vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a checking account with Citibank. As I was going through my automatic payments online yesterday on XX/XX/XXXX, I noticed a monthly charge of {$25.00} service fee. I than checked the past account details going back to XX/XX/XXXX ( I did not check older dates ) and noticed that I was penalized by {$25.00} in every month of XXXX for not having sufficient funds. As I called their customer service, I was told that if the balance goes below XXXX, I would be charged {$25.00} as service fee. My argument is, when I use my citibank card outside XXXX, I would receive an alert from Citibank to confirm about that particular payment, however, when my balance goes below XXXX, I would be charged {$25.00} without any notice via text or phone call. I already talked to the branch manager earlier, and downgraded my agreement. The manager agreed on paying me back for only past three months. I have always trusted Citibank until now, yet unfortunately due to this dishonest policy I am extremely disappointed. The Citibank took advantage of my unawareness. They should discontinue such dishonest policy to take advantage of customers or at least they should inform the clients via phone call or text message promptly before they penalize them. 

ps : After talking to the branch manager today XX/XX/XXXX, I tried downloading the transactions beyond XX/XX/XXXX but it did n't allow me to view older transactions. Therefore, I am only able to attach transactions until XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macy 's Consumer Credit card continues to charge me {$2.00} a month for XXXX balance on my card. I have tried numerous times to have this solved. On XXXX XXXX with {$4.00} charged to my account I called ( XXXX balance ). They claim is interest of the unpaid balance which was paid in Full in XXXX 2016. They told me if I paid the {$4.00} there will be no further charges. Received my bill again today, and {$2.00} charge again on my statement. This is a rip off. They refuse to refund me. How can they get away with this??? WORST CARD EVER!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-16 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
For a XXXX time, the Macy 'XXXX Card company charged XXXX a late fee and interest on a payment that the bank records showed was paid on time - in fact, after the XXXX time, I set the payment to pay BEFORE the due date. This time, the payment was due XXXX and they were paid XXXX. Although they removed the fees when I called and agreed the payment had reached them on time, many people would just have paid. What a way to make money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX/XX/XX/XXXX I applied to Citicard promotion for a Master Card World Elite credit card that I received in the mail. The promotion was for when you have made purchases of {$3000.00} within 3 months after you received your card, you will be awarded XXXX miles to your XXXX XXXX Miles account. I applied to this promotion online, simply because I could find out right away whether I qualify or not. My application was denied immediately. I later received a letter in the mail from Citicard saying that because I already have an open account I therefore was denied. I had previously canceled my credit card with Citicard a couple of months prior to applying to this promotion but Citicard claimed that I had an open account. XX/XX/XXXX, I received another promotion in the mail from Citicard with the exact same promotion as before. I decided to try again. I applied online and was approved immediately. After receiving my credit card and have met the requirements necessary to receive the XXXX miles, I noticed on my statements that the XXXX miles has not been credited, instead only the XXXX+that I had spent ... .I called XXXX XXXX XXXX Miles to check whether there was a credit made of XXXX miles, they informed me " no '' and that I needed to follow up with my credit card people. I called Citicard and was sadly informed that I was n't qualify for such promotion since I previously had an account with them and that I needed to wait 18 months. 
If this is true, Citicard should not have falsely approved me for a credit card I was led to believe to receive. There was completely no misunderstanding on my part due to the fact that I wound not have applied for a credit card that did not offer me any mileage bonus. I am very aware of such things and I strongly feel that due to no fault of mine, Citicard should do what is right and honor their promotion that I was approved for. I have always been a good customer of Citicard and have always paid my debt in full with no delays. I sincerely hope Citicard will reconsider their decision and award the XXXX bonus miles promised me. 

Sincerely, XXXX XXXXVery Dissappointed CustomerSent from my iPad

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I was tricked into an all interest loan without given all the information of want the loan actually was until I started noticing that my principal did not move. The loan started out at XXXX and after 12 years it 's down to XXXX after I have put XXXX of my money straight to principle. 
the company is citi -finance. I have been told that i am under a predator loan. But no one has told me want to do about it. I refinanced the loan with them and they pushed the loan back to a thirty year loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX, I applied for a Citibank Citigold checking account using their promotional code XXXX on my application. This offer promised XXXX XXXX bonus miles after opening a new consumer Regular Checking account in The Citigold ( R ) Account Package and fulfilling their necessary requirements of Qualifying Debit Card purchases and Qualifying Bill Payments in consecutive months. Along the way, I continuously checked in with Citibank representatives ( through their online chat system ). Initially, I simply checked in XXXX XXXX/XXXX/16 XXXX to make sure the promotional code was indeed associated with my account. And I received written confirmation that if I did fulfill all the requirements, I would get the bonus. ( Please see 'Citibank Conversation XX/XX/2016 ... ' attachments. ) After that day, I continuously checked in to make sure I was on track, and I got the final confirmation on XXXX/XXXX/16 that I had indeed fulfilled all of the requirements. ( Please see 'Citibank Conversation Proof that I fulfilled.. ' attachments. ) I had been told that the XXXX bonus miles will be credited by Citibank to your XXXX account within 90 days from the end of the statement period in which you complete all offer requirements. So, I waited 90 days, and I still had n't received the miles. I checked in with a Citi representative, who told me he could n't help me but someone would get back to me within a few days. After a week, I tried again. ( By this point, I had been charged repeatedly for the maintenance of the Citigold account, losing that monthly fee money each month. ) The representative created a case number for me and again told me to wait on reply. Finally, on XXXX/XXXX/16 I was told that I was ineligible for the miles since I was not specifically targeted for the promotion. At this point, I am very frustrated because not only had I took the time and energy to open the account and fulfill all the requirements specifically for this bonus, but I had been told repeatedly by Citi employees that I was on track to receive them and that the promotional code was associated with my account. I am also out money taken by Citibank for the fees I would not have been paying if I had n't been trying to get this promotion. 

We sincerely appreciate you taking the time to investigate this on our behalf! We tried to do our due diligence along the way to ensure everything was in line with Citi, but it is clear they are going back on their words. Thank you so very much!

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 2015-07-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I request that the CFPB investigate Citi 's failure to properly handle and investigate a fraudulent and unauthorized charge that was made on my Citi account ( ending in XXXX ) for {$3500.00} on XX/XX/XXXX ( see Exhibit A in attachment ). I have been the victim of a fraudulent scam that has caused significant emotional and financial hardship to me and my family. I am being charged for XXXX XXXX License from the XXXX ( XXXX ) that I never agreed to purchase and that was never issued to me in my name. For more information about the fraudulent charge, please see the billing dispute letter and accompanying exhibits A through M attached below. 
XX/XX/XXXX, I called a Citi representative and notified them of the fraudulent charge on my Citi card of the fraudulent charge on my XX/XX/XXXX billing statement. I was told by a Citi representative on the phone that they would investigate the matter and refund the charge. Pending the investigation, Citi credited {$3500.00} back to my account on XX/XX/XXXX ( see Exhibit B in Attachment ). On or around XX/XX/XXXX, I received a letter from Citi notifying me of the pending investigation ( see Exhibit C in attachment ). XX/XX/XXXX, as a result of their investigation, Citi provided me with a copy of a letter from the XXXX explaining that the " license was issued '' despite the fact that I never received or was issued a license under my name ( See Exhibit D in Attachment ). On XX/XX/XXXX, I submitted a second written billing dispute letter in which I again explained that I was charged for XXXX licenses that I never agreed to purchase ( See Exhibit E in Attachment ). On XX/XX/XXXX, I filed a third billing dispute to Citi requesting that Citi investigate the matter and provide me with documentary evidence of the unauthorized transaction pursuant to 12 CR 1026.13 ( f ) ( 2 ) ( please see attached dispute letter and accompanying exhibits A through M ). 
In response to the second and third billing dispute letters, Citi has failed to provide me with a written acknowledgement of my letter ( 12 CFR 1026.13 ( c ) ( 1 ) ) and has failed to provide me an explanation that sets forth the reasons for Citi 's belief that the billing error alleged by the dispute letters is incorrect in whole or in part ( 12 CFR 1026.13 ( f ) ( 1 ) ). They have also failed to provide me with copies of documentary evidence of the unauthorized charge for {$3500.00} ( 12 CFR 1026.13 ( f ) ( 2 ) ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Two years ago XXXX, we applied for the First Home Club savings program through M & T and were subsequently approved by the representative we worked with ( who is no longer an M & T employee ). Since then, we have successfully completed the program, making the monthly payments on time, and have completed the required counseling sessions. At this point, we have met with our loan officer several times, had all of our documentation in order, and successfully procured a mortgage loan. We were informed yesterday of a condition of the First Home Club program that would have disqualified us from being accepted into the program ( One of us was a XXXX within 6 months of enrolling ), yet M & T approved us anyway. We were never shown or had access to a document that listed this condition, yet the representative that we worked with, filled it out for us, marking that we met this condition, without confirming with us if that was accurate. He had us sign what turned out to be the XXXX page of that document, and never showed us or had us initial the XXXX page. As a result, now that we 're ready to move forward with our mortgage, we were told by M & T that it was very unlikely that FHC would approve us for the grant that would give us an additional {$8000.00} toward closing costs. We were told by M & T that there was little they could do, despite the mistake being theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
Financial Asset Management Systems called me on XXXX XXXX, 2015, after I had already sent a written cease communication to them under complaint number XXXX. FAMS agreed in writing under complaint number XXXX on XXXX XXXX, 2015 to not contact me anymore. I called FAMS on XXXX XXXX, 2015 and recorded the phone call to get a statement balance and payments made on the account. During the phone call on XXXX XXXX, 2015, which I recorded I again expressed to FAMS that they were not to call me because it 's my work phone however, they proceeded to call me on XXXX XXXX, 2015, which is a flagrant violation of the Fair Debt Collections Practices Act. FAMS had previously agreed in writing on XXXX XXXX, 2015, not to call me again or contact me again however they proceeded to call me on XXXX XXXX, 2015. It is debt collector harassment to continue to call even after receiving a written cease communications letter. FAMS should not be attempting to call me nor write to me because they agreed in writing on XXXX XXXX, 2015 in a separate CFPB complaint ( XXXX ) not to contact me again however, they proceeded to call me on XXXX XXXX, 2015, which is a flagrant violation of the Fair Debt Collections Practices Act. I am suffering from severe emotional distress as a result of Financial Asset Management Systems debt collection harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/2014 I received several letters stating that a debt I had with Citi bank went to collections. I have no accounts with Citibank so I called the number on the letter which was a debt collector. They culd find no record of it and could offer no info. I sent a certified letter explaining the situation and asked them to stop contacting me. It never showed up on my credit and I never heard from them again so I thought it was resolved. I recently applied for a HELOC and this debt showed up. I called Citi bank which had no record of the account and referred me to their identity theft dept. Unfortunately I work the hours that they are open. I then called XXXX XXXX and they told me to call the debt collector and request proof. I have called them over a dozen times. I just get an answering service that asks me to leave a message, which I did. I have tried to research this company online and can find no info on them except complaints. They have no website. I am unable to clear this up and am certain that this is not my debt.

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 2015-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK CAPITAL FUNDING CORP
State: CO

