vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XX/XX/XXXX I hired XXXX online company to help with marketing of my consulting business. This company`s CEO promised that they will create webinar to generate customers and they will also create affiliate system that I can find partners for marketing. This company created webinar but not for one month as I expected. It took 5 months to do that and only under the pressure from me to finish the job. They charged me every month for {$750.00} and in total I paid {$3700.00} but they did not delivered Affiliate marketing system. 
I contacted Citi Card Company and opened dispute with this provider. The card responded with conditional credit and started long investigation. I sent packages with proof of my claim 3 times and I called to company at least 10 times! Every time when I called I talked to a new person who would tell me totally wrong things. One of them said that my dispute was resolved to my benefits and others did not know anything why it was resolved to provider benefits. 
They finally decided the dispute to provider`s benefit and reversed my conditional credits. They reversed all of them but they did not t even inform me about the outcome of this case. I spent 1 year trying to get money back as it is damaged my small business. I think that Citi card should work faster and better to protect our money from fraudulent providers. 
I found out that on XX/XX/XXXX I was charged by XXXX for {$750.00} dollars again. When I called to Citi card they told me that it is them returned their money for conditional credit. As far as I know all conditional credits were reversed before that. And XX/XX/XXXX Citi charged me again for {$750.00}. It is almost 1,5 years after the beginning of dispute and 1 year after the end of it! 
Please, help me to protect my account from continued charges from Citi card. And teach them how to do dispute job as this process is exhausting and frustrating. I told about that many times but no results.

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 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Our mortgage company continues to harass and threaten us despite the fact that we are current with our mortgage and hazard insurance payments. We have sent them several letters with proof of payment yet they continue to send monthly harassment letters. My Husband and I suffer from XXXX health problems and the stress from Citi Financial is becoming unbearable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I closed the account with citibank # XXXX exp XXXX/XXXX/XXXX name XXXX XXXX. XXXX and spoke to supervisor XXXX on XXXX/XXXX/XXXX at XXXX. central time. At that time XXXX told me that my recently paid fee of {$95.00} plus fees of {$26.00} would be credited back to my checking account since the account was closing. I verified that this would be the location of the refund since I can not use a " credit '' on a closed credit card account. To date ( XXXX/XXXX/XXXX ) I have received nothing and calls to them end in no one knowing anything. I want this money back in the checking account it was paid from.

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 2016-07-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I opened a Citigold account last year. I still have not got any promotional offer from them. I have sent them a message after I opened this account. It takes forever. 


Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Hello, good afternoon, and welcome to Citibank Online messaging, my name is XXXX. Thank you for your message regarding your promotion requirements. I will be happy to confirm this for you. 
In review of your account, I can confirm our requirements for XXXX are satisfied for this promotion, as you had mentioned. 
Summary of Required Behaviors : XXXX AA Miles Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/XXXX. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card, which must be posted to the new checking account. 
One qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 
Now that you have met the requirements and the account review is completed as eligible, Citibank will credit the AAdvantage bonus miles to your AAdvantage account, within 90 days from the end of the statement period in which the completed offer requirements. The last requirement met is dated XXXX/XXXX/XXXX and our 90 day requirement will begin from the XX/XX/XXXX statement. You should receive your reward incentives no later than your XX/XX/XXXX statement. 
Here at Citi, we take pride in finding solutions for your financial needs, and I am pleased to have provided your requirements confirmation and timeframe of expected incentives. 
I invite you to share your opinions about the service you received. Please click the link below to take a short survey on your contact experience. You will need the reference number listed above to complete your feedback. 
Send Your Opinions Thank you for choosing Citigold. Have a great rest of the week, XXXX XXXX. 
Citigold Services at XXXX. Internationally, you can call us collect at XXXX. TDD/TTY Service is available at ( XXXX ) XXXX. We are available to assist you 24 hours a day, 7 days a week. We appreciate your business and the opportunity to serve you. 
Sincerely, XXXX XXXX Citigold Customer Service Citigold is a service of Citibank NA, which provides banking services CIN : 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 2016-10-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
On XXXX, 2016 I contacted Citimortgage and asked for a payoff on my mortgage # XXXX. I was told the payoff good thru Friday XXXX XXXX, 2016 would be XXXX. On Tuesday XXXX XXXX, I tried to pay off the mortgage via on line banking, but my bank wo n't allow more than XXXX dollars to be paid on line. So on Wednesday XXXX XXXX, 2016 I went to the bank to get a Cashiers Check to pay off the loan. The Agent at the bank suggested that instead of sending a Cashiers Check that I would be better off just sending a personal check for the payoff amount. I sent my check # XXXX to the address on my payment coupon from Citimortgage. Their address is XXXX. XXXX XXXX, XXXX, Az. XXXX. That payoff should have been in their hands by Friday XXXX XXXX 2016. As of today, XX/XX/2016 my check has not been cashed. I spoke to someone in Customer Service with Citimortgage at XXXX around XXXX and they told me they had not received my payoff. I asked them to call their XXXX office but they refused, telling me they had no way to contact that office! While this drags on I am being charged daily interest on the mortgage.

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 2016-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Sign up for a Citigold account for sign up bonus of XXXX XXXX XXXX XXXX miles if XXXX ( XXXX ) bill payments were completed. The account was opened XXXX/XXXX/15. Used bill payment on XXXX several times and in XXXX Several times. It was confirmed by a representative that all requirements for the promotions were met. They asked for the frequent flyer number so the miles could be awarded. I never received the miles. the account was closed as well ...

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 2016-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
XX/XX/XXXX or XX/XX/2016 I entered into a Repayment Plan with CitiMortgage. The Repayment Plan stayed the foreclosure proceedings in the XXXX County Superior Court. Paragraph XXXX of the Repayment Agreement states that the payments are due on or before the due dates. ( the XXXX of the month ) Payments were to begin on XXXX/XXXX/2016 for XXXX. I did not make the payment on XXXX/XXXX/2016 and did not make payment on XXXX/XXXX/2016. Sometime XX/XX/2016 I called my then homeowner support specialist for CitiMortgage, someone by the name of XXXX XXXX XXXX, to see if the Repayment Agreement was still active or had been cancelled. I added that I had the money to catch up the payments for XX/XX/XXXX and XXXX 2016 of the Repayment Plan. XXXX XXXX said she needed to check " into somethings '' and would get back with me. A few days later, she called and stated the agreement had not been cancelled yet, but that I would have to pay XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to keep the Repayment Plan. On XXXX XXXX, 2016 I sent to CitiMortgage {$2500.00}. I did not make the XXXX, 2016 by the first of the month. On or about XXXX XXXX, 2016 I received an email from CitiMortgage stating my new Homeowner Support Specialist would be someone named XXXX XXXX. On XXXX XXXX, 2016 CitiMortgage sent me an unsigned letter stating that my Repayment Plan would be cancelled. I then called XXXX XXXX and was essentially told that XXXX XXXX made a mistake in taking the payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and that she did n't go through the appropriate underwriters.

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 2016-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I opened a CitiGold checking account on XXXX XXXX, 2016 after receiving an offer awarding XXXX XXXX XXXX miles upon the opening of the account, and completing several activites ( debit card purchases of {$1000.00} and 1 or more bill payments for two consecutive months, all within the first 60 days of opening the account ), with promotion code XXXX. I successfully opening the account, completing both activities on XXXX XXXX. I verified the terms of the promotion code with an online representative, and said that the miles would be awarded 90 days following completion of the requirements, or XXXX XXXX. I waited the stated time, and when they did n't post to my XXXX XXXX account I contacted CitiBank. They stated that since I was not 'targeted ' that I would not be eligible for the promotion. Nowhere on the terms and conditions of the promotion does it mention needing to be targeted, only that I needed to receive the promotion, which I obviously did since I used that promotion code. I submitted another request for them to reevaluate their decision about 1 month ago, however have not heard anything since. Therefore, I believe that I am due the XXXX award miles promised with the terms of the promotion.

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 2015-12-09 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Upon Auditing my Thank You Rewards Credit Card with a Supervisor at Citi, we discovered a huge discrepancy that no one can find out why but had an idea and was going to investigate. It turned out that balance transfers are done manually and can human error. ( Balance transfers from cards closed due to security measures ). Initial Audit Dated XXXX XXXX show discrepancy of nearly $ XXXX. NOW, after dissecting this to a minutia year by year for XXXX and XXXX, I find out I am actually OWED money, just over $ XXXX. I have evidence generated by Citibank.com of spend activity that supports this. However, my monthly statements due not reflect the true activities online. I checked all my other Citi Cards, the online activities AND billing statements match dollar per dollar. It is just this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have an existing home loan with CitiMortgage. I have automatic payments made from my credit union on the XXXX day of every month via a bill-paying service. 
I was charged a late fee of {$48.00} in XX/XX/XXXX because my payment was received on XXXX XXXX ( it is due by the XXXX ) My credit union statement shows that the payment was deducted from my account on XXXX XXXX. 
I checked with the bill-paying service, and they sent me a " proof of payment '' document showing that the payment was RECEIVED by CitiMortgage on XXXX XXXX at XXXX XXXX. 
CitiMortgage appears to be charging a late fee on a payment that was NOT late!

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 2015-10-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Citimortgage will not refinance or reduce our 9.5 % interest rate XXXX mortgage because of a " perfect storm '' of issues including ... .the date we purchased our home/took out loan, the fact that we are " upside down '' in our mortgage and the fact that we remain current on our loan. 

I have tried multiple times to get Citimortgage to refinance or reduce our interest rate to a more reasonable and current interest rate. They continually refuse citing the above reasons. 

We make our payments on time, but the payments go almost exclusively to pay the interest and we get no where on paying off the principal. 

I realize we are their " cash cow '' so they have no desire and do n't meet their " criteria '' to assist us, but the interest rate is grossly unfair and so far off the current rates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Hello team, I would need your help removing a credit inquiry done by Citi on my XXXX report without my consent. 

On XXXX XXXX, I had requested for a credit limit increase in Citi website and I clearly remember it DID NOT mention anything about pulling a credit report. As soon as I entered my annual income details with expected credit limit and submitted the initial form, I just got a message that decision will be mailed to me later. 

The next day, on XXXX XXXX, I received an E-letter in my Citi account as : " We ca n't approve your request because you currently have the maximum amount of credit we allow without your consent to obtain and review your updated credit report '' This clearly indicated that it needs my consent further to get the credit limit increase along with a credit report pull. Since I did n't want a hard inquiry, I did n't take any action. But Citi sent me another E-letter on XXXX XXXX as : " We 're unable to approve your request because your credit limit is at the maximum amount our policy allows relative to the total income you provided. " In any of the requests which I submitted, I NEVER gave my consent to have a hard inquiry on my credit report. Even the letters which they sent me just mentions about not able to approve the increase because of the income. However I noticed a HARD INQUIRY on my XXXX report from Citi on XXXX XXXX. 

It is very clear that, I DIDNT GIVE MY CONSENT for this hard inquiry. I brought this to attention of Citi customer service immediately and have been following up with them from XXXX XXXX week, but without any successful outcome. Even after contacting them over call, fax, and over website several times, they are reluctant to agree that inquiry was done by mistake. 

I have requested for credit limit increases in the past ( I just had requested one for the same card in XXXX 2014 ) with a hard inquiry and am aware of how the prompts for hard inquiries will be. 

Further, it does n't make sense that they declined my request ONLY BECAUSE my current limit was already maxed for my annual income, which did n't need the credit report at all. 


I would like to escalate this now. Since it is done in error from Citi, I would expect their credit department to get it removed from my credit report. Please let me know if you need any further details. 

Regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX sued me for a debt I do not owe in XXXX County Texas per case number XXXX. They had no verification to support the lawsuit other than a computer printout with my name and an address I have not lived at in many years, an incomplete account number and many pages of generic documents that did not apply to the case at all. Prior to court, I requested a verification of debt and they sent the same printout. They did not verify anything with the original creditor. They voluntarily dropped the suit on XXXX XXXX, 2015 but it remains on my credit report still. This issue has been on my credit report for years and has caused me to incurr high interest rates on many occasions. The least they could have done is to stop reporting a debt that is not valid to credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have contacted the fraud department on several occasions and have repeatedly stated that these are not my accounts. Up Until XXXX/XXXX/2015 they still have refused to remove these accounts and I am being bothered by harassing call regarding me delinquent account. 
XXXX : Processed Date XX/XX/XXXXDate Reported XX/XX/XXXX-XXXXProcessed Date XX/XX/XXXXAccount Number XXXXCreditor Name XXXX Type Home Electronics Sales and ServiceAmount Delinquent $ XXXXPayment Status Late 60 DaysCreditor Preferred Contact OtherAddress XXXX XXXX XXXX XXXX, SD XXXXComments Statement added because consumer was a victim of true-name fraud : # XXXX # IFCRADelinquent Account : A delinquency has appeared on your credit report. 
Here are the details of this alert. 
XXXX : Delinquent Account : One of your accounts has become delinquent. 
Here are the details of this alert. 
Processed Date XX/XX/XXXXDate Opened XX/XX/XXXXAccount Number XXXXCreditor Name XXXX XXXX XXXX XXXX XXXX , SD XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: AZ

Complaint narrative:
I have a loan with The lending Club in XXXX XXXX, CA. My loan has a grace period until the tenth of each month. I will often call like I did today and make my payment. Today is the XXXX, Friday. They then tell me that my payment, even though I am calling it in on a friday in the morning, wo n't post until Monday the XXXX. And that my payment will be considered " late '' internally. This is fraud. You can not take a person 's payment in good faith, two days before the grace period ends, and then because YOUR company takes a few days to process the payment, mark their account as late. This is illegal. They can take my payment, mark my account as paid, and within the legal grace period and if it takes them two days to process then that 's on them. Not on the consumer. I am making my payments on time. I have each and every month. And my account has been marked late " internally '' several times due to this issue. I would appreciate this being corrected within their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC
State: WA

Complaint narrative:
I WAS ILL AND THEY WERE MADE AWARE BY SS OF WHAT TO CHARGE SO I WOULD N'T BE OUT OF POCKET I DID EVEN NOW I OWED TILL I CHECKED MY CREDIT REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Hi I have a homedepot credit card ( citi bank ) with a XXXX dollar limit. I been building a new house and came got into some financial problems. I been making payments until I could n't afford to make the minimum payment The interest and penalties just kept piling up. I just recently started work ( XXXX 2015 ) I had my wife go down to homedepot to talk to customer service to make payment arrangments. they agreed if we paid the credit card off within 6months we would n't have to pay any interest or penalties, So she made a payment of XXXX dollars. Making that payment should of had a balance of XXXX. but when I look at the statement on internet it had a balance of XXXX. I call customer service they said they have no records of the agreement. please help me and give me advice on what to do, if they can ; t get this resolved I do n't want to have any thing to do with citi bank or homedepot credit cards. anymore

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: NC

Complaint narrative:
Harassment and stalking

Company response to consumer: Closed with explanation