vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
At the start of this year I saw multiple promotions on the Citibank website in regards to the opening of a CitiGold checking account. This was done using promo code XXXX which was then confirmed multiple times by Citi bank via their online systems. I then proceeded to meet the requirements ( as was also confirmed via their online system and Which should have resulted in me getting XXXX XXXX XXXX miles. into my account. I even got feedback from them that I met the requirements etc. I will attach screen shots of all of the messages and confirmations later in my complaint. They not only proceeded to charge the XXXX USD a month fees but have not honored the sign up bonus. This is a clear form of bait and switch and as you will see they even tried to delay my complaint by telling me to wait a few months for the miles to post ( which resulted in more account fees ) Finally on XX/XX/XXXX they denied that I was even eligable for this promotion whcih they had clearly confirmed many times prior ( see the emails from Citi ) As I clearly met all of the terms and conditions and since that was cleartly confirmed by Citibank I want the XXXX XXXX miles credited to my XXXX account asap.

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 2016-05-05 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: MA

Complaint narrative:
In XXXX, XXXX I received an email thanking me for a recent purchase from my Best Buy credit card. I immediately contacted Best Buy and filed a fraud complaint. I live in MA and the purchase was made in XXXX for a camera ... .clearly not mine. In XXXX, XXXX Best Buy deemed it fraud and canceled my Best Buy credit card and issued me a new one. I received the letter from them as well stating the investigation was closed and the charges were removed etc. I did n't hear anything again, until last week. A man named XXXX called me from a cell number after XXXX eastern time. I was shocked as he informed me he was collecting a debt on behalf of Best Buy. I proceeded to explain to this man what happened and he said basically, it does n't matter what your telling me, unless you have a POLICE REPORT, I will continue to call you until I collect this debt etc. He was RUDE, RUDE, RUDE, my blood was boiling! I told him I had a letter from them, he said the letter means nothing, get a police report. He stated they had been sending collection bills to me to which I said, " Sir, if I had gotten a collection letter on this, I would 've called immediately, this is NOT MY DEBT, it was fraud. '' He then asked my PO BOX and I told him, bad mistake ... guess what I got yesterday? A collection letter. I have spent the last week and today on the phone with Citi-bank who owns the Best Buy credit card. They have no idea how or why any collections would or could happen as this was NEVER sent to any collection company. They sent the letter stating I was not responsible and advised me to contact you. I am afraid to send any information to this company collection ... ... I am afraid who they are and how they got ANY information and the man was harrassing threatening and rude. I should n't be treated like that.

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 2017-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I have been trying for several years to access my HSBC account. First, I tried to withdraw my money from an ATM, only to learn that my ATM card did not work. I went inside and was told I could only be assisted over the phone because I had opened my account online. Once I called, I was told that my account was locked because I had not accessed it. I asked for it to be unlocked and was told that I would have to submit a letter with photo ID. I sent this in but never heard back and, to be honest, forgot about the account. Then, in XXXX of this year, I received a form that my account was in dormancy status and would be turned over to abandoned property if I did not complete the form, have it notarized and return it. I did this step and mailed it on XXXX XXXX. Today, after receiving an email from the bank that my statement was available, I tried to login, but can not do so. I called and spoke to XXXX ( employee ID XXXX ) who verified all of my information and then told me that my account was still in dormancy status and that there was no record of the form I had returned. He further said that there was nothing that he could do other than send me another copy of the form I had already completed and returned. I know that my balance in this account is {$310.00} and all that I am trying to do is retrieve my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I currently pay XXXX monthly on XXXX separate accounts to Asset Acceptance. The XXXX accounts originally belonged to XXXX XXXX and were turned over for non-payment many years ago. I have been receiving statements monthly for many years stating that I owe many many thousands of dollars above the original amount and when I called they stated that I am on a " non-interest '' bearing account of {$20.00} payment on each account monthly probably for the rest of my life I guess I have diligently send XXXX monthly for years at supposedly no interest, according to our agreement. Why does my balance increase each month on my monthly statement for an original balance on XXXX accounts of $ XXXX to like $ XXXX now????? 
I would say enough is enough and an old debt is an old debt ... Why are they doing this to me? I have n't received correspondence except for my monthly bills, which state my incorrect balance, and the fact that XXXX checks for {$20.00} are being written by them from my checking account ... they refused to do business with a debit card and everything always seems to be " their way '' ... .Also they will not accept e-mails and it 's now 2016???? 

Please help me settle this unfair debt!

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: AR

Complaint narrative:
I opened a Citigold checking account with Citibank on XXXX XXXX, 2016. I entered the promo code " XXXX '', which was for a XXXX ThankYou Points bonus after making qualifying bill pays with the account. I have a screenshot of when I opened the account, showing that I have entered the promo code and the terms and conditions. I made the qualifying bill pays in XXXX. Now, I have contacted Citi to see when I 'll be receiving the promotion, and their services department tells me I was never targeted for this promotion and I wo n't be given the promotion. I 've looked through my files and emails, but have n't found the letter or email that had the original promo code on it. I have attached a screen shot from when I opened the account, with the promo code and rules. How can they take away the promotion after I 've met the qualifications? If I was never targeted for this promotions, why did they let me open the account, give me a promotion disclosure with the rules, meet the rules and wait all this time before finally telling me, after I had to contact them, that they are n't giving it out?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been mislead by Citibank and spent $ XXXX/months thanks to the promise of a sign-up bonus that they are eventually denying to me. 

I have opened a high fee checking account ( CitiGold ) on XXXX XXXX XXXX with Citibank under the promotion code XXXX, which entitles to receive XXXX TY points after meeting the eligibility requirements ( " Within 60 days after account opening, one qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. " ). I applied on the dedicated Citibank website ( XXXX ) with the promo code and fulfilled these requirements in due time. As the points were not showing on my account, I contacted a citibank customer service representative, who checked my account and confirmed that I met the requirements and the points would be awarded to me at most 90 days later. 

After receiving that confirmation, I did not worry about it and happily continued spending the monthly fee of {$30.00}. In XXXX XXXX, 6 months after opening the account and still not seeing the points, I contacted citibank one more time. Now Citibank is telling me that I was never eligible for the promotion. Moreover, Citibank is ignoring the fact that one of their representatives told me I was eligible, that I had met the requirements and that the bonus was coming. 

Citibank lured me into signing up for a CitiGold account with an attractive sign-up bonus, charged me a high monthly fee, without delivering the promised reward. After numerous message exchanges ( I sent 5 compensation requests so far ), it is now clear that Citibank will not resolve the issue without external support. Therefore I am filing this complaint with CFPB.

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 2015-10-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX XXXX XXXX , XXXX contacted me about a debt I do not owe. I never had any business with Citibank, which they claim is the original creditor. 

I sent them a cease and desist letter via certified mail on XXXX XXXX, 2015 demanding that they have no further contact with me. 

However, on XXXX XXXX, 2015 they sent me a letter stating that I indicated I was being represented by an attorney. I never indicated that I had legal representation ; I only copied a friend of mine who is an attorney for her own interest. There is no attorney/client relationship between us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I was charged an annual fee on my Citi Credit Card without anoticd and was offered a refund, but then they would close my account.

Company public response: Company 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: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for a Citibank gold checking promotion ( i received the offer from Citi Bank by e-mail, which I can provide ) that offered XXXX XXXX AAdvantage miles after meeting specific spend and bill pay requirements. After completing the requirements, I called Citi representative on XXXX/XXXX/2016 to confirm that I had successfully completed the Citigold checking promotion. After checking that I achieved the conditions ( using Debit card for {$1000.00} spend and pay two consecutive bills ), Citibank confirmed through phone that I had successfully completed the promotion and that the airline miles would be deposited into my account within 90 days from the date of completing the program 's requirements. I called to confirm one more time in XXXX, and I was told to wait till XXXX for miles to post. More than 90 days ( over 100 to be exact ) past without having the promotional miles deposited into my account. I called and sent another secure message to Citibank witch did not result in positive outcome. In addition to being denied the XXXX points, I was required to pay account fees to keep the account open until the points had posted.

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 2015-08-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have contacted CitiMortgage several times to request a deed in lieu and have been unable to make any leeway with the process. There has been no acknowledgment of receiving my documents and no one seems able to provide any consistent accurate information whenever I call in. I requested the deed in lieu at least a year ago and submitted the documents via e-mail several times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX my Macy 's credit card information was stolen from a Macy 's store in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. Fraudulent charges were made of {$200.00}, {$210.00} and {$56.00}. Totaling {$470.00} in fraudulent charges. I found out about the fraudulent charges as I am registered to receive invoices/receipts via email. Upon discovery, I called Macy 's to report these charges and to close the credit card account to prevent this from happening again. The representative informed me that if I closed the account I would have to go through the approval process to to open a new account. I informed her that I did n't care and all I wanted was to close the account to prevent future fraudulent charges. She finally confirmed to me that it was closed and an investigation case was started. The case # she gave was XXXX. In addition, the representative informed me that I needed to complete a statement of fraud, which I did and faxed on XXXX XXXX. Since then, I have called them three times and the representatives have informed me that the case is still under investigation. In addition, they have confirmed to me that the account appears closed. On XXXX XXXX, more fraudulent charges were made to the account totaling {$84.00}. I was under the impression that my account was closed. When I called again, the representative informed me that someone within the company decided to reopen the account. Coincidentally new fraudulent charges were made to the account. The company was not able to explain how this happened. Especially an account that is already under investigation for fraudulent charges. I am so tired of dealing with these issues and do n't know what to do anymore. I feel helpless as no one at Macy 's is able to help with this matter. This is all too shady and unethical on Macy 's part. I really hope this sheds some light on Macy 's credit card practices as what they are doing is not right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have been having a significant amount of fraud on my citi bank checkings account. I asked citi bank back in XXXX to Cancel my account instead they just gave me a new debit card. In XXXX i had identity theft, my computer got hacked an all of my finacial accounts XXXX being citi bank got comporomised. Someone stole my identity and withdrew {$1400.00} from a teller. The branch is located in XXXX according to the customer service representive i talked to, to initially create the claim. Everytime i call citibank they transfer me to someone in XXXX and I hate it. I called in XXXX to make the claim and the representitive never even made the claim! I called back in XXXX to get a status update amd was told the claim was never made and so i had to wait longer to get my money back. I tried to file a police report and citi bank said they do not have the video anymore that is deleted after 30 days amd that there was no way they could help me. So they XXXX me over when it came to getting the autorities involved, the police said i needed solid evidence to accuse the people i was trying to accuse and citi bank could not provide me what i needed. I have been calling for 2 months now, I never got a letter or an email about the status of my claim and every person i talk to is incapable of doing their job. I am currently living on the couch of my sisters apartment because citibank has not given me my funds back so i can attempt to look for a place! I called my friend who works for XXXX in XXXX XXXX XXXX XXXX and he told me to take these actions. I need my money back!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank offers their customer a free credit ( FICO ) score and on XXXX/XXXX/16, I recevied an email from Citibank notifiying me of my current score which was obtained from XXXX. 
According to Citibank as of XXXX/XXXX/16 my credit score was XXXX. In XXXX 2016, I filed several complaints with the CFPB against XXXX in regards to my credit score and disputed the accuracies. On or around XXXX/XXXX/16, I received and updated credit report from XXXX and it stated my current score was XXXX. I tried to reach out to Citibank and XXXX to dispute the inaccuracies and find out why there is XXXX different scores and nothing had change excepted for payments which should increase the scores not lower it by more than XXXX points. To date Citibank has refused to look into the matter and provide a response or corrective action.

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 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was enrolled in Citi IdentifyMonitor without my consent and was charged a monthly fee. The program was offered by Citibank NA. The Sent me a letter telling me about a refund I am owed,

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 2016-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened XXXX accounts at Citibank ; A CitiGold checking account and a credit card. 
The bank representative ensured me that I would be eligible for a XXXX Advantage mile bonus in opening the CitiGold, provided I made {$1000.00} of purchases and two BillPays in the first three months. I fulfilled these obligations and checked with my local branch whether or not I had met the requirements. 

However, after many months, I had not received the mile bonus in my account. I submitted several complaints regarding the account and the promotional offer and was informed that 'those offers are only available to the individual to whom the offer was addressed. ' I am extremely dissatisfied with the customer service and the lack of transparency regarding this promotion.

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 2015-11-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Citibank stopped providing me access to my accounts. They disconnect calls to customer service after hours of wait time, transfers and do nothing representatives. They have not replaced my expired debit card. After months of harassing emails to switch to paperless, I agreed. Now I do not know my account number nor the address registered to the account. I have moved from XXXX to XXXX. They will not help me regain access to the XXXX of dollars I have on deposit. I just want to have access to my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/XXXX I applied for a promotion of you Citigold debit card. 
Promo code : XXXX My Debit card # XXXX Checking Account # XXXX Since I met the requirements to received XXXX XXXX miles in XX/XX/XXXX, I have been calling many times Citibank to report that I have not received the promised XXXX miles of the promotion. I have spoken with numerous people, supervisors and sadly to report, none of them cared. I had even opened cases, ie. 
case # XXXX but nothing has been done, nobody takes ownership of this issue, nobody cares. Last time they told me they needed my XXXX # to post the miles, which I again gave to them several times, but nothing happened. 
So after more than 6 months of contacting their people more than 12 times, the issue is still not resolved which is very upsetting. I even talked to supervisors several times but nobody takes ownership and it seems nobody cares at all.

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 2015-08-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XXXX XXXX on XXXX XXXX flight XXXX from XXXX to XXXX ( XXXX ) we were offered a " special offer '' to earn XXXX bonus XXXX bonus miles if we openedup a Citi / XXXX. I filled out the form and gave it back to the flight attendant. After a month on XXXX XXXX, I called Citi on to see what happened to myapplication. An employee and manager confirmed that they never received my application. This is very troubling because the application contained my social security number, and other personal information. Citi said that legally all applications must be processed within a month. They told me to contact XXXX XXXX. XXXX told me that I needed to file a complaint online which I did. My Report : XXXX ( XXXX ) was answered today saying that, " We forward all applications directly to Citibank for them to process and they would be the ones investigating the status of your application. '' Now I do not know who to contact next.

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