement amount. I am very uncomfortable with this scenario. The representatives at both organizations were unable to de-conflict. Why is Best Buy billing me, requesting payment, and then refusing payment? If they have fully passed the debt, why is Best Buy still billing me? Why is XXXX indicating they do n't " hold '' the debt? ( which I suspect is an attempt to bypass settlement negotiations ). XXXX has also advised that interest and late charges can still accrue, which suggests that Best Buy has not passed they debt. Please help.

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 2015-06-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi card services has been constantly calling me on a Saturday afternoon ( more than XXXX times daily ), to collect a late payment ( only a XXXX late ). It is not reasonable to call this often, when a single message would be sufficient, especially considering it 's an account in good standing and only this XXXX payment has been late. Number being called from : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I moved from XXXX to XXXX. I had sent request to post office to forward all my mails to new address. I was getting letters from everyone, and many automatically updated my new address. I never got any letter from Macy 's /Citibank Credit Card XXXX I bought something for {$20.00}, and after 6 months with all late fees and interest Macy's/Citibank is asking me to pay {$230.00} XXXX 10 times XXXX. I asked them to settle this and only thing they are offering is removal of XXXX late fee of {$35.00}. I would be happy to pay {$20.00} + Interest. I would like Macy 's /Citibank to remove all late fee charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We have been COSTCO Executive Business members for over 10 years now. Recently, Costco switched their contract from XXXX XXXX credit card to CitiBank credit card. We chose not to activate the new CitiBank card ; paid off all outstanding balance accumulated on the XXXX XXXX card, closed XXXX XXXX account and shredded the CitiBank card mailed to us shortly before the transition. To our surprise, a month or so later we received a statement from CitiBank indicating that we have an outstanding balance with CitiBank. All my attempt to explain to the customer service that we do not have any relationship with CitiBank, never signed any agreements with the company, do not even have a CitiBank card in our possession, or know our CitiBank credit card account number failed. On XXXX XXXX, 2016, I spoke with a XXXX who explained that the balance was for COSTCO membership which was automatically transferred from XXXX XXXX to CitiBank. Since we do not have XXXX contractual relationship with CitiBank, I chose to pay our membership fees at the Costco warehouse directly. Yet, a month later we received another statement from CitiBank, now imposing an interest to the previous balance. I called customer service on XXXX XXXX, 2016, and spoke to a XXXX at ID # XXXX who assured me that the account would be closed within XXXX10 business days. Today, XXXX XXXX, 2016, I have received yet another statement from CitiBank. It still lists outstanding balance and interest. What gives this credit card company the right to harass me? I did not accept or solicit or seek their product, and refused on multiple occasions to use it. I acted in good faith and attempted to find out the origin of their repetitive billing. I spoke to various customer service representatives and have notes of those conversations. If there is no account, no credit card, no activity, and no agreement between us, what exactly am I being charged for?

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 2015-06-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a Citibank gold customer for 40 yrs . They always
included my mortgage toward they required balance needed for gold XXXX
status. Recently they changed that policy and now I'm being charged for
for my checking accts and any little thing I need done. I don't think is 
fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I received a letter from Citibank on XXXX/XXXX/2015 stating that my Home Depot Credit Card was overdue and that the original charge made in XXXX, 2015 was for XXXX. Now with late fees it was {$220.00}. and some odd cents with late fees. 
I immediately contacted the number on the back my Home Depot Credit card to see what was going on. I did not remember owing Home Depot anything. I asked for a copy of the original receipt that I signed or copies of the bills that I supposedly received by email. They said I had opted to get my statements by email. They told me I would have to contact Home Depot for that. I contacted Home Depot and they told me to contact Citibank. So then I contacted the office number on the letter I received from Citibank. They told me that they could only remove one months late fees and I talked to a manager and he told me the same thing. So I paid {$180.00} that very day to clear this up immediately. 
1. I did not recognize Citibank as a credit card that I had when I kept getting calls from them. 
2. My husband checked on-line about these calls and saw that these were Home Depot credit cards and they had been hacked so he informed me to ignore what I thought were robocalls. 
3. I did receive copies of statements and the original receipt about a week later, but no copies of emails they supposedly sent. No alerts by email. In the meantime I wrote to the CEO, President of Citibank but have not heard back. 
4. I have issue with the fact that it took 5 months for them to contact me by mail regarding this account being overdue. One way to collect a lot of late fees in my opinion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " CBNA '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

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