vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear XXXX, This is my formal complaint letter against CITI/STDNT Loan RSRC XXXX because I have contacted CITI/STDNT Loan RSRC CNT for them to remove numerous account information because of incorrect and inaccurate information that appears on my credit report, also the statue of limitation on debts has been expired. The account is closed and the balance is {$0.00}, and there are XXXX or items that appears on my credit reports from all major credit reporting agencies. The CITI/STDNT Loan RSRC CNT has either refused to respond. the following account is the items the CITI/STDNT Loan RSRC CNT has refused to investigate and removed.

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 2015-08-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called customer service at XXXX at the number of XXXX on the phone with the Rep asking for the number of a cell benefits insurance. On the phone for XXXX mins XXXX sec The rep did n't know of the benefit and transferred me to another rep. The other Rep did n't know anything I ended the call and Tried The phone number of XXXX. The Rep XXXX tried to verify my account Verify about my name, my address, a car loan, how much I was paying for this. Then asking me for my password on the account. The Rep before was able to verify that password the first time I called. XXXX said my password did n't match and could not help. He transfer me to XXXX who was a SUP. Asked all the Same questions then told me she could n't verify the account as well. Then Then transferred me to a manager XXXX XXXX also told me she could n't help. XXXX started fighting with me that she could not help. She kept pulling me on hold for long times of XXXX mins. Then hung up on me. I was on the phone for XXXX and XXXX XXXX. I then called back at XXXX I talked to XXXX in FL she told me she was able to verify my account and change the password. I told her I wanted to be compensate for the bad customer service after being on the phone with her and her talking to her manager after verifying my account and changing the password on it. The manager XXXX told me she was not able to verify and would not help me. after being on the phone again for XXXX mins. 
Desired OutcomeI would like to be compensated for the XXXX mins of wasted time. How customer service tried me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I visited Macy 's on or about XXXX XXXX, 2015, with friends. I was asked if I wished to if I if I wanted to apply for a Macy 's account to receive an additional discounton the purchase ( & gt ; {$15.00} total purchase ). I was asked for my identificationand to fill out an application ; I complied with both requests. After somemonths I noticed that I had not received a bill or the card for that matter. 
I contacted Macy 's by phone and spoke to a individual regarding themissing bill and card. We discovered that the wrong address had beenentered for my mailing address and that the bill and card were returned. 
I gave the individual the correct address which was on the application Ifilled out and it was agreed that the bill should come to the addressindicated on the application. I was then told that I would be responsiblelate fees in addition to the interest and that they would not considerremoving the additional charges even though it was the company 's oremployee 's error. Had she ask me if the address on my license wascorrect I would have told her to use the address on the application I wasrequired to fill out. I will gladly pay for the XXXX that Ipurchased, however, I refuse to pay for employee/company error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
CITI Card account ending XXXX has been billed in error. Please check the original account information for XXXX when this account was established, purchases made and what State and Why it was rolled over as this was reported as a " Rollover " account number. There was no use of any other account or issuance of any other credit card to this XXXX XXXX. 
There may have been identity theft as XXXX XXXX ( account ending XXXX ) only had this account since applying.

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 2016-11-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Checking account number : XXXX Account Holder : XXXX XXXX My checking account was opened in XX/XX/2016. I fulfilled opening bonus requirements in XX/XX/2016. I waited for 90 days because the fine print stated it would be posted within 90 days after meeting the requirements. However, I have not received the bonus yet. 

On XX/XX/XXXX, I opened a case with Citi to review my opening bonus not being issued. Reply was that I had met all requirements but my XXXX was not certified. The bonus could not be issued without XXXX certification. 

The next day I sent a mail with XXXX certification to Citi 's XXXX back office as instructed by XXXX of Citi Associates. After XXXX weeks I contacted Citi multiple times to check the status but was told the XXXX was not updated. I asked if there was any alternative way to update XXXX. The Citi Associate told me the only alternative way is an in-person branch visit. The closet branch is over XXXX miles away from where I live. I see no fundamental difference between a mailed-in XXXX certification form and a faxed XXXX. I explained my situation and wished the Citi Associate could understand it and accept fax. However, the Citi XXXX adamantly refused to accept fax. 

So I drove for over XXXX hours on XX/XX/XXXX from XXXX, XXXX to the Citi Branch at XXXX XXXX XXXX, XXXX, XXXX XXXX to update XXXX status in person. I then called in on XX/XX/XXXX to check the status. The Citi Associate told me my XXXX status had not been updated and requested for more patience as it would take XXXX business days to update XXXX. On XXXX, XXXX business had passed since my in-branch visit, I called in again and was told my XXXX status had not been updated. This time the Citi Associate came out another innovative excuse : the in-branch documents I signed would need to be mailed to Citi 's back office so it would take XXXX business days for my XXXX status to be updated. 

At this stage, I do n't know if I can trust anything Citi states. Citi Associates give out misleading and disparate information to customers whenever information fit the situation. Moreover, the efficiency is unbelievably low. While I have been doing everything I can to resolve the issue, Citi has not take any pro-active action at all to help me resolve it since I raised this issue 5 weeks ago.

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 2015-07-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This complaint is more information for the one I mailed with submission number XXXX. I am attaching proof that my old employer, XXXX, paid the balance on the corporate card. The account is closed and has no balance. This was a corporate expense and does not belong on my personal credit report. Citi should remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am a credit card holder of the retail department store Macy 's. For more than four years I have held the " Macy 's Star Rewards '' credit card. I have an excellent payment record and credit limit of {$10000.00} with this particular card. The Macy 's card program seems to be managed by Department Stores National Bank. 
While shopping on Sunday, XX/XX/2016 at the Macy 's XXXX Mall location in Pennsylvania I was offered a XXXX percent discount if I " upgraded '' my current Macy 's account to a Macy 's American Express account. I accepted the offer as it was explained to me and completed my purchases. I received the new American Express Macy 's card in the mail and even discarded my old card under the impression that the American Express Macy 's card is my new card. I made additional purchases with this American Express card, again believing this was my one and only Macy 's account. After receiving XXXX Macy 's credit card statements within the past month with different due dates I contacted customer service and it is brought to my attention that this is not one Macy 's account, but XXXX separate accounts that I now have with Macy 's! I asked the customer service representative, assuming they are also a fiscally responsible individual, why would I ever open a second Macy 's credit account with a 25 percent interest rate and no balance or transfer offers, when I currently have an account with Macy 's with more than a sufficient amount of available credit?! I believe I was absolutely taken advantage of by what I experienced by the sales representative in-store having access to my financial information and very easily setting up a XXXX account with misrepresentation and miscommunication of a promotion. This practice was fraudulent, unethical, and takes advantage of creditworthy and financially responsible individuals.

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 2017-02-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a Citibank account XX/XX/XXXX using promo code XXXX, which was supposed to award me {$400.00} by depositing {$15000.00} into the new account within 30 days of opening it. Additionally, I needed to maintain a minimum balance of {$15000.00} for 30 consecutive days after making the deposit. The {$400.00} bonus was to be credited within 90 days after meeting the requirement. I met the requirement on XX/XX/XXXX, thus the money should have been credited on XX/XX/XXXX. I reached out to Citibank on XX/XX/XXXX and they opened an investigation which was supposed to be resolved in 7 days. When I contacted them back, I was told that the investigation could actually take 30 days. After waiting more than 30 days, I reached out once more on XX/XX/XXXX ; the rep told me that the case was still open and she was going to escalate it. After waiting more than a month, I do n't feel Citi is giving my case the attention it deserves as I have not received any communication from them alerting me of updates.

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 2015-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: FL

Complaint narrative:
Bay Area Credit continues to call my place of employment even through I have asked them not to contact me at work.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 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: MD

Complaint narrative:
My wife passed away last month, she had a personal credit card and a personal account with Citibank. 

I also have myself another personal account with Citibank, where I receive my salary. On this specific account my wife was a co-signer. 

After she passed away, Citibank is now charging me the bill of her personal credit card. Which I have nothing to do with. 

She had no will or state. I do n't think this is correct Citibank trying to charge me of debits from her personal credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi mortage.lender I am a XXXX % XXXX veteran. In XXXX we XXXX no property tax. My lender took out of my payment put tax money in escrow every month for a few years. At the end of each year they paid the tax collector. Drawing intrest off the money. I contacted my tax collector they went back a few years and sent a check to Citi mortage for the taxes paid in error. I am in a repayment program with citi mortage during this period. Now citi mortage tells me they are going to hold the check from the tax assessor. Until the last repayment is made. Again collecting intrest. This seems to be creative intrested in there favor at my expense. I 'm not well educated even I see them dipping twice and giving my money a ride at my expense. 
XXXX did something similar to me years ago. I did n't ask for help then and wish I would have. This time I 'm asking for help. I need help please XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I received a prepaid debit card # XXXX thru CITIBANK. The card was issued on XX/XX/XXXX and the plastic card listed an expiration date of XX/XX/XXXX. I believe that this violates the Credit CARD Act of XX/XX/XXXX, which requires a 5-year period of use. I have reached out to the telephone number on the back of the card ( XXXX ) and was routed to a company called " Prepaid Services, '' XXXX XXXX XXXX, XXXX, PA, XXXX. I explained that I need the card to be reissued because the stated expiration date was not in accordance with the time period required under state and federal laws ( the card has not been " activated '' for & gt ; 12 mo. for which fees would apply ). The company refused, citing its agreement with the issuing entity ( XXXX ). 

Please help clarify whether I accurately understand the legal requirements and advise whether I am entitled to a refund of the card amount ( {$15.00} ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
There is a fraudulent charge on my account, and when I attempted to report it, the representative from the financial institution was very rude and hung up one 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 explanation
Consumer complaint received 2015-09-28 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: VA

Complaint narrative:
A company claiming to be Macy 's debt collection service continues to call from XXXX -- XXXX saying I owe money. I have not charged anything on a Macy 's account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Against - Citibank/Credit card online service Details - From last 8+ years, I am regular citi credit card customer. Few years ago, I opened Citi bank account and while registering bank account online, I was asked to create new online account to add Citibank account to my existing profile. it was n't easy process as simply adding to my existing citi credit cards online account. While doing that, I lost access to the existing account and they asked me to register new account and add bank and credit card info there, which I did. Few months ago, I closed my citibank account but 2-3 weeks ago, my online access to the citi.com was stopped as it asked me to enter some banking information which considering I have closed bank account for a while I could n't provide, so I called their customer service. Again, they provided only resolution to solve this is by closing that online access, create/register another account with new loginID and register my accounts again. I simply asked to see if they can raise issue with their IT department to solve this as I have not seen similar problem with other banking companies, which CITI representative told me that they ca n't do that, and re-registering account with newer ID is the only resolution. So I simply asked them to provide this in writing that " citi ca n't solve this problem at this stage and only way to resolve this is by creating new account '', but again they refused to provide me anything in writing either. I spoke 2 level in their management chain and got the same response. I really do n't know who to complain or write about this. I only want Citi to stand behind their words but seems like they are unwilling to do so.

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 2016-04-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Identify Theft. Macy 's American Express sent a second card to to a different address and also increased my limit to {$10000.00}. Person charged {$42.00} at a gas station in XXXX and then tried to charge {$1300.00} at a XXXX was declined and tried again with a different amount of {$1100.00} at the same XXXX a few minutes later. Macy 's American Express contacted me with this information and gave me their Citi Fraud info to file. They did not remove the {$42.00} from my card ( which I am not responsible for as it was not me and they caused this from the beginning ). I refuse to pay this and am getting finance charges plus fees and as of XXXX/XXXX/16 total due is {$70.00}. I have tried to deal with them directly but can not get any satisfaction. All my answers to my questions get the response no I can not connect you to the person in charge of your case in the fraud department. This is been going on since XXXX XXXX and has not been resolved to date. I followed all the instructions given so I am not sure why Macy 's insist I pay the fraudulent charge. This should have been written off on XXXX XXXX, 2016. Even Citi Identify Theft Solutions can not get this resolved with Macy 's American Express. I have cancelled my Macy 's American Express as well as the Macy 's credit 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 monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX did a hard pull on my credit report without my authorization.

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 2016-05-04 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My wife XXXX XXXX was denied a cash advance in XXXX ( she had pre notified Citibank of her travel to XXXX ). Their excuse was that she had not used cash advances before. She was standing in front of a teller with full id in XXXX when denied. She had not used a cash advance before because it was a 7 month old credit card account with Citibank. 
Complaint filed with NY attorney general follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2016 XXXX XXXX New York Attorney General The XXXX XXXX, NY XXXX Dear Attorney General, Thank you for your good work during your term. 
I sent the attached message to Citibank Credit Card. Through their neglect and incompetent polices they have left my wife, XXXX, without cash in the XXXX XXXX. 
Thank you in advance for challenging Citibank 's policy of denying cash advances ( {$230.00} ) where a client has provided advance notice of their travel ( XXXX ). 

Very Truly Your XXXX XXXX Cc : Citibank General Counsel- XXXX XXXX After talking with Citibank fraud department and requesting a supervisor ( wo n't be available for 48 hours ). I sent the following to Citibank by their customer message system. 
XXXX My wife XXXX notified you that she was traveling in XXXX. You have this on record. 
After her Citibank debit card was eaten ( was not returned ) by a bank in XXXX this past weekend for unknown reasons She went to the their branch to get a cash advance on her Citibank Master Card before she bordered a plane to the XXXX ( no wifi, no electricity ). 
UNFORTUNATELY CITIBANK BLOCKED A CASH ADVANCE!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
For {$200.00} and she notified you she was there!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
She now is in the XXXX without cash ( or debit card ) and no trust in CITIBANK!!!!!!!!!!!!!!!!!!!!! 
What are you going to do about it!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX your Quants for programing that stupid logic!!!!!!!!!!!!!!!!!!!!! 
Never had this problem dealing with XXXX. Will start pursuing other option since your people are worthless Internationally. 
You are liable if she is injured or marooned in any form because she does n't have cash!!!! 
WHAT ARE YOU GOING TO DO TO CORRECT THIS!!!!!! 
!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation