vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank took over the accounts for XXXX from XXXX. When doing so, our XXXX number was not carried forward to the Citibank account. When payments were attempted to XXXX, they were returned. Citibank imposed late charges and finance fees in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The first notice that we received of a payment address for Citibank was in XX/XX/XXXX, upon which we came current on our account. However, Citibank is not refunding all late payments and finance charges accrued during the XXXX month period.

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 2015-11-07 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Citibank Checking/Savings account. On XXXX/XXXX/15, I deposited a check which subsequently bounced. I was charged XXXX dollars due to the checking account that was providing the source of funds having insufficient funds. I believe that this unfair and fraudulent ; since, I am unaware of whether the check I received will clear or not. Being the recipient, I should not be held responsible for the failure of another person 's mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX XXXX, 2015, I opened a Citigold checking account with an offer that stated I would receive XXXX XXXX miles ( worth approximately {$500.00} ) after meeting certain criteria. I then met those criteria and confirmed with a Citi representative via secure message. I was told to expect the XXXX XXXX XXXX miles by the end of XXXX. During this time I was charged three monthly service charges of {$30.00} each. Now after confirming the promotion was applied to my account, confirming that I had met the requirements for the promotion, and confirming they would be depositing the miles, Citi is changing their mind. They have decided to investigate if I was targeted for the promotion. I have waited over three weeks to hear about the investigation but they have not contacted me. Over the past six months, Citi never said anything about needing to be targeted for the promotion. I have {$90.00} in fees which will continue monthly during their investigation, and I do not have the XXXX XXXX miles that they confirmed I would receive. It 's not right. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope Citibank will honor the promotion they already told me I qualified for.

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: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi mortgage had a modification package as of XXXX see attachment. 
The sale date was set for XXXX. Never once did Citi reach out stating information was needed/missing. Our office has called in for the last 3 weeks. NO ONE contacted the homeowner regarding missing documents. 
There has been a consistent issue with authorization even though XXXX was sent XXXX and XXXX verbals good for 6 months were issued by the homeowner. 
Friday XXXX XXXX failed to mention documents were needed. 
XXXX supervisor XXXX XXXX reviewed the file and stated we should have been made aware info was needed. 
The XXXX never contacted our office until XXXX even though previous emails were sent to him. On XXXX he emailed and stated the sale date for XXXX would not be postponed as it is to close to the sale date. The file HAD BEEN WITH THE UNDERWRITER. Please see attached email. 
It is very apparent CITI has neglected this file. The employees are very incompetent as well as negligent. We are DEMANDING that the sale date be postponed so the file can be properly reviewed

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 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have requested a loan Modification from Citimortage Acct # XXXX I work full time at XXXX. My Husband is extremely XXXX and on SS Benefits XXXX XXXX at Citimortage has falsified that I have communicated with him. We are delinquent on the Mortgage - having to leave work to take my husband to the Dr XXXX 
Good afternoon XXXX, Thank you for taking the time to call me back during your lunch to go over your options. As we discussed over the phone, we can review again to see if you may qualify for a Modification to your existing home Mortgage loan. In order to do so, we will need to update several items. Most of what you sent in has expired, as they were sent to us in XXXX, and they have a 90 day shelf life. Please provide the following:

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received a foreclosure notice in XXXX, 2016 which sparked an investigation on. Y part. They do not have. Y financial history up to do and they are constantly sending me foreclosure notices. I have contacted Citimortgage and faxed all documentation and no one will call or work with me, they just keep sending me foreclosure notices. I now need a higher power to intervene and help me fix this issue.

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 2016-04-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have been a cardholder since 2011. I have a {$2000.00} credit limit, recently I 've had a balance of around {$700.00} because I just recently moved, bought home stuff, and switched jobs. This month, I never received my statement online but had contacted them on XXXX to make arrangements, as I was unable to make my payment due to health issues and recent difficulties. My payment was due on XXXX XXXX, I called and spoke to a representative on the XXXX. I said I was not able to make my payment until XXXX XXXX. He said he would keep my account on his " personal queue '' to ensure I did not receive a late fee, and that no damage would occur to my credit as I had called to make previous arrangements. He was professional, curt, and empathetic. Cut to today, XXXX XXXX, I received next months statement with a {$27.00} late fee and a notification that my credit limit was being cut to {$800.00} - a {$1200.00} decrease! I spoke to a supervisor who said she could not do anything to restore my credit balance or waive my late fees in full, she could only waive half of them, as I have had a late payment in the past. I reminded the supervisor that the credit limit decrease would DESTROY my credit score, and she said it was not her issue, as it was a decision based on my late payment and my credit history. I got onto my CreditKarma and my credit score had went down XXXX points on XXXX XXXX due to an increase in credit utilization, because i lost {$1200.00} in credit limit! I was on the phone with them for 57 minutes while they ping ponged me around. Yes, it is your issue. I 've been a loyal customer for the last 5 years, I 've sworn by their services and you just lost that. Awful customer service, no one can speak good XXXX, no one cares about promises that their representatives make, and they obviously do not care about their customers.

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 2015-07-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Murrell Law, LLC
State: FL

Complaint narrative:
Last fall the XXXX XXXX XXXX ( XXXX ) and the law firm of XXXX requested that my wife and I execute a written joinder and consent form that would help the ( XXXX ) revitalize their governing documents that had been extinguished by the state of Florida. We executed those documents and forwarded them to the XXXX team for their inclusion in the total package to be forwarded to the Florida Department of Economic Opportunity ( DEO ) for their review and acceptance. Upon receipt of the revitalized XXXX amendment to the Covenant/Restrictions I found that my assessment level was set on pg XXXX at $ XXXX/month and that is what I have been forwarding to the XXXX XXXX. If the XXXX can provide me with documentation that requires me to pay a different amount of assessment than what the revitalized documents spell out and what I signed off for I will be happy to review it and proceed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Pulled credit report without permission,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I contacted Citibank about a balance transfer issue and complained about the length of time it was taking to post my transfer. They said because it was a new card it could take 14 days. However, I reasoned, that because they had just " borrowed '' from my credit limit from another Citi account, it essentially was not a new card, they basically split XXXX account into XXXX. Meanwhile, this is costing me interest with the account that I am trying to transfer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 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:
I am applying for a mortgage and was getting a pre approval when my loan officer told me I had a collections debt from XXXX still on my credit report from 2010. First of all, that debt was my father 's not mine but they attached it to my name and it affected my credit in XXXX when I was applying for a mortgage the first time. I went with my father personally to the place and paid that debt for him in order to get it taken off of my credit history. Now again, it 's still on my history after settling and paying the debt of {$2200.00}. I need to get this removed because it is lowering my credit score. I have to paperwork dated XXXX XXXX 2010 to prove it. There is also a pending class action law suit vs. XXXX collections agency that I an a part of. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I have established credit with Macys since 2009. My credit limit was {$2600.00} and rarely did I ever spend more than {$500.00} in any given month, nor do I use the card monthly, nor did I use it at any other store but Macys. Yet. on XXXX XXXX, Macys allowed a woman to call up their customer service from XXXX, and in XXXX call raise my credit limit to {$16000.00}, change my address, change my email ( since when do emails change too. ), my phone number and the overnighted a card to her in XXXX to begin using, which she did. On Friday, XXXX XXXX Macys called me to tell me that someone had ATTEMPTED to change my address but because they were unable to answer the security questions it DID NOT HAPPEN and they were just notifying me that she did have my name, date of birth and the last XXXX digits of my soc. sec. # as a courtesy. She also gave me the address that my card was changed to in XXXX. Because it appeared my information had been compromised, I filed a police report. The police officer had additional questions and requested that I call Macys back to get these answers. At the time I learned the whole truth. At the time I was given a verbal list of both attempted purchases with my credit and purchases that went through. The police officer told me that to catch the person a list of all attempted purchases and their locations would help. I called Macys back and they refused to give me the attempted purchases or the locations of any additional purchases. As it stands I only have XXXX locations, and the police were able to recover video of my card being used but it was inconclusive so to have the additional locations would aid in catching these criminals. Macys told me that the police officer could request this, so she did and Macys still denied her request and provided no new locations. I contacted Macys corporate office requesting an explanation as to how this happened in the first place, why I was lied to and a full list of all attempted charges and the locations. XXXX XXXX assured me this would happen and I have yet to hear back from her as well. Macys not only gave away my credit, but lied to me and now continues to impede a police investigation where time of essence. I have yet to receive any list of any charges with locations in writing, I was told I have XXXX accounts open with Macys but Ihave no information about those accounts which I want closed and all my information deleted from their system. Macys credit is apparently managed by Department Stores National Bank and affilated with Citibank even though the card is a Macys AMEX, makes no sense to me accept to allow this to happen and pass the buck.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My credit card was canceled and all my XXXX points got forfeited. I earned the points through more than 3 years business with CitiBank and I was saving them for my next family vacation.

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 2016-01-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
In XXXX XXXX, I spoke to Macy 's Customer Service about a {$25.00} fee on my account. They agreed to remove the fee and I paid my remaining account balance off in-full. However, Macy 's never removed the {$25.00} fee and each month additional fees were added to my account without my knowledge. ( Since I did n't make anymore purchases, and knew I paid my account off in-full, I considered the in-coming statements junk mail. ) Then, at the end of XXXX, I started getting calls from Macy 's collection department. I explained the situation several times, but continued to receive XXXX to XXXX calls a day to collect the alleged {$96.00} past due balance. In XXXX, I brought all my statements into my local Macy 's department store, but found out they no longer have Customer Service representatives in the store -- they referred me to their CS telephone and I again waited XXXX minutes to speak to someone and got nowhere. 

After complaining to the XXXX XXXX in the store 's employment office, she call Macy 's Special Collection Department and got them to remove all fees -- bringing my account to a zero balance. She asked if I could get confirmation of the adjustment, but was told, " No, it would be seen on my account. '' Now, it is XXXX XXXX, XXXX, and I already received a phone call from Macy 's Collection at XXXX this morning. Half the time when I answer the phone no one is on the other end to talk to me. Other times, I get a person and have to argue with them for several minutes in order to get them to read the notes on my account -- after which they come back on the line, confirm I have a XXXX balance, and apologize the phone call -- but the CALLS KEEP COMING!!! 

At this point, I feel I am being harassed in my own home for a debt I do not owe! I have asked them to stop calling ; and, I have written to Macy 's on-line Customer Service several times to complain, but they continue to send back the same response in which they refer me back to the collections department. I have even asked that my account be closed -- but I get nowhere! 

This situation is driving my whole family crazy! I really feel like the only way to get Macy 's Collection Department to stop calling is to pay the {$96.00}, but I refuse to do that because the entire balance represents fees on top of fee that I was told would be removed from my account -- not merchandise! 

Please help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have used the Macy 's card on my account for XX/XX/XXXX and XX/XX/XXXX to pay for some things at the Macy 's store in XXXX MA. However, today is XX/XX/XXXX and I only learned that my account was overdue 2 weeks ago when they phone called me to notify me. They have added XXXX late fees on my account already XXXX of {$39.00} and XXXX more of {$29.00} dollars without warning me ahead of time. I was expecting their mail statement but they have never sent me XXXX until I requested the person that phone called me XXXX weeks ago to do so. On XXXX XXXX I spoke with XXXX XXXX ( Manager ) at the collection department who was very rude and verbalized to me that I used their card and that I do n't want to pay now. No need to mention that I felt so offended With her statement. Nevertheless, I asked XXXX to waive the late fees since it was their fault for not mailing a statement to me before but she stated that I was supposed to call them and ask about my bill and that they have no obligation to mail me anything. I friendly verbalized to XXXX that I would not know how often they generate their statement and for that reason I would not call as it has only been 2 months and considering the fact that every company generate their statement differently. Some generates it every month, others every3 months, etc.. XXXX XXXX my argument irrelevant and stated she is not going to waive anything for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Please refer to my first complaint ; Case XXXX. XXXX filed on XXXX/XXXX/2016. The nature of that complaint was against CitiBank , N.A . Briefly, XXXX changed from XXXX XXXX cards to Citibank cards. I did not want a Citibank card and advised them by phone in XXXX, 2016. Their binding agreement stated that " Even if you do n't use your card, this agreement will take effect, unless you contact us within 30 days of receiving this notice. '' There was no date on the notice, but I did receive it in XXXX 2016. I called Citibank immediately upon receiving the notice, and told them not to send a card. They sent XXXX anyway. I called Citibank and told them I did not want a card and to cancel any account. THEY REFUSED! I subsequently filed a complaint with CFPB on XXXX/XXXX/2016. 
On XXXX XXXX, 2016 I received a letter from Citibank, XXXX XXXX, XXXX Response Unit, XXXX, advising me that my name and address was removed from their solicitation lists. On XXXX XXXX, 2016, I received another notice from Citibank that a new Citibank credit card was on its way. On XXXX XXXX, 2016, I got another Citibank ( same as the first XXXX ) in the mail, urging me to activate it immediately. 
Apparently, Citibank believes that they can bully the public, and create an account using their credit card, whether they want XXXX or not. Moreover, XXXX XXXX XXXX lied in her response letter to me and to CFPB by telling us that my name and address was removed from their data base. I am aware that Citibank paid a settlement to the Federal Government of XXXX XXXX dollars for Mortgage Loan Fraud. This is indicative of their Fraudulent and Unscrupulous business practices. Now it appears they have branched out into creating unwanted accounts and refuse to delete these accounts from their database. 
I am a mother of XXXX teenage girls, I work full time to support them. I do not have time to be constantly respond to being pestered into having accounts I do n't want ; only to be refused upon request to delete such 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 2015-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am in the process of foreclosure with Citi Mortgage. They offered me {$5000.00} cash for keys with a sale date of XXXX XXXX, with the agreement that they would review in good faith my loan modification application. I made Citi a settlement offer on XXXX XXXX but to this date have not received a reply On XXXX XXXX Citi had the locks to my house glued shut. I have made multiple phone calls and sent several emails to both Citi and the attorney for Citi, XXXX XXXX XXXX XXXX XXXX XXXX, FL looking for answers on why my locks were glued shut. Citi does n't even have me on their system anymore. When I call, they are unable to access my loan with my loan number or SSN. It is like I do n't exist. The only reply I received was from an associate at XXXX XXXX XXXX saying that my doors had probably been glued shut by the first mortgage company. I have NO first mortgage company. Citi is the only bank with a mortgage on my property. I believe they are doing this to prevent me from going into my house and fulfill my agreement with them, which would relieve them from paying the {$5000.00} cash for keys. Perhaps this is a strategy to harass me into walking away from my house.

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