vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Aspen Yo LLC
State: TX

Complaint narrative:
As I explained before too many times, XXXX are selling and selling my mortgage. Right now, GREGORY FUNDING ( XXXX- XXXX CA XXXX. NO ADDRESS AS YOU CAN SEE ) is showing delay payments in my mortgage since I paid before to the prior Finance Company XXXX LOANS. These Companies are doing fraud to get more money. Now they are asking Fees & Changes. I do n't want to continue paying my mortgage with robbers. I want to pay my mortgage in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I can not get a paperless copy by pdf of my monthly statements easily. This is my second complaint. I just want it fixed. 
I travel XXXX XXXX XXXX so I hope to keep a business card with them, but CitiBank is inept.

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 2016-08-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am writing this complaint against Citibank/ CitiMortgage. I have been trying to get a loan modification for about 1 1/2 year now. I have turned in my papers that is requested of me in a timely manner and multiple time. Citi has been incompetent to do their part as in processing the paper in a timely manner and allow my papers to expire. Once they expire I have to start back over. I have had multiple attempts by phone and email to contact my specialist XXXX XXXX. I never hear from him or able to contact him. The one time I did he stated that there was in paper work on file in which he was very rude and not helpful at all. I told him there was and that I received a letter stating so. I then ask to speak with his manager. I spoke with XXXX XXXX par. Once I spoke with XXXX he stated needed my home owners association paper once again even though it will state the same thing. Once I emailed it I tried multiple times to contact XXXX XXXX par by phone and email with no successful attempts. To see If he did reiceve it and it is was the proper paper to move forward with the process. I finially received an email from XXXX XXXX par on XXXX XXXX 2016 stating that he did receive my papers and he would retro back all of my last documents so they would be current to send them to the underwritier and I would know something in a week or so. It also stated that XXXX XXXX XXXX would keep me updated with the underwriter. I still have not heard anything from XXXX, XXXX or a decision. I have received a paper and calls stating that my loan is past due and all money is due or my account can be forwarded to foreclouser in 14 days of stated date of XXXX XXXX 2016. I should already have a decision on this loan modification since I have been working on this for over a year now and not have to be going through this with the added stress due to Citi 's incompentent work ethics

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 2016-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am behind on my mortgage and have been since XX/XX/XXXX. This was as a result of a reduction in income. I got back on my feet and contacted CitiMortgage in XXXX attempting to set up a payment and was advised they could not accept my payments as I was in pre-foreclosure. I stayed in communication with XXXX, which is the 1st time homeowners program which I purchased my home through in an effort to obtain modification assistance. I contacted the Citi mortgage attorney in XXXX to find out the payoff amount to bring me current and status of the foreclosure and was advised no sale date was on the property at the time as it was early in the process. I submitted requested paperwork to XXXX in XXXX. This information was being sent over to Citi, but no responses were being received. In the meantime, the foreclosure clock remained ticking despite Citi Mortgage 's lack of responsiveness. My Homeowners specialist has changed at least 3 times. I 'm attaching letters which show proof of this. In the meantime, no one was working my case, making it appear that I was not interested in alternatives to resolve my outstanding loan balance. I believe it changed more ; however I only have proof of 3 changes available from my inbox. I finally decided to deal with CitiMortgage direct, since XXXX seemed to be unable to reach anyone and spoke to XXXX, my most recently assigned Homeowners specialist, back around XXXX. He confirmed my suspicions that NO ONE had been working my case. XXXX committed to staying in contact with me concerning my loan and has done such. Though I am working directly with Citi Mortgage, XXXX still checks in on the progress of my loan as they are Homeowners Advocates. I was contacted on XX/XX/XXXX and advised that there was a Sale date on my home for XX/XX/XXXX. This was concerning because I talked to XXXX earlier that day and never received notice. It is even more disturbing because per the email, text, and written letter I received from Citi " Foreclosure activity will cease while your complete application is being evaluated for hardship assistance ''. I contacted Citi on XXXX and spoke to XXXX and he advised because the foreclosure date is so far out, foreclosure activity will resume. This is a very deceptive practice and completely contradicts what CitiMortgage themselves sent to me in writing. Also, I believe XXXX had to payout a lawsuit concerning the same Dual tracking practices

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 2016-02-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My home is scheduled for foreclosure on XXXX XXXX, 2016, tomorrow, so not expecting that anything at this late date can be done, but it would be nice. I was told the only way to stop the foreclosure was to pay an amount to reinstate the mortgage. The problem with this is as of today, I have not been given the exact amount to reinstate and this has gone on for over a week! Citimotgage has not been able to give me the exact amount nor has the attorney handling the foreclosure, XXXX XXXX XXXX. How am I to get the money together from my XXXX and a relative to reinstate my mortgage and stop the foreclosure if you ca n't quote me the amount due! How is that fair and how am I being held accountable for this illusive amount. They have had me calling back and forth between the XXXX, wasting time and precious days needed to get funds from XXXX, papers have to be signed, a letter from CitiMortgage is needed to process the request, which takes a couple of days, needless to say I am highly upset!! They have on purpose, in my opinion, allowed this to drag out, so I could not do anything or get anything accomplished in time. I literally have some of the funds just sitting in my XXXX, waiting to be accessed, but I was n't allowed to move forward, because of the run around and the refusal by XXXX to write a letter stating they would be willing to take the amount I have, a partial payment, along with money from a relative. I was not allowed to speak to a home specialist, about my modification, because it was too close to the foreclosure date. not sure what can be done, but I think it is important that you know and others how I have been treated. My problems with CitiMortgage have been on going, previous case # XXXX, I have tried to get them to lower my payments so I could actually make payments on time, I feel they have price gauged me!! My payments have consistently gone up from XXXX, to XXXX, now it is at XXXX, I tried to include them in a bankruptcy case, but they wanted the XXXX monthly payment, plus another {$400.00} deducted from my paycheck, this is what I have been dealing with! I am at my wits end and it maybe time to move on, although I am literally being push out. My son is at the local high school, he is a junior I would at least like to be allowed to stay until the end of the school year. Please, help if you can?

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 2015-10-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX in Oklahoma, XXXX phone XXXX has called for XXXX straight days and many times in the past. They have been told that my son 's loan is not my problem and they continue to harass me. I have not cosigned or have anything to do with this loan. I am very tired of these phone calls and want this to stop. 
Thankyou, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
no online access to statement and the bill is 3 times the purchase

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 2015-05-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX cancelled my flight hours before departure and the insurance on my Citicard, who always claimed to cover me in anything travel related, did only cover XXXX of the claim, with excuses that are ridiculous. Nobody cares. 
I had to run and get another ticket with another airline and they said they would cover any extra charges just to get me out of the way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank advertised a XXXX XXXX Account. XXXX {$15000.00}, leave it with the bank for XXXX days and they would give a bonus of {$400.00}. My husband and I opened XXXX accounts on XX/XX/XXXX. Today is XX/XX/XXXX and we still have not received the {$400.00} bonus that was due us on XX/XX/XXXX We have called the main office numerous times and they keep promising the money will be there, first on XX/XX/XXXX then on the XX/XX/XXXX and then on the XX/XX/XXXX and now maybe never. This is a fraud perpetrated by the bank. The bank employee who set up these accounts is XXXX and the bank XXXX is XXXX. I spoke to XXXX on the XXXX he was very sympathetic by unable to anything. He swore he would get our money but I no longer believe anything from Citibank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I live in NY. I received an e-receipt on XXXX/XXXX/16 that my Macy 's card was used for a purchase made in XXXX XXXX, XXXX. I had the Macy 's card in my possession. As per Macy 's someone came in with my name on a Florida driver 's license and used the last XXXX digits of my SS # to make a purchase. I filed fraud paper work with Macy 's and also a police report with the XXXX XXXX police. Still waiting for Macy 's to complete investigation. Also asked for info as to what they have discovered and they can not tell me. Recently I have fraudulent charges made with my debit card from someone in XXXX. I want Macy 's to clear my charges and advise what, if anything they have discovered regarding this fraud. I am concerned that it may be someone in Macy 's. I would like answers from them. It is over 2 months.

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 2015-12-03 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
bait and switched savings account and money market account resulting in fees if minimums not met

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

Complaint narrative:
On XXXX/XXXX/2016, I opened a Citigold checking account under promotion XXXX. I have a screen shot I made showing Citibank accepting this promotion code. This promotion grants XXXX Thank You points for opening the account which requires maintaining a {$50000.00} balance and a bill pay on two consecutive months within 60 days. I fulfilled these requirements. On XXXX/XXXX/2016, after not getting the promised points, I contacted Citi and they opened an investigation. A few days later when I again contacted Citibank the representative told me they could not investigate further until 90 days had passed following completion of the requirements ( which would have been XXXX/XXXX/2016 ). I still did not receive the points, so I contacted Citi again on XXXX/XXXX/2016 and the supervisor said they would not honor the promotion. Since I opened the account based on the promotion worth {$400.00} and met the requirements, I would like Citibank to honor the promotion and award the points.

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 2017-02-06 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: FM

Complaint narrative:
I brought item in XX/XX/2016 from macys and within few days I return the item, however at the time of purchase they stated the charge would be placed on the club promotion plan that offers XXXX months interest free. when I made the return the person did not placed the returned on the promotional plan only on the revolving account. I have called many times regarding the issue but its hard to communicate with the representative but they are all in XXXX, when I ask to speak with account XXXX in united states I keep getting routed to XXXX. I have filed a complaint before regarding the same issue and they stated it was resolved. but looking at my statements the issue was not resolved I been getting for promotional balances also looking at the statement I also been charged interest rate charges for return items as well. im tired of calling and asking for account XXXX to review my ACCOUNT. and no one is doing anything about it. I have call to close my ACCOUNT. IM AT THE POINT THAT I DONT WANT TO PAY FOR SOMETHING THAT IS NOT ACCURATE OR FAIR AS cONSUMER!!!!! also you will look at my statement its states that if I paid {$180.00} for XXXX yrs my account will be paid off, than why am I getting charge 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 2017-02-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a continuing issue with Citibank. My original complaint # XXXX was disputed numerous times and closed without any resolution. Now I continue to receive collection notices from Citibank. The first Collection Agency was the XXXX XXXX XXXX which I sent a letter to on XXXX/XXXX/2017, disputed the account with and notified the credit agency that I was a victim of identity theft. I was told they would not contact me again. Then, Citibank changed the Collection Agency to a different company named XXXX XXXX XXXX XXXX to continue harassment regarding the identity theft. Then when I disputed the file again with Citibank, I was sent a letter that stated " So we can continue our investigation, please provide the following : The enclosed Declaration of Fraudulent Charges completed and signed by you and anyone authorized to use this card. If we do not receive a response from you within 15 days from the date of this letter we will complete our investigation with the information available. The letter is dated XXXX XXXX, 2017, today is XXXX XXXX, 2017. THERE IS NO DECLARATION OF FRAUDULENT CHARGES ENCLOSED IN THE ENVELOPE TO RESPOND TO AND NO PHONE NUMBER GIVEN. I just confirmed with CFPB at XXXX that the account has already been closed. The deceitful practices of Citibank must be stopped. HOW ARE YOU SUPPOSED TO RESPOND WITH NO DOCUMENTATION ENCLOSED TO RESPOND TO. ALSO, CITIBANK PUT THE IDENTITY THEFT ACCOUNTS IN COLLECTION WITH XXXX AFTER I REQUESTED THEM BY MAIL AND PHONE THAT I AM A VICTIM OF IDENTITY THEFT AND AFTER I DISPUTED WITH THE COLLECTION COMPANY INFORMING THEM I WAS A VICTIM OF IDENTITY THEFT, I WAS TOLD THEY WOULD NOT CONTACT ME ANYMORE. CITIBANK THEN, CHANGED COLLECTION AGENCIES TO 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 2016-10-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have been disputing incorrect information Citi Financial has had on my XXXX credit report for over two years. They have been reporting to XXXX that I have a charged off account that was paid/settled for less than the full balance. I have never been in contact with Citi Financial to discuss a settlement nor did I pay any balance Citi Financial claims I owe for less than the full amount of the original balance. In XXXX XXXX, I received a letter from Citi Financial confirming I have never been involved in any settlement nor have I paid the balance they claim I owe and they would update my credit report to reflect a balance of {$6100.00} within 30-45 days of the letter. That has not happened over the last 15 months. In fact after my last dispute of this account with XXXX on XXXX/XXXX/XXXX, they reconfirmed with XXXX on XXXX/XXXX/XXXX that the account was paid for less than full balance. This currently is and has been false information on my XXXX credit report has impacted my ability to apply for loan items. This is a violation of the FRCA and I request this account be removed from my XXXX report immediately.

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 2015-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I 've been trying to work with Nationstar for months now. I submitted a claim abouta month and half ago due to after several calls and promises they could not orwould not sign a form needed to change my property from a titled property to a realdeeded property after I had the work done to do so. Since I could get the formsigned I went to bank and borrowed the money to pay the Mortgage off on XXXX/XXXX/15, then I would n't need the form signed a lien holder anymore. Well now it 's XX/XX/XXXX15and they have yet to send a release of lien to the county tax office in order for thelien to be removed so I could have my property changed from titled to real deededproperty. I 'm been advised that they only had 30 days to do this. Their customerservice told me that and the director of register of deeds told me that. I will bechecking with an attorney I guess, not sure what else I can do. This process allstarted back XXXX/XXXX/2015 and I ca n't seem to get any results out of Nationstar whom Ialways paid on time and would like to have better results from them. I have calledthem at least 15 times and spoke with a couple different supervisors and still can'tget what I need done, but yet they have been paid in full since XXXX/XXXX/2015. They havetold me two to three different dates as to when they processed and mailed therelease of lien, but yet Register of Deeds has not received it. I even gave them tocorrect address for the register of deeds. PLEASE help with this if you can. Wouldbe nice if they overnighted the release as they stated they would when I spoke tothem on XXXX/XXXX/2015 in order to have it done in the 30 days ... DID N'T HAPPEN. 
Thank you for any help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Last summer I purchased my first home and took out a mortgage. When evaluating different mortgage lenders I compared Citibank to XXXX XXXX and XXXX. Citibank was not the most competitive on rate, but they told me that if I chose a Citi Mortgage, I would not incur minimum balance fees on my Citigold bank account after I withdraw funds for my down payment, because the mortgage balance would count toward my total Citibank relationship. I chose the Citi mortgage because of this benefit as I wanted to avoid any minimum balance fees after buying my home, and I wanted to maintain my Citigold status because of its several financial benefits. For the past 15 months everything was fine, however last month I received a minimum balance fee of {$30.00} for the first time. I was told by Citibank that they are no longer honoring their policy of counting a mortgage towards a my total relationship with their bank. They misled me into choosing a Citibank mortgage with them based on this policy being in effect. When I was first evaluating what mortgage provider to select, I evaluated the costs of paying fees on my Citigold account and using a different lender who had better rates versus choosing a Citi mortgage and avoiding Citigold fees. I ultimately chose the Citi mortgage so that I had the ability to keep lower bank account balances while still keeping my Citigold status. The Citigold status provides certain financial benefits that factored into the decision. There were absolutely zero disclosures on my mortgage documents relating to the potential risk that their policy of counting my mortgage as part of my total banking relationship could be be cancelled at any time. I thoroughly reviewed all of my original mortgage paperwork and find no reference to the risks of these changing policies. I was led to believe that this policy was fundamental to the mortgage, and that it was something never at risk of changing.

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