vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had to short sale my home which involved a XXXX mortgage and a XXXX mortgage. The sale finalized on XXXX 2011. The XXXX mortgage shows the loan paid and cleared on my credit report as of XXXX 2011. Citibank, who held the XXXX mortgage, is still showing the XXXX mortgage as currently late on my credit report. I have spoken to Citibank and have sent them THEIR paperwork that shows they accepted payment but I have only received a letter back from them asking that they can not do further research until I pull my credit and give them a detailed explanation. I have spoken to XXXX representatives who have told me they will take care of this and still I am waiting. I need this cleared so I can complete the purchase on my new home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
CitiBank closed my credit card saying that they have the right to do so without any reason. When they closed my account i have a credit balance with them of {$5300.00}. I have called them on XXXX XXXX, 2015 to direct deposit and have followed up almost everyday. They said it would only take 2 to 3 business days. 
I understand they might have issue of proving if my payment is valid and it might bounce back. I have no other way to get the my money by using my account cause it is closed. All i ask is for them to send me back my money. I am attaching the receipt of payments i did from XXXX using check free pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I bought a TV from Best Buy in XXXX of 2013. I spent about {$2000.00} on it and charged it to my Best Buy Credit Card under a 3 year no-interest promo. I set up automatic payments for {$60.00}. XXXX so I figured that it would be payed off in plenty of time. Originally the credit card was a best buy credit card with XXXX but a few months after i set this up, they switched over to XXXX XXXX. I had to set up my auto pay all over again when this happened because i missed a few months of payments thinking that they were auto charging. I caught up with my payments again until they switched once again to another company- Citibank XXXX I had to catch up on my payments again and set up auto pay again. My payments continued to come out every month until XXXX of XXXX when there was another issue with my automatic payments. I set those up again and by XXXX My balance was only about {$110.00}. I was going to just call and pay it off but I did n't because I figured that the automatic payments would take care of it. I even called them and confirmed that they were set up so that I could make sure that it would be payed off. They reassured me that I was on track so I just allowed the automatic payments to come off. I checked a few months after this because I noticed that they were still taking the automatic payments off from XXXX. I checked my account only to find that there was a {$1200.00} interest charge applied to my account. What happened was that I bought something on my Best Buy card between when I last talked to them and XXXX. They applied my automatic payment to the new purchase that I made, defaulting my original balance to go over the 36 month interest free period. This is the most fraudulent, dishonest thing I have ever experienced from a credit card company or any company for that matter. I have talked to them multiple times and they will not budge. I am going to file a small claims suit against them this week and I would like to also file a complaint with this bureau. Thank you for your time! 

XXXX 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 2015-08-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I borrowed in 2005 from a private lender in XXXX Az the sum of {$15000.00} the lowest they would lend and got {$12000.00} after deductions of the financing from the personal lender. Some years later I married and my husband and I needed cash, It was XXXX neither of us were working and he wanted to relocate to a job in XXXX alone, to work as a partner in a XXXX. I married him to care for his daughter who had XXXX. The marriage was for the advantage of placing her a few days a week in a XXXX school. Me being her step mom would be easier, we thought. Any how the man was a close childhood friend. We went to a finace company to get a l loan on his truck, and spoke to the financer of my personal loan which was approved with my free and clear house deed, and i owed {$10000.00} We told them he was working and they said they could get the deed from the lender then add {$8000.00} and wallah, we did. I think that this company did something wrong like not subtracting the truck and just using my deed. My husband left to XXXX abandonded me aand the debt that he was part of and i struggled for a few years to pay with no husband to help. My house in in forecloure, they once said it was written off, but XXXX peopla a woman who used different names a man who was using diferent names also. My house was suppose to be auctioned off XXXX times but was poseponed. And now they said my house was sold, they offered a settlement but said 3 to 6 months for my deed. i dont know if my XXXX boys my XXXX year old mom and myself are gon na be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I applied for a Citi Bank/Costco card and received XXXX in XX/XX/2016. The card was activated and used in XXXX. I received a telephone call that I was overdue in the middle of XX/XX/XXXX for a payment, I told them that I had not received a bill. They said that I was paperless ( I did not choose that option, nor would ever choose that option ) and my bill was being deducted from an account. I asked what account and was told that I had n't set that up yet. I explained that I did n't want to be paperless, nor did I want to have an automatic withdrawal from my account. I was told they could not e-mail me a bill, but they could fax me a bill, but it would take XXXX hours. No fax ever came in. I was called again this past Sunday XXXX XX/XX/XXXX ) and told that I had to make a payment on the card or would be billed for interest + a late fee. Again I told them I had not yet received a bill and was told that they showed that a bill was sent out on XX/XX/XXXX and it could take XXXX days to receive it. They never indicated that I had been sent a fax. Again the pressure to set up an automatic bill paying account - which again I refused. I asked to speak to a supervisor and spoke with " XXXX '' employ # XXXX. He also demanded payment and said they would XXXX a late fee and interest that day if the account was not paid in full. Even though I still have never received a bill ( either by fax or through the mail ). I paid my account in full by giving him my routing # off of my checking account and asked him to close my account. What is so frustrating is that I still have n't received a copy of my bill, I am not sure the charges are correct, I have paid the account off ( {$4400.00} ) but have no way of knowing if those are the correct charges or if I have been charged late fees, interest, etc. I checked the mail yesterday XXXX XXXX ) and still have n't received a copy of my bill and they still have n't faxed anything to my fax machine. Again during my phone discussion there was the pressure to set up my account in an auto pay mode - which I adamantly refused to do! Can a credit card company refuse to supply the bill and yet demand payment? I ca n't dispute any charges since I have never seen my bill.

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 2016-04-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a XXXX XXXX credit card that I suspected was being used by a family member without my permission. I called XXXX XXXX and asked if they could put a block on the credit card and a password so that it could not be used for future charges. I also requested a password be put on the account and that the block not be removed by me without written consent by me. They agreed to do this for me. I paid the credit card off in full. 

A few months passed and I got a bill from XXXX XXXX for about {$1700.00}. There were many charges for gift cards made on the card. I called to report and told they would investigate. After many phone calls and other correspondence with XXXX who is responsible for XXXX XXXX credit, I was told that only if I agreed to prosecute the person responsible for making the charges would I not be responsible for the charges. I did not want to prosecute or be involved in prosecution. I asked why the block was removed. I was told that I had called and removed the block from the phone number on my account. I have a letter from them in writing to verify this. I did pay the account. I did not remember making any such phone call. I am XXXX and thought maybe I was forgetting but just could not believe I would do such a thing. They refused to let me hear the recording of the conversation but the person I spoke with assured me that she had heard the recording and indeed it was my voice. 
Later, I decided to call my telephone company and see if I could get a list of all phone number made on the date I was suppose to have made that call. I have a list of those numbers and no such phone call was made. The people at XXXX just lied to me. I did not make the call! Is there anything I can do at this point? People beware of this credit card company! 
I have documented proof of their unethical practices and lies!

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 2016-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Media Collections, Inc
State: VT

Complaint narrative:
I received a call where I work from someone looking for the owner of the business. His name is XXXX XXXX. He indicated that he was following up on a Workers Comp. Audit. 

He asked who would be responsible for that and I gave him the name of our General XXXX. He then asked for contact information for the GM, specifically his email. Then he indicated that he wanted to speak with accounts receivables. 

At this point he did identify the company he works for, Joseph , Mann & Creed. I then asked him if he was a debt collector and he said that he was. 

According to the FTC website, debt collectors need to identify themselves as such. It seemed XXXX XXXX was intimating that he was representing Worker Comp. at first. 

When our call was concluded I called Joseph , Mann & Creed to speak with one of the partners in this firm, only to be told firmly that " they are all gone for the day '' All I wanted to do was make them aware that their employee had been somewhat 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 2017-01-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank heavily advertised a promotion last year by which, if you opened a Citibank checking account and deposited {$15000.00} in new funds ( money not already in a Citibank account ), after XXXX days you would earn a {$400.00} bonus. The bank said the money would be deposited into your account within XXXX days after you satisfied the terms of the offer. So I opened a Citibank checking account, transferred {$15000.00} into it XX/XX/2016, and waited XXXX days plus XXXX days to receive my {$400.00} bonus, which was due XX/XX/2016. It never arrived, despite multiple calls to Citibank, where at least XXXX different representatives have confirmed I am owed this money. They have also informed me : 1 ) An " investigation has been launched '' within Citibank ( presumably to get to the bottom of why the bank is not paying its customers the promised {$400.00} -- thereby tying up our money MONTHS longer than we expected. ) 2 ) Each rep I spoke to " contacted the back office '' to see if they could expedite my {$400.00} payment ... but alas, they could not! But rest assured, Citibank is continuing to investigate itself to get to the bottom of this! What a relief. 
3. I " am not the only customer complaining. '' Yeah, I 'll bet I 'm not. Citibank heavily promoted this offer -- I could n't even log in without seeing this full page {$400.00} offer. And now they 're running an ad for a {$500.00} offer if you open a new savings account. Whoooooooo ... sign me 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 explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After receiving a letter from CITI indicating that my credit limit was decreased, I decided to call the XXXX number provided in the letter to discuss the information contained therein. The XXXX time I called, I spoke to representative XXXX. Right off the bat I was given the impression that customer service is n't top priority for their service department as she refused to pronounce my name indicating it was too hard. Shortly thereafter I explained to her the sequence of events that took place and was instructed to hold while servicing notes were being reviewed. Once reviewed, the rep apologized and gave me the option to have my credit limit reinstated, but my cash advance amount to remain at zero. I was told by the rep that this was company policy. I proceeded to explain my anguish with a company policy that penalizes customers for technical issues and requested to speak with a manager/supervisor. I was placed on hold numerous times and waited roughly XXXX minutes before the same rep came back to inform me of how nobody was available to assist me at this time. I refused to leave my call back number and demanded to speak with a supervisor immediately. I tried explaining my discontent with the process at which time I was told that CITI is in fact a big company with a lot going on, insinuating that I should be more patient. At this point I lost all faith with the rep in question and decided to hang up and try back again, hoping to get another rep with a better skill set and stronger ability to perform his/her duties. Unfortunately again I came across the same scenario. At this point I notified the rep that I would be contacting CFPB with the aforementioned information. Here i am.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
OCWEN Loan Servicing has marked my account as well as my wife 's account with all XXXX credit bureaus as a foreclosure. The house legally was sold to XXXX & XXXX by me and my wife XXXX through a professional licensed Realtor. The mortgage was paid in full at the time of closing. The account should just show as a normal account paid in full and closed. This derogatory condition on the account is preventing my wife and I from seeking a fair car loan. I filed a complaint with OCWEN almost 20 days ago at which time they told me I would hear something back from them within 10 days. 
Property description below. 
*Legal Description : XXXX *Property Address : XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an Best Buy Citi XXXX card in XXXX XXXX, 2016 with the understanding that I had a 0 % promotional balance for 12 months. I was keeping a balance on the card because of the promotional rate and used the card to buy a computer from Best Buy. 
A few months later I used the card at a non-Best Buy store. 
I received a bill after that which charged me interest. 
I called the company wondering about why I was being charged interest and they told me it was from the non-Best Buy purchase. 
I told them that I was never told that other purchases would end up getting an interest charge. 
I paid the other purchases off with {$700.00}. which I was told more than covered the amount. I confirmed with them that I would not be charged additional interest after that because I wanted to make sure that the next bill would not have interest on it. 
I just received the new bill and they charged interest on it. When I called Best Buy Citi Visa, they told me they could not remove the interest. I escalated it, and still nothing could be done. I asked for any surveys to give feedback, and there was none. I asked to escalate further, and there was no one. I was so frustrated with the customer service, marketing, and communication that I closed the card immediately because I could not trust it. When I closed it, it was the same person, so there were no checks and balances to allow me to give feedback. I have felt very mislead about how the card is being represented and am very concerned about the internal process surrounding Best Buy Credit Services. It appears to be to purposely misleading about the interest rate conditions and fees so that we will be forced to pay the interest if we keep the card. I will not trust Best Buy and it 's partnership with Citi after this experience. I am also very weary of any Citi cards from this point on.

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 2016-11-03 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
my company is apart of my bankruptcy case that was filed in 2012 but are still reporting the account as a negative item with the credit bureaus each and every month.

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 2015-03-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.

Complaint narrative:
I am living in XXXX. My Citi bank credit card # XXXX has been blocked on XXXX XXXX 2015 without any proper notification. They have automatically cancelled my XXXX and charged some closer amount also for that. I called the customer care and raised a complaint and they told me this was happening due to the lack of XXXX document. They want me to provide the same and as per their communication XXXX of their representative will come and collect the same from myself. They have filed a complaint but did n't take any action yet. I called them for about more than XXXX times and none of them come to me to collect the XXXX document. I also went to their XXXX of the branch located in XXXX and produced the same. But still my card not got released and I did n't get any status update from them. I also payed for the money ( XXXX ) what I used for that particular month before the actual due date. I was using this card for more than XXXX months and I do n't know how can they allow me to use the card without proper XXXX document for more than XXXX months. I want to take necessary action on this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I registered for Macy 's Citibank card in XXXX and made the purchase and also paid the due in full in the month of XXXX XXXX but it seems Citibank reported that balance is still due and reported it to my Credit report. I never received any mail or email stating that there is due on my Macy 's citibank card and finally it went to Charge-off. I got to know about this when i applied for a loan in XXXX. Then i called Macy 's for clarification but Macy 's creditcard staff was so rude and told me this account is closed and we do n't know anything about this and gave me debt collectors number and asked me to call them. When i called collection agency they simply said that you have {$250.00} due but we do n't have any other information. Neither Macy 's nor collection agency is telling me anything about these charges even though i have paid the bill in full. It has ruined my credit score. Macy 's staff should be able to tell me about this charge as when it was made and why my bill is not showing as paid. I even got my historical statement from my Bank which clearly shows that i have paid the Macy 's credit card. All i need is the information as why this due is present on my card and why i was not being informed about it until it was sent to collection agency. Any help regarding this would be very much appreciated. I 'm even willing to pay this back ( even i have paid the bill, still ) but i need someone to ensure me that it will be deleted from credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief