vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MA

Complaint narrative:
Opened Citibank Citigold Checking with Promotion Code XXXX. This promotion promised a {$500.00} bonus with the following terms : 1 ) Open new checking To qualify to earn a {$500.00} cash bonus, first open a new consumer checking account in the Citigold Account Package. Then, within 30 days after account opening, deposit {$50000.00} or more in new-to-Citibank funds into your new Citigold checking or new or existing Citibank Savings Plus Account. A minimum balance of {$50000.00} is required to be maintained in the new Citigold checking, or new or existing Savings Plus Account for 30 days from the date that the {$50000.00} deposit is made. '' " The cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. ". 
Account opened XX/XX/2016. XXXX XXXX {$50000.00} deposited into account. 30 days later, XXXX XXXX, qualifications for bonus were met, {$500.00} deposit should have posted no later than XXXX XXXX. I inquired in XX/XX/XXXX and received confirmation letter that qualifications have been met and bonus would post 90 days after qualifications were met. On XXXX XXXX, I had on online secure chat with Citigold representative who confirmed that all requirements have been met, and bonus would post XXXX XXXX. Bonus did not post. Made numerous phone calls and was told there were processing delays and bonus will post. However, this is a bank and they have defaulted on their obligation. I would like my {$500.00} bonus to post ASAP.

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 2016-10-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received a Citi Visa Debit card with a balance of {$450.00} XX/XX/XXXX. The card has a one year expiration date for XX/XX/XXXX. On there site, it says that after 12 months there will be a $ XXXX/month maintenance fee. However, on XX/XX/XXXX, Citi expired the card and charged my entire balance of {$170.00} as a fee.

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 2016-02-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
When applying for a XXXX account online on XXXX XXXX I was given the option to fax in a form to use a credit card or debit card for funding. I called on XXXX XXXX to see if I could speed up the process and complete the funding by credit card over the phone but was told they would no longer accept that type of funding per corporate communication that very day. I asked if any of the faxed forms would be processed if it was already received and I was told it would not. 
XXXX, a supervisor, gave me a call back on XXXX XXXX to explain that they could no longer accept this type of funding. Because I was given the option upon completing my account registration online, I believed that I should still be given the option to fund by credit card unless there was something stated in the terms and condition that the option could be taken away at any time without notice. XXXX could not verify that there was any such language in the terms and conditions to that effect. 
I think anyone who signed up for an account prior to this new exclusion to funding sources should be allowed to complete funding under the previous rules unless it was otherwise stated in writing prior to signing up for the account that the option could be removed at any time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hi, XXXX XXXX obtained a default judgment against me in the State of Texas after the statute of limitations had expired. The statute of limitations for a creditor to sue you in Texas is 4 years from the time you defaulted on the debt. I 've asked XXXX XXXX to provide me with the date and amount of the last two payments on the original Citibank account and they refuse to. I have contacted Citibank the original creditor and they refuse to provide me with this information even though I know they have it. In addition, the original amount listed on the judgment paperwork is different from the amount listed on a credit report from 2013. Please help!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank sent me a promotion in XXXX 2016, offering XXXX thank you ( TM ) point after opening their Citigold account and XXXX bill payments over XXXX months ( please find attached scanned promotional letter in jpg files ). The account was opened on XXXX/XXXX/16 and XXXX bills were paid on XXXX and XXXX ( statement attached ). I have contacted the Citibank representative by online chatting and confirmed the fulfillment of the condition with their representative twice ( in XXXX and in XXXX 2016, please find XXXX and XXXX ). The requests of bonus point claims were denied twice after their lengthy 'investigations ', insisting my bill payments have not fulfilled their condition. It is clearly contradicting their correspondence in XXXX 2016.

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 2015-07-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was being charged for credit monitoring with out my consent from Citibank XX/XX/XXXX-XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received XXXX separate calls from Citibank Student over the weekend regarding a past due balance. A past due balance, that was a mistake made by Citibank Student Loans and the second time this mistake was made When my wife spoke to them, they refused to give her information, despite her being authorized. The representative was pushy, repeatedly requesting payment immediately. She did give her ID # when she spoke. She did not care when we mentioned that the past due balance was an error on the part of Citibank, still requesting payment. We asked for a call back number which she did not want to give and continued to request payment. When she finally gave it, the number to call back brought us to the system and we were informed the offices were closed. They requested personal information that did not seem secure. 
Now, we were able to call back and speak to a representative when they were open. We were informed that they had no control over when people were called and that the staff were told to call and they did so and this was their policy. 
This balance had been " past due '' for less than a week and there had been no email notification or mailing. We received an email today almost a week after the phone calls were received. Further the phone calls were over the weekend ( XXXX ) and repeated. This is excessive, bordering on harassment, especially in light of the whole situation being a result of an inability to process a check correctly and follow the directions on it for a second 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 2015-07-06 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Best Buy Credit Card ( hereinafter referred to as " company '' ), offered through CitiGroup, assessed a non-disclosed " debt protection fee '' on credit card by a third party vendor. Requested documents pertaining to this service and refund for fees inappropriately assessed in XXXX XX/XX/XXXX and XX/XX/XXXX. Company stated that they were unable to cancel the service and that I would have to contact the third party myself. Informed the company of my intent to cancel the card. Company responded that they would cancel the debt protection service and proceeded to terminate the card. Company failed to provide copies of privacy notices and documents pertaining to the card per my initial request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In the transition between XXXX XXXX XXXX and Citibank, my balance was not transferred from XXXX XXXX to Citibank completely. XXXX and Citibank sent out notices stating that because of a change from XXXX they would be closing all XXXX related american express cards and transferring the balances to Citibank, their new partner. Although I did not want this I had no choice. Now I find out that Citibank did not transfer the entire balance and would be reporting my account as over limit until. when I questions this the agent stated that he did not know what that report would do to my credit score.

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 2016-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have submitted multiple letters and have made phone calls to start thethe process to remove my PMI. I have different pages in my original note that ate conflicting. However, Per one of my notes, I am eligible to pay for a appraisal, of their choice, to be able to determine removal of my PMI. My home is now valued at more than the the required amount to remove my PMI. Citi Mortgage will NOT honor what my original note states. I have been paying PMI fees for way too long. My home has a balance of XXXX and is estimated worth XXXX. 
Please Help. Also, my payment goes up XXXX % until 5.25 %. My loan Modification in 2009 appeared to be good, but is n't.

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 2016-03-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
There is a judgment against me from Citi Bank. This credit card did not belong to me. I never filled out an application for this card. I never had a credit card from this company with my name on it. I have contacted the collection agency for this account over 30 days ago and the collection agency states they still do not have a no response from Citi Bank. I contacted Citi Bank and they would give me absolutely no information and kept telling me to contact the collection agency again. Citi bank also told me over a week ago someone from their legal team would contact me. No one from Their legal department has contacted me. When I was married my ex husband had a Citi Bank card but I was never even an authorized user. I am not sure how his debt got put in my name. This judgement was placed on me without any notification. I was never served any court documents. This account dosent show on my credit report at all as being delinquent. Just out of no where a judgement was placed against 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 2016-12-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
We got home from a trip we found a small box from Macy 's at our door containing a XXXX deodorant for about {$29.00}. We called the next day to request a return authorization since it was an item I neither used, ordered, or wanted. After 7 requests and as many phone calls I thought it incredulous no one could or would send me an RA ( return authorization ). No one mentioned, nor did I ever receive a statement showing I owned more. After months of waiting I started receiving daily calls from Bloomingdales / Macys credit asking me to pay my bill of around {$200.00}. Why not the unresolved {$29.00} I asked? They did n't know or care to do anything about it except call again every day. Finally some dear soul told me I had another purchase on the account again made on Macy '. online. and with it my current balance was roughly {$200.00}. 
In all these months I have n't received a monthly bill -- do n't know why. She could not tell me where it was shipped to, since it was n't to me, because they only had records 3 months back in fraud dept ). She asked me why I had n't filed a claim with their Fraud department. Did n't know you had one -- no one 's ever mentioned it to me and I have never been in this situation before.. I have been asking all along if someone used my credit card that it was fraud and I wanted them to cancel it so this would n't get worse. That never happened until the associate that told me what I should have done 5 months ago. They finally closed it 5 months late and are suppose to send me a new one, which will never be used after XXXX that they have put me through. When I looked at it on credit karma I would have thought reading it that they closed it on me and there was no mention of them sending me another card. So it looks like I 'm a bum that does n't pay his bills. If you check you can see where I paid about about XXXX in XX/XX/XXXX on my dept s -- so clearly it was n't that I would n't or could n't have paid them if I had indeed owned them a penny.. Macy 's XXXX customer service is n't something that works. Our family is a XXXX that sticks together and all are refusing to shop Macy 's this XXXX for me -- that will cost them a ton over {$200.00}. Honesty is it 's own reward.Macy 's!

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: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Lending Club Corp
State: UT

Complaint narrative:
several times now I have been contacted by XXXX Mail by Lending Club. they say that I am pre approved for a {$20000.00} loan at a great interest rate. I fill out the application and they turn me down based on things found on my credit report. I keep getting this in the mail and I am tired of them promising loans and then turning me down. 
every time I apply they turn me down and this lowers my credit score every time. it is also a big waste of my time. if they say that I am qualified, then they had better give me the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank is calling and harassing me. I do not have an account with them and I told them that they have the wrong person. I asked them to remove my number and I was told that they would not do so. They are asking for a male, and I am a female. No males with that name live at this address. They are calling constantly. I called back and screamed /yelled at them because I was so frustrated with the calls. This phone number is in my name, not the person they are asking for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In XXXX around the XXXX I received a bill for a Macy 's American express card, that I do n't physically have. My husband and I do not carry any American express cards as we do not care for them. I called Macy 's and talked to customer service and told this the the customer service person and that I did not make those charges. I also asked them to cancel my account, that I did not want an account at Macy 's. The customer service person gave me a case # and told me the information was filed and account canceled and fraud recorded. Then I received another bill on XXXX XXXX saying I now owe {$77.00}. I again called and they said the account was canceled and I needed to fill out a fraud form that the records of my call on XXXX only canceled my account. XXXX XXXX a letter was sent to me to fill out a fraud form, which I did. Then I received a late notice dated XXXX XXXX on my account but now there was a new account number, and I received another bill, this time the bill had the new account number. I called Macy 's back again on XXXX XXXX, 16 at XXXX and was told it was still being disputed but they did cancel the card and issue me a new account, which they were now closing. XXXX who I spoke with said the case number I was given was not a real case number and maybe a new employee gave me wrong information. Again I restated the issue and he said I needed to call the trade commission and gave me the phone number. I called this number and it was not in service. I called back the fraud department of Macy ; s and was told that was the only number they had, that maybe I should XXXX research it. Then I received another letter dated XXXX XXXX, 2016 from Macy 's fraud department to file another form. Which I did! Today XXXX XXXX, 2016 I just received another bill with additional fee 's charged for being late, and now my bill is up to {$150.00} from the original {$49.00}. This is when I finally found a new number to call for the Federal Trade Commission and called because I do not know what else to do, and I am worried about my credit report when I keep getting over dues fees.

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 2016-05-23 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was informed in XXXX 2016 that I had an outstanding balance for a PayPal credit card and yet had no idea that I had signed up for a PayPal credit card. I allegedly signed up for the account in XXXX 2016 and never used it until XXXX 2016. To be clear, I made the XXXX 2016 transaction thinking that I would be billed to my pre-existing credit or debit card account. 

I called the PayPal customer service representative who told me I allegedly went though a credit application process. He also confirmed that I may have confused their credit application button with their payment transaction button. He also confirmed that PayPal does not ask standard credit card issuer application questions ( e.g. what is your income? ), which would inform the standard credit borrower that they were in fact applying for a credit card. 

The damage is first to my credit score. I have had an outstanding score for my entire adult life, and it 's partly because I do n't frivolously apply for credit. Their hard credit check, in addition to my history of applications for another line of credit, damages my reputation to various critical parties, i.e. renters, employers, future loan issuers, etc. 

I 've gone so far as to ask PayPal to unlink this new credit card from my account as I do n't wish to give them my business. I 've also read that a previous class action suit in Maryland represented several similar complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I submitted Case number : XXXX but it was not sent to Citibank but rather to XXXX for resolution. Since the Patriot Act, banks are required to obtain ID before opening an account so I want to know how was a CRIMINAL allow to open an account and receive wire transfers. Also how did Citibank allow their database to be hacked and all correct information on a credit card was stolen and used to pay for my services. And now I am told I have to write-off all my expensesI wire transferred {$3200.00} to what I thought was a legitimate customer of Citibank who turned out to be a scam. The following information is all documented via emails. 
On XXXX/XXXX/2014 we received a request for quote via email from XXXX XXXX from XXXX and Sons to print XXXX flyers. 
On XXXX/XXXX/2014 we received an email with the information on the Mastercard we used to pay for the XXXX and Printing of the material of {$5800.00}. On XXXX/XXXX/2014 the funds from the credit card were deposited into our bank account and that is when we started the printing the material On XXXX/XXXX/2014 he asked us via email for the status of the printing job and asked us to contact the XXXX XXXX to schedule the pick-up by the XXXX XXXX. On this date, he also called the shop to talk about the status. We schedule pick up of the XXXX XXXX at our shop on XXXX/XXXX/2014 and paid the XXXX company the {$3200.00} they requested for the shipment. I was provided a routing number and account number and name. 
On XXXX/XXXX/2014, in reconciling our bank account we noticed that the {$5800.00} was chargeback to our bank account and hence the reason I am writing this information. In the meantime, the XXXX XXXX flyers have been printed and we are waiting for the XXXX Company to pick them up

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I checked my credit report and found a small credit card debt with Macy 's ... but the bill was going to the wrong address. It 's gone into default.

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