vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I had a XXXX XXXX loan with a 10 year balloon, that was ending on XX/XX/2016, with Citi Bank. I contacted Citi at the end of XX/XX/2016 and requested options as I could not afford the increase from $ XXXX. to almost $ XXXX. We decided that I should apply for a hardship and try to see if we could get the payment lowered, which I did in the first week of XX/XX/2016. It has now been 8 months, over XXXX emails that I have sent and more than that received and still they are requesting additional and also the same, info. A lot of items they have asked me for, XXXX and 5 times! Or after having sent in the time sensitive info requested, they get back to me 2 months later and say it is outdated-and to resend it the updated info again. I have been borrowing the monies from relatives and credit cards to pay the additional payment, in the hopes that I could get a manageable payment. I was initially told by contact person at Citi, that I would have an answer by XX/XX/2016. I have contacted supervisors who sent me a detailed copy of all our emails and said basically this is a normal process. I am paying XXXX % on the credit cards for cash advances and can not keep this up. I want to pay my debt, but can not continue to wait this ridiculous amount of time. I do n't know if they are doing this on purpose, but ca n't imagine this is a normal time frame. I do n't know where else to turn and just looking for some guidance. They also auto deducted from my bank account the new increased payment XXXX month after I was told the payment had been canceled, per my request. Thank You for you help!

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 2016-11-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Did a order online and NEVER got the order and the amount is still on my credit card a month later

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 2015-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
It 's been more than 7 years my ex did allot of damages to my XXXX score. Never filed bankrupt and they keep changing dates, amount due and selling off to another debt collector. Is this legal. It 's been more than 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Kross, Lieberman & Stone, Inc.
State: NC

Complaint narrative:
I was reported with a debt that was opened and originated because someone stole my identity this has already been known by the so called creditors reporting this fraudulentl account the needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX CONTINUES TO AGGRESIVLY COLLECT ON THE DEBT THAT I DO NOT OWE. HARASMENTS, THREATS OR ARREST AND INAPPROPRIATE LANGUAGE ARE BEING USED, AND CALLS MADE TO ME AFTER WORK HOURS. EVEN AFTER SENDING THEM A COPY OF MY CREDIT REPORT SHOWING NON EXISTANCE OF CITI ACCOUNT ON MY REPORT AND SERVING THEM WITH CEASE AND DESIST NOTICE THEY CONTINUE TO IGNORE MY EFFORTS AND AGGRESSIVELY COLLECT ON THESE ACCOUNTS WITHOUT VALIDATION OF THESE 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 explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Approximately a year ago, around XX/XX/XXXX or XX/XX/XXXX, I called Citi Cards to set up an automatic payment plan to have them automatically take out payments from my bake account. They told me that I could not because my account was closed. I also requested they send me paper statements via mail so that I can monitor my account, since they do n't allow closed accounts to access their accounts online. I was told me payments would be {$60.00} a month, so that is the amount I set up to payments with my bank to send them. I would call from time to time to check on the status of my account, but would not ever be able to speak to the correct person and would be transferred from person to person. I would get hung up on and put on hold for hours at a time. I was told in XXXX XX/XX/XXXX, they only received a payment for {$20.00} dollars. Which I am unsure how it was only that much as I am pretty certain I never adjusted the amount with my bank. When this happened they started charging me late fees. I never knew anything was wrong with my account and that I was accumulating late fees as I have still never received a single statement nor did they call to inform there was a problem with my account. And as previously mentioned, every time I tried to contact a person to confirm their record of my balance matched my projected amount I was unable to make appropriate contact. They refuse to adjust my balance to the appropriate amount and continue to transfer me around and hang up on me. If I had the means to properly manage my account I would have been able to properly pay a single late fee and be able to keep my account at the proper balance. This whole process has caused me to accumulate almost an additional {$1000.00}.

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 2015-10-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XXXX/XXXX/15 and without prior warning, Citibank sent me a notice that they had decreased my credit limit explaining that my credit report " shows a delinquent credit obligation, either paid or unpaid, with another creditor ''. ( See letter attached ) Upon investigation I found that XXXX had made a clerical error in reissuing a card to an erroneous address. This was the only late payment reported to XXXX and XXXX immediately took steps to remove the faulty report with credit agencies ( see letter attached ). I have called Citibank to share with them the letter I was sent by XXXX but they have declined to review it. Citi still refuses to reinstate my previous credit limit so I find myself a victim of how the credit bureau oligarchy conspires against individual consumers. A mistake on my credit report, once remedied, should not have irreversible repercussions across other lenders ... let alone a bank i 've used for literally decades without incident.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XXXX/XXXX/16, I attempted to log into the Citi prepaid site to check my balance information for my XXXX XXXX payroll card. After several attempts to enter my password and getting rejected, I bypassed the login and entered my card details to see my transactions. I was extremely shocked to see that someone had made an unauthorized bank transfer of {$4900.00} from my account on XXXX/XXXX/16. I immediately called Citi Prepaid card services to report the fraudulent transaction. They placed a block on the account to prevent any further fraudulent activity and issued me a new card by mail. They informed me that the fraudulent transfer was made using a XXXX account of unknown origin, a bank I have no affiliation with. They told me to check back every few days to ask about the investigation, but that was it. They did n't offer to credit me the missing money or anything. I filed a police report the very next day and forwarded the case number to Citi by phone shortly afterward. As of XXXX/XXXX/16, Citi says my account is still " under investigation '' and although they issued me a new card, they refuse to remove the block on my account. They have already had 10 business days to investigate this matter ( my account is more than 30 days old ) and according to what I 've read on this site, they are supposed to credit me the missing funds while the investigation is ongoing. They told me the investigation could take 45-90 days to complete, and that they can not remove the block from my account while the investigation is still ongoing. In the meantime, I have bills to pay and no way to pay them. Talking to them Is getting me nowhere, and I am becoming very frustrated.

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 2015-06-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I been paying a Home depot credit card for more than a year but I owe more than what I suppossed to. I stop using the credit card on XXXX 2014 and I owed XXXX. I paid for a year and I owe XXXX.

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: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ZENCO COLLECTION, LLC
State: TX

Complaint narrative:
The company who left a viocemail didnt identify, just said they would file against my social security number, called back to ask for company name, person kept hanging up and said not to call unless I am ready to make a payment. Finally got ahold of someone with the company told me the company is called Zenco and they are based out of XXXX Texas calling regarding a debt from XXXX XXXX XXXX, they would not provide any license number for the company or debt collections. 

I told them this 'debt ' was settled with XXXX XXXX XXXX , XXXX , years and years ago. They told me because I called them back I agreed to pay the debt. I told them that is incorrect. 

While I was on the phone with FTC Texas Attorney General and Texas Secretary of State, this bogus company is calling ALL of my relatives. Based on Attorney General 's office and Secretary of State, this business is not registered with the state or the county, as required by law. 

I can not get them to stop calling my family and every time I contacted the number listed on their website I was told no one is available to talk. They are harassing me and my family and threatening bogus filings which I was told is illegal to 'file ' anything against one 's social security number. 

I want this company to leave me alone and stop the threatening harassing and illegal contact.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a student loan with Citibank that went into default. The loan was passed to XXXX ( XXXX XXXX XXXX ) to collect the debt. In XXXX 2015, I made contact with XXXX and worked with them to set up a " Settlement '' that would be agreed upon by XXXX, Citibank, and myself including setting up fixed monthly payments for a set period of time. I was then required to provide Routing and Account information for Auto Bill Pay and required to e-sign the settlement agreement. 

Sometime in XX/XX/XXXX or XX/XX/XXXX, Citibank ceased relations with XXXX and XXXX no longer was collecting my debt. I did not receive any notification that this had occurred and when I contacted XXXX they directed me back to Citibank. At the time, Citibank informed me they were collecting the debt in house and I made the fixed payment over the phone and was unable to set up Auto Bill Pay due to a problem with their computer system ( they would be inputting the information at a later date ). 

After Citibank did not continue with the Auto Bill Pay I again contacted them to discuss the issue. They then informed me that they are not honoring my settlement agreement, they have no records from XXXX, and that XXXX XXXX ( Collections ) was now handling my debt and I need to contact them. 

Again, never received any notification. This does not seem fair or legal. I have made a good faith attempt to handle my debt. My debt should be discharged for unfair lending 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 2015-07-06 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I returned items via a prepaid label from Macys on XXXX XXXX 2015 through XXXX. I tracked the tracking number and it was received by Macys warehouse and signed by XXXX on XXXX XXXX 2015. No credit was applied to my account the following statement, I called and after being on the phone XXXX hour and being disconnected they said it would be on my next months statement. I received this months and there still is no credit of XXXX. I called again once again I was hung up on in the transfer process, their account specialist said that the warehouse could not process the return and she did locate the items and she would forward it to their credit department. When I asked when the credit would appear she said she did not know she was not in that department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi failed to send me a bill for two months. I had a XXXX balance on the account. I made a payment on XXXX and was told that they would only be able to credit one late fee and that I had a remaining balance of XXXX late fee. I received an paper bill with another late fee of XXXX. The manager said that the email was not returned to them and could not credit the late fee. I was told that the last fee applied on XXXX was for the month of 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 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX/XXXX/2016 my card was declined and I called Citibank. I was informed that my account was over drawn by over {$6000.00}. I asked how and they told me a payment to XXXX XXXX for {$10000.00} had been posted. It was not a payment I authorized. I asked who the card holder was and it was someone I knew. I spoke with him and we figured out that I had paid his card at some point because I owed him money. They payment information was stored and mistakenly used to pay the {$10000.00} bill. Citibank says the money was taken from my account and XXXX says the payment was dropped once they were contacted about the mistake. My account is over drawn, I 'm being accessed fees, and payments are bouncing. I have been told that it could take up to 90 days before the charge is removed from my account. They also withdrew money from my savings account to pay for the over draft.

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 2016-04-23 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My credit card has been charging me the penalty APR rate of 29.99 % interest since XXXX XXXX. They claim that my account is in penalty status, however they were not able to provide me with any of the following information when I contacted them on XXXX XXXX, XXXX : 1 ) my original APR, 2 ) the reason why my account is in penalty status, 3 ) the date that my account went into penalty status, 4 ) the date of any notification that my account was going into penalty status and the resulting increase in APR. My understanding is that if my APR is to increase that I am entitled to a notification or a reason, and I never got one from them. I have paid XXXX in additional interest.

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 2016-04-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Trying to get release of lien off my XXXX XXXX XXXX XXXX # XXXX from Citibank NA. Contacted Citibank NA, on XXXX XXXX, XXXX, representative XXXX said they no longer own the loan, that it was transferred to XXXX. Contacted XXXX, on XXXX XXXX XXXX. Representative, XXXX XXXX said XXXX does not have any record of this vehicle on any of account. Need to get Lien Release ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26 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: GA

Complaint narrative:
The creditor call me XXXX times in a XXXX time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XX/XX/2016 I received a letter from Citibank offering me XXXX reward miles if I fulfilled the terms of the promotion ( code XXXX ). I opened the account in XXXX, fulfilled the requirements ( spend {$1000.00} and submit two bill pay transactions ) and I was promised the miles per the letter within 90 days of fulfilling these requirements. Time passed and I had not received the miles so I contacted Citibank several times and via live chat, they told me " They specifically told me " You will receive your XXXX XXXX miles no later than XXXX/XXXX/16. '' XX/XX/XXXX passed and still no miles, yet I am racking up account fees. I have continued to contact Citibank who NOW in XX/XX/XXXX and XX/XX/XXXX ( never before ) is telling me I was not on their list of customers to offer this promotion to. I honestly believe that they have intentionally dragged out the resolution of this so they could continue to collect my $ 30 monthly charge. I am extremely upset/disappointed with this situation and how Citibank has handled this. In my opinion this is borderline fraudulent behavior and their practices have been extremely deceptive.

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 2015-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX of XXXX XXXX Ca charged me XXXX XXXX times ( Same item ) Called and reversed XXXX charge. On XXXX daughter XXXX XXXX XXXX, XXXX NY was charged also.This is for me and bought for me by family members I agreed to pay after second yr.Mailed proof to XXXX charges XXXX reversed as of XXXX. Someway Sears card ( CITY BANK ) got into this after I already had a reversal and charged me again on XXXX.Do n't know how sears got into this since I got a reversal of charges on XXXX. Rcd letter from Sears Credit services on same day that another charge was posted on my card. Owed a charge back. 
Charge card showed all transactions clearly. Do n't they ever proof read their bills, especially since I brought it to their attention. 
I wish that XXXX XXXX and Sears Crdit compensate me for this hilarious and confusing billing. Send a rebate for all charges, including original, refund my daughter fo billing her.Send a carton for shipping item back. At that point I will go elsewhere for an alert system. All charges amount to about XXXX ( Plus aggravation that never seems to end. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX XXXX, 2016 Re : CFPB case # : XXXX Dear XXXX XXXX ; Thank you for your recent correspondence. As you suggested, I have followed up with XXXX XXXX again and they said " they negotiated the check correctly '' Citibank cleared the check. It was the responsibility of Citibank to insure the check had the XXXX required signatures before clearing the check. Therefore, Citibank is responsible to replace the check. Please advise me on when I will receive this check to resolve this issue. 
Sincerely,

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 2017-03-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

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 2015-06-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
was charged exuberant deferred interest rate and offered to pay balance off as it had only been a few days since the charge happened and the company declined. ( XXXX months no interest ) seems like a very shady practice and there should be a reconciliation period. i should be able to pay off the balance and avoid this 30 % interest charge.

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