vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear representatives of The Consumer Financial Protection Bureau, I hope you are doing well in The State of Iowa. 
I 'm writing to you because I would like to request your helpful cooperation. I 'm experiencing some very serious difficulties with the Financial Institution " Citibank '' and their credit card " My Best Buy Signature Master Card ''. I have been so patient with them but I ca n't take my problems with this credit card company anymore. 
Last night, I called this credit card company for a fourth time. The person who I got on the phone when I called was very rude and not helpful with my situation. I had the same situation around 4 days ago when I called them to follow up. 
I believe I have also been discriminated by them because I 'm a foreigner. I was born in XXXX even I speak English very well but I have a little accent when I speak English. Some of their representatives sounded very prejudist and probably they are acting like this with me because I 'm a foreigner. 
I have also tried to respond to Miss XXXX XXXX message and letter, I called her telephone number that was provided in her letter sent to me several times and I have left several messages for her but she just does n't answer my voice messages to talk about this problem that we have about the XXXX certificates that were issued to me by the credit card company directly ( Not BestBuy ) XXXX certificate was for {$10.00} and another XXXX for {$5.00}. I have also called her telephone number that was displayed in my caller ID when she tried to call me on XX/XX/2016 but she did n't leave me a message when she called me. 
The company Best Buy also confirmed to me that was the credit card company who issued me these certificates and not Best Buy Rewards. 
Several customer service representatives promised me several times that a supervisor of The Citibank Office of the President was going to call me to address this issue. I was waiting for the phone call for many weeks. 
Every time I called them to follow up, they just answer me with excuses and more excuses. I got also many false promises that a manager of The Office of The President was going to call me but nobody called me. 
I do n't know why they say that they ca n't reach me. I always answer the phone or I call back if they leave me messages. I 'm a professional lawyer, interpreter and translator and I deserve to be treated with respect by the credit card company as a good customer that have been of her credit card company Best Buy Visa signature Card of Citibank All done concerning to this matter will be greatly appreciated. I will be glad to send you records of my phone calls that I made to them trying to reach XXXX XXXX XXXX. 
Thanks. 
XXXX 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 2016-05-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a CitiGold Checking Account in XXXX 2015 with a promotional code offering XXXX XXXX XXXX miles when meeting listed requirements. I confirmed via email with a representative from Citi that my initial online bill pay through the account ( one of the listed requirements ) had been completed successfully and would count toward the promotion. I met the remaining requirements in XX/XX/XXXX, as confirmed via online chat with a Citi representative and Citi stated in the promotional materials the miles would post within 90 days of that statement ( anticipated post date in XX/XX/XXXX ; also confirmed by Citi rep ). In XX/XX/XXXX, I provided my XXXX XXXX account number to Ciit via email so they would be able to credit the miles and received notification back specific to this promotion that the account number had been added. In XX/XX/XXXX, I received notification my XXXX had been accepted, and the airline miles would be applied on my XXXX XXXX account statement. When the miles had not posted within a few days of the XX/XX/XXXX statement, now more than 90 days from meeting requirements, I submitted an inquiry and was given the response that I did not have a promotion attached to my account and was not eligible for the promotion. I have since paid {$60.00} in total monthly service fees to Citibank and have appealed their response multiple times with the same conclusion each time. On XXXX XXXX, I received a response from their customer service team offering to look into this issue further if I felt it was a mistake, however they have already rejected my advice to review the emails their team sent to me stating I was on track to receive the promotional miles credit. All they have done at this point is waive my next monthly service fee of {$30.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: LA

Complaint narrative:
I received a letter in the mail stating that I owed XXXX {$810.00}. The account is under my married name is XXXX. I am divorced and went back to my maiden name which is XXXX. I asked the representative to give me information about the account. She verbally told me the dates of service, name on account, address, and phone number. I asked for validity of the account to be sent to me. The representative stated that she would send the documents for validity and that I would have to fill out documents for an Identity theft victims complaint and affidavit form. I only received the Identity theft victims complaint and affidavit form. I called Afni ( the collection agency ) this evening and I was told a different story about the validity of the collection. I asked for an extension on filing out the Identity theft form and I was told she did not know how to request that but she would document it in the notes. I expressed that I was not paying a bill from XX/XX/2012 that I do not recall and that is why I am requesting validity. She said she would document the statement. This Identity theft form wants me to put a fraud alert on my credit files and file a police report. I am not willing to do this especially when I do not even know anything about this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
When I opened the Sears Credit account in XXXX 2014, I purchased a refrigerator and television, and their warranty plans, for a total of {$1600.00}, using the 24 month deferred interest promotion. I am wondering, since those were my first purchases on this account, why have n't my payments been going to those balances first? Why, in 18 months, has only {$200.00} been applied to their balances? The accrued interest set to be added is currently at {$870.00} and likely to be {$1000.00} by XXXX, when the promotion expires. 
I pay much more than the minimum due each month. At the very least, why is n't that extra money being applied to those balances? I looked throughout their website and could not find where to set it up that my payments be applied in this way. ( Another company with similar promotions has choices on their website. ) I could not find anything on their website or statement describing how payments are applied ( other than the info regarding standard payments and grace periods-which do not apply here ). There are now only 4 months left on that promotion, and I want to guarantee that all of my payments are applied to that promotional balance. 
**I tried sending an email to sears on their website. I had all the above information included. When I tried to send it, I got an error message stating " special characters were not allowed ''.

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: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My standard finance rate was raised to over 25 % without cause ( they do have an opt out ) I have a perfect credit history and an income level to place me in the top % XXXX of the country. I have had this card for several years and never had any credit or payment problems with me or I with them. 
It is an outrage that someone with an excellent credit history ( Fair Issac typically around XXXX - XXXX ) is placed in such a category, no doubt, for profit alone. Why do people maintain good credit? Why maintain a good credit history is one is to be subjugated to such extremes? What legal authority do they have to do this? Are there not laws that regulate how banks treat citizens for the good of the nation? What do they charge people with bad credit history? 250 %? 
When I was young this was considered usury and was illegal. Many tolerate the XXXX fees today because they have no choice with bad credit but mine is as good as one can get, yet with my excellent credit rating/ history I am treated like pariah at Macy 's . 
Please help. 

Below are relevant info. 
Thank you for your assistance. 
XXXX Name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX Occupation : XXXX Age XXXX CC rating XXXX Macy 's cc # ( last XXXX ) My husband is writing this letter for me as I am not well at the moment, undergoing XXXX which incapacitates me. This matter concerns me greatly as credit is our way of life and I worked hard on mine all my life. To be raised to such an exorbitant rate is astonishing in this day, in this nation. Is Macy 's based in XXXX ( where they are experiencing insane inflation ). 
I just do n't understand. I worked a=hard all my life, I 'm a professional and yet I am still given the highest rate with no cause. Is this what America has come to, \???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank made a public offer XX/XX/2016 follows : " Open a new account in The Citibank Account Package and earn {$400.00} with a qualifying deposit. '' Conditions were set as follows : " 1. Open a new checking acct between XX/XX/2016 - XX/XX/2016 ; 2. Make a qualifying {$15000.00} deposit within 30 days after opening the account ; and 3.Maintain a minimum balance of {$15000.00} for 30 consecutive calendar days after the initial {$15000.00} deposit. The cash bonus will be credited to your new checking account within 90 calendar days from the date you completed all offer requirements. '' I opened a new checking account on XX/XX/2016 with Citibank and made the initial {$15000.00} deposit by XX/XX/2016. The end of the required 30 days was completed XX/XX/2016. My account is still open as of today XX/XX/2016 with a balance of {$10000.00}. The required 90 days waiting period was completed XX/XX/2016 but the promised {$400.00} bonus has not been deposited in the account as of XX/XX/2016. 
Upon an inquiry made today, Citibank now informs me that I must wait an additional 60 days for the bonus to be paid and that if I close the account I will forfeit the {$400.00} bonus. 
By opening my account and fulfilling the requirements for the bonus I have earned the {$400.00} bonus as per the rules agreed between Citibank and I. 
Citibank should not be allowed to change the rules ( the additional 60 days ) after a contract was established between the 2 parties. 
I am asking for the immediate payment of the {$400.00} and for a penalty of an equal amount on Citibank for defrauding on a contract with a 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 2015-08-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had trouble making payments on my Macy 's credit card. I do all of my payments online and Macy 's is the most troublesome. They offer a payment tab on their store credit card online account profile but the site is almost always blocked. I tried from several sources to complete this request and then resorted to calling them at their customer service line XXXX @ XXXX, only to hear a message stating that I should call during regular business hours. Making it this difficult to make a payment is their standard memorandum operandi. I now have to go back to paper billing to have a consistent and reliable way to pay my bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
This is regarding the transition of the XXXX XXXX XXXX card to the Citi Costco product. 

1 ) Upon activating my card, I found out I am past due though no statement was sent to me. Hard for me to pay a bill that I never received nor have an address to send a payment too. 

2 ) A few days later, I got 3 calls from their collections department during working hours on my cell phone. The first two times, I was busy do did n't pick up and there was no message. The third time I did pick up and had a very unhelpful conversation with CS associate. He did alert me that I was accruing finance charges until I pay. At this point, I still have n't received the paper statement, getting multiple calls from Citi harassing me for a payment and told I was still getting finance charges because I 'm late ( though no late fee ). Had to call and fight all of this.

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 2016-04-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was automatically charged XXXX for a XXXX policy that I did not renew. The computer the policy was on no longer works. I would not renew a protection plan for a computer that does not work. I called the XXXX to get the charge off but they only gave me {$15.00}. They told me I had to cancel in 30 days but I never renewed the policy.

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 2015-04-14 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
My mother ( who does not live with me and her phone # is not on my account ) keeps receiving phone calls saying they are from Macy 's and my account is past due. The # they gave to call back is XXXX. I called and they wanted my name, account # social security # and a debit card to pay my " past due '' bill. I gave them nothing, and told them I was looking at my bank statement and $ WAS debited out of my checking and I was not late. I called Macy 's directly. This # is NOT associated with Macy 's. I was told they 've had several complaints associated with this #. There are also several complaints on the internet about this #. They are not from Macy 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, I called Macy to pay all balances in full through phone, and the Macy representative agreed and confirmed that the account was CURRENT. Then, I requested the account to be closed. 

Upon checking my annual credit report on XX/XX/XXXX from the XXXX credit reporting agencies : XXXX, XXXX, and XXXX, I have found that my credit reports showed my closed Macy account was " 30 days past due ''. 

On XX/XX/XXXX, I wrote a letter to Macy and requested an investigation to resolve the issue. In the letter, I provided Macy with full name and account number. 

On XX/XX/XXXX, Macy wrote me a letter to request me to send Macy the full card number which I did not have because I already destroyed the card when I closed the account. 

On XX/XX/XXXX, I wrote a letter to Macy to explain them that I no longer possessed the card and therefore was unable to provide the card number. However, I gave them my social security number and date of birth including the full account number, and requested Macy to investigate. 

On XX/XX/XXXX, Macy responded in a letter stating " Our records indicate that the information appearing on your credit report is correct '' without providing any physical evidence and detail how Macy came to that conclusion. 

I do not agree Macy 's conclusion without providing any physical evidence to prove that the payment was late in XX/XX/XXXX. Furthermore, I do not agree with Macy tactics to delay the investigation by requesting the information that was already provided such as account number. 

Since Macy is not able to provide any physical evidence that the payment was late in XX/XX/XXXX, I request Macy to notify the XXXX credit reporting agencies : XXXX, XXXX, and XXXX to remove or delete the negative item on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I am contesting CITI BANK FLEX ACCOUNT. It is not mine as such, I believe that it is fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
My mother and I own the home together. I am in a treatment facility for a minimum of 120 days and no longer am able to live in the home with her. However, she would like to stay living in the home and take over the payments. But, I must be taken off of the loan in order for this to happen. Otherwise, the home will need to be vacated completely by both customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc.
State: GA

Complaint narrative:
My ex-husband and I owned real property. In our divorce, he was awarded the real property. I signed a QuitClaim Deed to him for my interest in the property. He failed to pay the condo association dues for the real property. The dues were sent to a collection agency. I only learned about this when I saw an account in collections on my credit report. I contacted the collections agency via telephone and certified mail and informed them that I did not own the property and was not responsible for payment. I also sent them XXXX the recorded QuitClaim Deed and the divorce decree. My ex-husband has since paid the dues, however the collection agency refuses to remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank advertised in XXXX 2016 that it will give {$400.00} bonus to a customer who deposits {$15000.00} into a new Citi Bank checking account. The bonus will be rewarded within 90 days. I opened a checking account with Citi in XXXX, deposited {$15000.00} on XXXX XXXX, 2016. The bonus is supposed to be deposited into my account on XXXX XXXX, 2016. I called the bank many times, first time on XXXX XXXX, it said the issue will be handled within XXXX -XXXX hours. As of today, XXXX XXXX, the bonus {$400.00} was not there yet.

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 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A thief stole almost {$10000.00} from our checking account at Citibank by impersonating my wife with a fake ID and cashing XXXX forged checks against our balance at XXXX different branches in late XXXX / early XXXX of this year. Citibank notified us about the fraud, so we went to a local branch where we signed an affidavit stating we were n't involved in this scheme and provided all the information required for Citibank to process this claim. The branch manager, with whom we met for about two hours that day, told us Citibank would credit the stolen funds in a matter of days. It 's now been almost a month since then and Citibank has n't restored the money to our account. Now they 're saying their investigation could take up to 90 days because of the nature of the fraud, with no ETA on when or even if we 're going to get our money back. We think it 's wrong that Citibank is withholding this money, which we need, when the only reason why it 's missing is due to their lax and negligent security safeguards and practices. For example, apparently Citibank made no effort to verify that information on the fake ID used by the thief, such as my wife 's date of birth, was correct. Citibank also instantly cashed the XXXX forged checks which apparently were checks from closed or non-existent businesses whose accounts either never existed or were no longer open. Citibank did n't bother to verify if these checks the thief presented to the tellers were valid and legitimate before handing over almost {$10000.00} in cash from our account to a criminal. In addition, Citibank should have flagged these transactions as suspect the moment the thief tried to pull them off because we 've had this checking account for almost 20 years, and we never conducted such a transaction, namely showing up with XXXX checks issued to us by XXXX third parties, and cashing them right then and there. We want Citibank to acknowledge its failure in protecting our money from this criminal and credit the stolen funds to our account immediately.

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