BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-01
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are contacting the CFPB as we have attempted for over 5 years to obtain a loan modification and have been denied over and over again. We are not asking for a lower payment and even expressed we could handle an increased payment. We only want to keep this home we purchased XX/XX/XXXX which our family loves and needs so much. The investor is XXXX XXXX so the rate can not be reduced under the streamline program due to being under 80 % LTV. We did n't qualify for XXXX because our ratio was at 29 % and needed to be over 31 %. Now, XXXX lost her XXXX position due to cut backs and we are only receiving income for XXXX. His income is {$7000.00} a month. We were just denied again because the ratio is still under 31 % which is not true. We received a letter from CitiMortgage dated XX/XX/XXXX showing our payment increased from {$1800.00} to {$2300.00} as of XX/XX/XXXX which would make out ratio 33.2 %. We explained this to the CitiMortgage representative and she stated that new payment is not what is in their system so the denial stands. I explained we faxed her the CitiMortgage letter and said it does not matter. Well, it matters to us. We need this home our rate has been 6.375 % since origination and this loan has never been modified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Billing statement

Complaint:
On XXXX/XXXX/16 I made payment in full on my Citibank XXXX XXXX credit card. Today I logged into my Citibank online account to get a copy of the statement showing that my balance was paid in full. To my surprise, I could download the XXXX statement, and the XXXX statement, but not the XXXX statement on which my payoff transaction would appear. I used the bank 's online Live Chat feature to contact them about the problem. Their representative, XXXX, stated that they do not provide statements when the account has a zero balance, so no statement was generated for XXXX 2016. I pointed out that I had made a large payment during that statement cycle, so there was a transaction on the account, & even though the ending balance was {$0.00}, the starting balance was not {$0.00}. I should therefore receive a statement for that month, which did have some account activity, as proof of my payment and of my zero balance due.

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 2016-12-23
Company: Lending Club Corp
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Lending Club sent my loan to an outside collection agency while I was actively paying according to terms. I called to dispute their actions and they took the loan back from the agency. After they took it back they put it in a charged off status even though I am current on payments and making them according to the original terms they did not charge off anything but refuse to change the status of the loan from charged off to current and paying as agreed. I 'm trying to refinance my mortgage and I 'm a XXXX veteran and on a tight budget with high student loan payments. Their illegal reporting of the loan is preventing me from refinancing with FHA and I 've been trying to get them to change the status of my loan but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I had applied for a CitiGold Checking account on XXXX/XXXX/XXXX under a promotional offer. The promotional offer stated that I would receive XXXX XXXX XXXX Advantage miles by spending {$1000.00} on my debt pin-enabled card in transactions within 3 months from account opening. I also needed to make XXXX bill pays with the account in separate months. I completed all of the requirements within the three-month time frame ( completed on XXXX/XXXX/XXXX ) and then confirmed multiple times with the consumer service team at Citi that I was eligible and had met the terms of the promotion for which I signed up for. 

I have saved documents of my communication with the Citi costumer service representatives.The promotion states that XXXX XXXX miles will be credited to your account within 90 days from meeting the promotional requirements. Since I met the requirements on XXXX/XXXX/XXXX and it is now past the I am now filling a formal complaint to expedite the process of receiving the the miles Citi has not given me as a result of the Citigold offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: AES/PHEAA
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FED LOAN SERV XXXX Never Late Improper Amount Inaccurate Duplicate Loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
Hello, this is regarding MC issued by XXXX XXXX : acc. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I bought an online ad placement on XX/XX/2016. Shortly after that the website disappeared. I called the number on the email receipt, I was promissed a refund of {$190.00} the next month and the next month. Finally I called XXXX XXXX. They claimed if was over 6 months ago and they can do chargeback but I would have to write the letter. After they asked me for other documents they I promptly faxed and mailed, after few weeks they denied my chargeback : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT NUMBER XXXX Dear XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Thank you for contacting XXXX Cards. This letter is in response to your inquiry about the transaction described below made with card number XXXX : Date Amount Description XX/XX/2016 {$190.00} XXXX XXXX XXXX Due to the age of the charge, we have no options available to obtain a credit for you. 
Thank you for contacting us. 
Sincerely, Customer Service Team FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE. 
XXXX They have my money and merchant is still processing with XXXX, so why they refuse to chargeback for the service I paid for 18 months for and I got nothing? I hope you can influence their Dispute Department as this is clearly nor fair to leave consumer with the money gone and no help from my credit card issuer. Thank you. 
XXXX 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 monetary relief
Consumer complaint received 2015-05-01
Company: CITIBANK, N.A.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Complaint number XXXX about Citi Mortgage. We call over and over trying to speak with some one. Most of the time we get someone who does not even speak XXXX and we do not understand anything they are saying. We have to call back several times in a roll just to get a person we can understand. Then that person will not transfer us or even give a message to the person we are trying to reach. It is completely madding. Every email or letter we get always states we can contact them at any time. What a bold face lie that is. We spend hours trying to reach anyone that will talk to us and then never get them. At best we get to make an appointment for them to call us back and they never do. This has happened at least XXXX times that we wait for a call that never comes. Why will they not talk to us? Why will then not return calls? Why are they foreclosing on our home without even trying to talk to us?

Company response to consumer: Closed
Consumer complaint received 2015-09-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Constantly being called about fictitious amounts on a credit card that was supposedly canceled years ago. I have no clue why there would be a charge, I cant verify what any charge would be from, and I cant verify who exactly is calling me. The last call received was from XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
Earlier this year I was online booking a flight. I found a good flight with XXXX XXXX that worked within the dates and times I needed to travel so I proceeded to book. As I was about to purchase, I received an add to apply for a Citi AAdvantage credit card and receive my checked bags free and some other benefites. I proceeded to apply. I was approved and continued with the purchase to be placed on my new Citi AAvantage card. 
When the transaction was complete, I checked and the tickets were booked for completely different dates than what I selected. I immediately called XXXX and explained the situation. XXXX was very unfriendly and told me that they will not give me credit for the flight as their system would not do, there is a {$200.00} change fee and the flight for the dates I really intended to book ( later in the month ) was almost {$300.00} more per ticket. I asked to speak to supervisors and was told sorry, they could not help me. 
I went back to XXXX online to replicate the situation and after selecting one date and waiting for a while, the system defaulted to a different date. I called back XXXX and explained my experience and they said unfortunately they could n't help me. I wrote to explain and still no help. 
I called Citi Bank to dispute the charge. They were very understanding and gave me a credit for the charge. Then I started to receive bills for the charge. I called back and Citi said they sent me a letter for me to send them a written proof of what happend. I explained that I did not receive any such letter. The supervisor said she will send out other paper work. I finally received, completed and sent back to Citi via mail. 
This has been almost two months ago. I am still receiving bills from Citi stating I am past due with no explanation. 

I belive XXXX and Citi Bank deceptively set up this product to get customers to apply for the carrd and unfairly charge for purchases. I would like my purchase to be credited as I did not use the flight. I was unable to travel on the dates that the flight was booked for. I would like any negative report on my credit bureau cleaned up.

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 2016-04-15
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Sale of account

Complaint:
There is an unknown Citibank account that is on my credit report that was sold to XXXX XXXX that I never opened and have no knowledge of, and I can not get deleted. I do not know the account number, the balance, who to dispute to, when it was opened, sold, transferred, charged off, payment history, dispute history, letters of collection, rights or terms and conditions, it is a complete and total mystery and I dispute in totality anything relating to this account. The account can not be validated per the FDCPA and the complete information I am looking to validate to take the proper action if I need to do that. I do not know who to contact or what to ask. Citibank directly needs to furnish all of this information to me since they are claiming the account as original creditor.

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 2021-03-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I hope you can help me. I have been sending disputes to the Credit bureau and I havent received a reply from them. This is really effecting me in purchasing a home. I dont understand why they arent doing their job.They are playing with people lifes and that not right. Please help with issuse I am having.

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 2017-01-04
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with Citibank last year with the understanding that I would receive a {$400.00} account opening bonus after meeting certain requirements. I confirmed with the call center in the bank that I met the necessary requirements to open my account ( which included depositing and keeping {$10000.00} ). They were not able to confirm the date that I would receive my bonus. I have called back multiple times and either been on hold for too long ( 1 hour ) or been given unclear information. When I 've called the bank, they 've taken 25 minutes or longer, including transfers to supervisors, to even locate the promotion on my account. The promotion code itself was never given to me, as I signed up for this online. 

I would like your assistance in retrieving this reward. 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 explanation
Consumer complaint received 2016-09-23
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Balance transfer

Complaint:
I have a 0 % APR promotional balance transfer on my credit card with Citicard. In the same billing period, I made additional purchases besides the balance transfer. I paid the minimum amount due from the monthly statement, PLUS the entire amount of the non-promotional purchases. Citicard charged me interest, saying that it was because I had not paid the statement balance in full, including the balance transfer amount. When I referenced the CARD act provisions that say that any amount paid above the minimum amount due must be allocated to the highest interest balance ( i.e. the new purchase balance and not the balance transfer ), they said I was wrong and expressly stated that their policy was the opposite. I want to make sure I 'm right in that I should not have been charged interest. I saw there are exceptions to this for special debt payment agreements, but I do n't think my account falls into this exception. Furthermore, the customer service rep would not explain the math to me of how they arrived at the interest charged - it does n't make sense 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 2016-07-24
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a XXXX Citibank Visa card that keeps getting rejected. My account is now blocked and I ca n't view my on-line statement. So I called up Citibank to cancel my card, and they informed me that I 'd need to wait of awhile ( " they are experiencing long wait times '' ) to get my account cancelled. This seems unreasonable, since I feel that I should be able to cancel my card without having to wait a long time ( last time I needed to wait 12 mins, and the time before was 20 mins before I eventually gave up ). Anything less seems like fraud. I asked the representative to provide me the name of the regulator of Citibank Credit Cards - she could not. I asked to be referred to a manager, and was referred to a " senior account supervisor '' who also could not provide me with the name of their regulator. And he said he did n't really understand the question. So I did a 5 second search on-line, came up with the name of the CFPB, and informed him that I had the information I required.

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 2016-10-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I would like the assistance of CFPB in contacting Citibank Item 1 : I have been charged credit protector fees for several of my credit card accts. I have only received credit for those which I have brought to the attention of CFPB. I have never received credit for my account am I referencing on this complaint. 
Item 2 In 2015 I paid Citibank on account {$9500.00}, I only had charges totaling {$1400.00} see attached information is taken directly from Citibank st my statement. They gave me a credit but kept my overpayment. I am asking for an immediate explanation. I have called XXXX XXXX several times. She does not answer the phone. She sent a bunch of old statements but my overpayment and some of my credit protector refunds are st still pending. They only gave me credit for accounts I requested. They did not give me credits for all accounts in my name. 
I hope that they read what I have written and reach a conclusion. 
Citibank has partially cooperated since CFPB has gotten involved with my account.

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 2017-03-08
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Around XXXX XXXX, I noticed a fraudulent charge on my credit card for an online purchase at Best Buy. I immediately contacted Citi to dispute the charge which they approved as fraud. A day later a package arrived at my house addressed to someone else from Best Buy. I called Citi back to report that the alleged package arrive to ask them for direction on next steps. They informed me that they could not tell me what to do with the package so its at my discretion but that they had approved my dispute and the money will be credited back. I decided to return the phone to Best Buy. I explained to the customer service rep the situation and told them I needed to just give them the phone back and he said they could n't do that but they would have to issue a credit. I tried explaining that Citi had already given me a credit but he said it must be processed as a return anyway. I have also requested from Best Buy and Citi the IP address of where the item was purchased to provide to the police which I have not received from either company. 
My complaint is now that 3 months later I see a charge on my citi card that occurred on XXXX XXXX but posted XXXX XXXX. When I called Citi to inquire they said they were recouping the credit since Best Buy returned the item. I told them I understood but wanted to given some leeway as now I owe $ 900+ which I viewed as a statement credit at the time and was never informed that this could happen especially not after almost 3 months. I am extremely frustrated that Citi did not set the expectation of their policies on the front end nor was anything at any point communicated to me. I am a loyal customer who pays my bill in full every month, now I will endure a financial hardship for something I did not create. Once the credit from Citi was not corrected within a month, I reallocated my budgeted money. I asked Citi if there was anything they could do for me because of unexpected charge and now my responsibility to pay for it which will cause a financial hardship this month. I was only offered a {$75.00} statement credit for my time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am disputing acredit card Idid not apply for I received it at Sears They said it was a gift Idid not recieve any application for this And I paid my card off in 2014 but I keep getting billings for this and I did not use this card My payments keep going up and up my bank history payments on this card are over XXXX Plus XXXX XXXX Now they have even tried to give me a number ending in XXXX. No card with this Number my card number is XXXX XXXX XXXX XXXX I refuse to pay anymore payments on this card

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other

Complaint:
I had a previous case with you that we thought was resolved. My husband and I were pleased with the creditors response. The creditor once again ( second letter ) apologized and stated that they basically in simple words would repair our good credit standing and reverse any late fees and interest charges. This was stated in the letter dated XXXX XXXX, 2015. To date, our credit has not yet been repaired. I am again, reaching out to you for your assistance. I have tried numerous times to reach the gentleman who wrote this letter to us/this credit card company and unable to reach him. I thank you in advance again.

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 2016-07-08
Company: Revenue Recovery Corporation
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was involved in a car accident and was not at fault. The claim was filed with the other person 's insurance company. The insurance company never paid the claim and as a result I was held responsible for payment of the ambulance transport. The ambulance fee was sent to collections on my credit report. I paid the balance and it is still showing on my credit report as an unpaid and open collection.

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