vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank called the merchant and discussed my dispute without my knowledge or discussion of my issue. They then notified me of the " settlement ''. 

I closed the account. Not likely to ever use them again no matter how low or long the 0 % rate is.

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 2015-03-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Cities bank located at XXXX XXXX XXXX stole funds from my checking account.By sending payments to a company that was paid off in XX/XX/2014.of said year.It made my account seem overdrawn which it was n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Have been trying to close a credit card account with Citi ... they said the account was closed but refused to provide confirmation that the account has been closed. I am still receiving e-mail and postal mail correspondences on the closed account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX/XXXX/15 I authorized Macys ( Department Stores National Bank ) to pay my account from my checking account on XXXX/XXXX/15. A letter from was sent to me confirming that this was authorized and would be done. It turns out that the Department Stores National Bank has been updating its system ( did not advise the customers ) and never processed my payment. They accused me of not paying my bill and assessed a late fee against my account. They refuse to reverse the charge even after I provided them with the confirmation # received at time of my processing and letter from them acknowledging I scheduled a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello I applies for this Citi XXXX Credit card because, I saw it being beneficial for my job as I travel about every week and so does my son. While being out on a business trip they blocked my card and I called several times telling them I did n't not have any funds to go back to my home. They told they did not care and I asked about their travel insurance that they had and they did not even care to help me. It has been approximately 3 months and I have sent my social security copy, Driver license, Mortage statement, Water utility Bill, Faith of loan of my house to verify address. Regardless of all this they refuse to unblock my account and I am tired of having to deal with calling and waiting for hours to try to resolve this issue. They have impacted my job and have wasted over XXXX Hours of my time with this issue. I told them that my son has an extra line and that is what I use along with my company cell phone number and regardless they refuse to help me. I am tired frustrated and simply had enough with them. They already charged my annual fee of XXXX dollars and sent the statement but, yet they refuse to activate my card. I have lost time, money, and have went through emotional issues because, of being left stranded in another city for work and not being able to rely on them.

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 2017-03-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Credit card account with Sears issued by Citibank was wrongly reported as a charge off to the credit bureaus after being closed by Citibank. Account received monthly payments as required but reported after due date and without notifying any late payment, past due balance or any contact for orientation account was closed affecting my credit. After closing account the balance was paid in full in XX/XX/XXXX, in my XXXX credit report is reporting as it was closed on that date XX/XX/XXXX affecting more my credit score because the account was closed on XX/XX/XXXX. Account was opened on XX/XX/XXXX and closed in XX/XX/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 explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
While traveling overseas, I was given a drink that was XXXX for several hours. During this time my wallet was stolen, a merchant initiated fraudulent transactions totaling over {$20000.00} across every credit card in my wallet, then after I had awoken ( and not realized I was XXXX ) my wallet was returned to me as " found ''. I did not realize these charges were made until I saw fraud alerts on my phone the next morning. 

I have attempted to resolve the issue with Chase multiple times and they have rejected my case and declared " You notified us that this transaction is valid '' This is false. 

The charge in question was to a merchant I never visited nor can I identify. An internet search of the merchant yields no results and does not appear to exist. It was XXXX of the XXXX merchants that initiated charges on my cards that night. 

I have tried to contact them multiple times and have been told someone will contact me within 24-48 hours and no one ever does.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I opened a Citigold checking account with Citibank on XXXX XXXX, XXXX. I entered the promo code " XXXX '', which was for a XXXX AAdvantage Miles bonus. I completed all the requirements of the offer : one bill pay in two consecutive months and spend at least {$1000.00} in debit card purchases with their respective debit card. I made the qualifying bill pays in XXXX and XXXX and completed the {$1000.00} spend in XXXX. I contacted Citi via online chat session on XXXX XXXX after I finished all the requirements needed and chatted with XXXX who checked my account and told me I correctly completed the requirements and should receive the bonus miles no later than XXXX XXXX, XXXX. I contacted Citi again in XXXX to see why I had n't received the promotion. They sent me an email a week later saying I was never targeted for this promotion and I wo n't be given the promotion. I 've looked through my files and emails, but have n't found the letter or email that had the original promo code on it. How can they take away the promotion after I 've met the qualifications? If I was never targeted for this bonus, why did they let me open the account, give me a promotional disclosure with the rules, tell me I would receive it over their online chat session, charge me a $ XXXX monthly fee for the account ( {$90.00} deducted total so far ), meet the rules and wait all this time before finally telling me, after I had to contact them numerous times, that they are n't giving it out?

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 2016-07-18 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 Citibank 's Citigold account via a promotional code ( XXXX ) in XXXX XXXX. The promotion was to to earn XXXX XXXX XXXX AAdvantage miles. I met all the requirements months ago, and yet the miles still have not been deposited into my account. I spoke with and messaged Citibank multiple times over the course of the past few months. Each step along the way, Citibank assured me that the promotion code was good, that I was eligible, confirmed that I had met all the requirements, and that I had met all the requirements in the time required ( i.e. before any deadlines ). NOW, they are refusing to honor the promotion and will not give me the XXXX miles. In addition, I recently received a letter from CItibank telling me the following : I recently received a letter from Citibank stating the following : " Our records indicate that your account was credited {$300.00} on XXXX XXXX, XXXX, for meeting the required terms and conditions for Promotion XXXX. There can only be XXXX promotional offer per customer. Since you have already been awarded a promotional incentive, you do not qualify to receive XXXX XXXX Miles for Promotion XXXX. '' However, I never signed up for promotion XXXX. In addition, I specifically opened a CitiGold checking account using the XXXX promotion code. So, I told Citibank to please go ahead and debit the {$300.00} out of my account, and deposit the XXXX XXXX miles into my XXXX XXXX account instead. However, they are refusing to even do that. They are saying that you have to be " targeted '' for any promotion, even though that is not what they told me previously when I spoke to them several times. Furthermore, I was never " targeted '' for the {$300.00} XXXX promotion, so this goes in direct opposition of what they claim. Finally, I spoke with them MULTIPLE times and they verified that I was eligible and had met all the requirements and that the points would be credited to my account within a few weeks. Now, they are changing their minds.

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 2016-09-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Macys continues to add additional false information to my credit report. I had asked for verficaiton of the debt they said I owed. They then added additional negative marks on my credit report. Macys claims my account was charged off in XXXX XXXX but they have recently reported over 5 times in XX/XX/XXXX that the account was re charged off. 

I have disputed these facts with the XXXX credit bureaus and they say Macy 's confirmed and verified that they charged off the account all of these 5 times in XX/XX/XXXX, which is false and in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices rights. 
15 U.S.C. 1681s ( a ) ( 1

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My husband passed away on XX/XX/2016. I reported his death to Citi Dividend card by e-mail and attached his death certificate to that e-mail. We have been using this card for more than 5 years and never missed a payment. Without even replying to my e-mail they closed the account and cancelled my card also. I found that when my payment to my utility company was declined. There was a balance of {$250.00} on the card and they sent that to collections department. I made the payment for the balance immediately and asked them about the dividend dollars of {$170.00} that we accumulated for over many years. After talking to number of people and wasting number of hours I was told that the check can not be issued. I told them to issue the check in my husband 's name. They said they ca n't do that because the account was cancelled

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 2015-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
XXXX XXXX, of XXXX XXXX XXXX, XXXX, Indiana XXXX was charged an additional year 's mortgage payments for his home. The home was purchased in XXXX with a XXXX mortgage and should have been paid in full in XXXX. This did not happened, he was charged for an additional XXXX for this error that was made. In XXXX XXXX he owed XXXX, a check was sent for XXXX which is the regular scheduled payment. They refused to apply the check to the final mortgage payment and stataed the money was applied to interest fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I belive the date was XXXX/XXXX/17 between XXXX & XXXX PST, when a XXXX XXXX from XXXX XXXX XXXX called my job on our recorded line and after being advised that the call was recorded asked for me using my first & last name. I was on the phone with a customer at the time, but sit right next to my manager that took the call. I could here him as he repeated my first & last name and asked XXXX if her call was personal or business related. She must have said personal or something related because I heard him tell her the employees could n't take personal calls at work twice. However, instead of ending the call, Citi Costo Card, XXXX XXXX XXXX & their rep. XXXX XXXX proceeded to embarrass, humiliate me & caused me to get repremmended by insisting on leaving a non-prompted message for me. Next thing my manager is handing me a sticky note and telling me what sounds like a debt collector called & insisted on leaving a personal message for me after he advised we ca n't take personal calls. He said XXXX XXXX from XXXX XXXX XXXX said she was calling to give me some information. Then had a few words with me about personal calls. 
XXXX left the XXXX # for XXXX XXXX XXXX along with her extension XXXX. Which is misleading cause they call from a different # which is a TX state phn # XXXX XXXX XXXX XXXX. Now I 'm XXXX because this can come up during a group random call review in training. Anyway now my job has this on record/recording which is not only humiliating but can be damaging to my reputation and profession and could cause me to lose my job. Later i found that Citi Costco Credit Card div is having them call. How could they have them do this 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 explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a Home Depot credit card for many years at XXXX balance. I looked at my credit score and saw that the account had been closed. I called the Home Depot credit department, I believe it 's with Citibank and was informed by Customer Service that it had been closed from XX/XX/2016 from the credit bureau. They could not tell me the reason why they closed the account but directed me to contact the credit bureaus. So I said hypothetically there could have been a negative on someone 's credit history due to fraud or id theft or what have you, the company DOES NOT inform the consumer but takes a decision based on the red flags that the credit reporting agencies without any input from the consumer, and then not tell them about their decision. This is a totally unfair practice. Home Depot should have had the courtesy to let me know that they closed my account and on what basis. I am in dispute with another company in regards to late payments on my account. But a company can not make decisions solely on the credit bureaus reporting without the knowledge of the consumer.

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 2015-06-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX XXXX, 2015, CitiBank/Sears issued a Sears Mastercard to someone in my name using my social security number and a different date of birth. I had identity theft in the past and have an active 7 year alert in place with all XXXX credit agencies. The alert says to call me at my phone number before approving. Sears did not do this. Rather the agent on the phone explained that Sears used another means of validating my identity by answering some security questions from my credit report. Sears is now going to issue me the card then cancel it and credit me the approx. {$700.00} in fraud against them. 

There should be some sort of penalty or fine for companies that call the number when there is an active fraud alert on the credit record. I find it very frustrating that Citibank/Sears can approve credit in minutes but thats 45 days to remove the record from my Credit Report. It has cost me 2 hours of my day to get this resolved, and it is still not resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Explanation of complaint : I tried to modify this loan XX/XX/XXXX through the National Mortgage Settlement XX/XX/XXXX. It was a XXXX mortgage. I was newly divorced and just coming off XXXX treatments and really needed the modification to keep paying on the loan. After much due diligence they told me I did n't qualify. They said I didnt make enough money. I tried again after calling the National Mortgage XXXX people and they said I should qualify. But was told once again by Citimortgage that I did NOT qualify. So at this time I could no longer keep up with the payments and just stopped paying temporarily .... just for a breather. ANd really was struggling financially. At this time I was upside down with the XXXX. and the XXXX. 
Sometime XX/XX/XXXX I called the automated service and it said the account was PAID IN FULL on XXXX XXXX XXXX. I thought maybe the loan had been forgiven since I had NOT heard anything from them and had NOT recieved any mail from them. Also I knew that they were at this time forgiving loans so thought maybe I was one of them. Later in the year I called and spoke to someone who said it is possible the loan was forgiven and I should keep my eyes open for a forgiveness letter. I know they record these conversations so they would have this on their transcripts Im sure. I then started getting emails saying they had tried to send me something thru the US Postal service but was being returned to them. I called about this and the girl I spoke with said the account was closed so this was probably just an automatic email and just disregard it. Again ... ... this would be recorded. So it is now XX/XX/XXXX and was hoping to get a Harp refinance on my XXXX. and find out the Citibank has a lein on my home. It has been three years and I have not heard a word from them and I have been accruing penalties and interest this whole time. 
My fear is that they will forclose on my home. My business has suffered from the economy and I cant work as hard as I once did due to not having the stamina from having XXXX. I would like to know why their system says the loan was PAID IN FULL and why I didnt hear from anybody for over 3 years. It just doesnt seem fair. Because I thought this loan was forgivin and I never heard from anyone for over 3 yrs. I dont think its fair that I should now be in a collection dept. and afraid the may foreclose on my house. 
I dont want to lose my house. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12 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 checking account pursuant to a CitiBank offer that promised a bonus award of XXXX XXXX Aadvantage points provided I made a certain amount of online bill pay payments debit card uses within a two month time period. A copy of the offer is attached. I do not recall where I received the offer, whether through CitiBank ( I am an existing credit card customer ) or other place. 

In any event, after opening the account I called CitiBank customer service and confirmed I was enrolled in the bonus offer program. After hearing that other participants in this bonus offer were denied bonuses, I contacted CitiBank again regarding this issue and received an email letter, stating that I was not eligible for the offer. A copy of this letter is attached. 

I signed up using the offer code and was approved by CitiBank, a process that included a credit check from the bank as well as funding the account properly on my part. I have been using the account and have now met the program requirements. 
Nonetheless, CitiBank has denied me the bonus. I believe this accounts to a bait and switch tactic designed to get me open my account, deposit money into the bank and not provide me with a promised reward. 

Can the Consumer Financial Protection Bureau assist me with this complaint so that Citibank provides me the promised XXXX Aadvantage points?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-02 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 an CitiGold account with Citi Bank on XXXX/XXXX/2016 with the offer to receive XXXX bonus Thankyou Points after meeting the requirement of making 1 qualifying bill payment from the checking account each month for two consecutive calendar months. I called Citi Bank on XXXX/XXXX/2016 to confirm that i was enrolled in the promotion, the representative confirmed that i am enrolled and will receive the promotional bonus. My call to Citi Bank on XXXX to confirm the promotion is listed on their account notes. I have met all the requirements and Citi Bank has not posted the promotional points. The points were supposed to be posted with in 90 days and now it 's well over 90 days. Please help me resolve this issue and have Citi Bank post the XXXX bonus Thankyou points to my account. 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 non-monetary relief