vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I currently have an outstanding student loan with Citibank. In XXXX 2014, I spent time reviewing my account online in search of a method to increase the auto-debit from the minimum payment to a higher amount, like banks allow you to for credit card payments. I could not find this functionality and so I called the customer service line to inquire how to do so. The customer service representative advised accountholders could not do that on their own, but the customer service representatives could at our request. Therefore, I requested the amount to be withdrawn each month be {$150.00} and the additional $ XXXX be applied to my principal. The representative had me wait on the line a couple of minutes as they executed the request, advising they could n't withdraw an even {$150.00}, but it would be a mere few cents over. Confused, I asked why and they advised it 's just how their system is. I advised that although weird, that it was fine as long as the extra was applied to principal. They then confirmed everything had been taken care of. However, now I have heard from some that many loan providers incorrectly modified the loan schedule for the higher payment, instead of keeping it the same and just adding the extra payment amount to principal - which could qualify as a UDAAP violation. Additionally, that the incorrect loan information ( including minimum payments ) is being provided to the credit bureaus - which is a FCRA violation. I called into Citibank last week to ask whether this was the case - changing the loan schedules vs. applying the extra amount to principal - and their people even confirmed it! They advised there is no way for them to increase the amount withdrawn each month except in doing this, but that I should have been advised. I asked how has this affected the interest I have paid, and they are claiming there is supposedly no impact, but that makes no sense. Please 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 explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: 24 Asset Management Corp
State: IL

Complaint narrative:
I received a phone call today from a man at area code XXXX XXXX XXXX XXXX XXXX. He was calling to tell me that he works for a company ( 24 asset management ) that purchased a past debt of mine, a XXXX mortgage loan from 2001. He also stated that he had previously sent an offer settlement to me to clear this debt from almost XXXX years ago. Which I have never received. He was very disrespectful on the phone and is breaking the law of the state of Illinois. This debt is far past the legal right he has to call me per the statute of Limitations.

Company response to consumer: Closed
Consumer complaint received 2015-10-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I used Citibanks online payment system to make a payment for {$20.00} and they drafted {$1500.00} from my bank account without my authorization which i am currently filing fraud charges through my bank against citibank to reverse this fraudulent payment and get my money back. In addition he company will not allow me to take any forebearance which i have requested 4 times due to medical billing. Also the company will not allow me to adjust my payments in any way which will ultimately lead me to have to default on this loan. Also my bank revoked the authorization for the payment for {$1500.00} that citi bank attempted to steal from me that was not authorized. I also did not appreciate XXXX at the presidents office for student loans for Citibank tellime that that them steling my money was my fault and they did no plan on returning my stolen money.

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: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This is a follow-up to a previous complain that I have filed. [ Case number : XXXX ] I have been working with my financial institution ( Citibank ) on this issue continuously since my previous complaint. 
Previously, Citibank advised, " On XXXX XXXX, 2016, we received notification from XXXX that on XXXX XXXX, 2016 your wire transfer was processed in accordance with your instructions and that the beneficiary 's account was credited. '' This is NOT Accurate. The funds were sent to a Different Account and in a Different Currency from my Instructions. I have attached documentation that demonstrates that my instructions were not followed. 
I directed the funds to be deposited into account # XXXX. However the funds were deposited into account # XXXX. This is inconsistent with my instructions and the Wrong Account. The last XXXX digits of the account specify the currency ( XXXX is a XXXX XXXX account and XXXX is a local currency account ). 
I have attached a copy of my Bank Wire Instruction with the designated account highlighted along with a copy of a statement showing that the funds were deposited into the incorrect account. 
I have provided the documentation to Citibank but they have failed to rectify the issue. 
I am seeking Citibank to comply with my instructions or refund my money.

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 2016-09-30 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Macy 's provided me with an XXXX Credit Card despite me telling the person in the store and the credit checker that I did n't want it. There was confusion on my part relative to my existing Macy 's account.

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 2015-12-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I suffered a job loss XX/XX/XXXX. I have been a loyal cardholder of Citi for 20 yrs and opted in for their Credit Protector program for XXXX credit cards with Citi and had been paying this for over 4 years. I submitted a monthly form to utililize their Job Loss benefit which covered just my monthly payment every month. In the current terms it stated after 24 months the company would cancel my balance if continued job loss occurred. When my 24 months passed, I got a letter indicating I do not qualify any more as their change in terms for the program upgraded XX/XX/XXXX so I will not be applied the benefit after 24 months. This was devastating as I clearly could not continue making the monthly payments as unemployed. This is complete fraud and a scam to those in need of the benefits they advertise and offer.I called several times to verify this and spoke with supervisors who were unhelpful and a total disregard of my situation. After being a loyal cardholder for 20 years, they offered no assistance or consideration. I did not know who to report this to of if it is even legal to remove services or change services and mislead you into believing the customer is at fault! I would like to report this as Im sure several other cardholders fell into this trap as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We have been trying to get our loan modified since the beginning of XXXX. We have had to send in multiple applications because Citibank closed our original one before it was completed. On XXXX XXXX, 2017 we were told our application was under review. They have since been requesting information we have already provided them. They have not returned emails or been available for scheduled phone appointments. I finally talked to a supervisor today who was incredibly unhelpful and would not advise me on what they needed as far as a profit and loss statement on letter head. She said I would need to talk to an accountant. I told her we would be filing a complaint and she stated it would n't matter and they would tell us we need to provide more information. We are feeling very much at a loss on how to move forward.

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 2016-06-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have had a Citibank credit card for 20 years and my credit history is perfect with a rating of over XXXX. Much to my surprise, my account was cancelled due to inactivity but I had no warning. I can reinstate, but have to go through the same process as a new card. I 'm VERY concerned about how an account closure will affect my credit as my husband and I are looking at real estate and I had a credit limit on this card at {$22000.00}. I understand they were n't making enough money from me, but how can they do this without advising the customer? What about my exceptional credit rating?

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 2015-04-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
As described in the previous complaint, which was against the CRA itself, it is impossible for me to have XXXX hard inquires waiting weeks apart earlier this year. As explained, Citibank XXXX XXXX, XXXX XXXX, SD XXXX ( XXXX ) XXXX was notified of this error in multiple letters and a phone call. Apparently, Citi thought that a letter or a phone call meant that I wanted another hard inquiry done, which I never gave them permission to do so. It is absurd to think that I would expect a different result within weeks, I merely sent a letter asking for application status, and phoned to also discuss the application and if they received my letter. Because of a possible language barrier, it appears that the citibank customer service agent simply would try to run another hard inquiry. It appears that during this time frame of only a few weeks, my credit score dropped XXXX points. Furthermore, until this is corrected, I can not apply for additional credit with anyone in fear that they will look at these XXXX erroneous requests as a desperate attempt to get credit, probably to be denied and to make the situation worse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
This objection is at Citibank not adequate notice, promises breach, not applicable concealment, nuances, fiduciary breach and not suitable reimburse regarding various amounts require to law to reimburse credits placed on accounts, debit refund credits, monthly fee balance, bonuses, direct deposit credits, interes balance, and various deposits.

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 2016-04-12 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I opened a Macys credit card last fall, made some purchases and never received a bill. I called and they made a XXXX time credit to my account for the late fee and finance charge and I paid the balance in full. I again purchased an item over the holidays with the card and did not receive a bill. To prevent fees my wife called the week before the billing period and paid using the automated phone service. Macys stated the call never happened and again charged me for late fee and finance charges. We looked through bank statements and could not find the payment so this was indeed puzzling. I reviewed my phone records and did find proof of the call so I called Macys back and they did admit a call did occur. The call was 8 minutes in length but an error occurred. I asked for the specific error and they would not share details of the error with me and insisted I pay the now near XXXX dollars in late fees. Mind you all fees at this point are charges from finance charges and late fees. I work in XXXX for XXXX XXXX and have supported dozens of Voice Recognition systems and very familiar with what information is available so why they refuse to share is a problem with me. Every button you select, the time between buttons, the errors encountered. It is a legal record that must be maintained for seven years. I have been billed to date well over XXXX dollars in fees on nothing but fees. No late charges were actually in affect for products purchased. They called me more than a dozen times to get me to pay the XXXX in fees I felt I did not owe. I tried on several occasions to get this resolved and most often they would put me on hold and the disconnect after 10 minutes or so. When I tried to understand why I was not getting statements it was discovered they had the wrong billing city listed. After several calls daily from Macys collections I tried to get this resolved but finally buckled and was forced to pay almost XXXX dollars in fees on a finance charge. I paid the charges and closed the account. This occurred last month and since my address has been corrected I received a billing statement this week. The process has started all over with a {$2.00} fee being charged. If I do not pay this {$2.00} I will get yet another {$37.00} late fee. I 'm not sure what type of scheme they are running but to date the card has cost me over {$100.00} in so called Fees. They add {$2.00} monthly and if you do n't pay it turns to {$37.00} a month over and over and over. How can this be a legal practice? What is the mysterious {$2.00} fee that rolls into a {$37.00} late charge? Is this practice legal? How can I get my {$96.00} that I paid to protect my credit? A service fee that turns to a late charge compounding into a late charge due to a bad address? I closed my account but am still getting Fees. How can I get off of the cycle here? 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 monetary relief
Consumer complaint received 2016-12-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have a CITI account on our report which just popped up while we pulled a credit report XX/XX/2016 in the process of application for a home loan. 
I had no clue of what this account was and the credit score was in 720-740 before that and because this account has suddenly popped up and the score is 619 and we were denied a home loan. 
I call up CITI and clarified and then were given to understand that this was an account with XXXX and Costco and that got transferred to CITI. We had not communication or mailers from all these parties involved in this dispute. We had closed the Costco account and paid of all balances with XXXX as on XX/XX/2016. 
When requested more info with CITI they said that I had a balance of {$340.00} which was brought forward from XXXX to CITI in XX/XX/2016. Now after 6 months they have added late fees and interest charges and made it to {$510.00} outstanding balance with CITI. 
I have had no intimation on these corporate mergers and all that and nobody from CITI had ever communicated about this outstanding balance in the last six months. Now when we pulled the credit that 's when we go to understand that we will not be able to get a loan because of this CITI account which was showing delinquent. 
I am willing to pay of anything I owe as outstanding from XXXX if there were any, so I request CITI for the statements as to where and how this balance got carried forward and CITI customer service reps were so hasty and gave a rude reply that they can not give me that data and that it is my problem to deal with it. 
I want to dispute this issue and have it cleared ASAP so I can get going with my home loan and my EMD ( Earnest Money Deposit ) of {$3000.00} will be lost if I do n't get the loan in 30 days. 
XXXX and CITI are not really worried about customers at all and finally the customer has to go through the irony of life with bad credit for no reason. 
Please address this dispute as soon as possible and I look forward to a favorable reply.

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 2015-08-25 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX keeps calling and harassing me about a debt she can not validate. But, the debt is not in default and I have not been contacted by my creditor regarding this company. They are trolling. When I asked them to identify themselves and the nature of their business, they refused. When I told them I do not do business over the phone, they threatened me. " Then suffer the consequences! '' And, " It 's too late for all that suffer the consequences! '' She sent me a correspondence XXXX XXXX, with no knowledge of any creditor and trying to sign me up for XXXX. I have no debt in default ; I 'm XXXX months late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Was sent new card by the credit card company in XXXX of 2016. Made a charge in XXXX or XXXX of 2016 of {$45.00}. XXXX statement has balance of {$45.00} but I never received any statements from XXXX through XXXX. Received an email today on XXXX XXXX, 2016 that there was a small payment due on my account so I logged on to make the " small payment ''. Upon logging on I found that my balance was {$100.00} because I never received any statements, I was charged a late fee in XXXX and then a late fee on top of that in XXXX for a total of {$63.00} in late fees. The original charge was less than the late fee charges. I then tried to contact Citi Card via phone but recieved the message " due to high call volume we can not take you call '' and I was disconnected. Then after several attempts online I was able to chat with somebody online. However the chat person said they were unauthorized to remove the late fee and that I had to call the company. They also said I could not talk to a supervisor via chat. I made every attempt to get this resolved but received no help or customer service from Citi Cards. It is incredulous that a company can prevent me from trying to resolve my account. My chat person 's name was XXXX. In the end they told me try chatting again another time. The is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello there, I have been banking with Citibank for approximately 10 years, I just noticed that they have been withdrawing XXXX dollars per month from my checking account for almost two years just to keep my money with their institution, that was not the original agreement when I opened the account with them and I was not notified about that change in the contract neither. I 'd like to have all that money back to my account, those monies were collected without my express consent.

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 2017-01-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Closing date on my credit card is XX/XX/XXXX. I made an online payment on XX/XX/XXXX that was successful. However, I late found out the payment was applied as a float and my credit balance was n't adjusted. This led to a situation where I exceeded my credit limit because it was never adjusted after my payment. 

My credit limit is still not adjusted for my payment on XX/XX/XXXX, over a full week later. I was never notified of the float, or the fact that my credit was being withheld. 

I feel this company took my payment, told me it was successful, but never applied it to my account and updated my credit. Doing this without my knowledge violates my rights as a consumer.

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 2015-05-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
My wife and I applied for a construction loan last year and when our credit was pulled it showed that I was an Authorized signer on her credit card account with Citi. We have called multiple times, faxed letters requesting that they remove there false reporting 's from my credit. I started this in XX/XX/XXXX and in XX/XX/XXXX they agreed to remove me as Authorized signer, but will not fix my credit. I have never had a credit card with Citi and would really appreciate it if you could resolve this problem. I give you permission to contact my wife XXXX XXXX in this matter as it is easier for her to receive calls and emails due to her work.

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