vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-15 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Recently my available credit limit was {$400.00}. Due to the recent heat wave, I was waiting until the weekend for a sale to purchase an air conditioner for my elderly mother whose central air conditioner has ceased working. As I was in route to Home Depot, I contacted the credit department to ask for an increase since I may have needed additional funding to cover the purchase. I felt extremely confident in this request since previously Home Depot credit department has constantly harassed me with numerous phone calls even when I made payment arrangements to make payments that were financially impossible to do, I made them anyway. During the phone call I was told that my available credit was decreased and that I would be receiving a letter in the mail shortly explaining that it was due to my credit score and not with making my payments as I was told to. This situation was unwarranted since I made my payments when Home Depot requested and I thought that that was the reason why I had {$400.00} available credit.

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 2016-05-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was told I was eligible for a XXXX XXXX XXXX bonus on a new CitiXXXX checking account if I completed certain requirements within 60 days, so I signed up in XXXX of 2015. All requirements were met, which was confirmed with them repeatedly. They collected monthly fees in the amount of {$30.00}, and then when it came time to provide the bonus, I was told I was not eligible and that I would not be getting the bonus. I have tried to escalate this repeatedly with Citi customer service, promotions department, etc, even going as far as showing them proof that I was told I was targeted. It is ridiculous that Citi is allowed to get away with such blatant deceptive marketing practices, and then to collect monthly fees on top of it. I have spent over 15 hours trying to straighten this out, but have now given up hope. I think that Citi should be held accountable for their actions though. I hope that the CFPB can protect consumers from Citi 's deceptive practices in the future. If my complaint helps at all in preventing XXXX other person from signing up for their misleading promotions, then I will be glad.

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 2015-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: ZENCO COLLECTION, LLC
State: FL

Complaint narrative:
On XXXX XXXX XXXX I received a phone call from Zenco Collections indicating that unless I settled a debt with Citbank that day, I would be subject to legal action on behalf of the creditor. They specifically threatened to place a lien on my vehicle. They indicated that the last payment made on the debt was XX/XX/XXXX. I have no idea if this is a valid debt or not, but this well exceeds the statute of limitations in the state of Florida.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I recently checked my credit report and noticed a Hard Inquiry from CBNA on XXXX/XXXX/2016. I was incarcerated and was not released until XXXX/XXXX/2016. XXXX told me they could not remove the unauthorized inquiry, that I would have to contact CBNA. I contacted CBNA and very clearly explained I wanted the inquiry removed. It was not made or authorized by me and it is a criminal act to run someones credit without their consent. I was told by " XXXX employee # XXXX '' that XXXX would have to contact them. I explained I simply want this removed. It is not my responsibility to contact anybody besides who made this inquiry. I asked for a supervisor and was given a phone number to what I was led to believe was another Citibank office. It was a phone number to the FTC. After talking with them it was agreed upon that this is in fact illegal, and I should file a complaint with CFPB.

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 2015-05-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This concerns a settlement agreement between Citibank and me on XXXX XXXX, 2015 for the Best Buy Master Card ending in XXXX. I had a balance of {$440.00}. CitiCards/Citibank agreed to the settlement amount of {$280.00} to be paid by XXXX/XXXX/15. I was told that if I needed to make changes to the original scheduled payment on XXXX XXXX, it would not interfere with the agreed amount settled and the account would not be a charge-off. I called before the XXXX/XXXX/15 to change the payment lump sum into ( XXXX ) installment payments of {$95.00} to be paid with 1-month. I was reassured from the customer representative that this account would not be a charge-off and would show as being paid in full in my credit reports. I requested that this new payment schedule be in writing. I never did receive a letter of confirmation. I called again to request a confirmation letter and was told that I did not need to worry that my account would be updated after the last payment of {$95.00} was received. 

Here is the schedule of when the payments were taken out of my checking account:XXXX - check # XXXX - $ XXXX - check # XXXX - $ XXXX - check # XXXX - $ XXXXTotal : $ XXXXWhen I called Citicards on XXXX/XXXX/15, I was told that the account was indeed charged-off and the settlement agreement was cancelled because I did not make the payments within the payment cycle. 
I feel that I was given the incorrect information on how to appropriately handle the payment plan that I agreed to. 
Please advise if this account is indeed settled with no more collection activity and not charged-off as I was told. I want to make sure that this account will not show up with the XXXX credit bureaus as being a charge-off. 

I have called the XXXX Department at XXXX several times and none of the customer service representatives can not seem to answer my questions and concerns. 

I have checked my credit reports with the XXXX bureaus and indeed have found that Citicards/Citibank has reported this as a charge-off. 

I was contacted by a collection agency about the remaining balance of {$150.00} that Citicards removed due to the settlement. 

I feel that I was informed by CitiCards/Citibank in regards to my settlement. 

I 've attached the letter confirming the settlement between Citibank and me, the letter I sent them about the charge-off concern and the letter from the collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: VI

Complaint narrative:
This debt was paid in FULL over seven years ago. I have been disputing this item for the past two years and they keep changing the reporting date to a current date so this item can remain on my credit file. Please assist me in removing this item in compliance to the Fair Credit Reporting Act.

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 2016-11-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Was offered a best buy credit card ( citibank ) in 2014 to purchase a TV for {$1200.00}. Signed up for the 24 month interest free path. I was told if I paid this balance off in 24 months, it would be interest free. However, they did not tell me that if I bought anything else on the card, they would pay that before my interest free balance. So, here I am thinking I am paying off my TV by making monthly payments on time of at least {$100.00} for 24 months. I have just learned that I still have a balance of {$930.00} on that TV plus a pending interest charge of {$700.00} in 26 days. I know that this is my fault as I should have spent more time on tracking my payments, but I feel that best buy should have been more diligent in making sure the consumer understands the rules and that Citibank should be liable for yet another scam.

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 2015-12-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As someone who had previously worked in the credit card marketing industry for several years and also an avid user of credit cards from most issuers, I can attest that Citi is arguably the most dishonest company when it comes to bait and switch reward bonuses. Most recently, I applied for a new credit card, the Citi ThankYou Premier, and did not receive my new card for over one month after approval. Citi blamed this on difficulties they had in their card manufacturing department, and hence, all new accounts during an appx 2 weeks period would not be receiving their cards for several weeks after approval. The problem with this is the spend bonus for the new account was XXXX bonus points for {$3500.00} in new purchases within the first 90 days and the 90 days began 10 days after approval. They intentionally delayed shipment of the card and refused to rectify it by extending the time possible for earning the bonus ( i.e. adding 35 days to the time frame, in order to make up for their delay of shipment of the card ). This adversely affected me as I was not able to earn the bonus with normal spending and had to exceed normal spending to earn it. During an approximately 55 minute call I had with them regarding this, they agreed to give me a measly XXXX bonus points for the trouble, which would appear on the next billing statement. This never appeared despite multiple reassurences via their online customer support chat that it would. Most recently, now over 3 months later, they are refusing to honor it and claiming they never agreed to give XXXX bonus points. However this is all documented thoroughly on a recorded call which they refuse to review, despite me insisting through multiple online messages, they continuously respond with a boilerplate response they ca n't help and to have a nice day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-20 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Sears card Credit card was closed without my notification in maybe 2013 after Citibank bought out Sears cards. I learned this when I tried to use it after not using it for a while, but had been loyally paying my balance for about a year. Because I had been paying every month and not using my card, I had not been using my online account. When I began to investigate transferring my balance as a way to lower my absolutely insane interest rate, I learned that my online account was inaccessible. In addition, I have not received a paper statement from Citibank regarding this account in years, but a monthly payment continues to come out of my banking account, and the only way I know this is because somehow XXXX has access to my closed online account, and notifies me that the payment has been made. I do also get an email from Citigroup thanking me for my payment ( which is, every month, just about the interest that has been tacked on that month ). Every time I have tried to gain access to this online account to see Citibank 's activity in my account ( to see any statement, of any sort ) I have had to have an hour-long phone conversation, where I am asked for my account number, which I have not had access to in years. Then, even upon supplying my social security number, no one who is transferred my call is able to even find my account based on my name, previous addresses, SS number, and last XXXX digits of the account number. Which leaves me to wonder, now that I have paid more than then entire current balance to Citigroup over JUST the past TWO years of about four or more years of payments, why I am still paying an account that no one can find? Additionally, I have been told that legally I am not allowed to access an online account because the credit card account was closed ( by Citigroup, without my notification ). PLEASE help. I ca n't afford to keep paying them hundreds of dollars a month but I have trying to slowly rebuild my credit for years so I also ca n't afford to stop paying them.

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: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I enrolled for a Citi Gold-XXXX miles reward program, was accepted, confirmed my acceptance and confirmed my fulfillment of requirements to earn the bonus miles with Bank 's customer service several times, they even told me the date the bonus miles would arrive. 
After that date, I inquired as to why the miles never showed up, the bank " launched an investigation '' and 2 months ( of collecting {$30.00} service fees while they looked ) later, they sent me a letter denying me on the grounds stating that I never enrolled for the rewards program, and when I provided the information on how I enrolled ( including the promotion code ) they stated that campaign was targeted and did not apply to me. EVEN THOUGH they accepted me, reiterated the requirements and repeatedly told me on the phone that I was enrolled and the miles would come. 

The bank is basically trying to deny me the miles and scam me for {$90.00} in account service fees for the account knowing they were never going to give them to me in the first place. I would like them to honor this agreement and grant me the 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 2016-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citifinacial reporting false information to all XXXX credit reporting agencies twice under XXXX account # 's and never gave me the opportunity to dispute the debt before it was added to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello, In 2008 I went to Best Buy and ended up signing for their " My Best Buy Card '' and " Best Buy Master Card. Recently while taking a closer look to my finances I realized that they had been charging me with something call " Debt Protection ''. I tough that high payments for years were for a high APR. I never signed for that " protection program ''. I called best buy and they transfer me to the bank. They then told me they were going to send a request for my money in both cards. Then, 30 days later I got a letter in which they gave me {$30.00} back. But I had been paying for years at least is a XXXX what I want back. Then I called again asking for proof that I had signed for the program. 30 Days later I got another letter with no proof and they were giving me back {$15.00}. Then I call again and they simply told me that they were going to request again proof but is just simply a fraud. I politely asked to speak with someone who could escalate my claim, but the representative told me thats all they can do is send requests and wait. He told me there is no other department or phone number he can refer me too. This is very frustrating. What can I do? I am a very responsible person, I pay my cards every month on time. I am not XXXX those who want to get out of the deal. I just want what is fair, I am paying for stuff that I bought with high APR because that was the " deal '' and what I signed for, but is very frustrating to see that they take advantage and charge you with fees for something that I never agreed. 
I have been dealing with this for months and no resolution with them. Whats my next step. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed my credit card account before I got a chance to pay off with no interest due to a bad check. 

It would 've never been a bad check had they removed the direct deposit from an unused account ( old account closed due to fraud ). I was making payments of {$150.00} on time from an updated account. After i noticed the first attempt to take direct deposit from my closed account ( which I 've called multiple times to remove ), I called again to ask them to remove that direct deposit since I tried and was unable to do so online using their online portal. Btw, I work as a XXXX, so I 'm pretty sure it was a bug on their end. I removed the old direct deposit countless times manually and even over the phone. They decided to cancel my account even though I was making all my payments on time. Because of their incompetence of not removing my original direct deposit like I 've requested countless times, it resulted in a bounced check in which Citibank closed my credit card account. Now my credit is negatively affected. I cant make purchases ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I am being assessed a " returned check fee '' which makes no sense. I have never used a check with my credit card, in fact, I hate that they send them to me. It 's identity theft waiting to happen when credit card companies just issue out checks soliciting balance transfers. It 's just them trying to get more money out of consumers by charging them balance transfer fees and not caring that they are opening up opportunity after opportunity for someone to steal those checks. 
I have n't gone back through my and my wife 's accounts with Citi to make sure that there are not additional fees, but now I absolutely will. Who knows where they came up with assessing a random {$25.00} returned check fee - be it from an ID theft attempt to steal money or because they just thought I would n't notice if they put a fee on 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 monetary relief
Consumer complaint received 2016-05-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
CITIBANK Continues dunning calls with implicit threats re : losing information about a debt and the consequences if I do so. I am working with the fraud department of Home Depot. In spite of that I have been getting many calls from Citi agents. They do not communicate with HD 's fraud department. Complete sloppy, emotionally draining over an issue being worked on with HD. Wrongly called me today -- XXXX XXXX as I mourn the recent deaths of my wife and sister. I am an ID fraud victim.

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 2016-07-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX XXXX I opened a Citigold account using a promotion code XXXX to get XXXX XXXX XXXX XXXX points after fulfilling certain requirements ( {$1000.00} in debit card transactions and a bill payment for at least XXXX consecutive months ). In XXXX XXXX I confirmed with Citibank representative that the promotion code XXXX is attached to my account and what are the requirements for me to get the bonus points ( attached 'Citibank XXXX offer confirmation.pdf ' file ). In XXXX XXXX I confirmed with Citibank representative that I have met all the requirements and that points will be credited to my XXXX account 90 days from the end of the XXXX XXXX statement ( attached 'Citibank XXXX Requirements met.pdf ' file ). I was actively using the Citigold account when I realized in XXXX XXXX that my bonus points have not been posted by Citibank ( it should be the end of XXXX XXXX ). I contacted Citibank and received a response that I was ineligible for the bonus points as I was not targeted and that I will not get the bonus points as originally promised despite Citibank charging me the service fee for the account I opened with the promotion code and my efforts to meet the requirements for the promotion. I do appreciate if you could investigate my complaint and help me making sure Citibank honors their promise. 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