vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened a Citigold account in XXXX 2016 under a promotion. The promotion was verified via verbal and written communication with Citi representatives multiple times in XXXX and XXXX. I also verified via verbal and written communication with Citi representatives that I met the requirements to receive the promotion in XXXX. I was asked to wait 90 days after meeting the requirements for Citi to honor their end of the agreement. After waiting for 90 days and not receiving my bonus, I contacted Citi. They are now claiming that I do not have a promotion on my account and are refusing to honor the promotion, despite me providing them with the written correspondence from previous months. An " investigation '' was opened by Citi and they continue to deny my promotion despite the evidence. Citi has taken my money and time based on promises that they are no longer honoring. This 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 non-monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Company has been pursuing me since 2008 for a debt they can not prove is mine in any way. They continue, year after year, trying to file fraudulent court documents with differing amounts to try to get me to pay. I have responded in kind, asking that any proof I owe this debt be sent to me and the court in writing. They have failed to do so. 
At this point, I consider it harassment and they are wasting my and the court 's time. They say the debt on or before 2008. Per Ohio statues, even if the debt was mine, it has been over seven years, and is now out of statutes. 
I would like to file a formal complaint and suggest that I am not the only XXXX they are doing this to, it is a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My XXXX XXXX credit card was originally with Capital one and then sold to XXXX. My credit card was never late. I always paid on time. They are reporting it late on XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the on XXXX late on XX/XX/XXXX and late on XXXX XX/XX/XXXX. I tried to settle this with them and the credit agency 's but nothing has been corrected.

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 2016-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 
- See offer below After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 
- See confirmation message below On XX/XX/2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX 2016. 

On XXXX, 2016, I did not receive my bonus points as promised. 

On XXXX 2016, I contacted Citi via message again that I did not receive my points. Citibank indicated that they will open an internal investigation. Finally Citibank asked me to contacted them to add and Citibank still have not complete the investigation, keep responding that investigation is in process and points still not add to my American airline account XXXX yet while I am paying monthly fee of {$30.00} to maintain my account. 

Citibank again requested me to provide XXXX XXXX account number for 3rd time and indicated will have the bonus within 10 days since XXXX XXXX and now it 's XXXX XXXX and still did not have my XXXX miles yet. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement by not giving me the XXXX american airline miles to my XXXX account # XXXX as promised Citi must credit my account XXXX XXXX miles immediately. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 

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 non-monetary relief
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
CitiMortgage is sending harassing debt collection notices for a loan that was closed in 2013. In 2013 CitiMortgage agreed to a deed in lieu settlement for a loan. The agreement was finalized, agreed by both CitiMortgage 's attorneys and our attorney, and recorded in the Register of Deeds in XXXX County, NC ( where the property is located ). This closing documentation was signed by appropriate representatives from CitiMortgage. The deed in lieu contained wording that no further fees would be sought for collection upon closure. CitiMortgage then placed the property for sale. We believe CitiMortgage is pursuing us for debt/penalties incurred by them from XXXX, due to an error or oversight on their behalf that was brought to their attention by XXXX. We do not believe we should be responsible for this debt as all documentation and title were appropriate and clear at time of closure in 2013.

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 2017-03-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CitiMortgage gave me a modification, then almost simultaneously transferred my mortgage to XXXX for processing - but for the wrong amount - $ XXXX higher than the modification. No one would correct the issue even though they could see the modification. XXXX finally sold back my mortgage to Citi, again for the wrong amount they received it from Citi. But now Citi looked at it as a NEW deal from XXXX - and has been impossible to get matter corrected. I hired an attorney and began paying based on the modified amount. Eventually, Citi said I had a deficiency and was in default. Only after they initiated litigation was I able to clear up the matter with attorneys ( theirs and mine ). Final outcome - Citi settled out of court $ XXXX in my favor. BUT KEPT THE INFO AT THE CREDIT BUREAUS TO SHOW AS IF THERE WAS A FORECLOSURE.

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 2016-10-29 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been an account holder of Citibank for 13 years. I never missed a payment, used my bill pay & checking account regularly. 
Last XXXX XXXX, 2016, I took advantage of their special promotion. Their promotion indicated that if you open a new account and deposit {$15000.00} leave the money with them for 3 months, you will be given a credit amounting to {$400.00}. 
I did just that. I went to the bank ( XXXX XXXX XXXX, XXXX, CA XXXX ) on a Saturday, XXXX XXXX. I was made to wait for XXXX long hours since there was only XXXX bank officer who was handling client inquiries other than withdrawal & deposits. The bank officer took the flyer I brought, read the details of the promotion and he took note of the promo code pertaining the promotion. After a new account was successfully opened by the officer, he instructed me to deposit the money to XXXX of the tellers. I was assured that {$400.00} will be credited to my account after 90 days, as long as the money I deposited remains intact and untouched, it should all be good. 
I visited the branch on XXXX XXXX, 2016 to follow up. I was told that there was a problem on my account and it would be elevated to the manager of the bank. Since XXXX until today, XXXX XXXX - I have called and made numerous follow-ups with the bank and the XXXX number, only to be told by the bank manager herself, and multiple customer service representatives, that I was " ineligible '' to receive the promotional credit since it was only offered to NEW account holders. 
Personally, I feel misled by their FALSE ADVERTISING. After they took & held my money for FOUR MONTHS, they would only tell me NOW that I can not be given the {$400.00} credit simply because I am ineligible for that promotion? They were well aware that I am a current account holder with multiple active accounts with their bank. They should have denied opening a new account for me if they deemed I was ineligible WHILE I was there on XXXX XXXX! It was their mistake, why ca n't they rectify the problem they created? My experience with this branch was a classic SWITCH AND BAIT with Citibank. 
I would be very careful dealing this branch. 
Because of this extremely bad experience with them, I have decided to close my account and put my money elsewhere, where I would be treated FAIRLY and appreciated, after many years of loyal banking with them. 
It is so ironic they are aggressive in getting new account holders to bank with them but they ca n't salvage the old, faithful ones that have stuck with them all through the years. So I guess this is what I get for being their LOYAL and active account holder of 13 years, being completely screwed 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 monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Macy 's cashed my ck # XXXX for {$1300.00} on XXXX/XXXX/2016 the last XXXX digits of my account was written on the check. As of XXXX/XXXX/16 Macys has not applied the payment to my account. I faxed a clear copy of the front and back of the check on XXXX/XXXX/16 XXXX. I am told that it will take 2 billing cycles for them to look into and correct. I am asked to still make a min payment even though the check will pay more than what is currently charged on the account. I have reached out to Macy 's through the secure email on the credit card for some kind of status update on the research and no feedback has been provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
CitiMortgage is the mortgage lender for borrower having a first mortgage lien. Due to an escrow account analysis the mortgage company increased the mortgage payment by approximately {$35.00} for the month beginning XXXX XXXX, 2015. The borrower inadvertently neglected to increase the payment by the {$35.00} for the first payment coming due on XXXX XXXX, 2015 and the mortgage company without notice to the borrower refused to apply that mortgage payment to the underlying loan. The borrower began making mortgage payments on XXXX XXXX, 2015 in the increased amount but the lender without notice to the borrower only applied the XXXX payment to the XXXX payment due. The same thing happened with the XXXX XXXX and XXXX XXXX, 2015 payments. When borrower made loan application for a new auto during the month of XXXX 2015, he discovered that the mortgage company had been reporting him 4 months past due thereby significantly damaging the credit rating of the borrower. Again, lender never gave borrower written notice or any notice that his loan payments were continuing to be applied as late simply because the mortgage payment was increased by {$35.00} due to an escrow account analysis. Borrower has not been able to obtain a mortgage loan to purchase other investment properties, and he was charged a higher interest rate with which to purchase a car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FirstKey Holdings, LLC
State: CA

Complaint narrative:
I have tried to remove my PMI, and to no avail. After i was told that i need to pay for the appraisal so they can send in a representative they work with, they are now claiming that not only they will not be able to remove my PMI because my appraisal amount came back less then 1 % of where the loan to value is required. This is especially interesting since i have had an appraisal done on my house in XXXX 2015 and the appraised value came back over XXXX XXXX dollars more then the one their " representative '' appraised. The value of the homes in my area have gone up rather then down. Tho me it seems the banks are at it again. Stealing from the people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a bill from Citi XXXX XXXX showing a charge for new purchases in the amount of {$870.00}. As I use this card for my solar billing and my automobile insurance only, I could n't understand why it was so high. I also noticed that I was being charged interest in the sum of {$7.00} I immediately called Citi Simplicity and asked why my bill was so high and why was I being charged interest. I was told that I did n't pay my XXXX bill. I explained that the only reason I would't have paid my bill was if I did n't receive it. I told them they could and should check my history and they would see that I paid all my bills on time and in full. They did that and said they would credit back the interest as they saw that I did pay my bills on time and in full. I then paid the XXXX bill in the full amount of {$870.00} which was received on XXXX/XXXX/16. I have now received my XXXX bill and not only have I been charged interest on XXXX/XXXX/16 but my purchases total {$460.00} and it shows the New Balance as {$460.00}. I called and spoke with XXXX in Florida to see why I was being charged interest and why they added {$.00} to my bill. XXXX said that they charge 2 months interest, 1 month when they did n't receive payment and a second months for the carry over. I attempted to explain to XXXX that I should n't be charged interest as I should n't have been charged interest in the first place as I never received the bill. When I could n't get through to him, I requested to speak with a Supervisor. He told me that there were none available. He would fill out a form to have a Supervisor call me back but I have yet to hear from anyone. However he never attempted to explain why they were charging me an additional {$.00}. Maybe I 'm wrong but adding {$.00} to my bill would seem illegal or fraudulent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, I opened a Citi Gold checking account online through the Citi website on XXXX XXXX, 2016. During the enrollment for the checking account, I entered the promo code " XXXX '' in order to receive XXXX XXXX XXXX points as a bonus after fulfilling the minimum requirements. After reaching the minimum requirements, on XXXX XXXX, 2016, I reached out to the customer service online chat to confirm. The customer service representative confirmed that I had reached the requirements and that I should be receiving the bonus in my account within 90 days with a confirmation email. I had done confirmed with XXXX separate online customer representatives After not receiving any confirmation email after one month of waiting, I called citi customer service on three separate occasions to find out about the situation and they had stated that I would need to continue to wait for the bonus to arrive. After not receiving any confirmation from Citibank, I then asked to speak to the customer service manager and he mentioned that I would not be eligible for the bonus. 

I have researched online that many Citigold customers are receiving the same issue without receiving a confirmation or their bonus. I have attached a screenshot of one of the secure messages with a Citibank customer service rep. Please help me regarding this situation, I was planning to use these points for my honeymoon and it would help a great deal financially, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Macy 's department Store Card did not forward statements to new address and after 3 months only notifications was from collection company. As soon as notice was recieved full balance was paid off ( {$300.00} ). Macy is unwilling to remove derogatory mark from credit and believe their policy for not forwarding statement leads to late payments etc. Currently, my credit score dropped XXXX points and assuming most of it is due to Macy 's. I 'm unable to get mortgage due to their lack of customer service and compliance with USPS.

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 2015-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am in the middle of a Debt Settlement program. I have explained this to One Main Financial. They have called my work and left messages. I ma a teacher and unable to accept calls at my work. I am aware of the debt and it will be paid, however, my company XXXX will take care of this. They are harassing me and I am frustrated with their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I entered into an agreement with ATTUniversal/Citicard to pay a credit card debt, The agreement was negotiated by XXXX XXXX XXXX and the payments were made thru them. I have copies of my signed agreement from XXXX and the agreement letter from Citibank. 
The original contract stated that I would pay Citi {$570.00} per month for a total of 12 months. I have copies of the front and back of each of the 12 cleared checks. The checks are dated XX/XX/XXXX thru XX/XX/XXXX. Since the final payment, Citibank has continued to report to the three credit bureaus that I owe them {$10000.00} in spite of my proof of the agreed-upon payoff of 12 x {$570.00} = {$6900.00}. Twice, I have sent them XXXX 1 certified return receipt mail and 1 fax XXXX copies of the cancelled checks and both the XXXX and Citibank agreement letters. They have never acknowledged receipt of any of them. The account has been moved to four different collection agencies who can not provide proof of the check that allegedly did not clear. They just repeat what Citibank has told them " The XXXX XXXX check was returned for insufficient funds. And I, once again, owe them the original amount of $ XXXX. " There was no XX/XX/XXXX check. The XXXX and final payment was XX/XX/XXXX. I have repeatedly asked for proof of the NSF check but have never received it. 
I have written the credit reporting agencies asking them to remove the incorrect information, to no avail. 
Citibank continues to say the NSF check broke our contract and I still owe them the {$10000.00}. I would like to see this item removed from my credit report and marked " paid as agreed. '' Please note this has been going in for more than a year and been circulated to four different collection agencies with NO help from Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Kross, Lieberman & Stone, Inc.
State: SC

Complaint narrative:
A kross, Lieberman & Stone representative, XXXX XXXX, initiating contact about a debt their company is attempting to collect on XXXX XXXX, 2015. XXXX XXXX identified the debt as XXXX XXXX XXXX. On that day, I informed XXXX XXXX not to contact me at my place of employment ; and that the debt is being disputed. XXXX XXXX, the representative the company refused to give me her information, spoke in a threatening and belittling manner. She contacted me by phone again on XXXX XXXX, 2015, at my place of employment. The agent, XXXX XXXX, was again instructed not to contact me at my place of employment. XXXX XXXX then proceeded to call back an additional time on XXXX XXXX, 2015, and requested my employers fax number. XXXX XXXX later proceeded to contact my office yet again by faxing over an employment verification request, which I did not authorize. The request revealed my entire Social Security number and personal information. The harassment needs to cease immediately. 
I 've requested the company to stop all communication with me and with this address and any phone numbers you have listed in regards to this debt. The lack of professionalism and harassment XXXX XXXX displayed on the phone is the reason I am filing this complaint. 
I also requested that the comapnys records reflect that I have disputed having any obligation for this debt. If they forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation