vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Continuous calling throughout the day, called my employer 's cell and work phone and continued to call after I asked not to call.

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 2016-04-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
We applied and were approved for a credit card through XXXX XXXX XXXX card, provided by Citi. We were told that we would receive certain benefits such as improved boarding position and free checked baggage. When we used the card to purchase flights/book travel we still were charged for our checked bag and were not given the improved boarding status. The flights were purchased almost a month in advance and the bags were paid for at the airline kiosk with the XXXX XXXX XXXX Credit Card. When I brought this to the attention of the credit card company and the airline, both redirected me to a refund website which was not particularly clear about the information required to receive a refund. The website asked for a " document number '' which could mean an itinerary number, membership number, credit card number, how are you to know? Once I figured it out ( number found on the credit card statement ), I filled out the required information on the website and was told that my application would have to be manually reviewed. I had to do this twice, for the bag that travelled to and back from our destination. We 've flown since and I assume that I will have to go and file for these refunds individually. What is frustrating about this, is that we receive our reward miles ( as promised ) but the other benefits with upfront costs seem deferred until you the consumer takes further action. Why must a consumer take additional action to realize certain advertised benefits while other benefits such as airline miles are awarded using the same information? I could not receive nor use my airline miles without providing my XXXX XXXX membership number. Why then, when I provide my membership number to check into a flight and pay for a bag service at an XXXX XXXX point of sale at the same time, using their XXXX XXXX Credit Card, do I not receive the other benefits associated with the card. It seems to me that when I provide my membership number and present my card at the XXXX ( as well as in person when I hand over my bag for check-in ) I should automatically receive the benefit stated on the card ... why all the additional hoops? I wonder if this is a method of taking in revenue that hinges on a customer not paying close attention to their benefits. Furthermore, by providing some benefits, it creates an illusion that the XXXX and Credit Card company are behaving " above board '' by giving you benefits, when they are not actually awarding the customer all of the promised benefits as stated in the credit card application.

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 2015-04-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I began the day inquiring about the interest rate on my Citibank account that I have had since XX/XX/XXXX. I asked if the representative if I would be able to qualify for a lower interest rate. I also said that I had been a customer for some time and that I would prefer to remain with Citibank. I was told I could lower the rate by 3 %. I stated that another bank had just sent me an offer for for a XXXX percent interest introductory rate and a lower over-all APR, so I asked if they could lower by more than 3 %. The representative replied that that was the best that Citibank could do and I responded that I would make a decision and contact them at a later time. 

About XXXX hours later I contacted Citibank to get my exact balance so I could transfer my debt with them to my new account, which I had opened in the meantime, and was surprised to find that my Citibank account had been closed without a request from me to do so. I called Citibank 's XXXX Office to ask why my account had been closed and was told that I had made the request sometime before today 's inquiry to lower my interest rate. I stated that I had never requested to have my account closed. The manager insisted that I had made the request and that I had been recorded doing so. I challenged her to produce said recording knowing that no such request had been made by me. I also noted that my last statement ( XX/XX/XXXX ) reflected a credit limit which would indicate an open account. XXXX declined to produce the recording and added that she would file an investigation and I would receive something in the mail in XXXX to XXXX business days. Their action on this account today, will result in a loss of available credit, lengthy credit history, and a negative impact on my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ZENCO COLLECTION, LLC
State: NC

Complaint narrative:
I have gotten several calls from this telephone number XXXX. In addition to all of the calls I have gotten, my family has also gotten these calls as well. Once I returned the call, I was not given any type of debt collection disclosure, just told by the person answering the phone they were the secretary and they would have to connect me to the person that called me. Once I was connected, I was then asked several questions and I asked several more times who they were and why they were calling. I was told I owe {$7000.00} and that the person who answered talked to my family and stated " was told by your sister you commit fraud '', " There will be a police officer sent to your job '' and that I " ony had until XXXX tomorrow to have this resolved. '' I work in the XXXX and am taught the importance of the CFPB and Fair Debt Collection, and this behavior is completely unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-07-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XXXX XXXX 2016 a charge was made on my Citi Card for {$930.00} with XXXX XXXX for a XXXX game in XXXX. I neither made the charge myself or authorized it. I immediately called Citi Card and was connected to security in XXXX and was assured they would credit my account and cancel my credit card while issuing me a new one. I took this personally so I called XXXX XXXX and XXXX XXXX to advise the tickets were purchased with a stolen credit card. XXXX assured me the order would be cancelled. 
I received a letter fro Citi Card dated XXXX XXXX, 2016 advising me I had been issued a permanent credit. it was a form letter from Customer Service with no signature or phone number. 
I received a letter dated XXXX XXXX, 2016 telling me that there was documentation showing I had the tickets mailed to my home and they were reversing the credit. Their own documentation from XXXX show the tickets were printed off the Internet so this is not true. The tickets purchased were for a basketball game that evening so it never came by mail. I called Citi Card security on XXXX XXXX and the person in the XXXX put me on hold for over an hour. He could not help me. I called Citi Card Customer service on XXXX XXXX and they could not help me. I reiterated I did not purchase those tickets and needed to speak to someone in the United States. They could not do that so I got security in the XXXX after being on hold for over 45 minutes. He took my information and said he was going to forward it to the United States to the Recovery unit. He could not give me a name or number. I asked about timeframe for resolution and he really did not know but said 2 days. It has now been 3. 
I mailed a letter on XXXX XXXX, 2016 to Customer Service in XXXX XXXX since that is where the letter came from. 
Citi Card claims that one of the benefits with the card is {$0.00} liability if someone uses the card without my consent. I feel as if I am being called a liar and a crook. I am a XXXX year old on Social Security and did not purchase these tickets. I feel as if Citi Card cares more about the vendor then their customer.

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 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: STATE FARM BANK, FSB
State: IL

Complaint narrative:
TO THE # CONSUMERFINANCIALPROTECTIONBUREAU : # StateFarmXXXX has NOT been processing my automated monthly payments timely and has caused my bank account with the # XXXX to go overdrawn 3 months in a row. 
State Farm has tried to blame my bank, who knows my banking behavior and knows me, since I have had this account with the XXXX over 20 years. 
Throughout this time with the XXXX, I have done business with many other companies, which I permitted automatic monthly deductions from my bank account, to pay for a service or product. 
But I have NEVER experienced this before with any other company, where they were so slow in taking out or pushing the necessary buttons to take outfrom my account topay my insurance. 
Not only has State Farm caused me to go overdrawn on my Bank Account, but this slackness on their part incurred fees to my account, fees which I can not afford. 
Instead of pulling out from my account the set date or the next day, or even when I called to make the payment early, State Farm would wait to pull from my bank account, 4-10days after the set day, on the exact samedays that other transaction/s happened to be pending. 
Right? I thought since # XXXX & StateFarm ARE RIVALS, and since # President # Obama and his 'brothers ' have had access to all sorts of # Securities and # Banks, that maybe they are trying to drive State Farm out of business, because I have NEVER had any problems with State Farm before. 
However, it has been since XXXX, that I just most recently resumed business with State Farm, in the XX/XX/XXXX. 
This practice of waiting to deduct from my account days after the set date, or NOT even deducting when I callin early to make a payment, and then deducting one too many days after when I happen to have another transaction/s pending on those days, IS of GREATconcern to me. 
Like many Americans, I live paycheck to paycheck. I am poor. I do NOT own a personal computer because I have been displaced, moving place to place trying to obtain work, where I can afford housing. 
When 'Big # Banks ' or Big Companies begin to find ways to exploit their clients based on the data of their banking behavior and/or purchases and those locations of those purchases, I personally become more 'affected'by this. 
I have tried to resolve this issue for several months, back and forth, back and forth, back and forth. 
But, I am not pleased with how this is being handled. 
I am in need of assistance. 
Sincerely Yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
In XXXX 2014, I purchased windows from The Home Depot. The Home Depot representative, XXXX XXXX, told me that the financing was 24 months interest free through The Home Depot card. When I received the first statement in XXXX 2014, it showed staggered interest rates, I contacted both CITI ( the underwriting bank ) and XXXX XXXX of The Home Depot. XXXX XXXX has repeatedly told me that there must be a mistake because it was supposed to be 24 months interest free. Every month since then, upon receiving the statement, I have contacted both CITI and The Home Depot. Every month, I was assured by The Home Depot that there was a mistake. However, I am now paying over 26 % interest. This is predatory and deceptive lending practices of CITI.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
In the past XXXX months, I had signed up for a CITIGOLD Checking account through a promotion where I was to receive XXXX Thank You points from CITI by XX/XX/XXXX. This promotion was under promotion code : XXXX. The promotion required me to meet some basic requirements, which I clearly did and this was confirmed on multiple occasions by CITI Gold phone representatives. The promotion was confirmed on multiple occasions over the phone. In addition, my wife XXXX XXXX also applied for the same Gold checking account and the same promotion. She has received her points. 

In addition, I was clearly told that this account had XXXX monthly fees. I was told there was no minimum balance requirements etc ... no monthly fees at all. 

Now Citibank is telling me I did not sign up for the promotion and I just noted that they have charged me {$30.00} for the last three months, totaling {$90.00}!!! 

This is fraud and is not correct. I have been a Long time CITIBANK customer and this is flat out wrong. This needs immediate correcting.

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 2016-11-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Home Depot Credit Card ( issued by Citibank ) and I had used it to purchase items on promotion ( 6 months no interest ) on XX/XX/2016. I was promised that no interest would be charged if I pay in full by due date XXXX XX/XX/2106 ). I have paid the transaction amounts for each month in full since then. For the month of XXXX the total transaction I had was {$11.00} which I paid prior to the due date. However, Ciitibank is charging me a {$25.00} fee since I did not pay the minimum payment of {$25.00}. I do not agree to the minimum amount that Citibank is asking to pay as it would mean that the 6 months no payment no interest is not what was promised to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Related to previously opened case regarding Citi card with unauthorized transactions. Was unable to make contact with executive response office again after submitting requested documents via their email address. This is about a billing dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Was a good standing customer for over 10 yrs with Citbank Mortgage enrolled into their Equity builder program, and refinace in XX/XX/XXXX, Tried to refinace in XX/XX/XXXX. 
My loan office lacked product knowledge : he could never give me a straight answer as to why the underwriting was delayed said he would have to talk to someone and get back which he never did, I always had to call him, when I did n't get a response I contacted his manager who never returned my call either ... .. 
No customer service skills were shown, nor did he pay attention to details. the application was denied without him even knowing until I called him to get a status up date, I made numerous calls to Citi. When I did get thru to him, he had lots of excuses as to why I had n't heard from him ... .email is down, phone 's system not working and out of office for personal time ... then someone else should have been working in his behalf. 
My other complaint is with the Equity builder program. I have an " Amortization '' sheet from XX/XX/XXXX that shows my balance should be at a certain amount by a specific year, when I checked my statement saw the figures from Citi monthly statement were not in agreement I called the company, faxed a copy of my Amortization to their research dept, and still have not heard back from them. 
I am totally disappointed in their customer service or lack of

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 2016-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Macy 's is reporting that I owe {$1700.00} on account # XXXX. Several months ago, Macy 's issued a XXXX, cancellation of debt form, in relation to this balance. Furthermore, they now refuse to accept payment. 

Since they have cancelled the debt, and refuse to accept payment, they should update the owed balance to {$0.00} owed at the credit bureau level. They should not be able to issue this tax form, refuse to accept payment, and continue to report that I have an owed balance. That is not fair, and they are holding my credit profile hostage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I 'm writing to report that the banks have n't changed XXXX bit in the area of setting misleading / confusing terms and agreements to their customers. 

Recently, i availed of a balance transfer offer from Citibank - I have a Citibank XXXX Card. Even though my card agreement and pricing information table indicate that balance transfer fees indicate that fees would be {$5.00} or 3 %, i was charged. 

When i contacted the customer service rep, his answer is that the balance transfer check i used had the terms as 5 %. How many forms is a customer supposed to look over to execute a simple balance transfer transaction without getting screwed around for 67 % more fees than they expected to pay???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Riverwalk Financial Corporation
State: CA

Complaint narrative:
On XXXX XXXX, 2017 Deville MGMT reported a debt on my credit report in the amount of {$2400.00} and stating the original creditor was XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-28 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
MACYS STORE GAVE ME A STORE CREDIT CARD FROM CITY BANK, THE CREDIT LIMIT WAS XXXX DOLLARS, LATER I DECIDED NOT USE THE CARD AGAIN AND THEY REQUESTED FOR THE BALANCE AND I PAID THE BALANCE IN FULL TO THEM BUT THEY HAVE PUTTING THE AMOUNT ON MY CREDIT RECORD THAT I OWE THEM WHICH IS NOT BUT SOME MEANS TO TAKE ANOTHER MONEY FROM ME. 
I CALLED THEM AND THEY CONFIRMED THAT I DONT OWE THEM SO THEY WILL TAKE IT OFF BUT IS BEEN THREE MONTHS NOW AND IT IS STILL ON MY RECORDS.SO I WANT TO CHARGED THEM FOR FALSELY SPOILING MY CREDIT RECORD AND AGAIN MISLEADING ME THAT, THEY WILL TAKE IT BUT DID NOT. 
SO PLEASE HELP ME TO SOLVE THIS ISSUE, IT HAS DAMAGE MY CREDIT STORE FALSELY.

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 2016-10-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I signed up for a promotion to get points after spending a certain amount on the credit card. After meeting the requirements, I was awarded the points. This XXXX I cancelled the card, and was never notified that the points would expire after the card is closed, since I have additional cards with the bank. Based on what I 've been told before, as long as I have accounts with the bank, the points will not expire. This is stated in the disclaimer as well. After speaking to a rep over the phone, they advised that I shouldve been notified when i filled out the request the close the account. However, I never needed to fill out a form to close the account. I just sent one simple message, and the team closed my account out. This is very deceptive and the rep acknowledged that I shouldve received notification as well prior to the account getting close and that I shouldve received properly disclaimers on the effects of an account closure. Citibank is inconsistent in the way they handle accounts and the consumer if negatively affected as a result.

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 2015-11-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is complaint is a result of civil fraud on the part of citibank and their XXXX branded card. 
I was on the XXXX website booking a trip. EVERYWHERE on the site there appears an ad, offering a XXXX dollar statement credit and XXXX bonus miles ( after spending XXXX dollars ). I clicked on the add the read the fine print. Obviously I had to be approved for the card, which i was that same day, and I used in instantly to purchase the flight that cost over a XXXX dollars. 
I waited for weeks and nothing and called citibankThere agent could not explain why there was no statement credit but said she would add a XXXX dollar statement credit. 
Even though I met the requirements the XXXX bonus miles were denied. These miles cost XXXX dollars. I was told they were denied because i had a similar card within 18 months that was XXXX related. 
Now there are several reasons this denial was unjustified ... 
1 ) I was given no chance to appeal2 ) the fine print on the XXXX site did not mention this potential disqualification3 ) I was aware of this issue previously and I actually called Citibank before i applied to verify if I was over the 18 months since my last XXXX branded card. I was told by the agent i did indeed have a black XXXX card but that was closed by my in XXXX 2014, over 18 months ago. 
I think it is sad XXXX and CITIBANK have to result to such behavior to gain clientsI was damaged XXXX dollars, the cost of the promised miles

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation