vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
ONE MAIN FINANCIAL - XXXX, TN. Borrowed {$7500.00}. I have paid {$1800.00} on loan and they say my principal I owe is more than i borrowed. They say if i paid it off it would be XXXX and i borrowed XXXX. VERY DECEPTIVE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
A few weeks ago I received phone call from Citi Bank. Since I was working at the time they left a message stating to call them back about my XXXX Card. I did not return the call as I have not applied for a card with them nor do I have any relationship with them what so ever. Last week I checked my credit report and low an behold they had made a credit inquiry and a new account was showing opened under my social security number. I have tried to call them repeatedly but all that happens is that I am left on hold. I have even tried to call during non peak times. I have not received any card in the mail and I do not want one. Like I said I rarely apply for credit and I have n't applied for any credit since I bought my car two years ago. I would like to get this removed from my credit report and most of all I want to know how they got my social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My loan originated in XXXX, as a interest only loan. In XXXX, I applied for a Home Affordable Modification Program to run from XX/XX/XXXX to XX/XX/XXXX but was breached by XX/XX/XXXX. 
In XX/XX/XXXX the interest only term ended resulting in the monthly premium increasing by {$800.00}. I received 2 Citimortgage letters ( see attached ) from CitiMortagage dated XX/XX/XXXX and XX/XX/XXXX regarding the payments changing. As of XX/XX/XXXX, the payment was {$860.00} by XX/XX/XXXX the payment was {$1000.00} and by XX/XX/XXXX, {$1600.00}. In XX/XX/XXXX, I applied for another HAMP modification and submitted all paper work on time and did n't receive a decision until late XX/XX/XXXX but was supposed to receive an answer within 30 days. Appeals were requested but the modification was still denied. Due to interest rate only being 4 % which is the rate from the current modification and household expenses to income ratio. According to CitiMortgage modification terms the interest rate was suppose to cap at 5 % in XXXX and the modification terms was suppose to supersede the interest only term, per CitiMortage 's modification contract ( see attach ). 
Citimortgage intentionally delayed the underwriting process of the HAMP application to avoid honoring any modifications under the program. I believe my application in XXXX and XXXX was unfairly processed. I 'm a victim of predatory lending since the modification was set up for interest only for 120 months. No payment to principal was designed intentionally.These terms was based on Citimortgage in-house modification terms. 
My account is 90 days delinquent, due to the payment increase. 
I would like an investigation to be done on the handling of my account from inception until now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
When Costco transitioned their relationship from XXXX XXXX to CitiBank Visa they automatically took out credit in my name. I had a Visa account elsewhere and did not want the CitiBank card. So before the transition, I informed Costco, but I still got a card in the mail, so I never activated the account and cut up the card. I do not, and have not ever had any relationship or contract with CitiBank. However, many months later, I got an email about a late balance from them. So, I called and found out that Costco had charged my annual member to the the CitiBank Visa card ( which was NEVER activated ), and for some reason that charge was able to post!?!? 

I called immediately XXXX XXXX ) and CitiBank apologized and forgave the bogus late fees closed the account I never signed up for in the first place... except 2 months later I got another email that I owed them and calling again, they had continued to bill this non-existent account fees despite confirmation of closure. Again, they did forgive the bogus charges. 

I think this is exactly like XXXX XXXX in that my credit was borrowed against without my knowledge or permission based on a previous relationship with an unrelated financial institution. Furthermore, if I take a not-activated credit card and go to the store and swipe it -- obviously it wo n't be charged to the person and wo n't work ... How can a card be charged behind the scenes that is not and was never activated? Then, I only received notice many months after the institutional fraud based on accumulating 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 2015-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I got divorced in XX/XX/XXXX i got a mod pd XXXX payments XX/XX/XXXX i had a bad motorcycle accident then they took it back i fault with them for 4 years then they told me my name was not on the morg. they have been reporting on my credit for 5 years and have ruined my credit, to the point that I am unable to get a mortgage. My credit was ok until this started. I have even tried to get a mortgage through them, but they told me they were unable to give me a mortgage due to my credit, that they ruined. Now I must go to court XXXX XXXX for a status conference, and this is the XXXX. They said that they sold my house and I never got any paperwork of the sale or date of sale. I do not want to loose my home. They have done so many illegal things. I have had to hire a company to get my credit straight and get them off of my credit report. I have so much more to say and do not know where to begin. I have not even had my day in court to tell the judge what all has happened while trying to save my house. Can you please help me? the morg. is still in my xwifes name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My wife and I applied to refinance our mortgage with the lender that had the mortgage. We were conditionally approved with an interest rate on a 15 year mortgage. We submitted documents as requested. It took a lot of time from the lender to process the documents. As a result of slow response from lender, the lender requested additional documents which required additional time and effort to produce that did not reveal any negative information. The straw that broke the camel 's back, after several months, was the lender requesting tax returns for separate entities that we did not receive compensation from. Since our annual income was consistence and 80 % of the amount of the loan request, I refused to produce the tax returns because the entities were listed in the XXXX schedules of our personal tax returns. I believe that we were discriminated due to age since all of our income is retirement income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
Palisade Collection bought a credit card debt and forwarded it to XXXX XXXX XXXX now known as XXXX and XXXX to be collected. A judgement had been placed at least 8 - 12 years ago. They garnisheed for it. The XXXX was collecting on my salary so this discontinued. They are now telling me this is not time barred debt, that it is a " money judgement. '' which there is no explanation for. They tell me it is XXXX credit card so I am confused as to why it would not be time barred. They are now threatening to lock my bank account to take funds. My husband & myself are both XXXX and I have a XXXX XXXX. This requires a lot of medication. I can not have my bank account locked and funds taken. This would be beyond detrimental. I need someone to help me on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, CitiMortgage transferred my mortgage to XXXX XXXX. I inadvertently let my XXXX electronic payment go to CitiMortgage on XXXX XXXX and it cleared my checking account on XXXX XXXX. On XXXX XXXX, I caught my error and contacted CitiMortgage, who replied the next day that they would forward the payment to XXXX. As of today, XXXX XXXX, XXXX has not yet received the payment. I work in banking, and I understand that this should take a matter of moments. I 'm under the impression that CitiMortgage is sitting on the funds, drawing interest.

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 2016-02-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Macy 's and Bloomingdale 's credit card information was stolen and used fraudulently in Pennsylvania at XXXX different XXXX location on two different days. I was completely unaware that my card was compromised until credit card services blocked it. I followed all the steps I was told by Macy 's and Bloomingdale 's Fraud investigation department to take, such as to file a police report, complete a fraud form and mailed it to them. After three months of so-called investigation I received a letter from them stating 'We regret to inform you that your claim can not be accepted as a fraud and your account is turned to a collection department ''. Let me to restore the sequence of events that '' lead '' to this conclusion after " thorough investigation ''. On XXXX XXXX, 2015 the criminals who have stolen my credit card information went to shop in Pennsylvania to a XXXX XXXX XXXX location, made a purchase for {$2900.00}. After this they went to a different XXXX location at XXXX, again in Pennsylvania, and made the same charge for {$2900.00}. The very same day on XXXX XXXX, 2015 I used my credit card to pay for lunch in XXXX cafeteria where I worked XXXX. This did not bother Macy 's and Bloomingdale 's credit card fraud department at all. After successful shopping at XXXX those criminal had a chicken lunch {$29.00} at XXXX and serviced a car at XXXX again, for {$75.00}. Next they waited and on XXXX XXXX, 2015 went shopping again to XXXX, again XXXX. XXXX XXXX XXXX {$2800.00} and XXXX XXXX XXXX {$3600.00}. The very same day I used my credit card to pay for parking my car at parking garage located XXXX were I was working from XXXX to well after XXXX. Macy 's and Bloomingdale 's store is shamelessly trying to pin {$12000.00} on me. Macy 's and Bloomingdale 's XXXX XXXX Fraud Investigation Department conducted so-called investigation and came to a conclusion based on a ''history and notes '' that this is not a fraud and therefore I have to pay fraudulent unauthorized charges on my account. XXXX sentence ''BASED ON HISTORY AND NOTES ''. 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 monetary relief
Consumer complaint received 2015-08-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I told Citi Bank one of the XXXX charges for XXXX XXXX XXXX on my account was a fraud in XXXX 2015. Citi fixed that issue very quickly but than the next XXXX months when I paid my XXXX XXXX XXXX account for XXXX and XXXX, in XXXX Citi unauthorized those transactions thinking that is fraud. When I called them and asked them why would they do that, they said I mentioned that the XXXX charge for XXXX XXXX XXXX I said was fraud because I closed my account with XXXX XXXX XXXX. Which was not true at all. Now XXXX XXXX XXXX charged me for late fees and put a hold on my account for XXXX months since XXXX months transactions were unauthorized the same day. If the first XXXX was unauthorized immediately I would have known and resolved the issue between these XXXX big companies, but neither of them are helping me out. 
I would like Citi to refund me for the late payment charges I paid to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and ask for the hold to be taken off my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I opened a Citi Gold Checking account on XXXX XXXX 2016, with Citi 's promotional code XXXX. This promotional code promised receipt of XXXX XXXX XXXX mileage of XXXX points as a bonus after fulfilling stated requirements. I visited the Citibank 's XXXX XXXX branch in XXXX DC. The Citi agent, XXXX XXXX XXXX XXXX assured me that I indeed qualified for this offer and that she made a special note attached to my new account with the promotion code. As part of this offer, I had to use the Citi debit card to make purchases of more than {$1000.00}, and I had to perform at least XXXX bill pays, all within the first two months of account opening. I fulfilled the requirements but there had been no bonus disbursed until XXXX XXXX 2016. Therefore I visited the Citibank 's XXXX XXXX branch again on that day. The agent found the note attached to my account by XXXX XXXX, understood the issue, and filed a dispute for me. The letter said response would be sent between XXXX XXXX and XXXX, but I have n't heard back from Citi so far. I also emailed XXXX XXXX to ask for updates on the dispute on XXXX and XXXX of XXXX, but have n't received response from her as well. I believe Citibank must honor the promise, and be more responsible.

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 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing inquiry 's on my credit file with Equifax since XXXX 2016. I have contacted ever comapny that had an inquiry on my credit file as instructed by a Equifax representative. The rep told me the only way they inquiry 's could be removed was by the company that placed them on there. I contacted each company and none of them showed any record of me by my address, phone number or social security number. They in returned all told me I needed to dispute that with the credit bureaus directly yet the credit bureaus are telling me they do n't and can not remove inquiry 's from ones file. All I continually get from them is the information has been verified and when I ask them how they verified it they send me a letter with general information on there verification process. I have not made any sort of credit request in over 3 years my inquiry 's should be none.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After 20 years of perfect credit with Citibank, they switched me to a paperless account without my permission, resulting in hundreds of dollars in late charges and fees ( and a dip in my XXXX score from XXXX to 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 2015-09-12 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
XXXX hired Financial Asset Management Systems to Collect on a private student loan. Financial Asset Management Systems has repeatedly used deceitful collection practices to try and collect on the debt. I called Financial Asset Management Systems today to make a payment, they proceeded to ask me to update my address with them. I told the person no i just want to make a monthly payment of {$250.00} as I have been doing since XXXX 2015. They then transferred me to their " credit card processing '' line, and they proceeded to ask for my address again which they had never done before when I had made a payment. The intent of asking for my address again had nothing to do with processing a payment, the intent was to deceitfully try an collect and updated address. This is deceitful collection practices under the Fair Debt Collection Practices Act. XXXX has repeatedly hired these unscrupulous and deceitful debt collectors to collect on their debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The client 's identity was stolen and as a result a credit card was opened with Citi. The client did not sign an application for credit nor did he ever produce any identification for said credit card. Citi was notified of the fraud by the client who is a XXXX and does not speak english. Citi is attempting to make the client obligated for a credit card which was obtained fraudulently. The borrower did not understand the process nor understand Citi 's attempts at making the client liable for the fraudulent account. The client has hired an attorney to assist him with the fraudulent account. Citi has been notified to contact his attorney for all necessary dispute process. Citi mortgage must investigate the true identity of the person who applied for this account as the client did not apply for said card. Credit card amount issued was approximately {$8000.00} only and the client is receiving collection notices with an amount of {$21000.00}. Citi is continuing to hold the client liable for a fraudulent account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Only XXXX XXXX, 2015, I ordered furniture through Macy 's that was special order which came with a fee of {$480.00}. Then on XXXX XXXX, 2015, I cancelled the ordered and went with the furniture that was n't special order. I was told by the company that I will receive a full refund of {$480.00} within 3 business days. I have called several times and spoke to my sales person and several supervisors at the Macy 's credit department and still I have n't received a credit on my account. Many of the supervisor indicate that they will call me back but do n't. They are n't answering my calls when I call them. I have sent XXXX emails, I have called approximately XXXX times and spoken to XXXX supervisors and each XXXX state it will be credited on my account within 3 days and nothing has been done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a credit card with CitiBank and moved to a new address a few years ago. Upon moving, I notified them three times to change my address and phone in the system, but they could and still have not gotten it right. They sent my bill to the wrong address then reported a 60 day late to the creditors without even trying to contact me. When I finally realized I owed them money, I paid the balance off in full since it was such a small amount and the guy told me they would take the late off. Three years later it is still on my credit reports despite my numerous calls, letters, emails, and attorney letters. I am now taking legal action and which is just more wasted time on my end and more money dealing with these guys.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
This complaint is in reference to previous complaint : [ Case number : XXXX ]. 
Citibank has address my dispute in a capricious manner. After submitting a dispute for XXXX charges fraudulently submitted on my credit card, Citibank has only XXXX of my disputes. Although was told that I would be notified my mail I was notified only by web notification and given only 10 days for my reply. XXXX of their documents had no option for describing the circumstances of my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a Loan Modification with my mortgage servicer Citimortgage XX/XX/2016. I have complied with all requests for updated documents and have sent them all in a timely manner. To date XX/XX/2016 Citimortgage has not made a decision on my modification although I qualify under all of the guidelines : my loan is owned by XXXX etc. Citimortgage has also started foreclosure litigation against me even though I am in consideration for the loan modification. I can not afford a lawyer at this time and the HAMP program is set to expire on XX/XX/XXXX. Please help. I do n't know what to do. I have been employed at a new XXXX job for over a year now which pays me enough to be current on a modified loan. 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 explanation