vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 

After completing the requirements on XXXX XXXX, 2016, I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. On XXXX XXXX, 2016, Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles by XX/XX/2016. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. 

As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by XX/XX/2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, technically, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, 2016, which is ninety ( 90 ) calendar days from the date on which the requirements were completed ( XXXX XXXX, 2016 ). 

Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over XXXX years of age, and I had never before held a consumer checking account with Citibank.

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 2017-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I am a XXXX XXXX XXXX veteran who is facing foreclosure on my home that is secured with a VA loan. The servicer of this loan is Citi Mortgage, they have dragged out the process and failed to review my financial information in a timely manner once I engaged with them to attempt to resolve this issue. After supposedly working on this for months, they finally responded to me via letter and stated that the requested paperwork was received to close to the sale date -- this seems to be an excuse to deny me access to the programs that I feel I qualify for. 

I bought my home in XXXX. In XXXX my employer transferred their business to Texas from Iowa, and I was out of work right at the height of the recession. I looked for new employment but was not successful, and had to rely on my savings to keep up with all of the bills. Then I became XXXX and unable to work at all, and the savings ran out and I feel behind on my mortgage payment a couple of years ago. 

I was told that since I had a VA loan that was sponsored by the government that there were programs available to help me get back on track and get a restructured loan with a lower payment. So I tried to start the process with Citi Mortgage. The problem is that they continually drag the process out and misplace documents or fabricate an excuse as to why they ca n't help me. I thought I was making some progress recently and was dealing with a gentleman named XXXX but before the review could be completed I received a letter stating that my request for help was denied because I had a sale date coming so Citi could not look at my information. 

Why is Citi not taking into account the multiple times that this information had been provided to them, yet they chose to never review these documents. Instead, they waited months, and then right before my sale date, they send out a letter saying, sorry, it is too late. Citi has backed me into a corner -- -their paperwork states that I am not able to resume making payments, because I must pay the full past due amount in one lump sum payment, which is impossible. So there is no way I can fix this unless Citi works with me. 

I know that I am behind on this loan, but I know that there are programs for VA loans that allow someone like me to get a better rate and payment and address the late payments. I am contacting your office to file a formal complaint since Citi is not allowing access to the government programs that should be open to struggling homeowners with VA loans. I do n't know why Citi is continually denying me access to these programs, not even giving me a chance to be reviewed or save my home. It does not seem fair. I served my country proudly and now face losing shelter for me and my son.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ZENCO COLLECTION, LLC
State: NY

Complaint narrative:
I was contacted on XXXX/XXXX/XXXX by XXXX XXXX XXXX who represents " Zenoco Collects '' about a XXXX debt in XX/XX/XXXX. This debt was sold off by the original creditor and eventually paid by me. This debt no longer stands valid. That debt has been paid and satisfied. XXXX XXXX told me the IRS has sent me a XXXX form which i did n't answer and he was looking to collect for them. He was willing to settle for {$600.00}. He threatened legal action if i did not settle with him by XXXX. I asked for him to verify this debt by sending me an email with said documents, which he never sent out. I then called the IRS to see if there was any pending outstanding balances with them in which they told me no outstanding balances or litigation. Then i called XXXX XXXX back twice and he did n't pick up. I called them to complain and they hung up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Brandsource which is a city bank card. I went to pay off the account.Told them funds was move to my checking account from the sayings account. They show acct paid when spoke to them on XXXX/XXXX/16. Told a rep payment wo n't go though once they put show the balance I would call in a pay it off. Citi bank has hit my savings account 4 times now. Even with me calling them again on XXXX/XXXX/16, XXXX & XXXX/XXXX/16. It is costing me fees. I was told by them they will hit the account as many times as my credit union allows. Since account still show a XXXX balance I have asked for a paid in full letter they would send on and they have n't. I want them to stop hitting my savings account and pay me back the {$75.00} dollars they have cost me in fees.

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: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I called Citi Card Customer service because I got a late fee for being late one day since they did not send me a statement. They email it to me and I do n't have the password to the email address they have on file. I was on hold for over 45 minutes and when I spoke with Customer Service representative said that he could not remove the late fee. He transferred me to another representative and he said that he could not do it and put me on hold again then the line got disconnected. I call again and the same thing happened I asked for a supervisor and the supervisor said he could not remove the late fee either. I was even willing to set up automatic payment so that this does not happen in the future but they refused to take the late charge off 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 2015-10-05 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had a citi aadvantage credit card, but have n't used it for the last 3 years. I have n't received or activated the replacement card. When I checked my credit report last week and found out i was charged with annual fee every year without having or using the card, I called citi bank to ask to waive the fee, but they refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank offers a yearly bonus of XXXX Elite Qualifying Miles on AAdvantage if you charge and pay more than {$40000.00} in a given year. In 2014 I exceeded that amount by almost 50 % yet they refuse to honor that bonus offer which, by the way, is still shown on their web site.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-13 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I currently have a Macy 's store credit card. Although, I have a XXXX balance on my card, it says that I owe a {$2.00} finance charge. I paid the credit card off last month and did n't use it. I do n't understand how I have this finance charge.

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 2015-07-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have maintained a Best Buy Mastercard through Citibank for almost 10 years. This year I failed to receive my card at renewal time. After I emailed customer service, they informed me that they would send out another card. I chaulked it up as that they had forgotten to send out the new card. I even saw the annual membership fee of {$59.00} bill to my statement. I called the customer service about 14 days later to be told that the card had been mailed out with an expiration date of XXXX 2015. I asked why would I receive a card that was only good for a few weeks. The representative then tells me that the card was not renewed. I asked why did n't I receive a notice as required by law by the Fair Credit Reporting Act. She then placed me on hold to speak to her supervisor. She came back to the phone to tell me I would receive one 14 business days. Again I asked why did I get billed the renewal fee. She stated she would remove that fee. I then requested to close that account. She stated she would but I would have to reapply to open it. I stated you guys were going to close it anyway. 
My complaint is that they did n't supply the required legal notice that the account was being closed until I inquired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
The lady from the finance company calls as many as XXXX times a day, sometimes within minutes of the previous call. Even when payments have been made towards the loan, she still calls, as early as XXXX days after a missed/late payment. She tries calling from multiple numbers too. It got to the point that we had to block the numbers from the office, and then her cell phone number when she started calling from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a letter dated XXXX/XXXX/15 stating that my credit card with best buy would not renew. They then closed the available credit limit that was available o the card. They stated that my score was too low. On XXXX/XXXX/15, I then went online to pay on the card as I do every month, manually. I found that the company had already paid on my account for XXXX 2015. After looking further into the matter, I found that they had set my account up for recurring payments without my consent. I called the number as listed on the recurring payment made for the month and spoke with XXXX staff ID # XXXX who stated that I called back in XXXX and set up recurring payments. I then told him that I did not. I asked him why they had not been taking the payments if I called and set up recurring payments in XXXX. I further asked him why was I able to make payments manually every on the account if recurring payments had been set up since XXXX. I voiced my concerns about they could have messed up my checking account by taking unauthorized payments from my XXXX account without my consent or knowledge. He apologized and removed the recurring payment feature from my account. I then asked for a confirmation email on this activity of the removal of the recurring payments to which he refused and gave me his staff ID as a reference. I feel violated by their unethical practices. First, they close my card which made my credit score go down and then they took money from my checking account without my consent or knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a Citicard that was stolen from me and used to make fraudulent charges between XXXX XXXX XXXX and XXXX XXXX XXXX. I have spoke with Citi Cards approximately XXXX to XXXX time since then ( Today is XXXX/XXXX/XXXX ). Every time I have spoken with them they assure me that the charges are under investigation and will be removed in 5 to 7 business days. This has gone on for over six weeks and yet the charges have not been erased. Every time I call them I have to start the whole story over as though no record is being kept of situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Short Story : They impound our taxes each month, which totals over {$11000.00} per year. Unfortunately, although they deducted the money from our escrow account, they never paid the second installment of our taxes. We had started the process of refinancing and our new mortgage company XXXX had to pay the taxes on our behalf. Now we owe XXXX {$6600.00} for taxes that were already escrowed by Nationstar. Nationstar is not returning the money. 