Complaint narrative:
After many calls from the company who stated that they could assist us with getting a better rate on our home mortgage, we promptly sent all our personal informationand signed e-documents to XXXX XXXX of Network Captial Funding. He initiallyappeared to be very upfront, honest and knowledgeable. But was pushing us toget all the stuff to him so we could close by end of month. We asked him straight upif they could do honestly do the loan before we gave our CC number for the appraisal. XXXX was very confident that they would successfully be able to completethe process quickly. But after the appraisal we heard nothing from XXXX. Whenwe by chance got him, his response was brief " It is out of my hands, I only assist with the initial part. '' Four weeks have gone by and no copy of our appraisal wassent to us and no calls or updates provided. We have emailed XXXX and the companyand nothing. We have called numerous times and now we get only voice messageseven from the companies main number. Its like they have dropped off the face of the earth with our personal information, and money for the appraisal. We feel totally taken advantage of and feel like this company should reimburse our money. We didnot call them initially they hounded us. If they could not have done the loan whynot just be forcoming and honest. I think there should be a fine for companies thattake advantage of the consumers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My home loan was modified by Ocwen Loan Servicing , LLC under the Home Affordable Modification Program XX/XX/XXXX. The modified payments included the loan 's principal, interest and an escrow account, and remained the same until XX/XX/XXXX for the payment due XX/XX/XXXX. This is due to the increase in funds for my escrow account. I was n't notified of this change. 

My escrow account is current. In fact, it had a surplus amount which is supposed to be mailed to me. I inquired about closing my escrow account, and was told that I can not do so because the HAMP guidelines suggests that borrowers ' accounts must be in escrow for XXXX ( XXXX ) years from the date of the modification approval. Is this true? 

Section 4D, Funds for Escrow Items of the executed Home Affordable Modification Agreement state that " Servicer may waive my obligation to pay to Servicer Funds for any or all Escrow items at any time. '' It seem that this statement contradict the information that I was given. Additionally, the executed agreement does not mention a XXXX year requirement period for an escrow account. Moreover, I was asked to google CFPB when I inquired about the HAMP guideline on the XXXX year escrow account period. What is CFPB 's relationship with Ocwen Loan Servicing LLC when it comes to my escrow account? 

Do I have the legal right to request Ocwen to close my escrow account? The loan account is in good standing, and the amount that they are now requesting to fund the escrow will cause financial hardship. Please advice. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Last month I made a payment on my Citi Card account. The payment was for the amount of {$64.00} but for some reason I only paid {$52.00}. Did n't matter though because they did n't even post that amount on my current statement indicating that it was n't paid. They also charged me a {$37.00} late fee also based on non-payment. The amount I was billed this month was $ XXXX contacted their office and was basically given the run around. They apologized for not posting the payment and said the {$37.00} would be removed. I asked what the payment would be based on the fact that they did receive the money last month and the {$37.00} was removed. They told me {$160.00} because of late fees and non-payment. I reminded the representative that that payment was made and they missed it so any late fee did not apply. I 'm fed up with this company and went through the same thing 2 months ago. What can be done?

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 2016-06-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
When I got my job at XXXX 3 weeks ago, I was ecstatic. I had no income for the past 6 months and my girlfriend has been supporting me. I reached out to Citibank and went through the process of getting everything set up. Today, I got my first check and wanted to take my girlfriend out to a simple nice dinner. I Googled to see which was the closest Citibank branch, to only discover that there are more Citibank ATMs here in XXXX XXXX than there are branches. I found one near our home, so after work, my girlfriend picks me up & we both decided to go deposit my check. 

Upon our arrival, we see it 's a XXXX XXXX store ; we were n't sure until we see big CitiBank posters in the window, so I thought it was a legitimate Citibank ATM, located inside of the store. After I deposit the check, the ATM spits out a receipt, showing the Amount Deposited, however the Available Balance is {$10.00}. Floored and not happy, I called customer service department and they say that my account was frozen by The Citibank New Account Department because of a paperwork I did n't provide. No call, no email & no letter in the mail telling me this? And you still send me a debit card, PIN, Checking Account number & Routing Number? 

So, we went home and I I 'M Citibank 's customer service, he refers me to Citiphone ( XXXX ) XXXX. The Customer Service lady explained to me that because I went to another banking institution, that I will not be able to have the rest of my money until the following Friday ( XXXX XXXX ). What other bank institution? The Citibank logo in on the machine. 

I asked her if a partial of the funds can be released ( {$100.00} ) at least to buy food for the week. She could n't and referred me to call a branch in the state of XXXX ( XXXX ) XXXX and maybe they can me. Are you kidding me? 

This is the worse bank experience in my entire life.

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