vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I obtained a quote for moving services XX/XX/2015 and accepted the vendor. I never received an invoice yest was billed two times at rates not in the quote. Once for {$450.00} and once for {$90.00}. This total was well over the quoted price for service. 
I contacted this CC and filed a complaint. The CC issued me a notice of PERMANENT reversal of the charges. Now the CC placed the charges back on my account after the PERMANENT reversal notifications over a month ago. I also contacted the moving company but there has been no reply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI BANK is charging me late fees without sending me a bill. CITI claim they are sending me a bill but now I don ' believe them because this has happened before and I contacted them about this problem and they are blaming it on the Post office, but I received my other bills with no problem. Because I pay my bills on line they have taken for granted I know the due date, but I do not have a paperless account with them, I need to see my bill monthly. They claim my bill was due on XX/XX/XXXX, they called me on XX/XX/XXXX after they had already late charged me for another {$25.00}, and I think that is what they are after, those late fees.

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 2015-03-27 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
There was promotional value of 0 % interest for 12 months on the Sears Credit card. The original balance was a little less then {$700.00} and to this date, we have paid over {$750.00} towards this balance. We made other purchases after but were making payments that were suppose to go to the original promotional balance. After calling the company direct, we were told that the payments were going to the full balance instead of the promotional value and that you need to call and set up a separate payment to go towards that. We have a {$100.00} set up as autopay that should go towards the promotional value, but instead they have been using it towards the whole balance instead.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-24 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
This is the letter I sent to Costco : I am a happy, loyal Costco member. At least I have been until now. I have always had my credit card set up to pay my balance automatically in full each month. With the transition to Citi, I got my first bill and I was charged {$36.00} in interest. When I called they explained that the balance " did n't transfer properly. '' They agreed to credit my account for the {$36.00}, but advised me to pay it since the credit would n't appear until my next statement. Except for the waste of my time, that 's all fine. 

But I do n't believe the explanation. Many smart people worked on that transition for a long time. If your members were charged interest they did n't owe, I suspect it is because Citi saw the transition as a way to steal a lot of money. Many customers will notice the improper charge and complain, and Citi will give them a credit. But many customers will not notice or will not follow up, and Citi will charge them the interest, and interest on the interest. This is the way Citi does business. It is not at all surprising. Someone probably got a big bonus for thinking of it. 

What is surprising, at least in my experience, is that this is not the way Costco does business. So my question is : What are you going to do about it? 
This is their response : We apologize for any frustration this may have caused. We thank you for sharing your comments and concerns with us regarding our transition to XXXX. Please be assured that our transition to XXXX is part of our continuing commitment to provide our members with the best value possible. 

Your feedback is important to us. We will forward your concerns to the appropriate department for review.

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: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, I opened a CitiGold checking account with Citibank on XXXX XXXX in response to a promotional offer rewarding XXXX XXXX XXXX miles when fulfilling some basic requirements ( {$1000.00} in purchases and 2 bill pays ). I contacted citibank via secure message and they confirmed that I fulfilled these requirements in XX/XX/XXXX and that I would have to wait 90 days to receive my bonus. 

After waiting and occasional checkins I was told to wait and be patient. After contacting them for an update I was told on XX/XX/XXXX that I would not be receiving the bonus because I was no eligible. Obviously I felt misled so they opened and investigation and promised an answer in a couple of weeks, but over a month later I still have n't heard anything. They still continue to charge me monthly service fees on the account ( {$30.00} ) while not holding up their end of the deal. I feel cheated and used as I had to open up a Citibank XXXX XXXX credit card to receive this bonus .... Any advice you could give in regards to my situation would be greatly appreciated. 

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 monetary relief
Consumer complaint received 2016-11-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a letter on XX/XX/2016 from Citi stating that I had been enrolled in their Credit Protection program. The fee for this " service '' was {$.00} per {$100.00} charged even if the balance was paid in full each month. I contacted Macys for which Citi was acting. They could not understand how any of this had happened because the card had been cancelled years before. When I contacted Citi they could not explain how it happened. I strongly suspect something along the lines of the XXXX scam. When I googled Citi I saw that they were forced to return XXXX to consumers over a year ago for the same practice I was subjected 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 2015-04-29 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: CA

Complaint narrative:
I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had a Citi Mastercard Platinum and before that another name that was fixed 9.9 % when I called them about another issue the man encouraged me to switch to another type of Citi Master Card that offered restaurant etc advantages, a sales pitch ;, to obtain a Diamond preferred Mastercard, keeping the same number. What he failed to disclose was that by taking this offer I lost my fixed rate to a variable rate. I want my 9.9 % fixed rate back. They also changed the amount of time i was a member with them. These things affect me in that our USA and global economys could go bad at anytime and as a variable rate a credit card company can request market rate which could be exhorbiant. I am worried about them being able to change the rate on me at will. Also, and/or that any of this could effect my credit rating which is extremely good. Please help me get my fixed 9.9 % rate back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
Stenger & Stenger, PC sent letter demanding payment on account oudated since 2008 ; GA state statue of limitation has expired ( 5yr ) per OCGA 9-3-25 and not collectible/ not my account, violated FDCPA and FCBA ; and XXXX other companie asking the same " XXXX AND XXXX XXXX XXXX '' ... .NEVER DONE BUSINESS WITH COMPANIES AND ID FRAUD AFFIDAVIT HAS BEEN FILED WITH FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
my XXXX credit card account was transferred to Citi without my permission or knowledge. My american express was on quto pay for many years. Since I was not inforrmed by Citi that my balance was transferred to them and I never received a bill or statement from citi my payment was late and citi sent a late payment to my credit report. Meanwhile my autopay to XXXX was made. When I found out about this 6 days after my payment was due to citi I called them and they said there is no grace period and I was out of luck, my credit report will show the late payment. I thought there was a 60 day grace period when credit accounts were transferred from one creditor to another but citi said no. I would like citi to remove the late payment fee and to remove the late payment from my credit report. the payment was made in full right away on the phone when i called citi and found out about this problem

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 2015-11-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a purchase with my Macy 's credit card back in either XX/XX/2015 for a pair of white high top converse sneakers for my daughter. I last made a payment to them XX/XX/2015 which was supposed to count for my XX/XX/2015 payment. They were stating that I never made the XX/XX/2015 payment which made me told them to cancel this account which I though I did. Ever since then they have been sending me statements each month billing me for the card which I clearly told me that I did not want and which they expect a higher amount of payment which I am not willing to do as I have not touched that card since. They have also been calling me non-stop harassing me about this from a XXXX phone number so much so that I had to block the number but since I got a new phone, I have n't been able to download the app to re-block them again. This needs to stop immediately, I will only make a payment on what is owed from that purchase nothing else nothing more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, 2015, CitiCard put a charge of XXXX on my credit card from XXXX XXXX of XXXX XXXX. I went online on XXXX XXXX and saw the charge on my credit card and called CitiCard and told them I did not make this purchase and I did not want them to pay it. They asked if I had ever bought from this company and I said I had but I did not authorize this purchase and I did not want them to pay it. 
I had previously agreed to an Autoship in 90 days in the amount of XXXX, with the right to cancel the Autoship. I cancelled the Autoship on XXXX XXXX, 2015. I never agreed to the XXXX XXXX, 2015 charge of XXXXXXXXCitiCards sent me a follow-up letter to which I responded. They asked for a copy of the order. Since I did not order anything, and this was an unauthorized charge, I did not have a copy of any order. They sent me a XXXX letter again asking for a copy of the order. I responded again telling them I did not place this order and did not have a copy of the order. Then they sent me a letter saying they had finished their investigation and I had not supplied what they had asked for so they were recharging my credit card for the XXXX The only thing they asked for was a copy of the order. Since I did not place this order, I do not have a copy of an order to send them. 
I had called the XXXX XXXX that made the fraudulent charge to my card and told them to remove the unauthorized charge. They said a mistake had been made and they had already sent merchandise and to return it unopened and they would issue a credit. I did not accept the package. It was left on my doorstep by the postman. I took the unopened package to the post office and returned it to the sender with a tracking number so I had proof it was returned. When the company did not issue a credit, I filed a complaint against them with the New Jersey Attorney General Consumer Affairs Division because the address was in New Jersey. After I filed the complaint with the New Jersey Attorney General, I tried to call the company but they did not answer their phone.. 
Citi advertises XXXX Liability for unauthorized charges. I did not agree to buy anything and I did not authorize this charge. I have sent CitiCards a notarized letter certifying that this was an unauthorized charge and asked them to remove the charge from my credit card. They have not removed the charge. 
I believe CitiCards has violated the law by trying to make me pay for a fraudulent charge I did not authorize, and because they have not honored their advertised XXXX Liability for unauthorized charges. They have now added late fees and interest to my card. I expect CitiCards to honor their guarantee and remove this charge and fees from my credit card. 
I am attaching copies of our correspondence, a copy of my notarized letter and a copy of my complaint to the XXXX Attorney General against the company that put the unauthorized charge on my credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ZENCO COLLECTION, LLC
State: IL

Complaint narrative:
I received a call from " XXXX '' and a " XXXX XXXX '', regarding an old XXXX credit card that was charged off in XXXX and then I settled with a collection agency in XXXX. He threatened to freeze my bank accounts, flag my vehicle plates and told me that if I were in the vehicle that I would get arrested. I faxed him a letter from XXXX stating that I entered a settlement and he told me that he was going to press charges against me for fraud. He spoke to my husband about this debt and that I was a horrible wife for racking up debt while he was off fighting a war.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
card expired so I requested a new card.

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: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
For over month citi bank financial websites have been down for my Macys credit card and my best buy credit card. I 'm unable to track my spending, check when my bills or due, or make payments. Not only are there websites down but when I call there are really long waits to talk to someone. I should be able to monitor my activities and keep track of my account at any moment to make sure that I 'm using my cards responsibility. Citi bank is making tracking/monitoring difficult.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: WA

Complaint narrative:
the interest rate they charge me is so high and it 's impossible to lower it. I was told that after one year of making on time payments they would lower it but now after one year, they told me I do n't quality.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Citi sent me notification that my account was closed due to returned payments. The payments in question were from an auto pay that was cancelled. I made a {$900.00} and {$500.00} payment and my account was current. I received no notification that payments were " returned ''.

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 2016-05-24 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have a Macy 's store card. I used the Macy 's site, well the CitiBank site who provides the card, to pay the full balance on the card. After paying the balance in full, Citi charged an additional fee. That fee rolled over into the next month generating an additional fee for having an unpaid balance. 

Essentially I used Citi 's tools to pay the full balance on the card and I was later charged another fee. I was not told of the fee and that fee rolled into the next month generating another fee.

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 2016-04-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX, Citibank and XXXX are aggressively pushing Citi AAdvantage cards with XXXX, XXXX or XXXX bonus miles if you sign up and meet a certain spending limit within a rapid time period. They actually hand out the applications forms on flights, there are ads all over airports and there are constant pop-ups on their website. What they DO N'T tell you is that if you 've opened another card in the past 18 months, you are ineligible for the bonus miles. Recently, I opened a card over the phone and the agent ASSURED ME I would get XXXX miles if I spent {$3000.00} in a month. I did it but the miles never appeared. I called multiple times and was told they were looking into it. I finally got a supervisor called XXXX in Kentucky who told me I would not be receiving the miles. This is the height of deceptive advertising. The credit card company has no record of the people in their accounts opening department telling me I would receive the miles ( they say they do not record conversations! ). The company is also enticing people to spend money rapidly on a credit card ( for the miles ) and furthermore they will not simply close the card down and transfer the credit limit to another existing card in a seamless way. Closing the card and losing the credit line adversely impacts your FICO score. Consumer BEWARE.

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 2015-09-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
To whom it may concern : This is to let you know that I requested XXXX XXXX XXXX XXXX XXXX on XXXX 2014 to cease all collections activities since the debt in question is time barred and is no longer collectible or enforceable ( see attached ). 

The initial date of default on this debt XXXX original creditor : Citibank XXXX was over XXXX years ago. I have never acknowledged this debt, or made any promise to pay. This debt is past the statute of limitations in all states, including Pennsylvania. 

XXXX XXXX XXXX XXXX has violated provisions of the FDCPA by implying that the legal status of the debt is collectible ; specifically, by reporting the debt to credit bureaus ( see attached XXXX print out ). The specific provision violated is : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

I would like to solicit your help and expertise in dealing with this matter, as this company may be exploiting law-abiding citizens of the XXXX of Pennsylvania. 

My ideal outcome would be : a ) proof from XXXX XXXX XXXX XXXX that this debt is enforceable - if at all it is. This includes all prior monthly statements and payment records on this account. 

b XXXX confirmation from XXXX XXXX XXXX Equities that they have requested the immediate removal of these records from my credit reports XXXX XXXX XXXX. 

c ) under the FCRA and FDCPA, each violation is subject to a {$1000.00} fine payable to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Good afternoon, I filed for chapter XXXX bankruptcy protection in XX/XX/XXXX and included my CitiMortgage XXXX mortgage as part of my debts in that process. 
XX/XX/XXXX, nearing the end of my repayment program, CitiMortgage offered me the opportunity to be part of a loan modification program that would allow me to get back on track with payments. I successfully made the 3 trial monthly payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, signed the agreement paperwork which outlined the permanent terms for the remainder of my mortgage payments and was enrolled in the program. 
Out of the blue on XXXX my CitiMortgage discharged my mortgage and they have refused to make good on the terms set forth in our legally binding agreement of XX/XX/XXXX and with that my credit rating has further suffered due to their negligence. 
I will be happy to provide my bankruptcy attorney 's name and contact information as he too has tried to assist to no avail. 
Thank you for any help that you are able to provide.

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