Details : XX/XX/XXXX : They record a deduction from our Escrow Account of {$6000.00} XX/XX/XXXX : Taxes are due to the County of XXXX XX/XX/XXXX : Nationstar Mortgage provides a payoff statement to XXXX showing that the taxes were already paid XX/XX/XXXX ( not exactly sure of the date ) : We settled a refinance with Nationstar XX/XX/XXXX : XXXX sends us a letter that our taxes were delinquent and that they paid them, including the penalty fee of {$600.00}. XXXX tells us that we now have to pay them back the {$6600.00} over the next twelve months. 
XX/XX/XXXX : Spoke with XXXX at Nationstar and opened a case, which she said would resolve in 5 days. 
XX/XX/XXXX : Followed up with XXXX at Nationstar. He has no news. 
XX/XX/XXXX : Spoke with XXXX who is able to see a tracking number for the loan payment, however that tracking number shows as 'Tracking ' XX/XX/XXXX : Spoke with XXXX at Nationstar . She was able to explain that the tracking number I was given was not a wire number, as I was originally told, but was a XXXX number. I am able to search the number and see that a label was created on XX/XX/XXXX, but nothing was shipped. However, that same tracking number is also used for a separate package that was XXXX from XXXX, TX to XXXX. It shipped on XX/XX/XXXX and arrived on XX/XX/XXXX. 
I was transferred to XXXX at Nationstar who promised to look into it. 
XX/XX/XXXX : Left a message for XXXX. 
Never got a call back from XXXX. 
XX/XX/XXXX : Spoke with XXXX at Nationstar. Finally got transferred to XXXX who was helpful. He investigated and said that the check was sent to the County of XXXX. The County of XXXX was returning it to Nationstar and they will issue us a refund. He said it would take a couple of days. He said it might take 5 days to process. 
XX/XX/XXXX : XXXX called me to let me know that a check was coming and gave me a XXXX tracking number. He said the check should arrive by Tuesday XX/XX/XXXX. 
XX/XX/XXXX : According to the XXXX Tracking number nothing was ever shipped. A label was created, but that is it. Left a voicemail for XXXX XX/XX/XXXX : XXXX never called back so I called him again and left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: CITIBANK, N.A.

Complaint narrative:
I wired money from my Citibank account in the XXXX to my XXXX account with a XXXX Bank in XXXX. 

After I made my wire transfer online and get the confirmation number, I was called XXXX times from Citibank to verify my identification. After all these XXXX calls, I was told that I had answered all their security questions and the wire transfer would go through soon and I just needed to wait here. 

Then I was called again by Citibank ( the lady actually hanged up on me ) that my online wire transfer can not get through, and I need to fly to another city ( XXXX ) with Citibank branch to get my own money back as there is no Citibank branch in XXXX. People refused to answer why I was treated like this this time as it never happened to all my previous online international wire transfers ; and they refused to answer what policy caused clients to go to another city to get their own money back. 

This transfer is from me to myself, the sender and the receiver are the same person and I have answered all their security questions, XXXX times. 

I believe it is not reasonable to treat clients like this, and the service people are very rude

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank sent the cosigner, my mother, a letter demanding full payment of my private Citiassist loan which startled her almost to a state of shock. They claimed after repeated requests I 've failed to make required payment on the loans. Citibank claims the loan charges off after 120 days. I have a past due balance of less than XXXX and paid them a monthly payment less than thirty days prior. When I called and asked why only my cosigner received this letter, the flustered correspondent sent me to an escalation specialist ( # XXXX ) who refused to explain anything and literally only asked when I would like to make a payment for the full due balance and never answered for their dishonest attempt to shake down my mother behind my back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I applied for a Citi Gold checking account in XXXX/XXXX/2016. Citi offered {$500.00} cash bonus if I fund $ XXXX to my account and maintain that minimum balance for 30 days and the bonus should be posted within 90 days afterwards. I fulfilled all the requirements and now after several phone calls Citibank refuses to honor the bonus.

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 2016-07-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX switched over the credit cards from XXXX XXXX to Citibank Visa card on XXXX XXXX, 2016. 
In process all the charges which were made on my XXXX XXXX were also transfered to Citibank ( without my knowledge ). My XXXX account was set up for autopay and would have been paid by end of the month. But because of this transfer, Citibank charged me the late fee and interest. This is a huge inconvenience and bad practice.

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