vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX Issues : 1. In XX/XX/XXXX, Citibank 's system mistakenly stopped my automatic payments which resulted in a negative report that I was late. I fixed it immediately by paying and they put me back on autopay. The agent said they would put in a request to remove the negative item, but apparently they never did because it 's still on my report, affecting my credit. I called today to follow up. They had no reason for failing to have it removed. They are " investigating. '' 2. Misrepresenting a deferred payment promotion. At Best Buy, I bought an IPAD in XX/XX/XXXX. The Best Buy agent told me it was XXXX interest, and if it was n't paid in full, then I start paying interest at that time. He never disclosed that I would be charged for BACK interest! I never would have signed up for the promotion had I known it 's true nature, or I would have made sure it was paid off within the time period. I do auto payments religiously so had no idea what happened. Then, I found out that my credit is negatively affected bc of Citibank having my account OVER my credit limit due to the back charged interest, of over {$500.00}! The IPAD cost that much for goodness sakes. I offered to pay in full, minus the deferred interest, to which the supervising customer service agent said he could n't do anything, and there was no one else I could talk to. I said, not even general counsel, a VP, another supervisor? In the entire Citibank organization, there is no one? He said, no. 

This card is the only negative item on my credit report. It has hurt my credit, and is now subject to inquiry when I seek credit. Citibank refuses to rectify either situation.

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 2017-03-26 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank promotes an XXXX business card that promises to reward you a {$99.00} companion ticket when you spend {$30000.00} in one year. We met the spend requirement over XXXX weeks ago. It has now been XXXX weeks since we paid the annual fee for the second year with the card. We have made multiple requests for the reward for the {$30000.00} spending for last year and never received any reward. Every time we called they said it should be there in another XXXX weeks.

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 2016-09-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I never had an account with Citibank for student loans. There was someone else that opened up accounts in my name and I did not receive any benefits from the loans. None of the money went to my college, for my degree. Now, Citibank keeps bothering me and taking me to court. This is embarrassing because they keep sending court documents to my job. They froze my bank account XX/XX/XXXX to XX/XX/2016- when I had the issue resolved in court. They froze my account again on XX/XX/2016. They will not answer my calls, emails or fax. The only time I was finally able to talk to someone XX/XX/XXXX, the woman cursed me out and hung up on me. I never had an account with them and they keep making up this this {$10000.00} plus amount. I have sent several letters to them via mail, fax and email and they will not respond. I can not take care of me and my baby because they keep freezing my account, whenever they feel like it. This account is not even on any of my credit reports and I check several times a month. They refuse to tell me how I received this balance. They are very rude. They sent this issue over to XXXX XXXX attorneys. I am very upset about this issue.

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 2016-09-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hello, I opened up a Citigold checking account on XX/XX/2016 a promotion stating I would receive XXXX XXXX XXXX Advantage miles ( worth approx. {$500.00} ) after meeting XXXX requirements. 

I then met those requirements. I then called XXXX different Citi representatives who confirmed that I met those requirements and was guaranteed XXXX XXXX XXXX Advantage Miles to be deposited into my account by XX/XX/XXXX. 

Through this time I was charged two monthly service fees of {$30.00} each. After confirming this promotion was applied to my account, that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX Citi has refused to honor my points. 

I used my debit card for the purchase portion of the promotion on XXXX/XXXX/16. I messaged Citibank before making the debit purchase to confirm my purchase would be valid for the promotion. After months of waiting and without notice, Citibank decided that my {$1000.00} debit card purchase did n't qualify unless I can confirm and present my merchant 's payment coding information. I do n't keep any of my merchant 's payment coding information and no one ever told me to hold onto this information over the last 6 months. I had multiple conversation which confirmed the eligibility of my debit purchase before I made the purchase and directly after. 

During this time I was charged {$60.00} of fees and I will not be getting {$500.00} worth of XXXX XXXX Advantage miles. What is most frustrating is that I called Citibank and they confirmed I met the criteria for this promotion two times. 

There are hundreds of people in the same situation as me. I 've talked to other people online who have had the same problem. It is not fair from citibank to guarantee something and then take it away randomly. Citi has lied to me and and taken my money. 

I have to pay my services fees and my part of the contract, but apparently Citi does not have to pay theirs. This is totally ridiculous and someone needs to do something. 

Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over 18 years of age, and I had never before held a consumer checking account with Citibank. 

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
Consumer complaint received 2017-03-13 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citigold customer service has sent a letter denying my {$400.00} promotion for opening a savings plus account and depositing XXXX with them. Every representative officially has confirmed that i should be getting the {$400.00} promotion in my account. I am including proof of that as well. My frustration is that after waiting for 6 months, citi has declined paying out the promotion. I would like to be compensated for all the inconveniences in additon to the {$400.00} promotional offer.

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 2015-05-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Original loan amount was XXXX, now I owe over XXXX, none of my payments go to the balance and I am now unable to pay at all after having a death in the family.  I don't want to have to claim bankruptcy over this one stupid decision.

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: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
They charged me an annual fee even though they said that they would not. Then they started charging me finance charges and late fees on that which I do not owe. Then they refuse to close my card when I ask them 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 monetary relief
Consumer complaint received 2017-03-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After encountering at least eight different serious problems with this credit card from Citibank -- including harassment and retaliation which included repeated unwarranted instances where my card was not accepted while I was traveling in the U.S., at places I often travel to, for small charges, such as around at {$8.00} at gas stations even after I entered my zip code, and even after I had repeatedly complained that this should not happen -- I decided to cancel my card because I refuse to do further business with a company whose behavior is either fraudulent or grossly negligent at best. I called on XX/XX/2017 to cancel my cad and went through all procedures to do so, and was unequivocally told it was closed. Then weeks later I receive another bill that included service fees and late charges for the annual fee. When I called in on XX/XX/XXXX, to a person with the XXXX, she admitted that the notes indicate the account should have been closed but was n't ; they had no explanation. I have requested call backs multiple times from someone at the executive level who could review this issue, as this is a serious issue of fraud, and of course no one ever has. I received one voicemail message that left the generic XXXX number again ( when I explicitly told them no to do and have only someone at the executive level who would leave a name if i was n't here call ) : when I called them on XX/XX/XXXX, XXXX, Maryland, said the notes did n't even indicate what the issue was, which again shows how negligent they are, I again told them I wanted someone from executive to call me and no one has.

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 2016-12-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Purchased appliances from Home Depot purchasing appox {$5300.00} on XX/XX/2014. I qualified for a Home Depot credit card, which I used to purchase the appliances. Appliances were bought on a 24 month promotion, interest deferred@26.99 rate. Appliances were held at Home Depot warehouse until I was ready to start my kitchen project and I was unable to go forward with my kitchen project so asked them to return the appliances except for the dishwasher, to just deliver the dishwasher. Home Depot said they would apply it to my home depot credit card and it showed up on my home depot credit card statement as a payment of approx {$4700.00}, even though I never made a payment, but actually goods amounting to {$4700.00} were kept my Home Depot and not delivered. In my mind the promotional amount is now for just {$530.00}, the price of the dishwasher that was delivered to me. I also made XXXX separate purchases later on for approx {$230.00} and {$530.00} on my Home Depot credit card over the 24 month promotion period. Any payments I made were applied to the later purchases first and so the XXXX bal never got paid in time and they based the interest accrued on the original promotional amount of {$5300.00}, so I got stuck with a deferred interest charge of {$1100.00} for the purchase of a {$530.00} dishwasher. I contacted Home Depot credit services ( which I believe is actually Citibank ) and they said that it was reported incorrectly, that they can only go by the info they are given. When I spoke to a manager at the Home Depot store, I was told that I should have cancelled the whole order including the dishwasher and purchased a dishwasher on a new order from scratch. Of course I can not foresee how this is going to play out and believed that Home Depot is operating in my best interest. I opted not to have paper statements and when I went online I am seeing minimum payment due, a small balance, almost {$5000.00} available credit, so am in no way contemplating that I have all this interest accruing on what I consider an unrealistic, fictitious promotional amount of {$5300.00}, you do n't see if you are going online to make a payment. To apply the returned goods and show it as a payment of {$4700.00} is actually fraudulent because that did n't happen, I did n't make a payment, so they can not have their cake and eat 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 monetary relief
Consumer complaint received 2015-12-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX XXXX, a special offer appeared on Citicards for the Citi Thank You Preferred Card. The offer was for XXXX bonus points after making {$0.00} in purchases within 3 months of account opening. The typical offer is XXXX bonus points after making {$1500.00} in purchases within 3 months of account opening. So the improved offer certainly did n't seem out of the realm of possibility but rather seemed like a limited time offer that I wanted to take advantage of. I applied for the card and was approved instantly. 

After being approved, reports started to circulate around the internet that Citi representatives were informing card applicants who called that the offer was a mistake and that it would not be honored. 

I also chatted with a Citi agent online who informed me the offer was a mistake. 

Whether it was a mistake or not is irrelevant here. I went to Citi 's own page, the offer was clear as day ( I took a snapshot and will attach in this complaint ), I applied for the credit card based on the offer and was approved. It can not be that a credit card company changes the offer after an applicant applies for and receives the credit card. It is outright fraud and the credit card company must honor the offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a citi double cash credit card that I noticed fraudulent charges XX/XX/XXXX. I immediately notified citi and they cancelled the account and I was told I would receive a new card within a week. I should have received that card around XX/XX/XXXX but never did. I called for an explanation and did not receive one. Since that time the account was not accessible and the balance remained the same, with fraudulent charges and eventually I noticed it was receiving late charges. I called again XX/XX/XXXX and was told the best option would be to pay it so I did, thinking that eventually the issue would be resolved. I sent an email asking for any information and was told to call and confirm my address and that the late fees would be waived. I still have yet to receive any correspondence from citi and my money has not been refunded ( about {$600.00} dollars worth ).

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 2016-04-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A {$500.00} purchase had been disputed with Bloomingdales because of non-receipt. A claim had even been submitted with XXXX, and it had been determined that the product had been lost and the {$500.00} was removed from balance. After over a year- Bloomingdales put it back onto my account, and even after monthly calls of being told that it was NOT my responsibility, and to ignore my statements, they began charging interest and reported negatively to all my credit bureaus. I have communicated with collections, citicard, bloomingdales customer services, supervisors, and they had ALL said to ignore the statements, AND told me they were removing charges and it would NOT affect my 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 monetary relief
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have a home equity line of credit with Citibank that has principal and interest in the monthly payment. This account is current. Last month, there was a system error showing an overstated principal amount. I contacted Citibank on XXXX XXXX, XXXX regarding this matter and spoke with a supervisor, XXXX, who agreed there was an error and told me it would be resolved the next day. 
I called two days later and the error was corrected but upon checking one week later, the error was back in the system. I then spoke to a manager, XXXX, ID XXXX, on XXXX XXXX, XXXX, who said they were still working on the issue. I was told the issue would self correct in the following month. 
This is not an acceptable business practice. The error was then corrected in the system when I checked on XXXX XXXX. 
On XXXX XXXX, XXXX, I checked the system and the principal balance amount is again incorrect. Also, same day, XXXX XXXX, XXXX, I received a notice from Citibank dated XXXX XXXX, XXXX that my account is in default and that there will be a property inspection scheduled that I will be billed for as a delinquency expense. 
My account is current and paid. I am appealing to the CFPB to contact Citibank and have this matter rectified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello, I had a Macys credit card and I made a payment of {$290.00} on XXXX XXXX 2015. On the statement I have from macys it says there is no further balance. Recently I checked my credit report and it says I am XXXX days late with a XXXX dollar fee. The statements macys has sent are very misleading and dishonest. I paid a full balance and the statement says I have also paid the interest ... Only to be surprised I have accrued more interest from another quote billing cycle quote. My credit score is significantly lower because of these extremely dishonest business practices. I need your help please. This is a new trend a lot of people are talking about when it comes to consumer fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-05 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was issued a credit card at Macy 's but my address was incorrect due to an error of Macy 's. I made a credit card purchase of {$24.00} but never received an invoice or billing statement. Macy 's referred my account to collection without ever sending a bill to my correct address, and has now added additional fees of {$260.00} for a total due of {$290.00}. I have called Macy 's on XXXX, XXXX, XXXX, XXXX, and XXXX attempting to rectify this collection issue and agreeing to pay the original amount charge of {$24.00} and informed multiple representatives of my correct address. I have repeatedly asked to speak with a supervisor, which has repeatedly been denied. I sent the company a written dispute letter, for which there has never been a written response. I have never received an original bill for the purchase I made, nor given opportunity to pay the amount I owe, which is in violation of the FCRA. The address error is fully and completely a fault of Macy 's. Before collection proceedings began I should have had full opportunity to pay my bill, but never received XXXX due to Macy 's error, not my own. My account should have never been referred to collection at all, and I have agreed repeatedly to pay my original purchase amount. The company refused to take any payment while the account was in dispute, but continued to charge outrageous fees. As of this date I have not received written communication even though Macy 's is fully aware of my correct address given to them repeated by telephone and in written communication.

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 2015-09-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.

Complaint narrative:
This Is To Bring Under Your Notice That, I was Using Citi BankCard No. XXXX From More Than 7 Years, And When Today Am Trying To Use It For Online Payment It Declined My Payments. 
When I Got Its Reason From Its Executive It Was Really Very Shocking & Unethical On There Part That My Card Had been cancelled Without Informing Me & Without Taking Me into Consideration. The Reason Is Very Great ThatIf We Not Be Able To Use It For Few Months, They Make It Cancelled. 
We Expect Banks Will Only Stops Who are Bad Pay Masters. You People Really Made embarrassed While Using Your Card In Presence Of My Friends n Family. 
Previously I Had Inform Citi Bank For My Correspondence Address Changed In XXXX 2015, The Same Is Not Updated Due To New Aadhar Card Not Issued At That Time, Citi Bank Not Considered Landline Telephone Bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief