vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-31 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I received a late fee and interest charge on my XXXX 2015 statement and then subsequent interest on my XXXX and XXXX statement. I sent in a message about the XXXX fees just after the statement was cut and the request for a refund was denied. I then called on XXXX and described that I was having trouble with my account because I stopped receiving statements and the rep looked into the problem and stated that I was supposed to be getting emailed statement notifications but that a rejection email was sent back from my email address in XXXX. Due to this inconvenience and the length of my account he stated he would waive the fee and interest. If that would have been waived I would not have received interest in the XXXX subsequent months. 

I have spent many hours on this issue between phone calls, messages, and an hour and 1/2 chat session tonight with another rep.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FirstKey Holdings, LLC
State: OR

Complaint narrative:
We made extra payments on our mortgage loan to First Key, based in New Jersey ( we pre-paid for 6 months, plus paid extra principle ). We followed their instructions to make sure they were applied to future payments. Despite repeated calls ( and we have the names of people we spoke to ), and emails following their instructions over the last 6 months, we have not received a single correct and updated statement and now have received a " Delinquent Notice ''. We have proof of payments. Now they are applying " late charges '' and threatening us with a home inspection that we would have to pay for. We are being harassed at this point.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I open an account with Citibank stating on there web site that I would receive {$400.00} bonus after 90 days if certain things where done. See attached message from there customer service which says I do not have that bonus on my account. This is 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 2016-04-08 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I used my Macy 's card XX/XX/XXXX. I never received any electronic or paper statements to let me know I had a bill. The first time I was notified of any amount due was XX/XX/XXXX. When i realized I immediately paid the bill and called them, they did waive one of the late fees also. I did not realize what an effect this would have on called and I called them to complain and they did waive one of the late fees, I also asked them to remove the negative report on my credit but they refused to do so. I feel this is very unfair, they agreed that they had n't notified me of any payments due, because when I opted our of e pay back XX/XX/XXXX I had not told them how I wanted to be notified of a bill. I told them that they should n't not send anything and why did I need to opt in to receive a bill. Please help me resolve 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 monetary relief
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: ND

Complaint narrative:
We have not received a statement from Citi Mortgage who is our lender, since XXXX 2016. In XXXX we had to pay {$26000.00} to Citi Mortgage in reference to a repayment plan due to being denied for a modification. We have no idea what our new balance is. If we have even received credit for that payment. We have also made payments in XXXX and XXXX that we have no record of proof it has been applied to our loan. On XXXX XXXX 2016 we received an email regarding a returned billing statement. The email states that the correspondence recently mailed was returned. I called the number on the email, spoke to XXXX XXXX. He verified the address he has and it is the correct address. 
We have received other correspondence in the last couple months from Citi Mortgage so why would we not receive our statements. Our address has been the same for the last 30 years. 
Citi Mortgage has violated the periodic statement rule. They have violated our right to ensure that we receive prompt, regular, and accurate information about our mortgage loan. 
This error made by Citi Mortgage puts us at risk since we are in a foreclosure status until our repayment plan is complete. In the past we have dealt with an enormous amount of errors made by Citi Mortgage with the modification process and this is another one to add to the list. 
Why an email now and not 4 months back since XXXX is the last time we have received a statement?

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 2016-08-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened a new checking account with CitiBank. I opened it online using their website and a promotion code that the system accepted ( and which I verified via phone after the account was created and was told that they saw the promotion on the account and once I completed the requirements would receive the miles ) which promised me XXXX XXXX XXXX upon completing the requirements. 

I subsequently completed all of the requirements within the prescribed timeframe - direct deposit, visa debit card purchases, and having a Citi XXXX XXXX XXXX card. I was told by a customer care rep that I had completed all of the requirements as well. 

Now Citi is trying to say that I was n't " approved '' for the promotion and they are trying to back out of giving the me miles I was promised. 

I tried hard to resolve this with them, but to no avail, and as such I feel this is my last resort. 

I am not the type of person to file complaints, and this is my first time here. Unfortunately I feel like I have no other choice now. My husband actually opened the same type of account under the exact same conditions ( with the same promotion code ) and was also originally denied by citibank for the same reason - but they eventually understood that they owed him the miles as he completed their promotion ( just as I did ) and they deposited the miles into his AA frequent flyer account. 

I am asking for your help as I feel that I was duped into a bait-and-switch and they are just trying to get customers by making false promises hoping that we will not advocate for ourselves. 

I have noticed through some online research that Citi is becoming quite proficient at this type of bait-and-switch routine as there are many others in the exact same boat as me. I feel they need to be held accountable for their actions. 

Quite simply, if they do n't want to honor promotions, they simply should n't allow those promotions to be entered into their website. They accepted the promotion code I entered, explained what needed to be accomplished to receive the miles, I accomplished those tasks and fulfilled their requirements - and now they should do what they promised they would. 

Thank you for your time, and please do n't hesitate to contact me about 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 explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: NETWORK CAPITAL FUNDING CORP
State: CA

Complaint narrative:
Hello, Back in XXXX of 2016 I attempted a Mortgage Refianance .The company I delt with locked in a low rate and documented this. There were a few issues the company was awhere of scince day XXXX. The rate was changed twice, the last change was a few hours before signing stateing issues they knew about from day XXXX, rate went from XXXX to XXXX +. Is this leagle when they locked the rate in? And had me sign loan disclosure docks? I of course did not sign after this, but the time waisted costed me a decent interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I have been divorce for many years, took the steps after my divorce to get my life back together as it has been over 7 years, I had my credit pulled a couple months back and a debt from a company named One Main Financial was listed, this is my ex husbands debt. Several request via the phone and in writing have been sent to this company to validate this as I do not recall ever obtaining only my ex and this company has never once responded back providing me a signed initial contract with my signature. I have disputed this account also with the XXXX major credit agencies which they have all stated they verified which how are these companies able to verify when I can not. I am lost for words as I can not move on with my life with this old debt which I do not believe I am responsible for is listed that I owe. Does n't a company have to have proof/validation of a signed initial contract and prove that it is within the statue of limitations? I do not know where to go from here I am asking your agency to help me as your company helps consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a second mortgage loan with CitiFinancial. 
For about $ XXXX. I pay on time since 2009, but the majority of the payment goes to interest and still have a balance of $ XXXX. I have called and tried to obtain reasonable terms but with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I had a Macy 's American express card ending XXXX. In XXXX, XXXX, I made a purchase of a XXXX dollar. I have not received statement via email or mail of this charge so I soon forgot about it. Until today XXXX/XXXX/XXXX, I was surprised by a letter sent by Macy 's which indicating a balance. I was astonished to learn that because the balance has not been paid, a late fee was levied on every month besides interests charges, amounts to XXXX today. I immediately contact the customer service and indicating that I have not received statements. The representatives mentioned that they have been trying to contact me via the phone but they could not produce the email or other records of statement being sent to me. In brief 6 months time, a mere XXXX dollar balance multiplied 10 times to what is standing today XXXX dollars. 
If ones character must be taken into account in this matter, I have a stable job and excellent credit history that I am willing to produce ample proof. I am willing to paid for reasonable charge and interests accumulated due to my oversight but I can not understand how anyone could be punished by the levels of charges by Macy 's American express. I could not help thinking this practice is predatory in nature, and should be penalized and stopped before next victims.

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 2017-01-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citibank has committed fraud against me. 

Having admitted as much, they have refused to remedy the situation. 

Citibank has been deceptive in it 's dealings with me, consistently extremely poor business practices. 

I opened an account with Citibank, through one of their promotions, which promised to pay me {$400.00} bonus, once I completed all requirements. 

I completed all requirements on time, but Citibank has thus far refused to paid me my {$400.00} bonus. 

As phone records, and case notes with both clearly show, many times I have been assured that my {$400.00} bonus would be deposited into my account, yet it consistently has not been deposited. Many times I have been assured I would receive a call back from Citibank management, who would resolve this for me - however, NOT ONE phone call has come, nor has Citibank EVER followed up on ANY of it 's claims to remedy the situation. 

I believe I am the victim of fraud, at the hands of Citibank. 

The pattern of behavior by Citibank customer service, as well as the erroneous charges posted to my account demonstrates, I believe, a willingness to commit what amounts to fraud. 

Two charges were posted to my account fraudulently, by Citibank themselves, but each were removed with separate lengthy calls to customer service, wherein they admitted their " mistake '' each time in posting fraudulent charges to my account, and were thus obligated to reimburse my account their fraudulent charges. 

However, the requirement for me to receive my {$400.00} bonus was that I maintain a continuous {$15000.00} balance for a set period of time. Citibank used it 's fraudulent debits to my account to disrupt my continued balance during that required time, in what I believe was an attempt to avoid paying me the bonus for which I earned. 

Citibank has admitted I should have received my bonus by now - I have not. 
Citibank has assured me that I would receive the bonus by now - I have not. 
Citibank has assured me, on several different occasions, that I would receive a call from Citibank management - I have not received any calls. 

I insist that the {$400.00} bonus be immediately deposited into my Citibank account. 

If the {$400.00} bonus is not immediately deposited into my account, Citibank will furnish copies of all records and communications between myself an Citibank, including audio copies of all phone calls, to be made available to me to take further legal action. 

A thorough and comprehensive reading of my account history, by any independent third party or mediator - will clearly demonstrate a pattern of deception on the part of Citibank, I believe, in the attempt to avoid paying me the {$400.00} bonus I am entitled to.

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 2015-12-02 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The credit card company Citi Cards/Citibank will not acknowledge a debt included in a Chapter XXXX bankruptcy filing. CitiCards continues to to ignore certified letters, hire debt collection agencies and report incorrect information to credit reporting agencies. CitiCards is using a wrong account number in an effort to ignore the bankruptcy filing, continues to add interest and penalties to the debt, posted it as a Charge Off and past due of 150 days on credit reporting. Our family filed for a Chapter XXXX bankruptcy in an effort to pay our debts. We have never missed a payment and have been following the designation or repayment set out by the US Court system. However CitCards has been reporting to credit agency as if we are late by five months and have refused to pay. As mentioned, I have sent via certified letters and court documents to CitiCards in response to their unfair credit reporting and have received no response. I have sent the same information to credit report agencies and they have all declared that CitiCards information is correct. We are strapped financially and can not afford to hire an attorney. It seems that all CitiCards has to do is ignore us, there is no governing body to enforce a bankruptcy filing with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My credit cards were stolen out of my wallet on XXXX XXXX, 2016. I called all of the credit card companies the same day to report the theft. And I called the policy and filed a report. Unfortunately, my cards had already been used to make fraudulent purchases by the time I reported them stolen and I made that clear to the credit card companies as well. All of the other credit card companies have removed the fraudulent balances and any additional charges because of the fraudulent charges except for Macy 's. Macy 's removed the fraudulent charge, but not the interest and penalties accrued as a result of the fraudulent charge and they continue to charge interest and penalties on the account. I have called Macy 's fraud department numerous times as well as sent them a copy of the policy report and yet they continue to call me every day to try to collect the debt as well as continue to add late fees and interest charges to the late fees and interest charges that were not removed from the 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 2016-06-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
c/card charge off date XXXX/XXXX/2004 this is beyond Oregon State Statute of Limitations to collect the debt was mine, but now beyond collection effort limitations

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 2016-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My wife and I are to over whelmed with the excuses Citi mortgage has gave us, in order to not assist our loan.We have applied for a government modification many times and Citi mortgage has done everything in there power to pro-long my loan further more behind. In 2012 I received a notice from Citi mortgage stating I was eligible for the Clarity Commitment modification or the National Mortgage Settlement modification based on the national settlement from the lawsuit filed against Citi mortgage. However I never received an approval or denial. We are extremely concern because no one ever returns our calls to give any update. We are willing to negotiate with my investor XXXX and with Citi Mortgage to come with an agreement and therefore we can keep our house.

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 2016-04-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX national Services keep bothering about a Bankruptcy. They have to know that U.S.Bankruptcy Court XXXX District of New York closed this case # XXXX.By law I do n't owe any money. 
Now I 'm trying to rebuild my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Last XXXX, I used my ( rarely used ) Macy 's CC to make a purchase for {$270.00}. I never received a XXXX statement ( did not realize they no longer mail them out ), which led to account being overdue in XXXX. In a phone call we ( my boyfriend and I ) had with a Macy 's credit services supervisor on XXXX XXXX, XXXX, after discussing the circumstance of my case, we agreed I would pay {$280.00} ( the {$270.00} plus {$5.00} in interest ) and Macy 's would reverse the {$25.00} late fee they had charged my account. I further requested my account be closed. 
In fact, Macys did not close my account and only reversed {$12.00} of the late fee, leaving a balance of {$13.00}, then proceeded to charge my account monthly with more fees and interest which unknown to me grew to {$66.00} by XXXX/XXXX/XXXX when they called me seeking payment. After we spent an hour on the phone on XXXX with another supervisor at Macy 's Credit Scvs, explaining the situation, they agreed to reverse all of the {$66.00} in fees and interest. I again requested they close my account. 
In fact, on XXXX Macy 's only reversed {$30.00} of the {$66.00} balance, again did not close my account, then proceeded again to charge my account monthly with more fees and interest which grew to {$140.00} by early XXXX, XXXX when they again called me seeking payment. 
We spent more than another hour on the phone on XXXX XXXX, XXXX with yet another supervisor at Macys Credit Svcs. At the end of this conversation we agreed that I would pay Macys {$15.00} ( the original {$13.00} of late fee from XXXX plus {$2.00} in interest ) and Macys would reverse the remaining fees and interest and finally close my account. 
In fact, on XXXX Macy 's credited my account with just a {$15.00} payment, reversed nothing, leaving a remaining balance of {$120.00}. While they now show my account closed, they have since contacted me several times seeking payment of the remaining balance. 
I wish to formally file a complaint about their pattern of unethical behavior, of promising XXXX thing and doing a another on repeated occasions over the past 7 months. I want them to reverse all remaining fees and interest and stop their harassing phone calls. I am seeking your assistance n reaching a final resolution to this never ending cycle of them charging fees and interest on other fees and interest long after my bill was actually paid off in the amount they agreed to.

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