vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I received an email in the middle of the night on XXXX/XXXX/XXXX confirming my Bloomingdale 's purchase. I called first thing the next morning to inform Bloomingdale 's that I did not make this purchase. The purchase was made by someone on the other side of the country. It is not XXXX/XXXX/XXXX and the charge still has not been cleared from my Bloomingdale 's account. I have called every 2 weeks to complain, submitted an statement of fraud, and done everything I have been asked to do. I am furious. I feel like I have no power to get them to clear us and they always give me a run around that it will be cleared by my next billing cycle. I have been told that the department that investigates the claims is back office and does n't have a phone number. Help!!! I have near perfect credit and this is making me insane.

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 2016-07-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
I applied for Citi Gold Checking Account with XXXX promotion on XXXX/XXXX/2016. 
The promotional offer is that AAdvantage XXXX bonus miles will be credited by Citibank within 90 calendar days from the date when you completed all offer requirements. 
I have received a confirmation letter specifically addressed to me from Citibank that I have met all the requirements on XXXX/XXXX/2016. In the letter Citibank stated that " I can confirm the promotion is attached and requirements for XXXX promotion are completed. In addition, now that you have met the requirements and the account review is completed as eligible, Citibank will credit the AAdvantage bonus miles to your AAdvantage account, within 90 days from the end of the statement period in which the completed offer requirements. The last requirement met is dated XXXX/XXXX/16. '' However, although more than 90 days have already passed, Citibank refuses to honor their promotion as promised. In addition to meeting the promotion requirements, I have also paid {$60.00} for their monthly fees while waiting for Citibank to uphold their word.

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 2016-06-15 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My husband and are Citigold customers - preferred customers based upon aggregated balances with Citibank ( in excess of $ XXXX XXXX. We 've been told numerous times by branch employees as well as Citigold account representatives that with being a privileged customer comes special benefits. One of those benefits is no foreign transaction fees. We were told this on numerous occasions and it applied to all of our Citi products. 

Recently my husband and I were traveling overseas and used our Citi credit card and learned that a transaction fee was charged. Immediately upon our return to the states we contacted Citi bank to alert them to the information we received and we were told that 's not accurate for all products. This seems unfair and deceptive. I kindly asked Citi to make a one time concession for us and they have refused. 

Given the misinformation we received on numerous occasions, I believe Citi is not being clear and transparent with their customers. If this benefit only applied to certain products, then we would have used those products - we have multiple cards with Citi where it does apply. 

I 'd like Citi to refund our foreign transaction fees and be clear with customers on what it means to be Citigold and what it does not mean. And I 'd like them to educate all of their departments on the differences. Instead of just passing the buck of blame to someone else internally.

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 2016-01-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a computer at XXXX XXXX and the salesperson suggested putting the purchase on an Office Depot credit card because there would be no interest for XXXX months. I opened the card at the same time as the purchase. The paperwork that came with the purchase clearly states that purchases over {$290.00} qualified for the promotion ( which my purchase was ) and so did the paperwork that came with the physical card that was mailed to me. I amortized the amount of the purchase over the six months and set my account to autopay the correct amount each month. While reviewing my account I noticed that I was being charged interest on the purchase, contrary to what my paperwork says. I contacted the credit card company ( CitiBank ) and they informed me that I needed to take my issue up with Office Depot. I contacted the manager at Office Depot and he tried to resolve the issue with the card but was unsuccessful. The credit card company is refusing to honor the promotion of zero interest for six months that was advertised in the store and on the paperwork that came with the card. The Office Depot manager offered to pay me the interest in cash, but that is beside the point. The credit card company has clearly charged me interest that it was not supposed based on the promotion advertised at the time of purchase. I doubt I am only person that this has happened too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Numerous calls a day, at LEAST 1/2 dozen. I tried talking and there answer was its automatic. Every other co XXXX XXXX was real to deal with. They accepted my Medical Explanation but Citi Bank that holds the card for Sears Refuses to Listen. XXXX XXXX XXXX, and others Respected what was going on but Citibank Refuses to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-27 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It May Concern : I escalated a request to have all remunerations refunded due to credit terms " originally '' signed via ( Citibank 's executive office ) whom is now an account servicer of which ( XXXX ) serviced the debt effective XXXX XXXX, XXXX. After requesting in writing on multiple occasions to have all payments refunded via XXXX XXXX ) now Debt Protection ( Citibank ), a service I am not deemed eligible for per " initial '' credit agreement/disclosure signed XXXX XXXX, XXXX via ( XXXX ). 

However ( Citibank ) recently sent correspondence dated XXXX XXXX, XXXX stating I am eligible of which, a ( Citibank ) agreement sent was never signed or disclosed when originally applying for a " Best Buy ( XXXX ) In Store '' consumer credit card. XXXX XXXX an assigned executive response unit liaison submitted a ( Citibank ) Debt Protection disclosure after disputing my disposition regarding a ( XXXX ) disclaimer she initially sent XXXX XXXX, XXXX which states unemployed borrowers and/or part time employees are not eligible for " XXXX '' which is now classified as " Debt Protection '' per ( Citibank ) due to servicer change/acquisition. It seems as if ( Citibank ) is not willing to refund a balance which is owed for cancelling a service I paid into " prior '' to ( Citibank ) acquiring an account generally speaking. I would be obliged for this letter to be shared with my California Attorney General and all governing agencies for this process is now considered fraud for fictitiously submitting a ( Citibank ) disclosure in place of a ( XXXX ) disclosure automatically deeming a request/claim irrelevant.

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 2016-06-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I have been trying to contact Macy 's customer service about my account and they always hang up on me. All I want them to do is correct my account which they are refusing to do. Whenever I call, my hold time has been over 20 minutes, and then while I am speaking to a customer representative, they hang up ( I can always hear them talking in the background, before they place me on hold again, before even talking to me ). My available credit and my charges do not equal my credit limit, so my a payment was not posted/or taken into consideration. I will never do business with them again once I pay my account off and close 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 non-monetary relief
Consumer complaint received 2016-06-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I signed up for a Citi Gold Checking Account last week of XXXX 2015. At that time, I spoke with a bank teller ( not done online ) that I qualify for the CitiGold Checking promotional offer of XXXX AAdvantage Miles that I received in mail. If I cleared {$1000.00} spend with the debit card and XXXX consecutive months of bill pay from the checking account then I would receive the points. I asked her multiple times to ensure I qualify because my participation was contingent upon me earning those points. She confirmed. IF that is not promissory salesman ship I do n't know what it is ... But it gets worse. First few weeks of XXXX I jumped through the millions of hoops ( felt like ) to get the checking account up and running, a terrible experience in it of itself. Once my account was functional I proceeded in achieving the {$1000.00} spend and 1 month of bill pay. In XXXX I called and asked a representative where I was in satisfying the requirements to be awarded the XXXX AAdvantage XXXX. The rep I spoke to confirmed that I still am eligible for the promotional offer and have completed XXXX of XXXX requirements ( still needing the additional month of bill pay ). XXXX then came and made the bill pay, and what I thought, completed the process. I called once again, and AGAIN received confirmation that I completed all requirements and should now receive my points within 60 days. It is now XXXX XXXX and now resolution ... ... I submitted a inquiry to CITI on XXXX XXXX checking the status once more and received a generic response " they were looking into why they have n't posted yet ''. Last week, ( week of XXXX XXXX ) I secure messaged Citi to confirm my points were on the way. The woman I spoke to said I should hear back from the team NO LATER than XXXX XXXX. It is now XXXX XXXX. I do not have secure message screenshots of the conversations confirming the deposit of the points post-completion however the evidence should be kept on their recorded lines from those months. This was BY FAR THE WORST CUSTOMER EXPERIENCE I HAVE EVER HAD. I feel like I am getting the run around by every single person I talk to just kicking the can down the road so they can get as much monthly service fees ( {$30.00} ) as they can in the process. Completely unjust and criminal in my mind.

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 2017-01-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I bought a computer at Best Buy and they offered a 1 year access plan to use XXXX XXXX for {$30.00}. They did NOT mention that I had to download the software, or I would not have bought it. 
When I realised I had to download the software, because the versions of XXXX XXXX already on the system did n't work with the key, I attempted to download, but the download failed. 
I notified the card ( Best Buy Visa ) and filed a dispute, advising that I had not been told I 'd have to download the software ( or would not have bought it - everything you download slows your system and I just got a new system because my old one was too slow!! ). 
Best Buy called and left a message offering to help me install. By that point, I did not want to install, just wanted credit for the unused/unusable software. 
Best Buy Visa has informed me via letter, and again when I phoned, that they only " exchange '' the software if it 's damaged. 
That is an invalid claim, as the software is n't the issue. It 's the fact that I was NOT informed I had to download it, and now do n't have the use of, nor the desire for, the software I paid {$30.00} for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This process started with a letter ( XXXX XXXX, 2015 ) from Citi suggesting that we could save money by refinancing our existing Citi loan that we have had for greater than ten years. We owe approximately {$37000.00} on the property which was recently appraised by Citi to be worth approximately {$73000.00}. We proceeded with providing information to show our credit worthiness. We answered all questions and followed the completeness of the loan application components on the secure Citi site which we were able to access. We paid for an appraisal ( {$560.00} ) which was completed on XXXX XXXX, 2015. We submitted income tax information, bank statements, credit scores, verification of current income, and over a XXXX-page volume of our Family Estate Plan and Family Trust. We received communications from Citi ( XXXX/XXXX/2015 ) telling us that our loan has been conditionally approved pending receipt of certain documents which we provided. We received confirmation that our Flood Insurance Policy was completed on XXXX XXXX, 2015. In a letter dated XXXX XXXX, 2015, we were informed that our loan request was not approved. When we called the loan officer to ask for an explanation, we were informed that our property was not on their " approved list '' and that it has unverified sufficient flood insurance coverage. Citi owns the loan that currently finances this property, however, and that loan itself has not been challenged. We believe that Citi has a " scam '' going that invites current clients to refinance with no intention of approving a lowered interest rate for their loans. The sole purpose of this process appears to be collecting an appraisal fee. This " scam '' could be XXXX and may involve more than XXXX lending institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have a first mortgage with Ocwen Loan Servicing LLC . my payments are due on the XXXX of each month with a grace period without an additional fee on the XXXX. Due to my payroll schedule and other bills that re due before this payment I choose to make these payments on the XXXX and sometimes a few days sooner. I always use my online bill pay to make these payments and receive confirmation that the bills are paid from my lender. Sometimes, but not consistently, I receive notification via email that my payment was received by Ocwen. However, recently, as of about 4 months ago, I have been receiving letters in he mail from Ocwen looking for remittance on my payment. The letter offers me credit counseling services and at the bottom states : " this communication is from a debt collector attempting to collect a debt ; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect debt. '' I am not in default, in fact my payments are made each month without a late fee. Since I am allowed the grace period, I should not be harassed by these letters of collection. When I get these letters I worry that my electronic bill pay was not processed timely until I check my account. I would expect such a notice if my payments were currently in default or extremely past due, which they are not. These letter should be sent on a case by case basis, not as a general mass mailing and only for those that show as delinquent. I am aware that my payments are calculated based on the XXXX of the month and there may be additional interest added to the term of the loan. But I am given the right and the option of a payment made on or before the XXXX of the month without a late fee. Do you send these letters out to people that make their payments on the XXXX, XXXX, XXXX, XXXX ....? Technically anyone who falls within that grace period would be receiving these and that is not right. We are aware of the terms of our loans, trust me, if we incur a late fee it definitely makes us aware. I 'm sure you have customers in default to the point that they are in the foreclosure process. I do not qualify as part of this group. I would like the notices to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I purchased a TV from best buy in XXXX and my introductory APR recently expired in XXXX of XXXX. I was told by the sales rep and a women from Citbank who handles Best buys credit card that the interest was not compounded at the end of the promotional period. This however was not true, all of the interest is compounded therefore sticking me with a {$1500.00} interest charge on a {$1500.00} purchase. I feel that I was misled by several members of the best buy sales team, and the Citibank agent who handles the best buy credit cards. I was never told that any payments on the account would go towards the highest interest charge. I feel that this is to help consumers but it in fact hurt me because I was unable to pay off the promotional balance in time. I was financially abused by Best buy to get the most money out of me as a consumer. I paid more than the minimum balance through online bill pay so I never really checked the bill and small print. If i was not mislead I surely would have made sure to have the promotional APR paid off in time. Best Buy also reduced my credit limit from {$2200.00} to {$700.00} making me overdrawn therefore dramatically hurting my credit score. This has been an incredible pain effecting my credit as we try to refinance our home. In All Bestbuy citibank has abused me as the consumer effecting my credit score, and making me pay close to 100 % in interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My Macy 's American Express account was compromised resulting in approximately XXXX of fraudulent charges being made on the account. Even though these charges were flagged by fraud protection, they allowed multiple charges to be made to my account. Following my immediate response to fraud protection identifying the fraudulent charges, I was assured that I would be sent a fraud claim for processing and to not pay on the fraudulent charges. I never received the fraud claim. Upon following up on the claim form, I was provided XXXX different scenarios by XXXX different Macy 's American Express fraud department personnel about what action to take regarding the balances and how they would be reported to the credit bureaus. I am on call number XXXX and on hold again waiting for a supervisor to give me what I hope will be correct information. I simply need to know if I have to pay interest and fees on the fraudulent charges to avoid being reported negatively to credit reporting bureaus until the issue is cleared up. XXXX different people gave me XXXX different answers. None seemed to independently be able to explain what happens in terms of credit reporting on my account in regards to this issue. That is just unacceptable. They recommend that I do not pay the fraudulent charges but can not explain the credit reporting scenario associated with me not paying those balances. It is unconscionable to me that Macy 's American Express would allow flagged charges to proceed and then - not mail me the fraud report timely - or explain what transpires with the associated credit reporting scenario. I have excellent credit and find their level of incompetence unacceptable for an agency that can report damaging financial information to my credit report after they allowed obviously fraudulent charges to be made to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a letter from Citibank on XXXX XXXX, 2016 informing me that they had closed my Citi XXXX credit card. The letter stated no reason as to why the account was closed other than " we have a right to close the account '' nor was there any number to call. The only way I can contact them regarding the letter was to send a letter to their XXXX XXXX in XXXX XXXX, SD. I then received XXXX more letters within a week of the first stating that XXXX other credit cards issued by Citibank had been closed also. Again, no reason was given. I have never had a single late payment on any of the XXXX credit cards in the entire time I have had them nor has any payment been returned ever. In addition, I had accrued {$1700.00} rewards on my Citi XXXX XXXX credit card and now I am told I am not able to redeem those rewards since my account had been closed. As far as I know, I had not violated any terms of the agreement so I am entitled to those rewards. Those rewards were earned while my account was open and in good standing. I sent a certified letter to the Executive office dated XXXX XXXX, 2016 asking for a reason as to why my account was closed and as to how I can redeem my rewards. That letter was received by their office on XXXX XXXX, 2016 and signed by XXXX XXXX. As of the date of this complaint, I still have not received a response from Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation