vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citibank has attempted to defend its actions in this matter by reliance upon the Expedited Funds Availability Act. That defense is only tangential, not central, to the current claim. 

In this instance, when I attempted to deposit the counterfeit cashier 's check ( copy attached ) ostensibly drawn on XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) in a Citibank ATM at XXXX XXXX XXXX XXXX, XXXX XXXX, the ATM rejected the check. I then approached a teller at that Citibank branch location and indicated to him that the ATM had rejected the cashier 's check and asked whether the teller would accept deposit of that same counterfeit cashier 's check. 

As noted by XXXX XXXX, General Counsel for XXXX, in his email of XXXX XXXX, 2015 ( copy attached ), any bank teller with the requisite training in detecting counterfeit cashier 's checks should have immediately known that the check I presented for deposit was counterfeit. In this regard, as XXXX XXXX points out, legitimate cashier 's checks have " a tracking number which is not present on the check presented to Citibank. '' In addition, as noted by XXXX XXXX, legitimate cashier 's checks bear the telephone number of the issuing institution ( which the counterfeit check did not ) and the check in question bore a suspicious " security features box located on the reverse side. '' Therefore, Citibank 's act of accepting the counterfeit cashier 's check, which their employee ( the teller ) knew had just been rejected by Citibank 's own ATM machine, was, at best, gross negligence, and the teller who accepted the check was either completely untrained in fraud detection by Citibank, extremely reckless, or knowingly and intentionally careless in his actions. The fact the I was given immediate credit in my account for the counterfeit cashier 's check merely compounded the grossly negligent and reckless behavior of Citibank and led to their loss - - which they are now attempting to pass on, unlawfully, to me. 

Under the circumstances, Citibank should be made to suffer the entire loss in the amount of {$1900.00}. Instead, Citibank has, as they admit, closed my account and has also notified other banks to not do business with me, thus preventing me from opening a new account elsewhere and further damaging and injuring me in my personal finances, reputation and credit.

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 2017-03-09 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
This is a complaint about a promotional bonus not being credited, in violation of the terms and conditions provided to the customer ( me ) at the time of enrollment. 

I opened a Citi Savings Plus account in XX/XX/XXXX after enrolling in a promotional offer, offer code XXXX. Per the terms and conditions provided me at the time, I expected that my account would be credited with {$300.00} within 90 days of XX/XX/XXXX if I deposited {$25000.00} to {$50000.00} by XX/XX/XXXX and kept at least that balance through XX/XX/XXXX, which I satisfied. However, 90 days later ( XX/XX/XXXX ), the {$300.00} promotional bonus has not been credited. 

I have called CitiBank customer service to give them an opportunity to rectify the issue, but they claim that the bonus failed to credit because the offer was " targeted ''. However, the terms and conditions PROVIDED TO ME AT ACCOUNT ENROLLMENT do NOT state any such contingency, and hence that excuse can not apply. In fact, I even received an enrollment confirmation ( of which I took a screenshot along with the terms and conditions ). Despite this evidence, Citi is refusing to credit me the bonus ( citing the " targeted '' excuse despite it being absent from the terms and conditions ), and hence they have failed to uphold the terms and conditions to which I agreed at time of enrollment. 

To preempt a possible response from CitiBank, they MIGHT respond to you claiming that the promotion was " targeted '', but that excuse is invalidated by the evidence I am submitting, namely the enrollment confirmation and complete terms and conditions on which I based my decision. 

I would like to emphasize that I signed up for this savings account SOLELY because of the promotional bonus, and in good faith that my satisfaction of the terms and conditions would result in my being credited the {$300.00} reward. I therefore submit this complaint seeking to enforce the terms and conditions that Citi provided me ( upon which I based my decision to do business with them ), and thus be credited the promotional bonus described in those terms. 

Description of attachments : * CITI SAVINGS OFFER SCREENPRINT.pdf '' -- screen capture taken on XX/XX/XXXX showing enrollment in the promotion ( top of first page ), terms and conditions upon which I based my decision to open my account, and the offer code ( bottom of second page ) * " citi savings plus statement [ XX/XX/XXXX ] .pdf '' -- statements for the account in question showing satisfaction of the terms and conditions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ASTA FUNDING INC.
State: TX

Complaint narrative:
XX/XX/XXXX, I purchased a XXXX Dodge Intrepid. I fell behind on my payments in XX/XX/XXXX. I was notified in writing in a letter dated XX/XX/XXXX from the law offices of XXXX XXXX XXXX, XXXX that Palisades Collection LLC an Assignee of XXXX XXXX was collecting from me a loan balance of {$20000.00}. Palisades filed a judgment against me on XX/XX/XXXX the judgement amount was for {$20000.00}. I paid my debt off in full to XXXX XXXX in the amount of {$20000.00} with a cashier 's check. I received a paid in full letter from XXXX XXXX dated XXXX. The paid in full letter from XXXX is dated XX/XX/XXXX and the judgment was filed on XX/XX/XXXX. This judgment should have never been filed. On XX/XX/XXXX I received a letter from XXXX XXXX and XXXX, XXXX collecting for Palisades Collections. They were trying to collect {$20000.00} from me. On XX/XX/XXXX I spoke with XXXX XXXX with Palisades Collections and he said this debt had to be paid. Now I can not find no trace of XXXX XXXX XXXX. When I called the telephone number XXXX the company this number belongs to is XXXX XXXX, and Palisades is a subsidiary of this company. I just want to get a release of lien letter from whomever has a lien on the vehicle I owned. my vehicle vin number is XXXX. The judgment is no longer on my XXXX credit bureau reports. Please help me to get a release of lien for this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a credit card in-store at a XXXX XXXX Department store in XXXX, California. From there, I never received the card in the mail, so I was unable to pay the card or login and could not contact anyone for help from the # 's provided on the internet. 

I paid the card off in-store with a debit card, and told them about the problem, they sent me another card which I 've had for a while now ending in XXXX. 

Today I received a call and they informed me, unknown to me, that I have a XXXX credit card ending in XXXX, which I have never received a statement, card, call, or email for until today. This new card unbeknownst to me also has a very past due balance they 're just now informing me about as well that is over {$1000.00} XXXX. 

I can not help but feel that assigning a new credit card, transferring the balance of, and not informing a consumer is probably considered predatory lending, and would like to ensure that : XXXX, XXXX XXXX Credit Card, XXXX Stores, or Amex who are all associated with the card do not continue this practice. 

I 'm unsure if I truly owe the amount they are stating that I owe and have sent to collections ( {$1100.00}, or XXXX, they told me multiple different amounts on the phone ) as I paid it all off in-person to avoid having to use this card again after seeing that they did not have normal business practices or customer service. 

I am very disappointed in the hours of time that opening a simple department store credit card has caused me to lose dealing with them on the phone, or attempting to login to their poorly built website online. 

Thank you very much for providing an agency or group to review and monitor these types of businesses who waste time, money, and impact credit reports for Americans. 

Thank you, -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 2017-01-26 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 a citigold checking account with Citibank. The promo code was supposed to be applied to my account 90 days from the opening of the account.we are now over 90 days and they advised the are now investigating promo code. Opening of account was done through their website and promo code was applied automatically. I was advised they will need 30 to 60 days to complete investigation. This Citibank has mislead me and now I am forced to keep my funds with them as I will need to keep my bank active.

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 2016-06-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I want to convert a portion of my CitiBank HELOC to a fixed rate loan in accordance with paragraph # XXXX of my original HELOC document dated XXXX XXXX, 2006. 
I am writing to you after spending many weeks communicating my request with CitiBank staff and supervisor representatives in far-flung parts of the world. I have had in-person office meetings with my local CitiBank Loan agents and CitiBank branch managers to discuss my desire for converting a portion of my current HELOC loan. On every occasion I am referred to another CitiBank employee ( phone # ) who either has no knowledge of the criteria used in calculating the rate I will be charged on the $ XXXX amount I wish to convert, OR, the representative contradicts another employee 's explanation of how the rate is derived. All employees refuse to document their statements or provide a written estimate of fees and interest rate charges for the converted loan amount. 

Paragraph # XXXX of my original HELOC document dated XXXX XXXX, 2006 reads : " ... The Annual Percentage Rate for each Converted Balance is fixed and will be determined by the value of an index. We will take the index in effect on the date the Converted Balance is established by us and add a margin. The index we will use is the Federal Reserve Statistical Release XXXX " Selected Interest Rates '' Interest Rate Swaps ( 7 Year ) .... '' My current margin is XXXX %, The current index value is 1.51 %

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 2016-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank sent me an invitation to open a citigold checking account in return for an award of XXXX frequent flyer miles. The requirement is that : 1 ) I spend over {$1000.00} using the debit card ; 2 ) I use bill pay over 2 consecutive months. The award should be completed within 2/3 months after i complete my required actions. The account has been active for 6 months now, I have done all my required purchases, yet no award. In the meantime I am paying a fee every month because I do not maintain a minimum {$50000.00} balance. I agree to the fee, but I did not anticipate that the bank would take so long to give me my award. When I called in to enquire, the customer service agents refused to give me the details of the promotion and instead told me I have to make more purchases. I believe that citibank is fraudulent in that it falsely promises to award the XXXX frequent flyer miles upon my completion of the requirements and prolong the process to collect more fees from 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 non-monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I took out a private student loan in XXXX for about {$9500.00}. I 've been paying this loan back since XXXX and have been paying it back on a monthly basis ( though admittedly there have been some missed payments, but it has n't happened often XXXX. It 's now XXXX and I went online to check my loan balance through Citibank and found that it is over $ 10k and the interest rate is 7.5 %, which I believe is higher than what I originally signed up for. I sent them a message about this, and got a very canned response. I 'm currently paying about {$100.00} per month for this loan, and it was supposed to be a 10 year term. I 'm about 8 years in to this term and I ca n't possibly see how this loan will ever be repaid if the balance is higher than what I originally borrowed.

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 2015-05-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In 2010 I acquired a Macy 's store card. A year or so later, I was informed that, because of my excellent credit, it was being automatically converted to a Macy 's American Express card. I have used it only for purchases at Macy 's and at XXXX. Today I received a notice from my credit monitoring service that I had exceeded the credit limit on my card. I checked my most recent statement and saw that the credit limit is {$2000.00} -- far above the {$340.00} balance from XXXX charges. I telephoned the customer service number on my Macy 's card statement and was told that it is a " XXXX in XXXX '' card. The {$2000.00} limit applies only to purchases at the store. Outside purchases are governed by a {$300.00} credit limit. I then phoned the XXXX customer service number and was told the same thing. I am furious and feel that this is deceptive. If there must be a discrepancy in the credit limits, that should be stated clearly on every statement. Remaining credit for Macy 's purchases : $ XXX.XXRemaining credit for other purchases : $ XXXX. 
I intend to cancel the card after paying the outstanding balance, but wanted to warn others about this practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This credit card company Capital One/Best Buy is reporting on my credit report {$2400.00} of debt. I requested proof baring my signature on XXXX XXXX, 2016 because I do n't own or have ever owned this credit card and disputed the charge with them. They have failed to do so and also they have also failed to mark my account dispute within 30 days as the Federal law requires them to comply. I have sent three letter since that time they have not provided me with anything especially my signature and they finally way after 30 days marked it disputed. I have copy 's of them receiving my certified mail on XXXX XXXX, 2016 @ XXXX. I also have proof of my credit report printed 31 days later showing they have not marked disputed on my credit report. I am requesting removal on all three credit bureaus because its not mines and they have not gave me anything bearing my signature well over during the time the law required. 

The Federal Laws that they have broken are below : Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Fair Debt Collection Practices Act. And they may be liable for their willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ].

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 2016-02-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
payment was issued to Macy 's on a account that reached the statue of limitation so the debt can be cleared. I called to check on the status of the payment posting several times to finally be told that they mailed the payment back. Well the payment posted but to the wrong account. Now I am being told that I have to mail in the copy of the check to a XXXX XXXX with not time frame as to when the payment will be put on the correct account. There are no managers that are available to assist with this matter. This need to be solve as soon as possible. I was also told that they ca n't send me a receipt showing that the payment has been posted to the correct 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 monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Citibank sent a letter to me stating that I had been enrolled in their Identity Monitor program without my knowledge. They stated a link in the letter to submit a claim for repayment of the charges. When I tried that link, it did not work. I called CitiBank and talked to their customer service representative. I was told by that person that if I could not access the link provided, I could not file a claim to receive a refund. I have been a customer of Citi for years, but if this is the kind of customer service they offer, I think I will close my accounts.

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 2017-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I spoke with a representative @ CitiMortgage on XX/XX/XXXX who advised no additional documentation was being requested. I spoke with another rep today who stated a letter requesting additional documentation was sent out on XX/XX/XXXX. The rep from XX/XX/XXXX provided inaccurate information. On XX/XX/XXXX we were over 7 business days from the XX/XX/XXXX scheduled foreclosure and could have provided the required docs. Now we are under 7 business days from the foreclosure due to the rep providing inaccurate information.

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 2015-09-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Several months ago an unknown person or persons used my XXXX card information to charge {$2100.00} ( probably gift cards ) at a distant outlet of a high end national retailer. My bank froze my account, reimbursed the fraudulent charges, and issued me a new XXXX account. It later occurred to me that I might have some exposure via my Shell Oil credit card. A purchase of gasoline using the card requires no password nor signature. I sent several emails to Shell asking about consequences of fraudulent use of my Shell card. Replies were boilerplate, did not address my question, and were totally unresponsive. Sloppy, too. They addressed XXXX email to " Dear XXXX '' ... ... ... the city where I live. So I sent an actual letter to Shell senior management asking the same question. This was a couple of months ago. No response. 
Can your agency tell me whether fraudulent use of an oil company credit card will produce reimbursement to the card holder? I believe this is a question of general interest ; I 've torn up my Shell card but may be interested in applying to another oil company. I like the convenience of tracking fuel purchases separately from my other credit card activity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: RI

Complaint narrative:
I originally financed my single family owner occupied home thru XXXX XX/XX/XXXX. The current servicer Select Portfolio Servicing fraudulantly created an assigmnet and recorded it at my local town hall purporting to assign my loan into a RMBS with XXXX as trustee. I have a copy of the Pooling and Servicing ( PSA ) agreement for this RMBS. Some of the many problems are the RMBS closed in XXXX of XXXX ( per the PSA ), PSA states all loans would have to be securitize prior to the closing day in XXXX of XXXX plus 90 days, SPS assigned my mortagage into the trust in XXXX, SPS lacks authority to assign anything into the RMBS ( per the PSA ), this RMBS is governed by New York State Trust Law ( per PSA ). SPS has sceduled a foreclosure once or twice a year since XXXX, everytime they cancel it the day before the scheduled date. I have filled out 15+ HAMP Tier1 modification requests, the always need something, or dont qualify for this reason, I defaulted on this agreement, or whatever story they decide to tell on any given day. I am currently under review for a modification since XX/XX/XXXX, but they always need something new. So recently they sent me a letter stating I would hear something on the review shortyly and the day later I receive an intent to foreclose letter from XXXX and XXXX dated for XX/XX/XXXX I sent them a proof of debt letter asking all the same questions I have been asking regrding the validity of the assignment and trust purchasing my loan. They still have yet to reply. So as I sit here wondering who actually legally owns this loan and wait to hear back regarding a modification and proof of debt their duel tracking me towards foreclosure. Duel Tracking is also illegal, but yet they still do it and get away with it. I need help to save this home for my family of 5.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation