vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is a complaint against the department prevensin fraud credit card Costco, the reason for this is the lack of respect towards me and discrimination, for no reason have blocked my credit card and to check if I am the owner of the card. I have been asked a number of papers that have no problem in supply and in fact send by fax, and have called multiple times to see if it was reviewed your request, and just tell me XXXX we have not received anything yet. that brazenly tell me in my face liar. In view only tease me saying that you have not RECEIVED nothing and that in such case they how many days it takes not to receive and review them, reason that makes me go to this department to provide a complain to expedite this as pc they are a serious department. This is disrespectful because I met the card payments and have paid more in one month and I do not even want to increase the credit limit I have with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have paid on this XXXX mortgage for 8 years and recently decided to pay it off. When I started looking into the payment history which is on line, I discovered that the payments have not been equitably allocated throughout the 8 years I have been paying on the loan. There is no consistency in the allocation of interest, amount toward principal, etc. There are also " fees '' listed with no explanation. I tried contacting the company and they would not give me any answers. I turned over the matter to an attorney and the company has not been responsive to the attorney 's attempts to obtain any information from them. My attorney suggested that I file a complaint with this agency in order to make the company respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX , XXXX repeatedly call me on my cell phone, which is my work phone. When I say Hello, hello, no one is there!!! I repeatedly asked them to Validate this debt, which mentions XXXX and as I see from my credit report is quite old, but they keep sending me a letter saying they are requesting the appropriate documents. The last time they called, I took a photo of the call on my cell number. XXXX removed their entry from my credit report but XXXX is not willing to do so.

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 2017-02-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XX/XX/XXXX : Citibank promised me a {$400.00} bonus for opening a checking account. 
XX/XX/XXXX : Citibank reneged on this promise. 
XX/XX/XXXX : I filed a complaint XXXX with CFPB. 
XX/XX/XXXX : Citibank promised to pay bonus on or around XX/XX/XXXX. 
XX/XX/XXXX : Citibank again reneges on promise. 
XX/XX/XXXX : I filed a complaint XXXX with CFPB XX/XX/XXXX : Citibank promised to pay bonus in 48 HOURS and left contact number XXXX XX/XX/XXXX : After waiting 12 days, still no promised bonus. Voicemail messages to given number go unanswered XX/XX/XXXX : I filed complaint XXXX with CFPB XX/XX/XXXX : Citibank responds they need me to send them XXXX, despite fact they have my SSN and have issued XXXX XXXX XX/XX/XXXX : I mail Citibank IRS Form XXXX as requested XX/XX/XXXX : I logged 7th unanswered voicemail left at number given by Citibank XX/XX/XXXX : I logged 8th unanswered voicemail left at number given by Citibank XX/XX/XXXX : I am filing my 4th complaint on this issue.

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 2015-08-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I believe I am late on a payment with Home Depot - handled through Citi. So, about 35 days delinquent. I was called twice yesterday ( XXXX/XXXX/2015 ) and today ( XXXX/XXXX/2015 ) already 4 times on my mobile ( XXXX XXXX ) Call from ( XXXX ) XXXX XXXXCall from ( XXXX ) XXXX XXXXCall from ( XXXX ) XXXX XXXXCall from ( XXXX ) XXXX XXXXThis is excessive and abusive to call so much in one day. not once was a message left. i did not give them permission to call my mobile number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I have had a Citi Bank Credit card for several years. Never missed a payment and several times I paid it off in full. Never late. 
My card was to be renewed XX/XX/2015 and for some reason it was cancelled. I called Citi Bank and they could not give me a reason for cancelling this card. I talked to XXXX different people and they could not come up with a reason. One customer service rep told me, your were late with your XX/XX/XXXX payment by 3 days. 3 Days? I told her that was no reason and I had made the payment but their not processing it over the weekend seems to have made it late. 
Now, if they knew they were going to cancel this card why did they not tell us? I had paid it off, in full and then used it on vacation. Why did they let me do that, knowing they were going to cancel this account? Why can they not give me a reason and keep transferring me from one rep to another? That was a very dishonest move on their part. I feel they took me to the cleaners knowing this was going to happen and knowing they would be charging all these hidden fee 's. 
So now they are calling me round the clock mainly at work and hounding me over their mistake. Now I am being added late fee 's, over the limit fees and being turned into the credit bureau. 
I just made another payment today online ( XXXX/XXXX/2015 ) and their late fees and interests are way out of control. And this is their fault, they can not even tell me why they cancelled the card. 
I do n't mind to pay my debt but I am not paying unfair fee 's and penalties. 
And this hounding me round the clock after all the years I have been a loyal customer has got to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a check for {$2700.00} for work that I had done online for XXXX XXXX. I deposited the check on Friday XXXX and some of the funds were available immediately. The remaining funds were to be made available today. The remaining money was placed in to my account this afternoon and then removed because a stop payment had been placed on the check. The money was already in my account and the check should not have been available for stop payment. I would like my funds returned to my account immediately. I am really upset with these financial institutions dealing with my money any way that they want to. I need help and protection. This is the XXXX time I have had an issue with a bank this year and have had to escalate it to this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: TX

Complaint narrative:
I was told, that after 1 yr. I was going to be able to lower my interested rate on debt consolidation loan. But, it turns out, that I have to reapply & pay another lending club processing fee. The rate is ridiculously high compare to current rates. I only took this loan in desperation. 
XXXX ),

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
CitiBank closed my Double Cash Credit Card account # XXXX XX/XX/2016 without explanation and refused to respond to my inquires. At the time of account closure, I accumulated {$200.00} in cash back rewards which I can not redeem anymore give my account status. I would like CitiBank to send me a check for the {$200.00} in unredeemed rewards. 

Thanks, XXXX 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 explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
This phone caller continues to call my home phone number repeatedly regarding billing, products and collections. I have never had an account with said company nor have I applied with them yet they call my home phone repeatedly. Please have them comply with your recent Consent Order # XXXX. The number of the caller has been XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am extremely angry and dumbfounded at the way Citi Mortgage has been handling my case! At first, I was advised I needed to provide all necessary documents to get a review for My City modification and Principal Reduction Program. My home is severely underwater and I was advised by my lender that I do qualify these programs. Now I am getting noticed that my account will not get reviewed because of a court that I was already granted my home back! Please review the letter and evidence of my case because it is so unfair that I am not getting reviewed!

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 2016-11-27 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank changed the APR on my card without warning or reason to 22.74 % from 3.5 %. 
I sent a message requesting an explanation and got no response. 
My APR was low because I was an employee, and for several years was not paid full wages. After the class action suit and final payment, I understand I 'm not entitled to this APR, however the rate changed immediately after I complained about a late fee. ( Was unable to pay on time because of the web site ) I feel the APR change was retaliatory and not based on my credit rating. No late or missed payments - I believe the person who got my message abused their privileges. Even if this is untrue, there was no notification or notice sent in any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Upon checking my Credit Report I noticed I had debt from " bby/cbna '' also known as Best buy. I opened my card in 2014 and just finished paying my card off last month and when I called best buy they said they have no charges from now or the past for my Account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On or about XXXX XXXX, 2016 I submitted a detailed complaint to CFPB regarding CitiMortgage 's horrendous treatment of my client, XXXX XXXX. Citi continues that treatment ; each week it sends me a letter telling me it is still reviewing the complaint. This failure to serve customers is an unfair trade practice and lack of good faith. Please follow up with Citi for immediate action on this matter! 
See Complaint # 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 non-monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My XXXX Rewards card issued by Citi Bank was recently acquired/transferred to XXXX Bank. My final payment to Citi Bank was never credited to my account after transfer ( although I have proof that Citi Bank cashed my check ). The customer service line for my Citi Bank XXXX account automatically forwards to XXXX Bank, the new owners of my account ( who can do nothing about my situation -- it is a Citi Bank issue ). Trying to speak with anyone at Citi Bank results in hours of wasted conversation and transfers -- no one can pull up my account in their systems -- it is like my account with them never existed! Citi Bank should have returned my check instead of cashing it OR forward it to XXXX Bank for credit against my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have had a Macy 's credit account for years with no problems, as the attached screenshot of my credit record shows. About a year ago, I made a purchase at one of their stores, one of many purchases I made at the holidays. I did n't receive a bill, but did n't realize it because I 'd done a lot of shopping, and because I deal with a lot of transactions and bills in my position as a business owner. In addition, I depend on receiving bills so that I remember to pay them. Months passed, but I never received a bill, a call or an email from Macy 's, despite all of my contact information being readily available. I had no idea there was any problem. 
In XX/XX/2016, I received a somewhat rude call from Citibank telling me that I owed Macy 's money. I had no idea what they were talking about, and they could not or would not give me any information about why they were calling -- I actually thought it was a phone scam, so unprofessional and unhelpful were they. A week or so later, I was at a Macy 's store and thought I could investigate the problem there. No such luck, and a call to the general credit department number took me to their 3rd party collections company as soon as my account number was entered. Again, these folks could n't or would n't tell me anything about my supposed bill. A week or two later, I was finally able to get someone at Macy 's to tell me what I bought, where and when -- why on earth should obtaining this information have been so difficult?? This person eventually provided me with a mailing address and I sent Macy 's a letter and a check for the entire amount ( less than {$100.00} ). Getting to this point took roughly five calls to Macy 's to get someone who a ) was in this country and understood the situation well enough to do something about it ; and b ) would n't send me to back to Collections, even when I asked ( begged ) her not to send me there again, since they could n't or would n't provide me with any details of the transaction. 
As if this were n't bad enough, when I checked my credit report last week, I saw that this account was reported as delinquent and sent to Collections, which has put a big dent in my credit and caused other companies to charge me more for their services. I feel this is unfair, unwarranted and Macy 's should have to repair the damage : I did NOT receive a bill from Macy 's, and was told that once the account balance owed goes past 30 days, it 's sent to Collections. What??? No email, no call, no late fee and interest added to next month 's bill?? Then nine months later, I get a rude call without any information I can use to figure out what happened?? And now my credit is damaged and other bills are going up because of it?? That 's not okay.

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 2016-02-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a notice from Sears XXXX XXXX XXXX stating that to avoid late charges to send my payment of {$280.00} for a service repair, according to them service order # XXXX XXXX, the invoice was dated XXXX/XXXX/16 and the account # is XXXX. 
I immediately called Sears to inquiry about this bill and to closed my credit card. After closing my credit card account I was told that my balance was {$0.00}, and that they did not send me that bill. 
I believe that this is scam because I called the telephone number on the statement XXXX and I could not get a real person ONLY a telephone message also they are asking me to send my credit card information to settle this bill. 
The address listed on the statement is : XXXX XXXX XXXX, XXXX, Texas XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
citi mortgage perpetrated loan modification fraud on me ... .they added XXXX dollars to my principle for no reason ... ..they said sign this ... i said no ... they said it doesnt matter, we implemented it anyway ... .they then forged my name and sold it to XXXX XXXX ... ..WHY CANT YOU DO SOMETHING ABOUT THIS??????

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 2016-05-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have purchased my home back in XXXX XXXX with IndyMac mortgage. I received an unfair high interest rate that was adjustable .Due to the XXXX recession, I requested a loan modification which was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I want Ocwen a division of XXXX XXXX to pay off the lien on my property with the {$130000.00} I already paid to my duplex. I want IndyMac a division of XXXX XXXX to extinguish {$80000.00} they reported to the IRS and count all of the {$97000.00} paid to the modification. 
I want credit for payments to HOUSE {$720000.00} {$510000.00} = {$200000.00} ESCROW payments {$200000.00} paid to Indymac and {$180000.00} paid to XXXX {$150000.00} paid to fleet {$150000.00} to XXXX XXXX to credit cards ( with {$23000.00} to XXXX of {$38000.00} added to mortgage ) DUPLEX {$350000.00} - {$99000.00} = {$250000.00} escrow payments? 
{$190000.00} paid. XXXX foreclosure ( {$150000.00} to {$33000.00} VA loan XXXX ) -- -- -- -- - ESCROW surplus.? {$39000.00}. 
XXXX - {$88000.00} est 17 years WHERE IS {$120000.00}? 
{$250000.00} - {$17000.00} estimated WHERE IS $ XXXX+XXXX {$370000.00}? 

{$260000.00} + XXXX + {$38000.00} XXXX XXXX fake mortgages? 
{$360000.00} was not paid off. It was ADDED! 
I want to know what is going.on and why these loans were released twice. 
In XX/XX/XXXX and again in XX/XX/XXXX. 

I WANT This FIXED! 
Estimated {$100000.00} disbursed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: PA

Complaint narrative:
I currently have a private student loan with XXXX serviced via AES. I have made several attempts to have my monthly loan payment lowered. I have been given conflicting information from several different agents. First I was told that I had to apply with my cosigner 's financial information which I later found was untrue. Then I was told that negative remarks on my credit would be back dated after I applied for loan modification. I was also told that information was missing from my application which was also untrue. ( XXXX AES supervisor did n't know I was on the phone and expressed how she was happy that I hung up. ) After months of attempting to lower my payments, I finally got my application in. I was denied because XXXX felt that based on my income and expenses, I would not be able to afford the lower monthly payment they were willing to offer me. If I ca n't afford the lower XXXX how do you think I can afford the higher payment? AES sets you up for failure and bad credit and it 's absolutely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
I had been current and on time making payments on my home mortgagefor almost XXXX years. My home was destroyed by fire and my homeownerpolicy paid the mortgage balance in full. However, all XXXX of my creditreports show no record of my ever having a mortgage and has resulted inmy not having a credit score. It is my understanding that positive inform-mation should be reported indefinitely or at least for XXXX years. Withoutthis information on my report I can not rebuild my home or make any typeof loan. I have disputed this matter with Transunion, but their only re-sponse was that the Mortgage Company had a some kind of signedagreement giving them permission to remove the positive credit informationfrom my report. I then requested that I be provided a copy of this agreementbased on the fact such an agreement does not exists. It has been over ayear now, and nothing has been done and I have had to basically start from \scratch rebuilding my credit which has caused a severe hardship on meand my family ;

Company response to consumer: Closed with explanation