vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
XXXX, my husband and I relocated to XXXX, XXXX. At that time we had our personal residence in XXXX XXXX, XXXX which needed to be sold. Previously it was rented several times and the renters ' moved out, causing a hardship of paying the mortgage. In XXXX, XXXX XXXX listed our property, XXXX XXXX XXXX, for {$190000.00}. It did not sell so we contacted Citi Mortgage for consideration of a short sale. To be approved for Short Sale we had to show a hardship of not being able to pay the mortgage. The Citi Mortgage representative, XXXX XXXX, obtained the BPO ( Brokers Price Opinion ) for {$140000.00}. The property went into pre-foreclosure at XXXX County Clerk of Courts and sold on XXXX XXXX, XXXX. During the ten day redemption period, the listing agent sent XXXX offers to the Citi Mortgage Representative, XXXX XXXX, a short sale representative. The offers were for {$110000.00} and {$110000.00}, the latter offer being increased to {$120000.00}. During this time Citi Mortgage gave me the impression they wanted to assist me in keeping my house out of foreclosure, but Citi Mortgage did not accept either offer! This dialogue is documented through emails, which will be sent in attachments available on a word document. 
I contacted Citi Mortgage regarding the above mention property and was informed the property sold on XXXX/XXXX/XXXX for the price of XXXX and the account was closed on XXXX/XXXX/XXXX. 
The National Mortgage Settlement and Independent Foreclosure Review included this property in a complaint against Citi Mortgage for their erroneous errors and mismanagement against consumers regarding various mortgage issues. On XXXX/XXXX/XXXX, I received {$1400.00} from National Mortgage Settlement, and on XXXX/XXXX/XXXX {$500.00} from Independent Foreclosure Review. These amounts do not represent the hardship I have incurred which has caused damage resulting in me having no credit worthiness. 
The reason for my complaint is that I desire to be fully compensated for damages to my financial portfolio. These acts by the mortgage company have prevented me from obtaining mortgages, low interest rates for credit cards and various loans. This hardship has denied financial possibilities to aid in obtaining credit stability to purchase a home. 
Thank you in advance for reviewing my complaint.

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 2016-12-02 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In XXXX, I got an XXXX XXXX, COSTCO branded credit card that I used extensively and with no problems, no late payments, always paid my balance in full each month. COSTCO transferred that card to Citi in the spring of XXXX and my XXXX card was cancelled and I received a Citi VISA card. This was quite an annoyance since I had over a dozen automatic accounts on the Internet and elsewhere that referenced my now-defunct XXXX credit card. Later that XXXX, a merchant issued a credit for over {$4000.00} to my defunct XXXX card that was sent to Citi, I decided to use that Citi card extensively to " spend '' that large credit. Then on XXXX XXXX, I paid the balance on my Citi card, completely with a {$250.00} payment using an ACH withdrawal and auto payment from my XXXX XXXX bank account. My intent was to use another XXXX XXXX credit card account and terminate the Citi card. In error, on XXXX XXXX I sent an ACH payment of {$2500.00} to my old, now defunct XXXX account instead on my new XXXX account and that was automatically routed to Citi! I discovered this error a few days later when I received an email from XXXX noting a missed payment and assessing my with interest and late fee penalties.I immediately called Citi and XXXX to notify them of the error- I asked that my Citi overpayment be refunded and sent another check for {$2500.00} to XXXX. 
A few days later, another merchant applied a credit of over {$5000.00} to my defunct XXXX account- and it to was transferred to the Citi account creating a credit of over {$7800.00}. I called Citi again on XXXX XXXX requesting that I be issued a check or a direct deposit for that balance and I was told that it would be done- in 3-5 days over a recorded line. 
On XXXX XXXX, I called again and made quite a fuss to a sequence of Citi employees over a recorded line. In essence, I was told that the " 3-5 '' days was the time to issue a check AFTER an investigation was completed and that there was no timeframe for that- it could be YEARS! I even had my bank on o conference call where they confirmed that the {$2500.00} was in fact paid on XXXX XXXX to a Citi supervisor. I asked them to issue a check, and call me when the matter was resolved. As of this moment, I have heard nothing.

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 2016-01-12 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a citibank saving account, because there was a {$25.00} promotion around XX/XX/XXXX or XX/XX/XXXX. I contacted citibank many times and it seems citibank does n't want to honor this promotion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have held a mortgage against my house since XXXX 1994. I have NEVER been late. 
A payment was scheduled for XXXX, but apparently it did not go through. I do not understand, and was unaware that the payment did not go through until I began to receive letters from Citibank/Citimortgage that they had notified the credit bureau 's that I was in default. I called the bank, and informed them that I would schedule a payment with my bank immediately. The rep wanted me to send it over my phone, I refused, he kept right on trying to get me to send a payment over my phone. In addition, he tried to put words in my mouth stating that I had forgot. I did NOT forget to sent the payment. I am a XXXX year old XXXX female veteran. Was he making fun of me? I tried to get customer service to allow me to view my account online, but was told that I had not linked my mortgage to whatever. I have not been able to view my account online for over 3 years despite all I do with citibank to make this happen. I only have XXXX mortgage, only XXXX product with citibank, so I do not know what this person was talking about. I was sold to citibank. I did not choose them. The XXXX payment was received on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Credit card : Home Depot Consumer Credit Card I have enrolled in " Auto Pay '' and have authorized Home Depot to withdraw the statement 's balance due amount from my checking account on the due date. On XXXX XXXX, 2015, an Auto Payment was made as authorized. 
Later on XXXX XXXX a duplicate on line payment was of the same amount was withdrawn from my checking account. This was not authorized and the balance due had already been paid! 
The resulting double payment has reduced my checking account balance to a negative amount and has resulted in overdraft fees of {$58.00} and has left me with less than a XXXX balance of funds to pay bills. 
I called Home Depot customer service and spoke with a very nice representative that could see the two payments on my account but after speaking with the Home Depot Disputes department advised me that it will take up to 14 days to refund the the funds. I was requested to to get a copy of the " Bank Transmittal '' form and fax it to XXXX which is the " Existing Disputes '' Department. If I did this I was advised I may be able to get a refund as soon as 5 days. 
I discovered this error on a Friday afternoon. I have not been able to get the transmittal form over the weekend. Now it is going to take many more days to get a refund of my money that Home Depot fraudulently withdrew from my checking account. 
I have had to borrow money to pay the balance of my bills due XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I have never received a bill from the original company this is due from. I do not know where these bills are coming from and why I owe them. I have also never received a bill from BC Services. The only reason I know that I " owe '' is because it shows up on my credit report. I have contacted them to send me something so I know what it is and why I owe. I have only been told how much I owe over the phone and that it is a medical debt. BC Services has failed to assist me in the debt and just want to collect the debt that I am not even aware of owing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I applied for citi gold checking account with XXXX promotion offer ( with offer code : XXXX ) in XXXX XXXX. I met all the requirements as per terms in XXXX, XXXX. I got confirmation both before and after application ( before : via phone in XXXX, after : via online chat ) that after I met all requirements and XXXX would post in 90 days ( in XXXX XXXX XXXX. However, the XXXX bonus XXXX did n't post after 90 days, and citi refused to honor the promotional offer when I contacted them back in XXXX XXXX. Worse still, the service fees that incurred during the 3-month waiting time was {$90.00} before I contacted them to downgrade my account. Citi, a bank that I once trusted and liked, not only failed to keep their promises, but also tricked me for the {$90.00} loss. I would like to have this issue resolved, or I would reconsider my business with this bank and let my friends and colleagues aware of this unpleasant and intolerable experience. PS : I did n't record the phone call, nor screenshot the online chat because I never thought this would be a problem. But I do believe that Citi can check out both the phone records and the online chat history on their discretion if neccessary.

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 2016-03-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I have a card issued by Macy 's department store. I do n't often use the card but when I do, I pay off the balance in full. I had not used the card since XXXX, but I received a bill for XXXX demanding payment of a " fee '' of {$2.00}. I called customer service, and the representative was unable to explain what this was about, then the call was abruptly terminated. I then used Macy 's online communications form ( which, by the bye, will not accept any message that includes any form of punctuation, including periods ). I said I would not pay this fee, and demanded that they close my account. I received an email acknowledgement of my complaint, but nothing since. A {$2.00} fee for not using their card is beyond outrageous. And they will charge me a {$37.00} late fee if I do n't pay 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 2016-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I met the qualifications for Citigold Checking 's Promotion for XXXX XXXX XXXX XXXX ( Promo XXXX ) on XXXX XXXX, 2016. This information was confirmed via letter XXXX sent from Citibank on XXXX XXXX, 2016. In the letter it states " allow 90 days from the date of the qualifying transaction ( s ), which satisfied the terms and conditions, to receive your incentive. '' It has now passed 90 days, and there are still no XXXX XXXX miles deposited into my account. I have called Citigold 's customer service team on various occasions to follow up on this promotion, but unfortunately no compensation for receiving the promotion has been given. While I tried to work with Citigold 's customer service team to resolve this issue, I am now resulting to filing a claim over 100 days after meeting the promotion requirements. Thank you for taking the time to review this 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 non-monetary relief
Consumer complaint received 2015-06-25 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.

Complaint narrative:
I am a self-employed American citizen who has been living abroad for 26 years. I have owned properties in the XXXX, XXXX and XXXX and have good credit ( took a mortgage for 19 years ). I now plan to move XXXX and pursue my work there. I applied for an XXXX XXXX XXXX/Citibank card but was denied the card because I have no credit history. They also refused to allow my sister ( who has good credit ) to cosign on a card. I tried then to get a simple credit card from XXXX ( where I have maintained a checking account for many years ). They also denied me a credit card. This is simply unacceptable that I am not being given a chance to start my life with simple financial products as a healthy XXXX year old. Because of this bad credit score, it is making it difficult to even take a lease on a property without a guarantor or full payment upfront.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS has taken advantage of us twice. We are 3-4 months behind on payments because they messed up on a MOD that they will not correct. I have written a letter to XXXX XXXX today letting him know we want help.We just want them to correct their mistake and catch up out payments. They raised our interest rate 1.5 % in a new MOD. We didnt find that out until we made our trial payments. When we complained we went into review. Nobody told us to make payment while in review. Long story short if they would listen to their recorded calls theyd know they caused this. We 've been taken advantage of enough! Im tired of trying to catch these payments up with NO help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I had a card with citi closed acct to open a citi rewards acct, had issues when trying to use card got so upset I cancelled and paid off. A XXXX card was opened ( not by me ) and I refuse to pay something not mine. Citi sent me a letter, when I wanted proof of card and charges, telling me it was personal and confidential information. They sent a piece of psper also that was suppose to be an online conversation between me and them that states I have an XXXX ( which I do n't ) and that I was verbal ( which I was n't ) the conversation does n't even have an origination, ( from an email, phone etc ). How can they tell me it is personal and confidential if it concerns me???? I furnished info via mail to credit bureaus XXXX deleted it, XXXX is still investigating, and XXXX said they updated but it is still there and nothing has changed, it is not mine, I want it removed. I have sent XXXX certified letters to citi for proof of debt and I get nothing, I paid anything I owed citi and I want them to remove this XXXX fraudulent account. I ca n't upload anything but whatever you require by mail I will send.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Received XXXX Mortgage statement from Chase and saw that they charged my escrow account {$1000.00} on XX/XX/XXXX for XXXX insurance. I have the required building and hazard insurance, as well as my owner 's policy. I never signed up for XXXX insurance, was never notified I needed it, and certainly never authorized Chase to charge my escrow account for it. I contacted Chase customer service at XXXX and they spoke to their insurance department at XXXX XXXX. They agreed I did not need the insurance and said they would remove. They provided confirmation # XXXX and said I would receive written confirmation in the mail. I never received and then received an escrow analysis that my monthly payment would be increasing on XX/XX/XXXX to cover the XXXX insurance. I contacted Chase again on XXXX and they said it was still pending, but that they updated the pending status and that my escrow account should be credited within a few days and that I should call back to order another escrow analysis, which will correct my payment. I contacted Chase again on XXXX and the credit was still not provided and they hung up on me. How many people are they doing this to? They had no authorization whatsoever to charge me for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Brooks Brothers Credit Card, which I believe is currently issued and serviced by Citi Group, has incorrectly reported a negative remark and has not taken actions as promised by its representatives. It is my understanding that the Citi Group has acquired or taken over Brooks Brothers Credit Card accounts from its previous servicer sometime in the XX/XX/2015, XXXX or XXXX. 

Unfortunately and in fact, ever since the account transfer to the Citi Group ( which I did not know that it did ), I did not receive any correspondence including but not limited to billing statements, emails, and a new card. My log-in did not work with the site and I had no reasonable ways to contact the credit card servicer during my business trip in XXXX. Thus, when I came back I immediately called the Citi Group after finding out that the Citi Group acquired my account. When I spoke with the representative, the person completely acknowledged the mistakes and faults of the Citi Group for failing to deliver necessaries to my attention and then refunded me a late fee with assurance that I would not get any negative remarks from this. After getting my late fees removed, I called back to make sure that I would not get any negative remarks on my credit report and at then, other representative also assured that I would be fine and without any delinquency/late and/or other negative remarks. 

However, several weeks later I was able to locate that there was a negative remark stating that I was 30 days late. I called back to confront the issues and ever since then, the Citi Group has changed its words and is now saying that the reporting is valid. Even some of their representatives are urging me to write and report what I have experienced. The Citi Group has dropped the ball and they should be responsible in fixing the issue. The Citi Group is acting in deception and fraud as they are not abiding by what their representatives have assured and guaranteed. 

Furthermore, I believe one of the main issues here is that when the transfer or acquisition was made by the Citi Group, they did n't notify their customers properly. Therefore, it is my belief that some account holders actually were confused and did n't know about the acquisition. Moreover, it would be extremely prejudicial for an account holder who NEVER had any late or otherwise negative remarks on his account ( account holder for almost 10 years ) to be penalized when it was clearly a banking error done by the Citi Group.

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 2015-12-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
My CitiBusiness credit card had a transaction of {$100.00} charged to it on XXXX/XXXX/2015 from XXXX. I did not authorize this charge, nor did I knowingly or willingly purchase the goods in question for the charge made to my account on XXXX/XXXX/2015. My employment at the business for which the card was used ended on XXXX/XXXX/2015. 

The last transactions that I authorized and purchased were paid in full in XXXX 2015, with no further transactions being made or authorized by myself from that point on. 

I was unaware of this charge made on XXXX/XXXX/2015 until I received a physical letter in the mail from CitiBank on XXXX/XXXX/2015. I immediately contacted CitiBank on XXXX/XXXX/2015 as soon as I was aware of the charge and the ongoing situation with my account. 

After my first conversation with CitiBank on XXXX/XXXX/2015, it was suggested by CitiBank that I contact XXXX about the charge. I contacted XXXX immediately and their response was that the charge could not be refunded unless the request came within 30 days of the purchase. 

I did not personally make or approve the charge made to my account on XXXX/XXXX/2015, nor was I aware of it until XXXX/XXXX/2015, and I have not and will never receive any product or service from XXXX for this charge. 

CitiBank responded to my billing dispute by stating that my dispute was not made within 60 days so they declined my dispute. They did not offer any acknowledgement of how I was supposed to submit a dispute within 60 days for a transaction that I did not make or authorize, or was even aware of until XXXX/XXXX/2015. 

CitiBank has closed my account and sent the balance due to a collection agency, XXXX XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: SFS, Inc
State: NC

Complaint narrative:
Everytime they debited my bank account it was for more money than they were to get.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed