vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I inquired specifically regarding the ability of the Citi Double Cash credit card, with regard to their ability to separate out charges for the multiple users of this card. I was told on XXXX ( XXXX ) separate occasions that this could be done. Upon receipt of my XXXX bill all of the charges were lumped together. I contacted their customer service and they said there was no way they could separate out the charges. This was totally misleading and I went through a long and arduous process to move our accounts over to this bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Macy 's credit card issued through CitiBank. There were XXXX fraudulent purchases made on it. XXXX was made on XXXX XXXX for {$160.00}, and the other was on XXXX XXXX for {$150.00}. I talked to Macy 's fraud department, and they said they would investigate. They temporarily removed the charges and late fees from my account, however they have reinstated the charges to my account. They are reporting my account as derogatory to the credit reporting agencies. Finally, they have been harassing me via phone. They have called me at least 31 times this month, including 7 times on XX/XX/XXXX and 4 times on XX/XX/XXXX. I tried calling back several times, however I got a busy signal and was never able to reach them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-15 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I had a {$2000.00} credit line with Sears. I always pay my card timely ; in fact I always pay my account early. I did so in XXXX pay XXXX payment early. I had requested long before that my due date be changed to the XXXX I believe so there would be no chance of my payment being made late. It was agreed to do this, however, they never did and my payment for XXXX or XXXX was a day or so late. I immediately contact them by phone to resolve the matter. Later, they took away my {$2000.00} credit line for their own mistake. I called in about that and spoke to repetitive women who told me to write in to their very department so they could deny me again. I sent a fax to the director of that dept. but never received any response back. I just tried to place an order and only 2 of the items were shipped and I received a notice that for my convenience the other items are in my cart? What Sears has done is ding me for their own mistake and though the women I spke to agreed that this was Sears ' mistake, they would not undo the retaliatory, unlaqwful treatment that I received because of their error. I just need my credit line reinstated and for whomever restricted my account unlawfully in the first place to keep away from my account at all times. This was their mistake, not mine, so I should not be punished for it! Thank you.

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 2016-06-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX Consumer finance.gov As credit card holders with the XXXX program for many years, we were notified on XXXX XXXX, 2014, that we had earned XXXX XXXX miles. On XXXX XXXX, 2014, Citibank notified us that they changed our CitiGold/XXXX account to the CitiBank Thank You Preferred account. They said that our " account number [ would ] remain the same '' so we could continue to use the old card until the new XXXX arrived. We were then to " destroy [ our ] old card ... by cutting it in half '' They indicated that we would earn points for using the card and that we could redeem these points for many things, including " travel rewards. '' Never in any of the documents we received did they indicate that our air miles would not transfer to the new card or that we should keep using the old XXXX card ( which they were canceling ) to keep our miles. 

When we contacted them recently to see if we could use our air miles for a trip XXXX, they said they cancelled our air miles because we had not used our XXXX card for a number of months. We said that we had continued to use our Citi card that they had sent us after they told us to cut up our old card, so there was no way we could have used the XXXX card. We said that we assumed we were still gathering miles since they never told us that our air miles would not transfer to the new card. 

They also indicated that if we wanted to get our miles back, we could pay them {$400.00} for something we had already earned by using our credit card. 

There is nobody to talk to who can resolve this matter. The " customer service '' representatives can do nothing but repeat their assigned script. Citi Bank has cheated us and needs to be held responsible since they canceled our XXXX card and left us no way to keep it active. They need to give us back our miles and send us a new XXXX card with the credited XXXX miles.

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 2016-10-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Purchased custom kitchen cabinets through XXXX XXXX, CA Home Depot Store using a Home Depot ( CITIBANK ) Credit Card back on XXXX/XXXX/XXXX. After almost 1 year of non-completion of the job, we filed a formal credit card dispute with Home Depot ( CITIBANK ) Credit Card Services on XXXX/XXXX/XXXX. As of today we feel that our case is being purposefully delayed due to Dispute Team Member " clerical errors '' and they are unable to commit to a date in which we will receive our " FINAL RESOLUTION LETTER ''.

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 2016-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank somehow put me on my wife 's business account when neither she nor I asked for it, when I was never a signatory and never had access to it, and to top it all off it froze her out.We have been having problems with our accounts since XXXX of 2014.

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 2016-05-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I purchased an appliance named XXXX dehumidifier from Sears.com. The product is listed under the XXXX manufacturer warranty for the defective product and the part that failed. The purchase date states XXXX/XXXX/XXXX sales ticket XXXX ( sears ). The problem with this purchase is that I purchased a XXXX BRAND it also has a XXXX Booklet. I called XXXX and they are willing to replace the product or swap it out. problem encountered was that the serial number listed on the SEARS.COM item that I am paying on my sears credit card with a payment of XXXX.per month is not a legitimate SN. sears is denying this and not allowing the return or credit to my card and blaming a third party called XXXX XXXX ', XXXX said to contact Sears and XXXX about the return since XXXX XXXX the third party seller with only a XXXX product initial warranty..The XXXX part though is still under warrany thru XXXX XXXX XXXX. XXXX needs verification of the original SN for return purpose and credit. This product has a UPC number of XXXX ( stated by XXXX, The model number on my dehumifier is XXXX, SN # XXXX. XXXX states that is not a valid SN, otherwise they would swap, credit or repair. sears claims they are not responsible as I object, due to the fact I purchased this thru SEARS and it stated XXXX on the product. There is not any stipulation anywhere in the booklet stating the product 's SN has been altered therefore I assumed it was a legit purchase. even refurbished products contain the SN to replicate the original for product identification as automobiles do. I am out a XXXX dehumidifier. I purchased it for my health needs. I want this warranty held up as SEARS should be standing behind XXXX products sold using the sears credit card. I want this illegal and unscrupulous act rectified so I can use a dehumidifier. 
My frigidare ticket and complaint verification was lodged within their company telephone number XXXX ticket # XXXX they stand by their product and warranty. 
Sears in XXXX XXXX IL has denied the purchase or assisting me despite being referred to them by frigidare to alert them to this SN # matter and credit card charge dispute. the third party overstock.com tel # XXXX who sells thru Sears has an invoice number proving this sale # XXXX please help me obtain credit for the product as it is under a valid warranty from frigidare Company and sears is denying and refusing to help despite the fact I am paying in a credit agreement thru Sears credit card/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 monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Go to XXXX In their TERMS IT PLAINLY STATES : APR for Balance Transfers 0 % introductory APR for 21 months from date of first transfer when transfers are completed within 4 months from date of account opening. 

After that, your APR will be 13.49 % to 23.49 %, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a # 1 I opened an account back on XX/XX/XXXX. 

# 2 Balance of {$890.00} was paid in full back on XX/XX/XXXX # 3 Ready now to do another 0 % balance transfer and these scammers have removed the offer from my account. Read the above terms : It plainly states : 0 % introductory APR for 21 months from date of first transfer when transfers are completed within 4 months from date of account opening. 

# 4 Account opened on XX/XX/XXXX. 4 months is XX/XX/XXXX. This account was paid in full back on XX/XX/XXXX and I have {$900.00} available credit to use and trying to do another Balance Transfer at 0 % for 21 months and they removed the offer from my account. SO BASICALLY, THEY HAVE BREACHED THEIR CONTRACT. I SHOULD HAVE 0 % ON BALANCE TRANSGERS UNTIL XX/XX/XXXX. 

# 5 I HAVE CONTACTED THESE SCAMMERS ABOUT THE ISSUE TO NO AVAIL. I ALSO TOLD THEM TO CANCEL THIS CREDIT CARD IMMEDIATELY AND THAT I WOULD LET THE BETTER BUSINESS BUREAU KNOW ABOUT THEIR SCAM ANDVFALSE ADVERTISING AND FAILING TO FULFILL THE CONTRACT.

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 2015-08-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Macy 's store credit card : I was 11 days late on a payment in 2014, since then I have been making payments to Macy 's. However they have been reporting to the credit bureau that it has not been paid since then. I have proof through bank transactions, disputed through the credit bureau and Macy 's has not removed the erroneous late and no payments. In addition, they charged off my credit card while I was making payments, which also negatively impacts my credit. Because of an XXXX day late payment my credit is damaged for the next XXXX years. I believe it is unethical and should be illegal for Macy 's to continue to fraudulently submit information to the credit bureaus and not be held accountable. In addition, prior to the XXXX day late payment I called Macy 's stating why I was going to be late and asked for a payment plan and they said their company provides not payment plans or assistance if when someone loses their job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lending Club Corp
State: IL

Complaint narrative:
XXXX loans have been opened in my name and I did not apply for the loans, nor did I authorize anyone else to open accounts in my name. XXXX company is XXXX and the other is Lending Club. After submitting affidavits with XXXX to dispute the accounts, the debts are still showing up on my credit report. I have also received mail from a collection agency for the Lending Club loan. The inquiries also need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I signed up for a Citigold Checking Account from Citi in XXXX 2016 with a promotion of XXXX XXXX miles if certain conditions are met. The conditions are {$1000.00} debit spend and ( XXXX ) Pay Bills. After meeting the conditions I still have not received my bonus miles. It has been 2 months now and I have been in contact with Citi several times to get the bonus miles posted. I have been informed they would post within " 24-48 hours '' each time, but the miles never got posted. I feel like I 'm being stringed along without a proper resolution. 

I have fulfilled my end of the promotion and Citi is not honoring their end.

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 2017-01-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I got a letter for citi card dated XXXX/XXXX/16. In it they stated I was being issued a refund for " certain expedited payment fees previously paid for making a payment over the phone ''. I have two issues with this. Firstly : 1. there was no statement sent reflecting exact time in question. I do not know if its the rightful amount and 2. if indeed the money I paid was & {$14.00}, there should be interest compounded on said amount. According to the letter, the time cover XXXX XXXX 2009 to present. Were is the interest on my balance for the past 8 years. if I had owed Citi ( Department Store National Bank ), I would have been charge interest along with late payment fees. So I think its only fair they pay interest on money that they held for me for over 8 years.

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 2015-05-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Purchases were made at multiple merchants which were expected to qualify under promotional rewards earn. Promotional bonus was not applied. Contacted via online message. No resolution. Contacted by phone. No resolution. Closed account due to " gotcha '' marketing and refusal to honor offer. 
Marketing copy lists " Home Depot '' and " XXXX and XXXX Stores ''. Any reasonable person connects the XXXX, and associates Home Depot as a XXXX and XXXX ' store. Even in the disclosure below nothing indicates those XXXX should not be associated. I prefer shopping at other 'home and garden ' shops -- -XXXX and XXXX XXXX . A simple google search yields that these all offer comparable products and services. There is no reason to believe any of these would be treated differently. 
Ultimately I missed out on bonus rewards for {$480.00} worth of transactions, or {$24.00} worth of rewards. 
Marketing copy is deceptive and disclosures are inconsistent and unclear. XXXX refused to acknowledge or rectify this on the XXXX customer that called them out. If I had put other transactions on the card, it is unlikely I would have even noticed this. That is not an acceptable way to treat consumers. If they are not willing to honor the promotion, they should not have it out there to begin with. There is likely a reason why they no longer offer this product -- -clearly this category bonus scam has caused similar frustration from other customers. 
Attached documentation supports and validates all information claimed above.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was charged a late fee on an account by Citibank because their homepage made it seem as though a pending charge was included in the current billing period charges. This was extremely misleading and I was unaware that I had not paid the bill in full when I was notified a month later that there was a late payment on my account. I was understandably upset at this. When trying to resolve this, I kept getting the " our policy '' and we can not reverse a legitimate fee. After asking for a one time customer courtesy to reverse the late fee, they declined. So I have since cancelled the card. Similarly, their homepage does not reflect pending payments and pending payments do not show up in their transactions page. Nor is it apparent anywhere except through clicking payments, view scheduled payments and history. When logging into their homepage, I could be deceived into making an additional payment since the one I made is not clearly nor readily identifiable. Now this was an electronic payment through my bank that is still not being posted? It feels like they are holding payment until end of day to possibly extract additional fees, charges, etc. I thought they had to post payment when the received to prevent these types of shennigans. I thought this type of behavior was forbidden?

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 2017-01-05 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I submitted a phone payment for a home depot credit card and was given a confirmation number as having been paid. At my next billing cycle, I saw that the amount was past, and I called and found out that the payment had been declined after 3 days. I was reported to the credit agencies. I contacted the credit card and they acknowledge having given me a payment confirmation but they refuse to retract their credit reporting, leaving me with a late payment on my credit history. I was never notified by them that the payment had been declined until my next statement. I had money in the bank to complete the transaction at the time so I am not sure why they would confirm payment and then decline it.

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 2017-02-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XXXX company had inadvertently charged my credit card in error for the sum of {$4100.00}. 

I immediately notified my credit card company " Citibank '' to warn them of the error and to credit the full amount back to my account. I was told it would be corrected with several business days. 

Its been almost 3 weeks and the charge is still on my credit card. I have made several calls to Citibank and have been told its still being investigated. This process it taking too long and I am worried that I will be forced to pay for the fraudulent charge. Can you 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 2015-05-27 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: MN

Complaint narrative:
I applied for a loan to purchase some recreational property and when the bank did a title search on the land it came back stating I had a default judgement against me in the amount of {$1200.00}. So the bank denied my loan. When I asked for a copy of the judgement it does not state who creditor was but it was entered on XX/XX/XXXX.I never received anything in the mail about this and I have lived at the same address for the last XXXX years and was living here when this was entered.My son and I have the same name except he is XXXX and I am XXXX.The Judgement says our full name and a.k.a. XXXX on it.The debtor address is an address where my son used to live.He has horrible credit my credit is good and this Judgement did not show up on any of the XXXX credit reporting agencys on my credit. I went to our court house and tried to get it removed they would not, I went to the title company they said For {$75.00}. dollars I can file an affidavid stating that then bring it to court house and for {$40.00} dollars more I can have it filed. I am not paying a penny for a debt that is not mine. I contacted the Head Person for our county and he said I should hire a lawyer. I tried to contact the plaintiff listed on the judgement the phone number I was given says it can not be reached from my calling area. I google the address and it comes up as a different business when I tried to call the number on the ir websight it says this is a working number but no one ever answers and there is no voice mail.I googled the names of the XXXX attorneys and the law office they are from and I can not not find them in Minnesota. They are supposed to be in XXXX XXXX.And in Minnesota it says that after XXXX years the judgement has to be dropped and it was entered in XXXX and this XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a payment of {$400.00} from my Citibank Credit Card on XXXX XXXX XXXX at a Citibank ATM located at XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXX. The ATM jammed and did not give me a receipt for the payment. I called the branch an hour later and they Branch Manager said they have the {$400.00} that was jammed in the ATM and will make sure it gets credited to my account. It is now a week later and after many calls to Citibank Customer Service and the XXXX Branch Office my {$400.00} has not been credit to 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