vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Good Day : I am experiencing hardship and my mortgage is upside down. I solicited help through HOPE and was connected to XXXX. Who assisted me with my application with Citimortage for a loan modification. My application was sent XX/XX/2015. We were assigned an agent who we found to be very disrespectful of our time. Both the counselor from XXXX and myself were extremely disappointed and filed a complaint with a CitiMortgage supervisor. After our complaint were reviewed, I was assigned to another agent. 

I find that CitiMortage makes it difficult to speak with agents and deliberately makes the process daunting. Also, agents do not keep their appointments which makes the process very difficult. 
After calculating my expenses etc and going over my present hardship. XXXX agreed that I qualified for the Making Home Affordable Program. And suggested what my mortgage will be reduced too to assist me. 

Due to the fact that my XXXX counselor is on the XXXX XXXX and I am on XXXX. We scheduled specific times to speak with the representatives at CitiMortage, who made the process very difficult. 
When, I finally got my application in. The process became very confusing and I felt that either the process is discriminating, or CitiMortgage designs the process to frustrate its borrowers. 
I received a document form Citimortage on XXXX XXXX. Stating that I will receive information concerning my Making Home Affordable Modification Program, Payment Trial Payment Plan. The letter stated that once I met the terms of XXXX XXXX. My loan XXXX be permanently modified. 
After this letter I continued to received other notices that did not make sense. 

I called my agent at XXXX, she explained that the letter usually proceed with your offer. 
Weeks went by and I continued to receive baffling notices. I took time off for my work to call CitiMortgage and no one can confirm that I had received this letter. But they continued to asked me to send more information. 
When I finally spoke to my representative, XXXX XXXX, she finally stated that I should not have received the letter. 
At this point I was exhausted with the process and so was my agent at XXXX who was assisting me. 
However, after speaking to XXXX XXXX, I continued to received notice upon notice from CitiMorgage stating that I have been assigned to a new representative to assist me .... 
Frankly, I have never been so confused about a process and I question a big company like CitiMortgage motives. Once again I am not sure what to think of CitiMortage 's process. 
Please assist me in keep my home and providing me with an affordable mortgage. I am a good customer. 
Thank you XXXX 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 2015-09-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I opened a Macy 's credit card account back in XXXX 2015. They sent my bill to the wrong address and we never received any information about missed payments till we inquired at Macy 's store. Once it was discovered that my address in their system was incorrect, they corrected the issue and sent me a bill. I immediately sent a check for full payment and the check was credited to citibank on XXXX XXXX. A credit card was never sent to my address. They never updated my payment to my account history and it has been 3 months and they have turned my account to the collection agency. I have had multiple conversations with the credit research department at Macy 's, I have sent them all the documentation over 4 times. I have had multiple phone conversations with customer service but the issue has not been resolved. I still keep getting calls from collection and they have reported my delequint account to the credit bureau. This has been a frustrating experience where the company has failed to provide its customers the service they said they would provide. Even after multiple conversations with multiple parties within Macy 's credit department the issue has not been resolved. I have sent my payment in full. The money has been cashed by them. But they never updated my account and now I am suffering everyday dealing with collection people and my good credit is being destroyed. I want to file a complaint against Macy 's credit card ... get my issue resolved. have them fix my credit report. and Not bother me once and for all. Macy 's Credit company is the worst company to deal with. All of them need to be fired for being incapable and stupid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a charge card with Home Depot/Citibank. I had a outstanding balance of {$2.00} which I made a payment on time, in cash, at a Home Depot store. I Saved receipt. 
Citibank claimed they never received it. After calling three times to clear up. They continued charging my account interest payment for 2 months which they reported to credit agency as a failure to pay. My credit score went from XXXX to XXXX. 
I finally went to store and addressed the payment I made of {$2.00} on XXXX/XXXX/16. They discovered the cashier applied my payment to wrong account. Called back Citibank with Home Depot manager on the phone and she explained the error and we both were told they would take care of the mistake. They would apply the payment I made, reverse the interest charges and contact credit reporting agencies of there mistake. As of today they have not repaired my credit, reversed charges. I have personally talked to 2 Citibank supervisors, 2 regular agents that tolded me they would take care of this. No action. 
Please file a complaint and attempt to repair this situation of credit fraud. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA 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 monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XXXX/XXXX/15 I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$400.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at XX/XX/XXXX, Citi has decided not to honor the promotion. Citi has decided that I wo n't receive the points unless I find a postcard from 6 months ago. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$90.00} of fees and I will not be getting {$400.00} worth of Thank You points. This is NOT right. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done.

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 2016-09-04 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macy charge me a sneaky XXXX $ minimun interest, even though i have n't use that card for months.

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 2015-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I, XXXX XXXX, was the owner of, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. I purchased the Property by obtaining a secured Deed of Trust from CITIMORTGAGE, INC. Loan No. XXXX. The Deed of Trust was secured by the bank, and provided for a foreclosure sale of the Property to satisfy the unpaid balance due on the Deed of Trust since I was alleged to be in breach of the agreement. I made monthly mortgage payments for the Property pursuant to the Deed of Trust for approximately five years, though eventually a balance accrued and the bank informed me of its intention to foreclose on the Property. On or about XXXX XXXX, 2015, the principal balance on that Deed of Trust was approximately {$100000.00}. The bank did foreclose on the Property, and the Property was sold on XXXX XXXX, 2015, for {$150000.00}. My understanding is that the bank received that full sales price from the purchaser of the Property. The sales price exceeded the balance on the Deed of Trust by approximately {$49000.00}. The bank has given none of the {$49000.00} excess proceeds from the sale of the Property to me, despite my requests for that amount. Rather, the bank informed me that they would provide that money to XXXX XXXX, a corporation that did not and does not have any lien on the Property. 
I was not notified that the bank was going to foreclose on the house until after the fact. The so called notice was sent to an address that is not mine upon inquiry. I also found out that the so called notice was sent only one week prior to the sale of the property. One would have expected adequate time and notice sent to the correct address before the foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I had XXXX fraudulent transactions occur on my Citi credit card totaling to almost {$900.00} so I called and informed them. The transactions occurred on XX/XX/XXXX and the XXXX, I called and reported them on XXXX. XXXX of the fraudulent transactions were handled by the XXXX however I still have the XXXX most expensive still on my account today, XX/XX/XXXX XXXX. I have called four times all together now, each time I was told that things were still being handled until today. Today when I called, I was told the XXXX transactions that were still on my account have actually never been reported although I have called in three other times and told them the exact name of the transactions and the exact amount and reported they were not my charges. I also spoke to an online representative about the situation. My complaint is why was it not handled until today and why was it never noted as reported even though I have called multiple times. Now since the charges have been on my account for some time I believe it has affected my credit score, not much but to my understanding it should not have affected it at all. I was told today that the credits should be posted to my account within the next five to seven days and the person I spoke with today reported them while I was online but the transactions should have already been reported based on my calls.

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 2016-10-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
To Whom It May Concern : I had contacted a local Citibank about refinancing a mortgage that I hold on a home in XXXX XXXX to take cash out of the equity for use in purchasing another home. I held a meeting with a loan officer at Citibank, XXXX XXXX XXXX XXXX ( NMLS # XXXX ), to discuss their refinance services and asked if they could give me what I would need to purchase a second home : {$150000.00} cash-out from my existing property that is nearly paid off. I provided them with an estimate of the home 's value as well as my income from the last two years, based on my tax returns, as well as the debt that I owe on my cars. The loan officer was optimistic about obtaining the equity, and informed me that I would have to pay for appraisal and application fees upfront, which came out to the disputed amount of {$520.00}. 

I left the office and received the attached document titled, " First Loan Estimate, '' which listed the amount that I was seeking and an interest rate that XXXX and I previously discussed. However, a few weeks later, I received the Second Loan Estimate, which specified that the loan would drop from {$150000.00} to {$85000.00} while the interest rate would increase from 3.75 % to 4.375 %. I wrote the loan officer an email where I explained that this is not acceptable and if it can not be corrected back to what we discussed, I would like to withdraw the application and to refund me the application and appraisal fees. 
The loan officer called me a few days later and explained that he could possibly raise the amount of the loan again but to give him a few days to see what he could do. I agreed, and then received the document titled Third Loan Estimate, which was for {$110000.00} at 4.375 %. 

I explained that this is not acceptable and that I can not purchase a second home with such a small amount, especially considering the fees associated with the loan. The loan officer agreed to withdraw the application but when I asked him to also refund me my upfront fees he replied, " Hi XXXX, we wo n't be able to refund the fees. As we had discussed they are not refundable. '' He never stated that the fees were non-refundable prior to paying them ( see the attachment titled Emails ), nor did he ever warn me that the loan amount could drastically change like it did. I would like to ask that the fees I paid be refunded.

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 2016-07-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kross, Lieberman & Stone, Inc.
State: TX

Complaint narrative:
I sent Kross Lieberman & Stone on XXXX XXXX, 2016 to request validation under the Texas Financial Code. On XXXX XXXX, 2016 i received improper validation from the Kross Lieberman & Stone. On XXXX XXXX, 2016 I sent Kross Lieberman & Stone another letter informing them that they did not properly verify the debit under the Texas Financial Code and that they either need to verify or delete the debit. Kross Lieberman & Stone received that letter on XXXX XXXX, 2016 and i did n't get a response back from them. I sent them one final letter on XXXX XXXX, 2016 letting them that they never responded to my request and that since they are refusing to acknowledge the debit validation or send me what i am requesting under the Texas Financial Code and i ask that they delete the tradeline since they are properly giving me the validation i request in my first correspondence. Once they received that letter on XXXX XXXX, 2016 and I never recvied anything thing else from them and they are still showing on 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 2016-05-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
To Whom It May Concern, I recently signed up for a bank account with Citibank due to a promotion they were offering of XXXX XXXX XXXX miles upon successful completion of certain requirements. The promotion was confirmed to be attached to my account with an online chat representative and I completed the requirements. However, Citibank is now stating I am ineligible for the promotion and will not credit me the miles even after charging monthly maintenance fees on my bank account. Since there is not even a Citibank branch near my house or work, the bonus outweighed the lack of convenience and got me to deposit my funds with their bank. I believe it would be deceptive and bad practice to not honor this promotion since it was a strong factor in even choosing their bank.

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 2016-06-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Home Depot financed repair & restoration of my kitchen severely damaged by water leak + upgrade in kitchen cabinets at the same time. Approximately {$14000.00} at no interest. Monthly payments all on time, but recently received a bombshell cumulative interest added of {$6000.00} +, when the principal was about {$3000.00}. Now the balance is {$9000.00} +. I outraged by this scam, and want to take legal again against 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 2015-08-14 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I presently have a credit card with Best Buy ( Citibank is now the lender for this card ). I am presently late with my payment due to a change of salary from my primary employment ( which is struggling ). The issue I encountered with the bank is this morning they contacted my parents home asking to speak to me regarding my credit card. My mom who just was released from the hospital after a month took the call. First of all I do not live at my parents home. My application DOES NOT have my parents number listed as a contact. I do know how they obtained this number. I have been a customer of Citibank for approximately 18 years - holding several checking accounts with them. This branch went into my personal banking files where I know I listed my parents as a reference. I understand a credit division has the right to contact me in this instance, but I DO NOT feel they have the right to " fish '' into my personal banking information and obtain a family members number. Is n't this against the Fair Debt Collection Practices Act? I would appreciate any investigation into this matter. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX XXXX, XXXX, Citibank, N.A., engaged in unfair and deceptive acts in administering and closing a credit card account that I had used responsibly for over 25 years ( since XXXX XXXX, and which Citibank, N.A., had previously indicated in writing would be open without an annual fee for life, my life or Citibank 's. That representation turned out to be false. 

Moreover, only four months earlier, Citibank, N.A., issued me a new Visa platinum card purportedly the period of XXXX XXXX through XXXX XXXX. That representation turned out to be false. 

The " notice of account closure '' dated XXXX XXXX, XXXX, indicated in bold letters " We 're sorry we were n't the right fit ''. 
This followed other written representations from Citibank, N.A., regarding my account : " Thank you for being a loyal card member since XXXX! We appreciate your business and are continually looking for ways to make your relationship with us as rewarding as possible. '' and " Thank you for being a valuable AT & T Universal platinum Card member. '' and " No annual fee for life. '' I filed a written complaint with Citibank, N.A., CEO XXXX XXXX on XXXX XXXX, XXXX, including essentially what is in this complaint to CFPB. I received no written reply from any Citibank entity, and only a telephone call from someone who told me that my letter to XXXX XXXX was forwarded to him, and I could apply for a new account. It is unprofessional and inappropriate for Citibank, N.A., not to have responded in writing, and not in any way to have addressed my claim of unfair and deceptive acts in administering and closing my account. 

The purported reason for closing the account was inactivity. However, I pointed out to XXXX XXXX something that should be abundantly clear to a card executive : that the nature of revolving credit involves periods of inactivity and zero balance. Citibank , N.A . 's written communications with me have been dishonest, and Citibank, N.A., has been dishonest and unfair in closing my account of 25 years, a period of time during which I rejected many other card companies ' offers of credit because I had this particular Citibank, N.A., account. 

Whereas Citibank, N.A., stated that I was a valued customer for life, it turns out that I was really unwanted, expendable, and not even worth a written response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation